EX-99.3 4 exh99-3evolveexceptions.htm EVOLVE EXCEPTIONS DETAIL REPORT

Exhibit 99.3

 

 

Exception Detail
Run Date - 10/XX/2021 1:23:32 PM

 

 

Evolve Loan ID Customer Loan ID Seller Loan ID Loan Exception ID Exception ID Exception Date Exception Type Exception Category Exception Subcategory Exception Exception Detail Exception Information Exception Remediation Compensating Factors Follow-up Comments Cleared Date Cured Date Waived Date Exception Level Grade Exception Level Rating Note Date Property State Occupancy Purpose Overall Initial Loan Grade Overall Final Loan Grade Credit Initial Loan Grade Credit Final Loan Grade Compliance Initial Loan Grade Compliance Final Loan Grade Property Initial Loan Grade Property Final Loan Grade Originator QM ATR Status TPR QM ATR Status Is Curable
1190548 XXXXXXXXXX XXXXXXXXXX 5721698 913 XXXXXXXXXX Compliance Compliance   Compliance - Pending Completion of ComplianceEase/TRID Monitor Report.  Additional conditions may apply.     Auto-Cleared Compliance Testing Complete     03/XX/2021     A 1 XXXXXXXXXX FL I 1 D   A   D   A   C   A   C   A     Exempt 1
1190548 XXXXXXXXXX XXXXXXXXXX 5721701 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event           03/XX/2021     A 1 XXXXXXXXXX FL I 1 D   A   D   A   C   A   C   A     Exempt 1
1190548 XXXXXXXXXX XXXXXXXXXX 5771805 440 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete 1040's   1040 missing from loan file. Information Provided     06/XX/2021     A 1 XXXXXXXXXX FL I 1 D   A   D   A   C   A   C   A     Exempt 1
1190548 XXXXXXXXXX XXXXXXXXXX 5771806 441 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing Business Tax Returns   1084 present in file ; however, 1065 Partnership returns not in file. Information Provided     06/XX/2021     A 1 XXXXXXXXXX FL I 1 D   A   D   A   C   A   C   A     Exempt 1
1190548 XXXXXXXXXX XXXXXXXXXX 5771810 1016 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing Schedule K-1   1084 present in file ; however, 1065 Partnership K-1 not in file documentation provided   Client 09/XX/2021 01:52 PM; Please provide the name of the partnership that is missing the 1065 tax return and K-1.

 Client 09/XX/2021 02:28 PM; If this condition is for xxxxx xxxxxx, documentation has been uploaded to verify the documents to satisfy this condition were already in the file.

 Reviewer 09/XX/2021 04:24 PM; missimg all k1s except xxxxx xxxxxx xxx

 Reviewer 09/XX/2021 04:24 PM; condition amended

 Reviewer 09/XX/2021 04:24 PM; missing all K1s except xxxxx xxxxxx xxx

 Reviewer 09/XX/2021 04:28 PM; condition updated

 Client 09/XX/2021 10:48 AM; 1) xxxxx xxxxxx xxxxxx. is a corporation and corporations don’t have K-1s.  2) xxxxx xxxxxx xxx does not have a K-1 because the business wasn’t formed until 10/XX/19.  Please read all of the comments in red on the documents uploaded on 9/xx as xxx_TDOC_xxxxx xxxxxx xxx_xxx.pdf.  All of these documents and information have been in the file since 6/xxx.

 Reviewer 09/XX/2021 11:40 AM; condition cleared		 09/XX/2021     A 1 XXXXXXXXXX FL I 1 D   A   D   A   C   A   C   A     Exempt 1
1190548 XXXXXXXXXX XXXXXXXXXX 5771811 1018 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Self-Employed verify business   Loan file missing Third party verification of business. Information Provided     06/XX/2021     A 1 XXXXXXXXXX FL I 1 D   A   D   A   C   A   C   A     Exempt 1
1190548 XXXXXXXXXX XXXXXXXXXX 5816893 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   File missing Second collateral evaluation CU Score 4.6 Information Provided   Reviewer 06/XX/2021 11:09 AM; no action from business unit 07/XX/2021     A 1 XXXXXXXXXX FL I 1 D   A   D   A   C   A   C   A     Exempt 1
1190568 XXXXXXXXXX XXXXXXXXXX 5815706 270 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Satisfactory 2nd Appraisal Report   FNMA UCDP score is 2.6 and a xxx desk review is required. Information Provided     06/XX/2021     A 1 XXXXXXXXXX ID I 13 C   A   C   A   A   A   C   A     Temporary QM Safe Harbor 1
1190568 XXXXXXXXXX XXXXXXXXXX 5815739 434 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Shorts Funds for Reserves   Borrower is short reserve requirement of $xxx as indicated on final AUS dated xxx subm #8. Received xxx and xxx xxx xxx acct #xxx with balance of $xxx.     Client 09/XX/2021 11:10 AM; Reserves were not short.  $xxx was required.  Two xxx xxx accounts were submitted to DU.  The balances of those accounts were not updated on the final DU submission.  However, the balance of xxxx on 2/xxx was $xxx which meets the reserves requirement without the updated balance of $xxx in acct xxxx.

 Reviewer 09/XX/2021 11:13 AM; condition has been cleared		 09/XX/2021     A 1 XXXXXXXXXX ID I 13 C   A   C   A   A   A   C   A     Temporary QM Safe Harbor 1
1190625 XXXXXXXXXX XXXXXXXXXX 5773287 270 06/XX/2021 Valuation UW Collateral   UW Collateral - UW - Satisfactory 2nd Appraisal Report   Missing Automated Value Model (AVM). AVM image received     06/XX/2021     B 1 03/XX/2021 IL I 3 C   B   C   A   A   A   C   B   Exempt 1
1190625 XXXXXXXXXX XXXXXXXXXX 5774968 330 06/XX/2021 Credit UW Credit   UW Credit - UW - Credit Other   UW Credit UW - Credit Other COMMENT Missing final status of xxx Lender Activity for Loan No. xxx rexxxxx xxxxxx xxxxxx xxx per Loansafe report of xxx Documentation has been provided.       09/XX/2021     A 1 03/XX/2021 IL I 3 C   B   C   A   A   A   C   B   Exempt 1
1190771 XXXXXXXXXX XXXXXXXXXX 5723396 986 03/XX/2021 Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event           03/XX/2021     A 1 03/XX/2021 CA I 3 C   B   A   A   C   A   C   B   Exempt 1
1190771 XXXXXXXXXX XXXXXXXXXX 5723397 986 03/XX/2021 Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "xxx" or prior signed by the borrower.       04/XX/2021     A 1 03/XX/2021 CA I 3 C   B   A   A   C   A   C   B   Exempt 1
1190771 XXXXXXXXXX XXXXXXXXXX 5749124 270 06/XX/2021 Valuation UW Collateral   UW Collateral - UW - Satisfactory 2nd Appraisal Report     AVM image received     06/XX/2021     B 1 03/XX/2021 CA I 3 C   B   A   A   C   A   C   B   Exempt 1
1190900 XXXXXXXXXX XXXXXXXXXX 5768604 378 XXXXXXXXXX Credit UW Other   UW Other - UW - Initial/Final 1003 incomplete/missing   - Evidence supporting Final 1003 Documentation has been provided.     Client 09/XX/2021 08:05 AM; please clarify what is being asked for, thanks

 Reviewer 09/XX/2021 11:11 AM; missing final signed 1003

 Reviewer 09/XX/2021 11:11 AM; condition amended		 09/XX/2021     A 1 XXXXXXXXXX WA I 13 D   A   D   A   A   A   A   A     Temporary QM Safe Harbor 1
1190923 XXXXXXXXXX XXXXXXXXXX 5753015 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   B   A   C   A   A   A     Exempt 1
1190923 XXXXXXXXXX XXXXXXXXXX 5753016 967 XXXXXXXXXX Credit Compliance   Compliance - CD- Dated incorrectly (Issue Date, Closing Date, Disbursement Date)   Funding/Disbursement date xxx is prior to the Consummation date xxx. PCCD required with corrections. PCCD Provided.     09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   B   A   C   A   A   A     Exempt 1
1190963 XXXXXXXXXX XXXXXXXXXX 5783405 270 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Satisfactory 2nd Appraisal Report   CDA missing from file. SSR reflects No CU Score which requires a CDA Information Provided     06/XX/2021     A 1 XXXXXXXXXX IL I 3 C   A   C   A   A   A   C   A     Exempt 1
1190963 XXXXXXXXXX XXXXXXXXXX 5784408 335 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Calculation Incorrect   AUS is unacceptable for Base income. Base Income is xxxxx xxxxxx xxxxxx xxxxxx, Bwr income fluctuates; therefore, average must be used. There is no documentation in the file to justify using the current hourly rate x 40 hours. documentation provided   Reviewer 09/XX/2021 01:04 PM; Workbook income calculation to be corrected. Per the updated L/P income difference is $xxxxxxxx which the workbook DTI will also need to be corrected.  

 Client 09/XX/2021 12:32 PM; Please clarify. Do we have the correct income calculation? Is there anything needed from the lender at this time?

 Reviewer 09/XX/2021 12:16 PM; condition cleared		 09/XX/2021     A 1 XXXXXXXXXX IL I 3 C   A   C   A   A   A   C   A     Exempt 1
1191109 XXXXXXXXXX XXXXXXXXXX 5725713 201 04/XX/2021 Credit Hazard Insurance   Hazard Insurance - is missing.   Hazard Insurance is missing from file. HOI $xxx within AUS Tolerances     04/XX/2021     A 1 03/XX/2021 IL I 1 D   B   D   A   C   B   A   A     Exempt 1
1191109 XXXXXXXXXX XXXXXXXXXX 5766537 884 06/XX/2021 Compliance Compliance   Compliance - Pending Internal completion of compliance fee tests.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 03/XX/2021 IL I 1 D   B   D   A   C   B   A   A     Exempt 1
1191109 XXXXXXXXXX XXXXXXXXXX 5766538 898 06/XX/2021 Compliance Compliance   Compliance - TRID- Fee Tolerance Violation   Tolerance exceeded by $xxx due to the increase in appraisal, credit report, HOA cert and recording fee, the CD cured $xxx, still need the remaining $xxx along with proof of refund, LOX and PCCD reflecting the cure Information Provided     09/XX/2021     A 1 03/XX/2021 IL I 1 D   B   D   A   C   B   A   A     Exempt 1
1191109 XXXXXXXXXX XXXXXXXXXX 5789217 340 06/XX/2021 Credit UW Other   UW Other - UW - Insurance Missing (MI or Project)   Provide the HOA insurance, required as the appraisal shows property is a Condo.       09/XX/2021     A 1 03/XX/2021 IL I 1 D   B   D   A   C   B   A   A     Exempt 1
1191109 XXXXXXXXXX XXXXXXXXXX 6163283 1062 09/XX/2021 Compliance Compliance   Compliance - CD-Clerical error correction made more than 60 days post consummation     Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2   Reviewer 09/XX/2021 10:28 AM; Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2     09/XX/2021 B 2 03/XX/2021 IL I 1 D   B   D   A   C   B   A   A     Exempt 1
1191627 XXXXXXXXXX XXXXXXXXXX 5817823 431 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing   Missing 2 months of bank statements to verify  $xxxxxx for CTC and reserves as required by AUS Documentation has been provided.     09/XX/2021     A 1 XXXXXXXXXX CA I 3 D   A   D   A   A   A   A   A     Exempt 1
1191650 XXXXXXXXXX XXXXXXXXXX 5729243 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event           04/XX/2021     A 1 XXXXXXXXXX TX I 3 C   A   C   A   C   A   A   A     Exempt 1
1191650 XXXXXXXXXX XXXXXXXXXX 5822648 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Property located xxxxx xxxxxx xxx xxxxx, recently refinanced Supply evidence existing lien with xxxxx xxxxxx has been paid and new mortgage with xxxxx xxxx has Principal & Interest of  $xxx with escrows of $xxx confirming net loss $xxx document provided   Reviewer 07/XX/2021 01:14 PM; Provide mortgage statement from xxxxxx to support the payment as well as escrows included with payment.   09/XX/2021     A 1 XXXXXXXXXX TX I 3 C   A   C   A   C   A   A   A     Exempt 1
1191650 XXXXXXXXXX XXXXXXXXXX 5822663 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Property located xxxxx xxxxxx xxx xxxxx, recently refinanced Supply evidence existing lien with xxxxx xxxxxx xxx has been paid and new mortgage with xxxxx xxxxxx has Principal & Interest of  $xxx with escrows of $xxx for a total amount of $xxx. Document provided shows xxxxx xxxxxxxxx at $xxx and escrows are lower at $xxx.  Total primary is $xxx.   Reviewer 07/XX/2021 01:14 PM; Provide mortgage statement from xxxxxx to support the payment as well as escrows included with payment.  

 Reviewer 09/XX/2021 06:05 PM; Missing new loan information for xxxxx with the P&I of $xxx and escrows of $xxx making the total payen tof $xxx.  		 09/XX/2021     A 1 XXXXXXXXXX TX I 3 C   A   C   A   C   A   A   A     Exempt 1
1191650 XXXXXXXXXX XXXXXXXXXX 5822779 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Property located xxxxx xxxxxx xxx, recently refinanced Supply evidence existing lien with xxxxx xxxxxx has been paid and new mortgage with xxxx  has Principal & Interest of  $xxx with escrows of $xxx confirming net rental income of $xxx Information Provided   Reviewer 07/XX/2021 01:14 PM; Provide mortgage statement from xxxxxx to support the payment as well as escrows included with payment.  

 Reviewer 09/XX/2021 12:50 PM; duplicate first payment letter provided, however, closing disclosure needed to confirm existing lien was paid, and full PITI needed, not just P&I

 Reviewer 09/XX/2021 08:15 AM; Full PITI was provided; however, closing disclosure is still needed to confirm xxxxx xxxxxx  has been paid. 		09/XX/2021     A 1 XXXXXXXXXX TX I 3 C   A   C   A   C   A   A   A     Exempt 1
1191650 XXXXXXXXXX XXXXXXXXXX 5822801 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Property located xxxxx xxxxxx xxx, recently refinanced Supply evidence existing lien with xxxxx xxxxxx has been paid and new mortgage with xxxxx xxxxxx has Principal & Interest of $xxx with escrows of $xxx confirming net loss $xxx Received   Reviewer 07/XX/2021 01:14 PM; Provide mortgage statement from xxxxxx to support the payment as well as escrows included with payment.  

 Reviewer 09/XX/2021 09:08 AM; new mtg with xxxxx xxxxxx does not include escrow, Calculations using 1040s total loss -$xxxx,adding back depr $xxx & mtg interest $xxx less P&I $xxx=higher loss of $-xxx increasing back ratio to 50.34% outside of AUS Tolerances

 Reviewer 09/XX/2021 10:10 AM; supply matching 1003/1008 supporting updated AUS Submission#18

 Client 09/XX/2021 04:03 PM; !008 is not a required form on AUS approved/Accept files, per seller/servicer guide.  Since this AUS was run post fund, is the 1003 reprint still a requirement here?  thank you

 Reviewer 10/XX/2021 06:31 AM; still need CD xxxxx xxxxxx xxx, showing xxxxxxx paid and new PITI $xxx		 10/XX/2021     A 1 XXXXXXXXXX TX I 3 C   A   C   A   C   A   A   A     Exempt 1
1191650 XXXXXXXXXX XXXXXXXXXX 5822834 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Documentation is missing showing the mortgage payment for the Property located xxxxx xxxxxx xxx of $xxx with escrow of $xxx Document provided.     09/XX/2021     A 1 XXXXXXXXXX TX I 3 C   A   C   A   C   A   A   A     Exempt 1
1191710 XXXXXXXXXX XXXXXXXXXX 5832545 870 XXXXXXXXXX Compliance Appraisal   Appraisal - Other:   A second collateral evaluation is required due to no UCDP scores with 1025 Appraisal form. No action required from Business Unit. xxxxx to order. CDA received within tolerance     10/XX/2021     A 1 XXXXXXXXXX NJ I 3 C   A   A   A   C   A   A   A     Exempt 1
1191865 XXXXXXXXXX XXXXXXXXXX 5787116 875 06/XX/2021 Compliance Disclosure   Disclosure - Other:   xxx - Rate-Lock Fee Agreement must be signed by the lender.           08/XX/2021 B 2 04/XX/2021 IL I 3 C   B   A   A   C   B   C   A     Exempt 1
1191865 XXXXXXXXXX XXXXXXXXXX 5824015 902 06/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 04/XX/2021 IL I 3 C   B   A   A   C   B   C   A     Exempt 1
1191865 XXXXXXXXXX XXXXXXXXXX 5833151 1109 06/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Third collateral evaluation is required.   AVM Confidence score 79% Documentation has been provided.       07/XX/2021     A 1 04/XX/2021 IL I 3 C   B   A   A   C   B   C   A     Exempt 1
1191873 XXXXXXXXXX XXXXXXXXXX 5829637 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   A   A   C   A   A   A     Temporary QM Safe Harbor 1
1191899 XXXXXXXXXX XXXXXXXXXX 5842439 1109 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Third collateral evaluation is required.   Added Deficiency - AVM variance is out of tolerance at 41.09%.   An acceptable third valuation is required. received     06/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   A   A   C   A     Exempt 1
1191899 XXXXXXXXXX XXXXXXXXXX 5842455 423 XXXXXXXXXX Credit UW Collateral   UW Collateral - UW - Appraisal Correction/Clarification   Appraisal does not have the correct address. It also shows as an attached property but the property is actually a detached 4unit property.       09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   A   A   C   A     Exempt 1
1191899 XXXXXXXXXX XXXXXXXXXX 5877164 313 XXXXXXXXXX Credit AUS   AUS - UW - AUS Other     received   Client 09/XX/2021 09:41 AM; The revised appraisal was provided to us, with an increase in value due to discrepancy on the first version of the xxx xxx. The most recent version should be what stands. xxxxx xxxxxx has each of the versions uploaded – so they also know that the most recent value is the $xxx.  Please review the uploaded screenshot labeled 'value_issue' which conveys the value discrepancy to clear this finding.  Thank you.  

 Reviewer 09/XX/2021 06:02 PM; documentation received, condition cleared		 09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   A   A   C   A     Exempt 1
1242593 XXXXXXXXXX XXXXXXXXXX 5993735 1108 08/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 04/XX/2021 UT I 13 C   B   A   A   C   B   C   A     Non-QM 1
1242593 XXXXXXXXXX XXXXXXXXXX 5994471 986 08/XX/2021 Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "xxx" or prior signed by the borrower. Information Provided     09/XX/2021     A 1 04/XX/2021 UT I 13 C   B   A   A   C   B   C   A     Non-QM 1
1242593 XXXXXXXXXX XXXXXXXXXX 6014399 884 08/XX/2021 Compliance Compliance   Compliance - Pending Internal completion of compliance fee tests.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 04/XX/2021 UT I 13 C   B   A   A   C   B   C   A     Non-QM 1
1242593 XXXXXXXXXX XXXXXXXXXX 6014400 898 08/XX/2021 Compliance Compliance   Compliance - TRID- Fee Tolerance Violation   Tolerance exceeded by $xxx due to the increase in appraisal, please provide proof of refund, LOX and PCCD reflecting the cure Information Provided     09/XX/2021     A 1 04/XX/2021 UT I 13 C   B   A   A   C   B   C   A     Non-QM 1
1242593 XXXXXXXXXX XXXXXXXXXX 6134435 1062 09/XX/2021 Compliance Compliance   Compliance - CD-Clerical error correction made more than 60 days post consummation       Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2 Reviewer 09/XX/2021 03:56 PM; Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2     09/XX/2021 B 2 04/XX/2021 UT I 13 C   B   A   A   C   B   C   A     Non-QM 1
1242650 XXXXXXXXXX XXXXXXXXXX 5984994 957 XXXXXXXXXX Credit Closing Package   Closing Package - First Payment Letter Missing or Incorrect   First Payment Letter Total Payment does not equal Calculated Total Payment. Please confirm PI and/or monthly escrows       04/XX/2021     A 1 XXXXXXXXXX ID I 1 C   A   B   A   C   A   A   A     Exempt 1
1242650 XXXXXXXXXX XXXXXXXXXX 5993609 968 XXXXXXXXXX Compliance Compliance   Compliance - CD- Fee Charged in Incorrect Section   All Title Fees must be moved form section C to section B in PCCD dated xxx as the borrower choose from the providers list, Please provide correct PCCD for the same. Information Provided     09/XX/2021     A 1 XXXXXXXXXX ID I 1 C   A   B   A   C   A   A   A     Exempt 1
1242650 XXXXXXXXXX XXXXXXXXXX 5993612 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX ID I 1 C   A   B   A   C   A   A   A     Exempt 1
1242679 XXXXXXXXXX XXXXXXXXXX 5985078 265 XXXXXXXXXX Credit UW Collateral   UW Collateral - UW - FNMA 1007 / FNMA 216   Missing comparable rent schedule operating income statement not found in loan File. AUS run with full PITI     05/XX/2021     A 1 XXXXXXXXXX FL I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1242679 XXXXXXXXXX XXXXXXXXXX 5993475 185 XXXXXXXXXX Credit Flood Certificate   Flood Certificate - Flood insurance is required - Flood policy missing   Flood insurance policy is missing Policy was in effect at time of funding   Client 08/XX/2021 03:24 PM; this condition is uploaded

 Reviewer 08/XX/2021 03:41 PM;

 Reviewer 08/XX/2021 08:17 AM; Docs will be reviewed within 24 hour from upload.  Thanks!

 Reviewer 09/XX/2021 01:16 PM; Flood Policy expires 09/XX/2021, please provide updated policy.

 Reviewer 09/XX/2021 06:27 AM; Tdoc Flood Policy provided expires 9/XX/21. Please provide an updated flood insurance policy.

 Client 09/XX/2021 10:01 AM; Loan closing date for this file was 04/XX/2021.   
 
•Flood Policy expires 09/XX/2021, please provide updated policy.
 
Thanks!   


 Reviewer 09/XX/2021 11:38 AM; Hello,
 Is there a question on this one?  ;)
Thanks, 
Erica

 Client 09/XX/2021 12:19 PM; why hasn't this cleared yet

 Reviewer 09/XX/2021 01:43 PM;

 Reviewer 09/XX/2021 01:43 PM;

 Reviewer 09/XX/2021 01:24 PM; The policy expired 09/XX/2021.  We typically ask for a renewal policy now that it's expired.  Can you confirm this is not required?  
Thank you, 
xxxxx		 09/XX/2021     A 1 XXXXXXXXXX FL I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1242679 XXXXXXXXXX XXXXXXXXXX 5995139 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX FL I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1242682 XXXXXXXXXX XXXXXXXXXX 5993229 902 08/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.               09/XX/2021 B 2 04/XX/2021 CA I 1 C   B   C   A   C   B   A   A     Exempt 1
1242682 XXXXXXXXXX XXXXXXXXXX 5993378 892 08/XX/2021 Compliance Compliance   Compliance - TRID LE- Incorrect or incomplete   Revised LE Dated xxx is at least 7 business days prior to consummation date xxx.     Client 09/XX/2021 02:23 PM; Per client - For this post purchase loan the below condition cannot be cured.   Would this condition be eligible to be waived:   

•Compliance TRID LE- Incorrect or incomplete COMMENT: Revised LE Dated 04/XX/2021 is at least 7 business days prior to consummation date 04/XX/2021.       



 Reviewer 09/XX/2021 06:47 AM;

 Reviewer 09/XX/2021 10:18 AM; Yes, I've updated.  Thank you! 		    09/XX/2021 B 2 04/XX/2021 CA I 1 C   B   C   A   C   B   A   A     Exempt 1
1242682 XXXXXXXXXX XXXXXXXXXX 5996840 330 08/XX/2021 Credit UW Credit   UW Credit - UW - Credit Other   Missing verification of monthly HOA dues on xxxxx xxxxxx xxx xxxx and xxx xxxxxx xxx Documentation has been provided.     Client 09/XX/2021 03:25 PM; HOA for xxx xxxxxx is $xxx per month.  xxxxx xxxxxx xxx & xxxxx xxxx xxx do not have HOA, per the borrower LOE.  All information was provided at the time of review.

 Reviewer 09/XX/2021 07:50 AM; condition wasw cleared		 09/XX/2021     A 1 04/XX/2021 CA I 1 C   B   C   A   C   B   A   A     Exempt 1
1242699 XXXXXXXXXX XXXXXXXXXX 5993777 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX CA I 3 D   A   D   A   A   A   C   A     Exempt 1
1242699 XXXXXXXXXX XXXXXXXXXX 5996949 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX CA I 3 D   A   D   A   A   A   C   A     Exempt 1
1242699 XXXXXXXXXX XXXXXXXXXX 5996951 438 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing pay stub   Provide most recent paystubs to verify monthly income of $xxx. full verification of employment provided.  Condition has been cleared.       08/XX/2021     A 1 XXXXXXXXXX CA I 3 D   A   D   A   A   A   C   A     Exempt 1
1242699 XXXXXXXXXX XXXXXXXXXX 5996952 439 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing W2s   Provide 2020 and 2019 W2s. full verification of employment provided.  Condition has been cleared.       08/XX/2021     A 1 XXXXXXXXXX CA I 3 D   A   D   A   A   A   C   A     Exempt 1
1242699 XXXXXXXXXX XXXXXXXXXX 5996953 445 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Other income documentation missing/incomplete   Provide evidence of $xxx of bonus income and 2 year history of receiving bonus income. EV provided   Reviewer 08/XX/2021 02:47 PM; Bonus income not addressed  for borrower year to date.  DTI currently out of tolerance.   09/XX/2021     A 1 XXXXXXXXXX CA I 3 D   A   D   A   A   A   C   A     Exempt 1
1242702 XXXXXXXXXX XXXXXXXXXX 5993780 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX ID I 13 C   A   C   A   A   A   C   A     Temporary QM Safe Harbor 1
1242702 XXXXXXXXXX XXXXXXXXXX 6015815 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   There is a DTI difference of 7.18%.  ***Lender used the following calculations Pension $xxx SSA $xxx VA Benefits $xxx(this income was grossed up per notes) Total Income $xxx Total Debts xxx (Present housing expense $xxx + Neg Rent $xxx + All other pmts $xxx * Total Housing pmts $xxx= $xxx). ***UW Income $xxx Total Debts $xxx (Present housing expense $xxx + Neg Rent $xxx + All other pmts $xxx = $xxx) Total Assets $xxx UW DTI 48.49% explanation provided   Reviewer 09/XX/2021 10:33 AM; reviewed condition still stands no documentation provided

 Reviewer 09/XX/2021 10:51 AM; Property located at xxxxx xxxxxx xxx shows negative in AUS of $xxx however, 2019 1040s Net -$xxx adding back depreciation, taxes, ins and Mtg interest and new mortgage $xxx. leaves Negative $xxx increasing back ratio outside of AUS tolerances.

 Client 09/XX/2021 12:48 PM; Note that the correct negative net rent for xxxxx xxxxxx xxx is $xxx after adding $xxx back to the cash flow for the amortization on Statement 6 of the tax return.  This is not a dispute of the deficiency.  It's just a correction to the negative net rent calculation for xxxxx xxxxxx xxx.

 Reviewer 09/XX/2021 03:19 PM;  

 Reviewer 09/XX/2021 03:19 PM; condition cleared		 09/XX/2021     A 1 XXXXXXXXXX ID I 13 C   A   C   A   A   A   C   A     Temporary QM Safe Harbor 1
1242716 XXXXXXXXXX XXXXXXXXXX 5993647 1108 08/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Loan originated with PIW. (Internal condition only - No action required by Correspondent) AVM received and is within tolerance     08/XX/2021     B 1 04/XX/2021 CA I 3 C   B   A   A   A   A   C   B   Exempt 1
1242753 XXXXXXXXXX XXXXXXXXXX 5997468 875 XXXXXXXXXX Compliance Disclosure   Disclosure - Other:   Borrower's Intent to Proceed with Application is required. Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 D   A   D   A   C   A   A   A     Exempt 1
1242753 XXXXXXXXXX XXXXXXXXXX 6010220 440 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete 1040's   Missing most recent personal tax returns (1040) with all applicable schedules to support net rental loss of $xxx/mo. for the subject property xxxxx xxxxxx xxx sufficient documentation provided to determine income     09/XX/2021     A 1 XXXXXXXXXX CA I 3 D   A   D   A   C   A   A   A     Exempt 1
1242762 XXXXXXXXXX XXXXXXXXXX 5993808 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX OR I 3 D   A   D   A   C   A   C   A     Exempt 1
1242762 XXXXXXXXXX XXXXXXXXXX 5995367 894 XXXXXXXXXX Compliance Compliance   Compliance - TRID LE- Other   No LE's in E-file.       09/XX/2021     A 1 XXXXXXXXXX OR I 3 D   A   D   A   C   A   C   A     Exempt 1
1242762 XXXXXXXXXX XXXXXXXXXX 5995368 901 XXXXXXXXXX Compliance Compliance   Compliance - TRID Other   SSPL is missing in E-file       09/XX/2021     A 1 XXXXXXXXXX OR I 3 D   A   D   A   C   A   C   A     Exempt 1
1242762 XXXXXXXXXX XXXXXXXXXX 5995369 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX OR I 3 D   A   D   A   C   A   C   A     Exempt 1
1242762 XXXXXXXXXX XXXXXXXXXX 6026604 320 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Other   The following asset account information is expired xxx , loan closed on xxx xxxxx xxxxxx xxx -  Provide updated statement. documentation receivec   Client 08/XX/2021 08:19 PM; the xxx xxxxx account is a quarterly statement from xxx to 12/XX/2020 for the 401k Profit Sharing/Retirement account.  There is a deposit to xxxxx xxxxxx xxx of $xxx that are from cash out proceeds from the refi of the xxxxxx property.  Appears that is what was listed on the DU results for assets.

 Reviewer 08/XX/2021 11:44 AM; condition has been cleared		 08/XX/2021     A 1 XXXXXXXXXX OR I 3 D   A   D   A   C   A   C   A     Exempt 1
1242762 XXXXXXXXXX XXXXXXXXXX 6026605 439 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing W2s   SUBMIT 2019 W2 received     09/XX/2021     A 1 XXXXXXXXXX OR I 3 D   A   D   A   C   A   C   A     Exempt 1
1242762 XXXXXXXXXX XXXXXXXXXX 6026729 423 XXXXXXXXXX Credit UW Collateral   UW Collateral - UW - Appraisal Correction/Clarification   Appraisal came back as owner occupied and the loan purpose is a investment refinance. No rent analysis or comment from the appraiser to the market rents. LOX received that borrowers would be moving out of subject property making it an investment property.     09/XX/2021     A 1 XXXXXXXXXX OR I 3 D   A   D   A   C   A   C   A     Exempt 1
1242765 XXXXXXXXXX XXXXXXXXXX 6010787 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Aus was ran without borrower's primary housing obligation for the property located at xxxxx xxxxxx xxx, xx xxxxxx  The monthly obligation is xxx.  I added in rental income because that property is a mulit unit primary residence.  This changed the front end ratio to 46.07 and  56.03 back end  xxx xxxxx monthly income calculated at xxx per month xxx xxxxxx using xxx this is based off 2 month bank statement provided business bank statement calculated monthly revenue is xxx with borrower 50% owner and the percent of income from PL is 52.55 to get xxx, subject property rental loss xxx using market rent from appraisal xxx, other debt xxx  Total Income xxx total debts xxx co borrowers income averaged over two years, P&L Supports income used in AUS     09/XX/2021     A 1 XXXXXXXXXX CA I 3 D   A   D   A   A   A   A   A     Exempt 1
1242765 XXXXXXXXXX XXXXXXXXXX 6010788 445 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Other income documentation missing/incomplete   Provide business bank statement for month ending xxx received documentation     09/XX/2021     A 1 XXXXXXXXXX CA I 3 D   A   D   A   A   A   A   A     Exempt 1
1242765 XXXXXXXXXX XXXXXXXXXX 6010789 433 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Short funds to close   Borrower to document xxx cash to close  Bank cert in file shows balance of xxx which is less than the bank statement documented. received     09/XX/2021     A 1 XXXXXXXXXX CA I 3 D   A   D   A   A   A   A   A     Exempt 1
1242816 XXXXXXXXXX XXXXXXXXXX 5993828 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX TN I 13 C   A   C   A   A   A   C   A     Temporary QM Safe Harbor 1
1242816 XXXXXXXXXX XXXXXXXXXX 6014290 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Correct monthly taxes for subject is $xxx (DU reflects $xxx)and monthly HOI for subject is $xxx ( DU reflects $xxx) documentation provided   Client 09/XX/2021 01:44 PM; Net difference in taxes and insurance is $116 and moves ratios < 1%.  within tolerance

 Reviewer 09/XX/2021 02:08 PM; condition cleared		 09/XX/2021     A 1 XXXXXXXXXX TN I 13 C   A   C   A   A   A   C   A     Temporary QM Safe Harbor 1
1242836 XXXXXXXXXX XXXXXXXXXX 6024057 351 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW - DTI exceeds maximum limit   Final DU in file reflects a total DTI of 28.27%. Audit DTI confirmed to be 37.21%. Final 1008 and Purchase Advice both reflect a final DTI of 36.961%. Final DU dtd xxx is signed by UW but does not match the final figures on the final 1008. Audit DTI is within tolerance of final 1008 but exceeds the 3% tolerance when considered against DU. Documentation has been provided.     Reviewer 09/XX/2021 09:58 AM; workbook to be updated as per the email comments with borrower income as well as rental income.  

 Client 09/XX/2021 06:05 PM; Income recalculation based off documents in file and additional information from the u/w. Orignal submission was not using rental income from subject to qualify. see updated calcs and logic for income calc update.

 Reviewer 09/XX/2021 06:28 AM; deficiency cleared 		09/XX/2021     A 1 XXXXXXXXXX CA I 1 D   A   D   A   A   A   A   A     Exempt 1
1242836 XXXXXXXXXX XXXXXXXXXX 6024059 442 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Retirement income docs missing/incomplete   Application date was xxx; however, only 2018-2019 1099's for xxxxx, xxxxx, xxxxxxx, xxxxxxx, and SSI were located in the file even though the 2020 1040s had already been filed. xxxx GLs require all files with application dates of xxx and beyond contain the most recent years' W2s/1099/etc. Due to there being 2 borrowers, the 2020 1040s could not be used due to being unable to break out the income for each borrower. document provided     09/XX/2021     A 1 XXXXXXXXXX CA I 1 D   A   D   A   A   A   A   A     Exempt 1
1242836 XXXXXXXXXX XXXXXXXXXX 6024060 1013 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income calculation worksheet required   There was no evidence located within the entirety of the credit package which verified the existence of the calculation worksheet for these two borrowers and the final 1008 also did not contain any notes or calculations. This also includes the calculations for properties located on Sch E of the 2020 1040s. Documentation has been provided.       09/XX/2021     A 1 XXXXXXXXXX CA I 1 D   A   D   A   A   A   A   A     Exempt 1
1242845 XXXXXXXXXX XXXXXXXXXX 5985607 427 XXXXXXXXXX Credit AUS   AUS - UW - AUS Incorrect for Debt Calculation   all debts/pmts or present house pmts not available in order to the matching ratios Total debts for all borrower's are included in total expenses. DTI supports total expenses / total income for 3 borrower's.     Client 09/XX/2021 01:41 PM; Please clarify which debts are missing. Unable to open/access the TPR document that was uploaded on 8/xx

 Reviewer 09/XX/2021 02:36 PM; condition has been cleared		 09/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   A   A   A   A     Exempt 1
1242862 XXXXXXXXXX XXXXXXXXXX 5993843 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX NJ I 3 C   A   C   A   A   A   C   A     Exempt 1
1242862 XXXXXXXXXX XXXXXXXXXX 5994970 185 XXXXXXXXXX Credit Flood Certificate   Flood Certificate - Flood insurance is required - Flood policy missing   policies in file are not flood insurance     Reviewer 09/XX/2021 04:15 PM; Received flood policy, Policy is showing expired, Policy terms are 06/XX/2020-06/XX/2021, condition remains open.

 Reviewer 09/XX/2021 01:11 PM; Updated flood policy received, effective date 06/XX/2021 is after closing date of 05/XX/2021, please provide corrected flood policy with effective date on or prior to 05/XX/2021, condition remains open..

 Client 09/XX/2021 02:42 PM; see lenders rebuttal below.
From: xxx xxxxxxx [xxxxx xxxxxx xxx] 
Sent: Thursday, September 9, 2021 2:32 PM
To: xxxxx xxxxxx  <xxxxx xxxxxx xxx>
Subject: [EXTERNAL] xxxxx 0051236992

CAUTION: This email originated from outside of the organization. Do not click links or open attachments unless you recognize the sender, and know the content is safe.

________________________________________
Hi xxxxxxx,

This file was a REFI and t

 Reviewer 09/XX/2021 04:26 PM;

 Reviewer 09/XX/2021 10:57 AM; Hello, 
Condition has been cleared. Thanks! 		09/XX/2021     A 1 XXXXXXXXXX NJ I 3 C   A   C   A   A   A   C   A     Exempt 1
1242865 XXXXXXXXXX XXXXXXXXXX 6016689 884 08/XX/2021 Compliance Compliance   Compliance - Pending Internal completion of compliance fee tests.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 05/XX/2021 NJ I 13 C   B   A   A   C   B   A   A     Temporary QM Safe Harbor 1
1242865 XXXXXXXXXX XXXXXXXXXX 6016690 898 08/XX/2021 Compliance Compliance   Compliance - TRID- Fee Tolerance Violation   Tolerance exceeded by $xxx due to the increase in title fees and recording fee, please provide proof of refund, LOX and PCCD reflecting the cure     Reviewer 09/XX/2021 09:13 AM; xxx provided is not an acceptable explanation for fee increases.  Condition remains.   09/XX/2021   B 2 05/XX/2021 NJ I 13 C   B   A   A   C   B   A   A     Temporary QM Safe Harbor 1
1242865 XXXXXXXXXX XXXXXXXXXX 6137136 1061 09/XX/2021 Compliance Compliance   Compliance - TRID Fee Tolerance Violation cured more than 60 days post consummation       Per SFA scope, remediation for good faith fee tolerance violation made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2 Reviewer 09/XX/2021 10:24 AM; Per SFA scope, remediation for good faith fee tolerance violation made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2     09/XX/2021 B 2 05/XX/2021 NJ I 13 C   B   A   A   C   B   A   A     Temporary QM Safe Harbor 1
1242899 XXXXXXXXXX XXXXXXXXXX 6024888 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide credit refresh report and/or UDM dated within 10 days of Note date received     09/XX/2021     A 1 XXXXXXXXXX AZ I 1 C   A   C   A   A   A   A   A     Exempt 1
1242899 XXXXXXXXXX XXXXXXXXXX 6024889 387 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Taxes and Insurance documentation   Provide copy of Note and First payment letter for new NOO purchase xxxxx xxxxxx xxx. PITI not to exceed $xxx/mo. documentation provided     09/XX/2021     A 1 XXXXXXXXXX AZ I 1 C   A   C   A   A   A   A   A     Exempt 1
1242899 XXXXXXXXXX XXXXXXXXXX 6024890 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide fully executed CD settlement statement for new NOO purchase xxxxx xxxxxx xxx verifying final CTC. This is required to determine sufficient assets have been verified for CTC and Reserves for both properties. received     09/XX/2021     A 1 XXXXXXXXXX AZ I 1 C   A   C   A   A   A   A   A     Exempt 1
1242899 XXXXXXXXXX XXXXXXXXXX 6024891 320 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Other   CTC for xxxxx xxxxxx xxx cannot exceed $xxx. Total assets verified $xxx - Reserves $xxx (6 mo. PITI for both investment properties - $xxx CTC for xxxxx xxxxxx= $xxx. received     09/XX/2021     A 1 XXXXXXXXXX AZ I 1 C   A   C   A   A   A   A   A     Exempt 1
1242902 XXXXXXXXXX XXXXXXXXXX 5985844 434 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Shorts Funds for Reserves   Verified Assets of $xxx.  Per AUS $xxx is required for reserves.     Reviewer 06/XX/2021 12:52 PM; xx xxxxxxx statement is dated 01/XX/2021-01/XX/2021. Provide more recent statement. nOTE DATE 04/XX/2021 06/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   C   A   C   A     Exempt 1
1242902 XXXXXXXXXX XXXXXXXXXX 5993859 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   C   A   C   A     Exempt 1
1242902 XXXXXXXXXX XXXXXXXXXX 5997640 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   C   A   C   A     Exempt 1
1242902 XXXXXXXXXX XXXXXXXXXX 5997641 975 XXXXXXXXXX Compliance Compliance   Compliance - CD- Payee Name missing or incorrect   Payee name is showing "TBD" for Tax Service in Section B in CD dated xxx. Required PCCD with correction. Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   C   A   C   A     Exempt 1
1242902 XXXXXXXXXX XXXXXXXXXX 5997642 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "xxx" or prior signed by the borrowers. Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   C   A   C   A     Exempt 1
1242974 XXXXXXXXXX XXXXXXXXXX 6028107 453 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW - Not Eligible with AUS decision provided   DTI exceeds 3% variance. AUS in file approved income without self employment losses. DTI with losses 20.198% vs 13.28. Borrower income recalculated after receipt of borrower tax returns, the W2 wages were not considered in the income calculation.  DTI now within tolerance.  Condition has been cleared.       09/XX/2021     A 1 XXXXXXXXXX AZ I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1242982 XXXXXXXXXX XXXXXXXXXX 5986206 459 XXXXXXXXXX Compliance Note   Note - is missing - No Image of Note found in file   I did not see it in the file.       06/XX/2021     A 1 XXXXXXXXXX MA I 3 D   A   C   A   D   A   C   A     Exempt 1
1242982 XXXXXXXXXX XXXXXXXXXX 5986207 988 XXXXXXXXXX Compliance Compliance   Compliance - FNMA or FHLMC UCD report is unsuccessful.   xxxxx xxx Eligibility results is RED.       06/XX/2021     A 1 XXXXXXXXXX MA I 3 D   A   C   A   D   A   C   A     Exempt 1
1242982 XXXXXXXXXX XXXXXXXXXX 5993895 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX MA I 3 D   A   C   A   D   A   C   A     Exempt 1
1242982 XXXXXXXXXX XXXXXXXXXX 6031035 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   Missing 2020 and Year to date 2021 P&L Documentation has been provided.       10/XX/2021     A 1 XXXXXXXXXX MA I 3 D   A   C   A   D   A   C   A     Exempt 1
1243011 XXXXXXXXXX XXXXXXXXXX 5993907 1108 08/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 05/XX/2021 TX I 13 C   B   A   A   C   B   C   A     Temporary QM Safe Harbor 1
1243011 XXXXXXXXXX XXXXXXXXXX 5997346 902 08/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           09/XX/2021     A 1 05/XX/2021 TX I 13 C   B   A   A   C   B   C   A     Temporary QM Safe Harbor 1
1243011 XXXXXXXXXX XXXXXXXXXX 5997347 968 08/XX/2021 Compliance Compliance   Compliance - CD- Fee Charged in Incorrect Section   Need PCCD moving Title-Guaranty Assessment Recoupment and Title-Tax Cert Fee to section C as borrower didn't use provider on SSPL.       09/XX/2021     A 1 05/XX/2021 TX I 13 C   B   A   A   C   B   C   A     Temporary QM Safe Harbor 1
1243011 XXXXXXXXXX XXXXXXXXXX 6155946 1062 09/XX/2021 Compliance Compliance   Compliance - CD-Clerical error correction made more than 60 days post consummation       Cleared with exception       09/XX/2021 B 2 05/XX/2021 TX I 13 C   B   A   A   C   B   C   A     Temporary QM Safe Harbor 1
1243028 XXXXXXXXXX XXXXXXXXXX 5986368 957 05/XX/2021 Credit Closing Package   Closing Package - First Payment Letter Missing or Incorrect   Kindly provide First Payment Letter provided with the loan delivery file - on page 958 of upload     06/XX/2021     A 1 05/XX/2021 OR I 13 C   B   B   A   C   B   C   A     Temporary QM Safe Harbor 1
1243028 XXXXXXXXXX XXXXXXXXXX 5993920 1108 08/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 05/XX/2021 OR I 13 C   B   B   A   C   B   C   A     Temporary QM Safe Harbor 1
1243028 XXXXXXXXXX XXXXXXXXXX 6016815 884 08/XX/2021 Compliance Compliance   Compliance - Pending Internal completion of compliance fee tests.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 05/XX/2021 OR I 13 C   B   B   A   C   B   C   A     Temporary QM Safe Harbor 1
1243028 XXXXXXXXXX XXXXXXXXXX 6016816 898 08/XX/2021 Compliance Compliance   Compliance - TRID- Fee Tolerance Violation   Tolerance exceeded by $xxx due to the increase in appraisal and credit report, the CD cured $xxx, still need the remaining $xxx along with proof of refund, LOX and PCCD reflecting the full cure Refund provided.   Reviewer 09/XX/2021 09:55 AM; Tdoc COC was already provided and does not give a valid reason for the increase in the apprasial fee. Condition remains open.   09/XX/2021   B 2 05/XX/2021 OR I 13 C   B   B   A   C   B   C   A     Temporary QM Safe Harbor 1
1243028 XXXXXXXXXX XXXXXXXXXX 6118127 1061 09/XX/2021 Compliance Compliance   Compliance - TRID Fee Tolerance Violation cured more than 60 days post consummation       Per SFA scope, remediation for good faith fee tolerance violation made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2 Reviewer 09/XX/2021 01:49 PM; Per SFA scope, remediation for good faith fee tolerance violation made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2     09/XX/2021 B 2 05/XX/2021 OR I 13 C   B   B   A   C   B   C   A     Temporary QM Safe Harbor 1
1243037 XXXXXXXXXX XXXXXXXXXX 5993923 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX FL I 1 C   A   A   A   C   A   C   A     Exempt 1
1243037 XXXXXXXXXX XXXXXXXXXX 5997397 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "xxx" or prior signed by the borrowers. Information Provided     10/XX/2021     A 1 XXXXXXXXXX FL I 1 C   A   A   A   C   A   C   A     Exempt 1
1243100 XXXXXXXXXX XXXXXXXXXX 5993950 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX FL I 1 C   A   A   A   C   A   C   A     Exempt 1
1243100 XXXXXXXXXX XXXXXXXXXX 5997432 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrowers electronically need e-consent from "xxx" or prior signed by the borrowers. Information Provided     10/XX/2021     A 1 XXXXXXXXXX FL I 1 C   A   A   A   C   A   C   A     Exempt 1
1243108 XXXXXXXXXX XXXXXXXXXX 5997229 901 XXXXXXXXXX Compliance Compliance   Compliance - TRID Other   Initial disclosures were delivered to the borrower electronically need e-consent form "xxx" or prior signed by the borrowers. Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   C   A   C   A     Exempt 1
1243108 XXXXXXXXXX XXXXXXXXXX 6032146 261 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW -  Appraisal - Misrepresentation   Discrepancy between Purchase Transaction.   Per appraisal the purchase is a Arms Length transaction however the 1008 indicates the purchase is a non-arms length Appraisal revised to show Non Arms Length transaction.     09/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   C   A   C   A     Exempt 1
1243108 XXXXXXXXXX XXXXXXXXXX 6032148 1015 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - IRS Transcripts required   Missing for 2020+2019- Rental income used per 1040's Docs received     09/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   C   A   C   A     Exempt 1
1243128 XXXXXXXXXX XXXXXXXXXX 5993669 1108 08/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Loan originated with PIW. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     B 1 05/XX/2021 VA I 3 C   B   A   A   A   A   C   B   Exempt 1
1243128 XXXXXXXXXX XXXXXXXXXX 6030336 272 08/XX/2021 Valuation UW Collateral   UW Collateral - UW - Appraisal Other   Verify if property is in a PUD, DU reflects in a PUD but did not require appraisal ( PIW). Subject does not appear to be in a PUD. Documentation has been provided.     Reviewer 09/XX/2021 05:12 PM; revised AUS provided however still need documentation that the subject property is not in a PUD.   09/XX/2021     B 1 05/XX/2021 VA I 3 C   B   A   A   A   A   C   B   Exempt 1
1243177 XXXXXXXXXX XXXXXXXXXX 6046057 318 08/XX/2021 Credit UW Assets   UW Assets - UW - Source of Large Deposit   Missing the source of the following large deposit(s) $xxx on xxx from xxxx - #xxx. Business bank statements shows a check for the same amount cashed the day after the deposit on xxx; however a copy of the check was not provided. received   Client 09/XX/2021 01:57 PM; source of funds in loan file and large deposit not needed to complete transaction. without large deposit check, borrower has $xxx available with requirement of $xxx ctc and $xxx to cover reserves requirement.

 Reviewer 09/XX/2021 06:20 PM; condition cleared		 09/XX/2021     A 1 05/XX/2021 FL I 3 D   B   D   A   C   B   A   A     Exempt 1
1243177 XXXXXXXXXX XXXXXXXXXX 6046058 393 08/XX/2021 Credit UW Credit   UW Credit - UW - Missing undisclosed properties   Undisclosed Liability. Fraud report indicates the borrower purchased a property located at xxxxxx that closed xxx. Date of application xxx was prior to the Note date and credit refresher shows an inquiry on xxx. Missing Closing Disclosure to evidence sufficient funds verified to cover closing for both the subject transaction and purchase. In addition, missing the Note to determine the terms of the new liability. Terms of new liability for xxxxxxx provided on the CD as well as funds required for closing established to be sufficient.  Condition has been cleared.       09/XX/2021     A 1 05/XX/2021 FL I 3 D   B   D   A   C   B   A   A     Exempt 1
1243177 XXXXXXXXXX XXXXXXXXXX 6160920 1061 09/XX/2021 Compliance Compliance   Compliance - TRID Fee Tolerance Violation cured more than 60 days post consummation       Cleared with exception       09/XX/2021 B 2 05/XX/2021 FL I 3 D   B   D   A   C   B   A   A     Exempt 1
1243177 XXXXXXXXXX XXXXXXXXXX 6160924 1062 09/XX/2021 Compliance Compliance   Compliance - CD-Clerical error correction made more than 60 days post consummation     Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2   Reviewer 09/XX/2021 11:07 AM; Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2     09/XX/2021 B 2 05/XX/2021 FL I 3 D   B   D   A   C   B   A   A     Exempt 1
1243177 XXXXXXXXXX XXXXXXXXXX 6011670 9 08/XX/2021 Credit Application   Application - is missing   Initial Application is missing in file. Information Provided     09/XX/2021     A 1 05/XX/2021 FL I 3 D   B   D   A   C   B   A   A     Exempt 1
1243177 XXXXXXXXXX XXXXXXXXXX 6011671 901 08/XX/2021 Compliance Compliance   Compliance - TRID Other   Initial disclosures were delivered to the borrower electronically need e-consent form "xxx" or prior signed by the borrowers. Information Provided     09/XX/2021     A 1 05/XX/2021 FL I 3 D   B   D   A   C   B   A   A     Exempt 1
1243177 XXXXXXXXXX XXXXXXXXXX 6011672 973 08/XX/2021 Compliance Compliance   Compliance - CD- Other   XXXXXXX  in Closing Information section is missing on page 1 of CD dated xxx. Please provide PCCD for same. Information Provided   Reviewer 09/XX/2021 11:48 AM; PCCD was not provided. Condition remains open.

 Reviewer 09/XX/2021 08:06 AM; escalate		 09/XX/2021     A 1 05/XX/2021 FL I 3 D   B   D   A   C   B   A   A     Exempt 1
1243177 XXXXXXXXXX XXXXXXXXXX 6011673 902 08/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 05/XX/2021 FL I 3 D   B   D   A   C   B   A   A     Exempt 1
1243214 XXXXXXXXXX XXXXXXXXXX 6002228 894 XXXXXXXXXX Compliance Compliance   Compliance - TRID LE- Other   Missing Initial LE is disclosed within three business days of the loan originator's application date Information Provided     10/XX/2021     A 1 XXXXXXXXXX UT I 1 C   A   A   A   C   A   A   A     Exempt 1
1243214 XXXXXXXXXX XXXXXXXXXX 6002229 901 XXXXXXXXXX Compliance Compliance   Compliance - TRID Other   SSPL missing in E-File Information Provided     10/XX/2021     A 1 XXXXXXXXXX UT I 1 C   A   A   A   C   A   A   A     Exempt 1
1243214 XXXXXXXXXX XXXXXXXXXX 6002230 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     10/XX/2021     A 1 XXXXXXXXXX UT I 1 C   A   A   A   C   A   A   A     Exempt 1
1243240 XXXXXXXXXX XXXXXXXXXX 5994017 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX OR I 13 C   A   C   A   A   A   C   A     Exempt 1
1243240 XXXXXXXXXX XXXXXXXXXX 6032407 771 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Inquiry Letter in file addressing all inquiries within the last 90 days   For inquiry on xxx by xxxx BA/Credit Plus received     09/XX/2021     A 1 XXXXXXXXXX OR I 13 C   A   C   A   A   A   C   A     Exempt 1
1243240 XXXXXXXXXX XXXXXXXXXX 6032409 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide the final Closing Disclosure supporting new mortgage payment of $xxx with XXXX #XXXX for the property at XXXXXXX Documentation has been provided.       09/XX/2021     A 1 XXXXXXXXXX OR I 13 C   A   C   A   A   A   C   A     Exempt 1
1243240 XXXXXXXXXX XXXXXXXXXX 6032410 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide the final Closing Disclosure supporting new mortgage payment of $xxx with xxx #x for the property at xxxxx Documentation has been provided.       09/XX/2021     A 1 XXXXXXXXXX OR I 13 C   A   C   A   A   A   C   A     Exempt 1
1243260 XXXXXXXXXX XXXXXXXXXX 6018331 884 XXXXXXXXXX Compliance Compliance   Compliance - Pending Internal completion of compliance fee tests.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX ID I 13 C   A   C   A   C   A   C   A     Exempt 1
1243260 XXXXXXXXXX XXXXXXXXXX 6018332 893 XXXXXXXXXX Compliance Compliance   Compliance - TRID LE- Need re-disclosed LE within 3 days of change of circumstance   Please provide the LE/CD issued within 3 days of the COC in file dated xxx Information Provided   Reviewer 09/XX/2021 12:27 PM; Outstanding. 09/XX/2021     A 1 XXXXXXXXXX ID I 13 C   A   C   A   C   A   C   A     Exempt 1
1243260 XXXXXXXXXX XXXXXXXXXX 6018333 898 XXXXXXXXXX Compliance Compliance   Compliance - TRID- Fee Tolerance Violation   Tolerance exceeded by $xxx due to the increase in appraisal (no disclosure dated within 3 days of the COC) and recording fee, the CD cured $xxx still need the remaining $xxx along with proof of refund LOX and PCCD reflecting the cure Information Provided   Reviewer 09/XX/2021 12:27 PM; Outstanding. 09/XX/2021     A 1 XXXXXXXXXX ID I 13 C   A   C   A   C   A   C   A     Exempt 1
1243260 XXXXXXXXXX XXXXXXXXXX 6042872 379 XXXXXXXXXX Credit UW Other   UW Other - UW - Letter of Explanation   XXXXXX • Primary rent xxx per month  not added to liabilities provide proof borrower lives rent free- note if borrower lives rent free rental income from subject property cannot be used. Cancelled checks provided, condition has been cleared.     Client 09/XX/2021 09:59 AM; Disagree-Proof of 12 months’ rent payments now in file. TDOC 12 months’ rent checks (tab)

 Reviewer 09/XX/2021 11:35 AM; condition remains outstanding

 Reviewer 09/XX/2021 11:36 AM; did not receive cancelled checks

 Client 09/XX/2021 02:24 PM; The rent payment now uploaded into file.

 Reviewer 09/XX/2021 02:23 PM; condition cleared		 09/XX/2021     A 1 XXXXXXXXXX ID I 13 C   A   C   A   C   A   C   A     Exempt 1
1243260 XXXXXXXXXX XXXXXXXXXX 6042873 260 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Report Incomplete   Rental income for subject iao xxx per month is not supported by comparable rent schedule or leases in loan file provide proof of rental income. Documentation has been provided.     Reviewer 09/XX/2021 11:36 AM; did not receive cancelled checks as escalation notes state

 Client 09/XX/2021 02:35 PM; Disagree-Within the appraisal Form xxx xxx rent: Unit #1 $xxxUnit #2 $xxx

 Reviewer 09/XX/2021 02:23 PM; condition cleared		 09/XX/2021     A 1 XXXXXXXXXX ID I 13 C   A   C   A   C   A   C   A     Exempt 1
1243300 XXXXXXXXXX XXXXXXXXXX 6037017 1013 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income calculation worksheet required   For the rental income document received   Client 09/XX/2021 02:13 PM; Rental income sheet uploaded to file.

 Reviewer 09/XX/2021 02:20 PM; condition remains open.  Did not receive documentation

 Client 10/XX/2021 12:25 PM; Please refer to write-up and supporting documentation uploaded.

 Reviewer 10/XX/2021 03:46 PM; deficiency cleared 		10/XX/2021     A 1 XXXXXXXXXX NJ I 3 C   A   C   A   A   A   A   A     Exempt 1
1243300 XXXXXXXXXX XXXXXXXXXX 6037018 1014 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income calculation worksheet self employed   is missing in the file document received   Client 10/XX/2021 12:26 PM; Please refer to write-up and supporting documentation uploaded.

 Reviewer 10/XX/2021 03:46 PM; deficiency cleared 		10/XX/2021     A 1 XXXXXXXXXX NJ I 3 C   A   C   A   A   A   A   A     Exempt 1
1243300 XXXXXXXXXX XXXXXXXXXX 6037029 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide documentation/lease agreement for the property located at xxx xxx xxx xxx xxx supporting rental income of $xxx/Mo. Doc received     09/XX/2021     A 1 XXXXXXXXXX NJ I 3 C   A   C   A   A   A   A   A     Exempt 1
1243300 XXXXXXXXXX XXXXXXXXXX 6037031 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide documentation/lease agreement for the property located at xxx xxx xxx supporting rental income of $xxx/Mo updated worksheet is within AUS tolerances   Client 10/XX/2021 12:23 PM; Please refer to write-up and supporting documentation uploaded.

 Client 10/XX/2021 12:23 PM; Please refer to write-up and supporting documentation uploaded.

 Reviewer 10/XX/2021 03:42 PM; deficiency cleared

 Reviewer 10/XX/2021 03:43 PM; deficiency cleared previously - duplicate 		10/XX/2021     A 1 XXXXXXXXXX NJ I 3 C   A   C   A   A   A   A   A     Exempt 1
1243300 XXXXXXXXXX XXXXXXXXXX 6037041 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Rental loss from the property located at xxx xxx xxx was not included in the ratios and no documentation is in file verifying whether its a third party liable. updated worksheet is within AUS tolerances   Client 10/XX/2021 12:23 PM; Please refer to write-up and supporting documentation uploaded.

 Reviewer 10/XX/2021 03:44 PM; deficiency cleared 		10/XX/2021     A 1 XXXXXXXXXX NJ I 3 C   A   C   A   A   A   A   A     Exempt 1
1243300 XXXXXXXXXX XXXXXXXXXX 6037043 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Borrower indicated he is renting the property he owns per credit report/tax returns at xxx xxx xxx and no lox/VOR has been provided. updated worksheet is within AUS tolerances   Client 10/XX/2021 12:24 PM; Please refer to write-up and supporting documentation uploaded.

 Reviewer 10/XX/2021 03:44 PM; deficiency cleared 		10/XX/2021     A 1 XXXXXXXXXX NJ I 3 C   A   C   A   A   A   A   A     Exempt 1
1243300 XXXXXXXXXX XXXXXXXXXX 6037012 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide documentation used in calculating net rental income of $xxx from the subject property (xxx) as the calculated net rental income from tax returns of $xxx and appraisal form 1007 of ($xxx) does not support that amount used to qualify. updated worksheet within AUS tolerances   Client 10/XX/2021 12:23 PM; Please refer to write-up and supporting documentation uploaded.

 Reviewer 10/XX/2021 03:42 PM; deficiency cleared 		10/XX/2021     A 1 XXXXXXXXXX NJ I 3 C   A   C   A   A   A   A   A     Exempt 1
1243300 XXXXXXXXXX XXXXXXXXXX 6037016 1012 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Calculation Discrepancy self-employed income   Income used in qualifying is $xxx/Mo whereas calculated income is $xxx/Mo. Income worksheet are missing to verify where the variance is. updated worksheet is within AUS tolerances   Client 10/XX/2021 12:25 PM; SE Income worksheet uploaded.

 Reviewer 10/XX/2021 03:45 PM; deficiency cleared 		10/XX/2021     A 1 XXXXXXXXXX NJ I 3 C   A   C   A   A   A   A   A     Exempt 1
1243323 XXXXXXXXXX XXXXXXXXXX 5994046 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX PA I 1 C   A   C   A   A   A   C   A     Exempt 1
1243323 XXXXXXXXXX XXXXXXXXXX 6038674 771 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Inquiry Letter in file addressing all inquiries within the last 90 days   XXXXXX-xxx inquiry was not addressed XXXXXX report provided support no new loans or inquiries.  Condition has been cleared.       09/XX/2021     A 1 XXXXXXXXXX PA I 1 C   A   C   A   A   A   C   A     Exempt 1
1243326 XXXXXXXXXX XXXXXXXXXX 6032255 328 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Satisfactory 12 mth Mortgage   Most recent 12 months of mortgage history for xxx xxx loan in the amount of $xxx for property located at xxxxx was not provided as indicated on the DU findings. Property was refinanced February 2021, copy of note and CD provided stating the PITIA.  Condition has been cleared.        09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   A   A     Exempt 1
1243326 XXXXXXXXXX XXXXXXXXXX 6032257 1018 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Self-Employed verify business   Third party verification of existence of borrowers business was not verified Documentation has bene provided.       09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   A   A     Exempt 1
1243326 XXXXXXXXXX XXXXXXXXXX 6032258 771 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Inquiry Letter in file addressing all inquiries within the last 90 days   Information searching/xxx xxx/Infosearch-xxx was not addressed Documentation has been provided.       09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   A   A     Exempt 1
1243337 XXXXXXXXXX XXXXXXXXXX 5994053 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   A   A   A   A   C   A     Exempt 1
1243337 XXXXXXXXXX XXXXXXXXXX 6048017 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   Second Appraisal required- NO CU score provided or Available ( Internal condition only- No Action Required by correspondent) received     10/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   A   A   A   A   C   A     Exempt 1
1243340 XXXXXXXXXX XXXXXXXXXX 5994054 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Documentation has been provided.     08/XX/2021     A 1 XXXXXXXXXX FL I 1 C   A   A   A   C   A   C   A     Exempt 1
1243340 XXXXXXXXXX XXXXXXXXXX 6002793 875 XXXXXXXXXX Compliance Disclosure   Disclosure - Other:   Borrower's Intent to Proceed with Application is required. Information Provided   Reviewer 08/XX/2021 11:07 AM; Outstanding. 09/XX/2021     A 1 XXXXXXXXXX FL I 1 C   A   A   A   C   A   C   A     Exempt 1
1243363 XXXXXXXXXX XXXXXXXXXX 6022946 884 08/XX/2021 Compliance Compliance   Compliance - Pending Internal completion of compliance fee tests.  Additional conditions may apply.     Information Provided     10/XX/2021     A 1 05/XX/2021 CA I 13 C   B   A   A   C   B   A   A     Temporary QM Safe Harbor 1
1243363 XXXXXXXXXX XXXXXXXXXX 6022947 898 08/XX/2021 Compliance Compliance   Compliance - TRID- Fee Tolerance Violation   Tolerance exceeded by $xxx due to the increase in appraisal and recording fee, the CD cured $xxx, still need the remaining $xxx along with proof of refund, LOX and PCCD reflecting the full cure Information Provided   Reviewer 10/XX/2021 01:47 PM; Received PCCD, LOX, please provide copy of check in the amount of $xxx, condition remains open. 10/XX/2021     A 1 05/XX/2021 CA I 13 C   B   A   A   C   B   A   A     Temporary QM Safe Harbor 1
1243363 XXXXXXXXXX XXXXXXXXXX 6181768 1062 10/XX/2021 Compliance Compliance   Compliance - CD-Clerical error correction made more than 60 days post consummation     Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2   Reviewer 10/XX/2021 02:09 PM; Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2     10/XX/2021 B 2 05/XX/2021 CA I 13 C   B   A   A   C   B   A   A     Temporary QM Safe Harbor 1
1243443 XXXXXXXXXX XXXXXXXXXX 6011665 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrowers electronically need e-consent from "xxx" or prior signed by the borrowers. Information Provided     09/XX/2021     A 1 XXXXXXXXXX NJ I 3 C   A   A   A   C   A   A   A     Exempt 1
1243449 XXXXXXXXXX XXXXXXXXXX 6011156 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrowers electronically need e-consent from "xxx" or prior signed by the borrowers. Information Provided     09/XX/2021     A 1 XXXXXXXXXX PA I 1 C   A   A   A   C   A   A   A     Exempt 1
1243475 XXXXXXXXXX XXXXXXXXXX 5988289 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide closing disclosure for concurrent refinance of primary located at xxx & xxx/xxx with xxx as indicated on the DU Findings.     Reviewer 06/XX/2021 12:14 PM; Did not receive closing disclosure for xxx. 06/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   C   A     Exempt 1
1243475 XXXXXXXXXX XXXXXXXXXX 5994104 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   C   A     Exempt 1
1243538 XXXXXXXXXX XXXXXXXXXX 6038610 324 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Debt Calculations Incorrect   PROVIDE AN UPDATED AUS TO REFLECT THE FOLLOWING UPDATES S/E MONTHLY INCOME $xxx AND ALL OTHER REO ICOME $xxx (RENTAL INCOME IS PENDING, ADD'L DOCS REQUIRED)/ SUBJCT PROPERTY RENTAL LOSS $xxx / ALL OTHER LIABILITIES $xxx (xxx #xxxx30 DAY/OPEN ACCOUNT MONTHLY PMT$xxx HAS BEEN INCLUDED IN DTI / TOTAL MONTHLY DEBTS $xxx documentation provided     10/XX/2021     A 1 XXXXXXXXXX VA I 3 D   A   D   A   A   A   A   A     Exempt 1
1243538 XXXXXXXXXX XXXXXXXXXX 6038611 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   MISSING CLOSING DISCLOSURE AND EVIDENCE OF THE FULL PITIA FOR SSB / NEW LOAN FOR xxx xxx AND PROOF xxx HOME #xxxx HAS BEEN PAID OFF Documentation has been provided.       09/XX/2021     A 1 XXXXXXXXXX VA I 3 D   A   D   A   A   A   A   A     Exempt 1
1243538 XXXXXXXXXX XXXXXXXXXX 6038612 392 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Debt Clarification   MISSING DOCUMENTATION TO VERIFY IF BORROWER STILL OWNS  xxxx, xxxx.  & xxxx Documentation has been provided.       09/XX/2021     A 1 XXXXXXXXXX VA I 3 D   A   D   A   A   A   A   A     Exempt 1
1243538 XXXXXXXXXX XXXXXXXXXX 6038619 998 XXXXXXXXXX Credit UW Other   UW Other - UW - Title Commitment is missing or requires correction.   MISSING AN UPDATED TITLE REPORT TO REFLECT THE CORRECT VESTING WITH BORROWER'S NAME.  VESTING IS REQUIRED TO BE DEEDED OUT OF THE COMPANY'S NAME Documentation has been provided.       09/XX/2021     A 1 XXXXXXXXXX VA I 3 D   A   D   A   A   A   A   A     Exempt 1
1243538 XXXXXXXXXX XXXXXXXXXX 6038627 379 XXXXXXXXXX Credit UW Other   UW Other - UW - Letter of Explanation   MISSING LETTER OF EXPLANATION REGARDING LOAN APPLICATION DECLARATIONS (M 1).  BORROWER MARKED PRINCIPAL RESIDENCE IS THE TYPE OF PROPERTY OWNED IN THE LAST 3 YEARS, BUT THERE'S NO PRIMARY RESIDENCE REPORTED ON THE REO SCREEN. documentation provided   Reviewer 10/XX/2021 04:32 PM;   10/XX/2021     A 1 XXXXXXXXXX VA I 3 D   A   D   A   A   A   A   A     Exempt 1
1243586 XXXXXXXXXX XXXXXXXXXX 5994147 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX FL I 3 C   A   A   A   A   A   C   A     Exempt 1
1243586 XXXXXXXXXX XXXXXXXXXX 6069427 326 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Evidence Satisfaction of Debt   The following properties were refinanced at the same time as the subject; however, evidence of the omission of the 5 mortgages + new payments (including HOA dues) was not provided xxxxxx.  In addition, the primary residence on xxxx  was also refinanced but there was no evidence found confirming the entire (new) PITIA payment. Documentation has been provided.       09/XX/2021     A 1 XXXXXXXXXX FL I 3 C   A   A   A   A   A   C   A     Exempt 1
1243615 XXXXXXXXXX XXXXXXXXXX 5988834 897 XXXXXXXXXX Compliance Compliance   Compliance - TRID CD- Other   Incorrect Loan Purpose type given as "Home Equity Loan" instead of "Refinance" on 1st Page of CD Dated xxx, Please provide PCCD with correct Loan Purpose. CD shows correct loan purchase as this is a xxx cash out.     06/XX/2021     A 1 XXXXXXXXXX TX I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1243615 XXXXXXXXXX XXXXXXXXXX 5988835 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           07/XX/2021     A 1 XXXXXXXXXX TX I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1243615 XXXXXXXXXX XXXXXXXXXX 6043312 387 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Taxes and Insurance documentation   Provide verification of property taxes for xxxxx. documentation provided   Client 08/XX/2021 10:07 AM; Disagree with Defect.  Property Detail Report was provided at initial review.  Re-uploaded.  

 Reviewer 08/XX/2021 12:12 PM; condition cleared		 08/XX/2021     A 1 XXXXXXXXXX TX I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1243615 XXXXXXXXXX XXXXXXXXXX 6043313 392 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Debt Clarification   Provide terms of xxxxxx reflecing payment of $xxx and balance of $xxx. CD provided new account   Client 08/XX/2021 09:24 AM; Disagree with Defect. First Home Bank, to property.,xxx Loan Closed on 6/XX/2021, property was free and clear. CD provided on 8/XX/2021.

 Reviewer 08/XX/2021 12:08 PM; duplicate

 Client 09/XX/2021 11:02 AM; xxxx xxx CD provided, loan amount is $xxx. See Credit Refresh run 9/XX/2021.  Please review and advise.

 Reviewer 09/XX/2021 12:48 PM; deficiency cleared 		09/XX/2021     A 1 XXXXXXXXXX TX I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1243615 XXXXXXXXXX XXXXXXXXXX 6043314 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide payment terms and payment history for xxx lien against xxxx showing payment of $xxx as reflected on 1003.  Account not reporting on credit report. document provided   Client 08/XX/2021 10:14 AM; 2 pages to xxx Lien provided, however no pay history.

 Reviewer 08/XX/2021 12:14 PM; condition has been updated.  Still need proof payments made on time from March-June

 Reviewer 08/XX/2021 12:14 PM; Note was provided, missing proof of payments from March-June

 Client 09/XX/2021 11:02 AM; See Credit Refresh run 9/XX/2021.  Please review and advise.

 Reviewer 09/XX/2021 12:59 PM; deficiency cleared 		09/XX/2021     A 1 XXXXXXXXXX TX I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1243615 XXXXXXXXXX XXXXXXXXXX 6043315 392 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Debt Clarification   Provide payment terms and payment history for xxx lien against  xxxx .  Per LOE for inquiry dated xxx new debt was obtained as completed cash out refinances for this property.  Account not reporting on credit report. CD provided   Client 08/XX/2021 09:20 AM; Disagree with Defect.  First Home Bank, to property xxxx, Loan Closed on 6/XX/2021, First payment would not be due until 8-xx-2021, property was free and clear.  CD provided on 8/XX/2021.

 Reviewer 08/XX/2021 12:07 PM; condition has been amended, still need proof of PITI to be included in DTI

 Reviewer 08/XX/2021 12:19 PM; still missing proof of PITI

 Client 09/XX/2021 11:02 AM; See Credit Refresh run 9/XX/2021.  Please review and advise.

 Reviewer 09/XX/2021 12:58 PM; deficiency cleared 		09/XX/2021     A 1 XXXXXXXXXX TX I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1243615 XXXXXXXXXX XXXXXXXXXX 6043317 454 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW - Seasoning Requirement Not Met   Verify title is vested in borrower's names and borrower's have been on title 6 months to meet Cashout requirements. out of scope     08/XX/2021     A 1 XXXXXXXXXX TX I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1243618 XXXXXXXXXX XXXXXXXXXX 6046810 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Profit and Loss statement for xxx xxx & xxx, xxx was not updated to 60 days prior closing.  Statement provided is dated as of xxx.  Closing date xxx. Doc received     10/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   A   A   A   A     Exempt 1
1243635 XXXXXXXXXX XXXXXXXXXX 5994172 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX WA I 1 D   A   D   A   A   A   C   A     Exempt 1
1243635 XXXXXXXXXX XXXXXXXXXX 6054821 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   "Lender to document the new xxxx xxx xxx xxx +  xxx xxx xxx #xxxx +xxx xxx xxx #x  and xxx xxx xxx #xxxx New PI payment" Docs received   Reviewer 09/XX/2021 11:40 AM; Received 1st payment leter and CD for #x xxxxxx 09/XX/2021     A 1 XXXXXXXXXX WA I 1 D   A   D   A   A   A   C   A     Exempt 1
1243635 XXXXXXXXXX XXXXXXXXXX 6054823 431 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing   Lender to document the Secured Borrower funds listed on the 1003 $xxx; $xxx; $xxx have been deposited into the borrowers account Docs received     09/XX/2021     A 1 XXXXXXXXXX WA I 1 D   A   D   A   A   A   C   A     Exempt 1
1243695 XXXXXXXXXX XXXXXXXXXX 6052430 339 XXXXXXXXXX Credit UW Other   UW Other - UW - Data Input Error   AUS/DU  Borrower is Self Employed, AUS/DU reflects Employed borrower requiring documentation of W2 and paystub, requirements are not correctly reflected due to data entry error Doc received   Client 09/XX/2021 11:56 AM; Updated AUS/DU Summary of Findings provided. Submission #4. Dated 9-xxx-2021.  Please review and advise.

 Reviewer 09/XX/2021 01:57 PM; deficiency cleared in tdocs		 09/XX/2021     A 1 XXXXXXXXXX UT I 1 C   A   C   A   A   A   A   A     Exempt 1
1243695 XXXXXXXXXX XXXXXXXXXX 6052431 339 XXXXXXXXXX Credit UW Other   UW Other - UW - Data Input Error   AUS/DU, NOTE,,Subject Cash Flow/Neg cash flow is not reflected, there is a positive Cash flow of $xxx/mo, currently it is $xxx, this is non issue for approval status Doc received   Client 09/XX/2021 11:56 AM; Updated AUS/DU Summary of Findings provided. Submission #4. Dated 9-xx-2021.  Please review and advise.

 Reviewer 09/XX/2021 01:58 PM; deficiency cleared in tdocs 		09/XX/2021     A 1 XXXXXXXXXX UT I 1 C   A   C   A   A   A   A   A     Exempt 1
1243732 XXXXXXXXXX XXXXXXXXXX 6013424 862 XXXXXXXXXX Compliance Deed of Trust/Mortgage   Deed of Trust/Mortgage - Other:   Closing date (xxx) is missing on Notary section of DOT Information Provided     09/XX/2021     A 1 XXXXXXXXXX FL I 13 C   A   A   A   C   A   A   A     Temporary QM Safe Harbor 1
1243795 XXXXXXXXXX XXXXXXXXXX 6134640 1062 09/XX/2021 Compliance Compliance   Compliance - CD-Clerical error correction made more than 60 days post consummation       Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2 Reviewer 09/XX/2021 04:13 PM; Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2     09/XX/2021 B 2 06/XX/2021 CA I 1 C   B   C   A   C   B   A   A     Exempt 1
1243795 XXXXXXXXXX XXXXXXXXXX 6014401 902 08/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 06/XX/2021 CA I 1 C   B   C   A   C   B   A   A     Exempt 1
1243795 XXXXXXXXXX XXXXXXXXXX 6014402 967 08/XX/2021 Credit Compliance   Compliance - CD- Dated incorrectly (Issue Date, Closing Date, Disbursement Date)   On CD dated (xxx) Closing date (xxx) is not matched with Note date (xxx) and consummation date (xxx). Information Provided   Reviewer 09/XX/2021 06:23 AM; PCCD provided with out correction to closing date. Closing date per DOT is 06/XX/2021. Please provide a PCCD with correction. 09/XX/2021     A 1 06/XX/2021 CA I 1 C   B   C   A   C   B   A   A     Exempt 1
1243795 XXXXXXXXXX XXXXXXXXXX 6014403 986 08/XX/2021 Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "xxx" or prior signed by the borrowers. Information Provided     09/XX/2021     A 1 06/XX/2021 CA I 1 C   B   C   A   C   B   A   A     Exempt 1
1243795 XXXXXXXXXX XXXXXXXXXX 6044755 1014 08/XX/2021 Credit UW Income/Employment   UW Income/Employment - UW - Income calculation worksheet self employed   is missing. Documentation has been provided.       09/XX/2021     A 1 06/XX/2021 CA I 1 C   B   C   A   C   B   A   A     Exempt 1
1243798 XXXXXXXXXX XXXXXXXXXX 6047441 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   LP FINDING TO BE UPDATED UPON RECEIPT OF THE FOLLOIWNG DOCUMENTS  MISSING AN APPRAISAL COMPLETION REPORT DUE TO THE APPRAISAL EXPIRING PRIOR TO CLOSING. NEED A PROFIT & LOSS STATEMENT TO REVIEW INCOME CALCULATION FOR BOTH BORROWERS.  You have Heloc Liabilities which are not attached to a property. You must attach them to properties on the liabilities page before you can finish the loan decisioning. Received updated AUS.     09/XX/2021     A 1 XXXXXXXXXX VA I 13 D   A   D   A   A   A   C   A     Temporary QM Safe Harbor 1
1243798 XXXXXXXXXX XXXXXXXXXX 6047420 340 XXXXXXXXXX Credit UW Other   UW Other - UW - Insurance Missing (MI or Project)   MISSING AN UPDATED HOI xxx PAGE FOR XXXXX  (xxx PAGE UPLOADED EXPIRED ON xxx). Updated Dec page provided.     09/XX/2021     A 1 XXXXXXXXXX VA I 13 D   A   D   A   A   A   C   A     Temporary QM Safe Harbor 1
1243798 XXXXXXXXXX XXXXXXXXXX 6047421 379 XXXXXXXXXX Credit UW Other   UW Other - UW - Letter of Explanation   PROVIDE AN EXPLANATION CLARIFYING THE RELATIONSHIP WITH THE BORROWERS AND xxxx Documentation has been provided.       09/XX/2021     A 1 XXXXXXXXXX VA I 13 D   A   D   A   A   A   C   A     Temporary QM Safe Harbor 1
1243798 XXXXXXXXXX XXXXXXXXXX 6047422 340 XXXXXXXXXX Credit UW Other   UW Other - UW - Insurance Missing (MI or Project)   MISSING AN UPDATED HOI DEC PAGE FOR xxxx (xxx PAGE UPLOADED EXPIRED ON (xxx) Updated Dec page provided.     09/XX/2021     A 1 XXXXXXXXXX VA I 13 D   A   D   A   A   A   C   A     Temporary QM Safe Harbor 1
1243798 XXXXXXXXXX XXXXXXXXXX 6047423 379 XXXXXXXXXX Credit UW Other   UW Other - UW - Letter of Explanation   MISSING EXPLANATION FOR MORTGAGEES REPORTED ON xxxxx HOI DEC PAGE.   THE TWO MORTGAGES REPORTING ON HOI DOES NOT MATCH ANY MORTGAGES ON CREDIT REPORT. documentation provided   Reviewer 09/XX/2021 01:01 PM;   09/XX/2021     A 1 XXXXXXXXXX VA I 13 D   A   D   A   A   A   C   A     Temporary QM Safe Harbor 1
1243798 XXXXXXXXXX XXXXXXXXXX 6047426 758 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit - PITIA for other REO incorrect/not included in debt ratio   MISSING EVIDENCE OF HOA DUES FOR  xxxxx AVE Received proof of HOA dues of $xxx/month.     09/XX/2021     A 1 XXXXXXXXXX VA I 13 D   A   D   A   A   A   C   A     Temporary QM Safe Harbor 1
1243798 XXXXXXXXXX XXXXXXXXXX 6047434 758 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit - PITIA for other REO incorrect/not included in debt ratio   MISSING MORTGAGE STATEMENTS FOR THE FOLLOWING HELOC & MTG TO VERIFY WHICH PROPERTY IT'S LINKED WITH AND FULL PITIA xxx #, xxx #x, AND xxx #x. You have xxx xxx which are not attached to a property. You must attach them to properties on the liabilities page before you can finish the loan decisioning.  Documentation has been provided.       09/XX/2021     A 1 XXXXXXXXXX VA I 13 D   A   D   A   A   A   C   A     Temporary QM Safe Harbor 1
1243798 XXXXXXXXXX XXXXXXXXXX 6047413 1009 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Debt clarification - Provide explanation regarding the following liability in the file   MISSING PROOF AMOUNT OWED TO THE xxx IN xxxxx OF $xxx AND $xxx HAS BEEN SATISFIED BY BOTH BORROWERS. documentation provided     09/XX/2021     A 1 XXXXXXXXXX VA I 13 D   A   D   A   A   A   C   A     Temporary QM Safe Harbor 1
1243798 XXXXXXXXXX XXXXXXXXXX 6047416 258 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal - Completion Certification   MISSING UPDATED APPRAISAL COMPLETION REPORT (APPRAISAL EXPIRED ON xxx PRIOR TO CLOSING) Appraisal update received.     09/XX/2021     A 1 XXXXXXXXXX VA I 13 D   A   D   A   A   A   C   A     Temporary QM Safe Harbor 1
1243798 XXXXXXXXXX XXXXXXXXXX 6047419 1017 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Profit and Loss required   MISSING P&L STATEMENT FOR BOTH BORROWERS. (INCOME PENDING) Documentation has been provided.       09/XX/2021     A 1 XXXXXXXXXX VA I 13 D   A   D   A   A   A   C   A     Temporary QM Safe Harbor 1
1243804 XXXXXXXXXX XXXXXXXXXX 6046531 433 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Short funds to close   Funds to close are not adequately documented. The 1003 application lists proceeds from a refinance in the amount of $xxx; however, there is not documentation provided for this refinance or to source these funds. document provided for property xxxx with sufficient SOF   Client 09/XX/2021 04:01 PM; Requesting this condition be waived. Per final URLA proceeds from refinance is ($xxx). Closing Disclosure for refinance of property xxx is in file dated 6/XX/21. Cash to borrower was $xxx. This supports source of funds required to be verified per AUS ($xxx).  (see closing disclosure in images pages 1-7.)

 Reviewer 10/XX/2021 06:29 AM; deficiency cleared

 Client 10/XX/2021 10:58 AM; Requesting the final credit decision be changed from suspended to approved with guidelines. Per last auditor's response on 10/XX/21 the deficiency was cleared.

 Reviewer 10/XX/2021 11:16 AM; condition has been cleared		 10/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   A   A   A   A     Exempt 1
1243850 XXXXXXXXXX XXXXXXXXXX 5994276 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   A   A   C   A     Exempt 1
1243850 XXXXXXXXXX XXXXXXXXXX 6045527 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   UW - Second collateral evaluation is required. COMMENT CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Documentation has been provided.       10/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   A   A   C   A     Exempt 1
1243898 XXXXXXXXXX XXXXXXXXXX 5994301 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX TX I 1 D   A   D   A   A   A   C   A     Exempt 1
1243898 XXXXXXXXXX XXXXXXXXXX 6048868 397 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Inquiries not properly addressed   Provide an inquiry letter to address the following inquiry shown on credit report   xxx--- xxx. Received     10/XX/2021     A 1 XXXXXXXXXX TX I 1 D   A   D   A   A   A   C   A     Exempt 1
1243898 XXXXXXXXXX XXXXXXXXXX 6048872 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   Provide explanation as to why YTD income for xxx is lower than 2020 and 2019 income. Received     10/XX/2021     A 1 XXXXXXXXXX TX I 1 D   A   D   A   A   A   C   A     Exempt 1
1243898 XXXXXXXXXX XXXXXXXXXX 6048873 440 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete 1040's   provide 2020 and 2019 1040 personal tax returns for the borrower's to verify net rental income for investment property above. Tax transcripts in loan file however no tax returns. Received   Reviewer 09/XX/2021 06:32 AM; 1040s are missing from submission- please provide 10/XX/2021     A 1 XXXXXXXXXX TX I 1 D   A   D   A   A   A   C   A     Exempt 1
1243924 XXXXXXXXXX XXXXXXXXXX 5990062 988 XXXXXXXXXX Compliance Compliance   Compliance - FNMA or FHLMC UCD report is unsuccessful.   FNMA xxx report is missing in file.     Reviewer 07/XX/2021 05:01 AM; Document provided is not an FNMA UCD Report. Please provide a fully executed FNMA UCD Report. Condition remains open. 07/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   A   A   C   A   A   A     Temporary QM Safe Harbor 1
1243984 XXXXXXXXXX XXXXXXXXXX 6021255 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 3 C   A   A   A   C   A   A   A     Exempt 1
1243984 XXXXXXXXXX XXXXXXXXXX 6021256 920 XXXXXXXXXX Compliance Compliance   Compliance - TRID-Missing Final CD   Borrower signed at closing (xxx) CD is missing in file. Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 3 C   A   A   A   C   A   A   A     Exempt 1
1243984 XXXXXXXXXX XXXXXXXXXX 6021259 875 XXXXXXXXXX Compliance Disclosure   Disclosure - Other:   Occupancy Affidavit is Missing info file. Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 3 C   A   A   A   C   A   A   A     Exempt 1
1244007 XXXXXXXXXX XXXXXXXXXX 6021291 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "xxx" or prior signed by the borrowers. Information Provided     09/XX/2021     A 1 XXXXXXXXXX PA I 1 C   A   A   A   C   A   A   A     Exempt 1
1244007 XXXXXXXXXX XXXXXXXXXX 6068761 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   MISSING UPDATED APPRAISER LICENSE (EXPIRED ON xxx) Documentation has been provided!     09/XX/2021     A 1 XXXXXXXXXX PA I 1 C   A   A   A   C   A   A   A     Exempt 1
1244007 XXXXXXXXXX XXXXXXXXXX 6068800 392 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Debt Clarification   PROVIDE AN EXPLANATION REGARDING MORTGAGEE SHOWING ON HOI DEC PAGE FOR PROPERTY LOCATED AT xxx Information Provided     09/XX/2021     A 1 XXXXXXXXXX PA I 1 C   A   A   A   C   A   A   A     Exempt 1
1244007 XXXXXXXXXX XXXXXXXXXX 6068802 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   MISSING MOST RECENT TAX BILL FOR PROPERTY LOCATED AT  xxx Documentation has been provided.       09/XX/2021     A 1 XXXXXXXXXX PA I 1 C   A   A   A   C   A   A   A     Exempt 1
1244007 XXXXXXXXXX XXXXXXXXXX 6068824 436 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete VOE   MISSING PVOE TO VERIFY 2 YEAR WORK HISTORY Doc provided     09/XX/2021     A 1 XXXXXXXXXX PA I 1 C   A   A   A   C   A   A   A     Exempt 1
1244007 XXXXXXXXXX XXXXXXXXXX 6068826 392 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Debt Clarification   MISSING AN EXPLANATION IF BORROWER HAS OWNERSHIP IN THE PROPERTY LOCATION xxx Documentation has been provided.       09/XX/2021     A 1 XXXXXXXXXX PA I 1 C   A   A   A   C   A   A   A     Exempt 1
1244013 XXXXXXXXXX XXXXXXXXXX 5990380 473 XXXXXXXXXX Credit 4506   4506 - Compliance \ 4506 - Must be signed and dated by borrower(s) at closing   In 4506-C, Must be dated by borrower at the time of closing date.       07/XX/2021     A 1 XXXXXXXXXX UT I 1 C   A   B   A   C   A   C   A     Exempt 1
1244013 XXXXXXXXXX XXXXXXXXXX 5994351 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX UT I 1 C   A   B   A   C   A   C   A     Exempt 1
1244013 XXXXXXXXXX XXXXXXXXXX 6021033 897 XXXXXXXXXX Compliance Compliance   Compliance - TRID CD- Other   In Page 1, Closing Information fields File # must be completed and accurate on CD dated xxx.PCCD is required  with corrections. Provided.     09/XX/2021     A 1 XXXXXXXXXX UT I 1 C   A   B   A   C   A   C   A     Exempt 1
1244013 XXXXXXXXXX XXXXXXXXXX 6021035 968 XXXXXXXXXX Compliance Compliance   Compliance - CD- Fee Charged in Incorrect Section   Title Notary Fee in section B in Final CD dated xxx,however provider name does not match with the provider on the SSPL.Please provide correct PCCD. Provided.     09/XX/2021     A 1 XXXXXXXXXX UT I 1 C   A   B   A   C   A   C   A     Exempt 1
1244013 XXXXXXXXXX XXXXXXXXXX 6021047 968 XXXXXXXXXX Compliance Compliance   Compliance - CD- Fee Charged in Incorrect Section   Title Closing Protection Letter(Lender), Title Document Preparation Fee, Title Lender's Title Insurance, Title Settlement Fee, Title Standard Endorsement in section C in Final CD dated xxx,however provider names match with the provider on the SSPL. Please provide correct PCCD. Provided.     09/XX/2021     A 1 XXXXXXXXXX UT I 1 C   A   B   A   C   A   C   A     Exempt 1
1244027 XXXXXXXXXX XXXXXXXXXX 5990437 397 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Inquiries not properly addressed   The inquiries on xxx by xxx/xxx were not included on the credit inquiry letter. document received     07/XX/2021     A 1 XXXXXXXXXX OR I 3 B   A   B   A   A   A   A   A     Exempt 1
1258248 XXXXXXXXXX XXXXXXXXXX 6117807 884 09/XX/2021 Compliance Compliance   Compliance - Pending Internal completion of compliance fee tests.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 05/XX/2021 TN I 13 A   B   A   A   A   B   A   A     Temporary QM Safe Harbor 1
1258248 XXXXXXXXXX XXXXXXXXXX 6117808 898 09/XX/2021 Compliance Compliance   Compliance - TRID- Fee Tolerance Violation   ***CLEARED IN ERROR***  Tolerance exceeded by $xxx due to the increase in lenders title policy and the addition of the deed prep fee, please provide proof of refund, LOX and PCCD reflecting the cure Information Provided   Reviewer 09/XX/2021 10:15 AM; Rec'd PCCD and lox.  Still need copy of check for proof of refund.   09/XX/2021   B 2 05/XX/2021 TN I 13 A   B   A   A   A   B   A   A     Temporary QM Safe Harbor 1
1258248 XXXXXXXXXX XXXXXXXXXX 6122652 1061 09/XX/2021 Compliance Compliance   Compliance - TRID Fee Tolerance Violation cured more than 60 days post consummation       Per SFA scope, remediation for good faith fee tolerance violation made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2 Reviewer 09/XX/2021 03:49 PM; Per SFA scope, remediation for good faith fee tolerance violation made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2     09/XX/2021 B 2 05/XX/2021 TN I 13 A   B   A   A   A   B   A   A     Temporary QM Safe Harbor 1
1258248 XXXXXXXXXX XXXXXXXXXX 6056585 986 08/XX/2021 Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "xxx" or prior signed by the borrowers. Information Provided     09/XX/2021     A 1 05/XX/2021 TN I 13 A   B   A   A   A   B   A   A     Temporary QM Safe Harbor 1
1258248 XXXXXXXXXX XXXXXXXXXX 6061707 884 08/XX/2021 Compliance Compliance   Compliance - Pending Internal completion of compliance fee tests.  Additional conditions may apply.           09/XX/2021     A 1 05/XX/2021 TN I 13 A   B   A   A   A   B   A   A     Temporary QM Safe Harbor 1
1258248 XXXXXXXXXX XXXXXXXXXX 6061708 898 08/XX/2021 Compliance Compliance   Compliance - TRID- Fee Tolerance Violation   Tolerance exceeded by $xxx due to the increase in lenders title policy and the addition of the deed prep fee, please provide proof of refund, LOX and PCCD reflecting the cure         09/XX/2021   B 2 05/XX/2021 TN I 13 A   B   A   A   A   B   A   A     Temporary QM Safe Harbor 1
1258268 XXXXXXXXXX XXXXXXXXXX 6050200 953 XXXXXXXXXX Compliance Client   Client - Seasoned loan. Updated Pay History will be required prior to purchase in order to clear this condition.           07/XX/2021     A 1 XXXXXXXXXX VA I 13 A   A   A   A   A   A   A   A     Temporary QM Safe Harbor 1
1258268 XXXXXXXXXX XXXXXXXXXX 6071936 326 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Evidence Satisfaction of Debt   Per UW xxxx notes, subject loan was closing simultaneously with a refinance of the borrowers' primary residence. Based on the Fraud Report, the loan for xxx closed with a Note date of xxxx, in the amount of $xxx, Loan # ending-xxx, app date of xxx, and a stated payment on AUS/Final 1003 of $xxx/mo; however, there was nothing in the file which confirmed the omission of the xxx-xxx loan with a pmt/bal of $xxx/$xxx as required in addition to confirming the new payment, balance, and terms of the new loan-xxx. received     09/XX/2021     A 1 XXXXXXXXXX VA I 13 A   A   A   A   A   A   A   A     Temporary QM Safe Harbor 1
1258268 XXXXXXXXXX XXXXXXXXXX 6071943 320 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Other   Per FNMA LL-xxx-xxx-Age of Documents, for all applications dated after xxx (and thru xxx) income and asset documentation must be dated within 60 days of the Note date. Per the AUS and final 1003 for xxx, the xxxx   with an $xx balance as of xxx was expired on x/x/x, which was prior to closing. xxx stmt has sufficient assets to close   Client 09/XX/2021 12:45 PM; xxx statement dated xxx $x,x covers more than the required reserves

 Reviewer 09/XX/2021 03:39 PM; xxx statement provided not the current xxxx #xxxx that was previously requested (statement had expired which was prior to closing).  

 Reviewer 09/XX/2021 xxxx; condition amended

 Client 09/XX/2021 04:05 PM; DU only required total funds to be verified of $xxx. All other funds were in excess and not required to be verified by DU. xxxx assets are sufficient to meet the required $xxx in reserves; additional verification of the xxxx accounts is not required.

 Reviewer 09/XX/2021 08:22 AM; deficiency cleared 		09/XX/2021     A 1 XXXXXXXXXX VA I 13 A   A   A   A   A   A   A   A     Temporary QM Safe Harbor 1
1258268 XXXXXXXXXX XXXXXXXXXX 6071947 440 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete 1040's   Per FNMA guidelines surrounding the use of rental income to qualify, for properties owned for >1 year, any income calculations must be done using Sch E of the most recent tax returns. As this property has been owned since 2014, Sch E - and not the rent reflected on the 1007 as only confirmed verbally to the appraiser - should have been used to properly calculate the rental income. In the event the subject property has not been rented for an entire calendar year, then a fully executed lease agreement confirming/supporting what was shown on Form 1007 could have also been used to validate the $xxx rental income used for qualification. Documentation has been provided.       09/XX/2021     A 1 XXXXXXXXXX VA I 13 A   A   A   A   A   A   A   A     Temporary QM Safe Harbor 1
1258322 XXXXXXXXXX XXXXXXXXXX 6050464 897 XXXXXXXXXX Compliance Compliance   Compliance - TRID CD- Other   There are 2 CD's in file issued on (xxx) and signed on closing date (xxx). Please provide LOX as to which CD is the Final CD.     Reviewer 08/XX/2021 10:03 AM; outstanding 08/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   C   A   A   A     Exempt 1
1258322 XXXXXXXXXX XXXXXXXXXX 6050465 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           08/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   C   A   A   A     Exempt 1
1258322 XXXXXXXXXX XXXXXXXXXX 6050466 771 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Inquiry Letter in file addressing all inquiries within the last 90 days   Conditions Missing LOE for 3 inquires within 90 days Form xxx (xxx), xxx (xxx) and xxx (xxx)       07/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   C   A   A   A     Exempt 1
1258322 XXXXXXXXXX XXXXXXXXXX 6056291 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "xxx" or prior signed by the borrowers. Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   C   A   A   A     Exempt 1
1258325 XXXXXXXXXX XXXXXXXXXX 6055281 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) CDA received and within tolerance     10/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   C   A   A   A     Exempt 1
1258325 XXXXXXXXXX XXXXXXXXXX 6050477 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "xxx" or prior signed by the borrowers.       07/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   C   A   A   A     Exempt 1
1258325 XXXXXXXXXX XXXXXXXXXX 6050478 953 XXXXXXXXXX Compliance Client   Client - Seasoned loan. Updated Pay History will be required prior to purchase in order to clear this condition.           08/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   C   A   A   A     Exempt 1
1258362 XXXXXXXXXX XXXXXXXXXX 6056566 862 XXXXXXXXXX Compliance Deed of Trust/Mortgage   Deed of Trust/Mortgage - Other:   Consummation date is missing on Mortgage page 15. A letter of intent is also required to correct and re-record Mortgage Information Provided   Reviewer 09/XX/2021 12:38 PM; Corrected DOT provided, still need LOI to re-record. Please provide. 09/XX/2021     A 1 XXXXXXXXXX SC I 3 A   A   A   A   A   A   A   A     Exempt 1
1258374 XXXXXXXXXX XXXXXXXXXX 6068577 438 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing pay stub   Paystubs were not provided from the County of XXXXXX to support monthly income of $xxx for XXXXXX XXXXXX Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 A   A   A   A   A   A   A   A     Exempt 1
1258374 XXXXXXXXXX XXXXXXXXXX 6068591 314 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Assets - AUS Validation   Most recent 2 months asset statements were not provided as indicated on the DU findings; Per DU Findings borrowers available assets totals $xxx Documentation has been provided.     09/XX/2021     A 1 XXXXXXXXXX CA I 3 A   A   A   A   A   A   A   A     Exempt 1
1258374 XXXXXXXXXX XXXXXXXXXX 6068644 380 XXXXXXXXXX Credit UW Other   UW Other - UW - Lease Agreements   Fully executed lease agreement was not provided for the subject property to show monthly rent of $xxx Borrower tax returns provided instead of lease agreement as well as rental income calculator.  Condition has been cleared.        09/XX/2021     A 1 XXXXXXXXXX CA I 3 A   A   A   A   A   A   A   A     Exempt 1
1258385 XXXXXXXXXX XXXXXXXXXX 6067613 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) CDA received within tolerance     10/XX/2021     A 1 XXXXXXXXXX WA I 1 A   A   A   A   A   A   A   A     Exempt 1
1258385 XXXXXXXXXX XXXXXXXXXX 6069365 433 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Short funds to close   File is short total funds to close. Estimated funds to close are $xxx and UW has calculated maximum allowable funds to close as $xxx. This includes required reserves of $xxx. This leaves a shortage of $xxx. Provide additional assets or evidenceOF cash to close. Documentation has been provided.       09/XX/2021     A 1 XXXXXXXXXX WA I 1 A   A   A   A   A   A   A   A     Exempt 1
1258394 XXXXXXXXXX XXXXXXXXXX 6053599 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 3 D   A   D   A   A   A   C   A     Exempt 1
1258394 XXXXXXXXXX XXXXXXXXXX 6069027 1017 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Profit and Loss required   are missing for XXXXX XXXX business P&L provided.   Reviewer 09/XX/2021 02:00 PM; P&L provided however doesn't address business name.  

 Reviewer 09/XX/2021 09:28 AM; Provide P&L with business name		 09/XX/2021     A 1 XXXXXXXXXX TX I 3 D   A   D   A   A   A   C   A     Exempt 1
1258394 XXXXXXXXXX XXXXXXXXXX 6069028 440 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete 1040's   Full 2019 personal tax returns are missing. Documentation has been provided.       09/XX/2021     A 1 XXXXXXXXXX TX I 3 D   A   D   A   A   A   C   A     Exempt 1
1258405 XXXXXXXXXX XXXXXXXXXX 6056432 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 3 A   A   A   A   A   A   A   A     Exempt 1
1258405 XXXXXXXXXX XXXXXXXXXX 6056429 894 XXXXXXXXXX Compliance Compliance   Compliance - TRID LE- Other   Need evidence borrower received LE dated xxx, 4 days prior to the consummation. Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 3 A   A   A   A   A   A   A   A     Exempt 1
1258405 XXXXXXXXXX XXXXXXXXXX 6056430 895 XXXXXXXXXX Compliance Compliance   Compliance - TRID CD- Need proof CD was received 3 days prior to consummation   Need proof Initial CD(xxx) was received 3 days prior to consummation(xxx). Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 3 A   A   A   A   A   A   A   A     Exempt 1
1258405 XXXXXXXXXX XXXXXXXXXX 6056431 897 XXXXXXXXXX Compliance Compliance   Compliance - TRID CD- Other   Need payment history reflecting the principal reduction amount $xxx PR is reflected on Pay History     09/XX/2021     A 1 XXXXXXXXXX TX I 3 A   A   A   A   A   A   A   A     Exempt 1
1258414 XXXXXXXXXX XXXXXXXXXX 6056468 960 XXXXXXXXXX Credit Closing Package   Closing Package - IEADS Initial Escrow Account Disclosure Other   xxx ($xxx) is not matching With final CD ($xxx) Information Provided     09/XX/2021     A 1 XXXXXXXXXX TN I 3 A   A   A   A   A   A   A   A     Exempt 1
1258428 XXXXXXXXXX XXXXXXXXXX 6064821 884 XXXXXXXXXX Compliance Compliance   Compliance - Pending Internal completion of compliance fee tests.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX FL I 13 A   A   A   A   A   A   A   A     Temporary QM Safe Harbor 1
1258428 XXXXXXXXXX XXXXXXXXXX 6064822 898 XXXXXXXXXX Compliance Compliance   Compliance - TRID- Fee Tolerance Violation   Tolerance exceeded by $xxx due to the increase in appraisal with no valid COC, the CD cured $xxx, still need the remaining $xxx along with proof of refund, LOX and PCCD reflecting the full cure Information Provided     09/XX/2021     A 1 XXXXXXXXXX FL I 13 A   A   A   A   A   A   A   A     Temporary QM Safe Harbor 1
1258434 XXXXXXXXXX XXXXXXXXXX 6050844 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   Missing FNMA 1007 / FNMA 216.  If the borrower is not using any rental income from the subject property to qualify, the gross monthly rent must still be documented for lender reporting purposes. A 1008 with rental comments was uploaded 7/xx.     08/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   A   A     Exempt 1
1258434 XXXXXXXXXX XXXXXXXXXX 6066009 434 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Shorts Funds for Reserves   No asset statements are in file supporting sufficient assets for reserves. Documentation has been provided.     Client 09/XX/2021 04:01 PM; The assets in the xxxx retirement statement dated 5/xx that were in the file are sufficient to meet the reserves requirement.  No additional asset documents are required.  The statement has been uploaded again.

 Reviewer 09/XX/2021 05:31 PM; condition cleared		 09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   A   A     Exempt 1
1258434 XXXXXXXXXX XXXXXXXXXX 6066088 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Documentation is missing for this other debt included in the ratios of $xxx with a balance of $xxx. Once obtained, need to be added back in the ratios. received   XXXXXX 09/XX/2021 04:11 PM; The $xxx included in debt is the PITI for subject property.  The issue is that DU must be resubmitted with the PITI as Subj Neg Cash Flow (DU finding #26) instead of including it in All Other Payments.

 Reviewer 09/XX/2021 05:32 PM; condition cleared		 09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   A   A     Exempt 1
1258434 XXXXXXXXXX XXXXXXXXXX 6066094 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide a full copy of divorce decree Documentation has been provided.     XXXXXX 09/XX/2021 03:51 PM; Out of scope.  A full copy of a divorce decree is not required.  Per DU finding #15, the payment and number of months remaining can be documented with ". . . any other written legal agreement."  The court order in the file shows that borrower is to pay $xxx/mo for spousal support which shall continue until further order of the court.  In addition, the pay stubs show $xxx Support is being deducted bi-weekly which is $xxx/mo.  The court order has been uploaded aga

 Reviewer 09/XX/2021 05:30 PM; condition cleared		 09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   A   A     Exempt 1
1258437 XXXXXXXXXX XXXXXXXXXX 6050858 978 XXXXXXXXXX Compliance Application   Application - Demographic Addendum - Missing or Incomplete   Demographic Addendum incomplete for Borrower and CoBorrower.       08/XX/2021     A 1 XXXXXXXXXX WA I 3 B   A   A   A   B   A   A   A     Exempt 1
1258437 XXXXXXXXXX XXXXXXXXXX 6056223 9 XXXXXXXXXX Credit Application   Application - is missing   Initial Application is missing in file. Information Provided     09/XX/2021     A 1 XXXXXXXXXX WA I 3 B   A   A   A   B   A   A   A     Exempt 1
1258437 XXXXXXXXXX XXXXXXXXXX 6056224 891 XXXXXXXXXX Compliance Compliance   Compliance - TRID LE-  Initial LE not disclosed within 3 days of Application   Initial LE is missing within 3 days of Loan Application. Information Provided     09/XX/2021     A 1 XXXXXXXXXX WA I 3 B   A   A   A   B   A   A   A     Exempt 1
1258437 XXXXXXXXXX XXXXXXXXXX 6056225 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX WA I 3 B   A   A   A   B   A   A   A     Exempt 1
1258437 XXXXXXXXXX XXXXXXXXXX 6056226 970 XXXXXXXXXX Compliance Compliance   Compliance - CD- Missing   Missing Initial CD issued and received by borrower 3 days prior to consummation. Information Provided     09/XX/2021     A 1 XXXXXXXXXX WA I 3 B   A   A   A   B   A   A   A     Exempt 1
1258437 XXXXXXXXXX XXXXXXXXXX 6057689 875 XXXXXXXXXX Compliance Disclosure   Disclosure - Other:   Borrower's Intent to Proceed with Application is missing in file. Information Provided     09/XX/2021     A 1 XXXXXXXXXX WA I 3 B   A   A   A   B   A   A   A     Exempt 1
1258437 XXXXXXXXXX XXXXXXXXXX 6067752 331 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income - AUS Validation   Evidence of $xxx as the total monthly income per the AUS in file and evidence of the total net rental income.  Net rental income was calculated at $xxx for the subject property using the 2020 tax return information. Docs received   Client 09/XX/2021 07:54 AM; All income documents are on file for review.

 Reviewer 09/XX/2021 11:00 AM; 1008 provided reflects rental income of $xxx with no documentation provided. total rental income is $xxx with total all income of $xxx.

 Reviewer 09/XX/2021 11:03 AM; condition amended

 Reviewer 09/XX/2021 12:10 PM; New 1008 provided shows rental income of $xxx and total income of $xxx.  It does not match new LP#6 provided.  Unable to determine actual income.

 Reviewer 09/XX/2021 11:15 AM; 1008 provided has correct rental income of $xxx per AUS however total income is $xxx. AUS shows $xxx.		 09/XX/2021     A 1 XXXXXXXXXX WA I 3 B   A   A   A   B   A   A   A     Exempt 1
1258445 XXXXXXXXXX XXXXXXXXXX 6071686 320 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Other   xxxxx xxxxxx statement for account ending xxxxx dated xxx is missing pages 1-14 and 20-36 Documentation has been provided.       09/XX/2021     A 1 XXXXXXXXXX TX I 1 A   A   A   A   A   A   A   A     Exempt 1
1258445 XXXXXXXXXX XXXXXXXXXX 6071682 318 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Source of Large Deposit   xxx-$xxx into xxxxxx checking account ending xxxxx was not sourced received   Client 09/XX/2021 12:21 PM; Large deposit has been removed from assets and resubmitted. 




 Reviewer 09/XX/2021 12:12 PM; condition cleared		 09/XX/2021     A 1 XXXXXXXXXX TX I 1 A   A   A   A   A   A   A   A     Exempt 1
1258448 XXXXXXXXXX XXXXXXXXXX 6064724 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Mortgage note and final closing disclosures were not provided for recent refinanced properties located at xxx;  xxx & xxx; xxx; xxx Docs received     09/XX/2021     A 1 XXXXXXXXXX VA I 3 A   A   A   A   A   A   A   A     Exempt 1
1258448 XXXXXXXXXX XXXXXXXXXX 6064714 1010 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Debt clarification - Provide explanation for ommission of debt from AUS   Documentation for omitting the following mortgages were not provided; xxx account ending xxxxx; xxx account ending xxxxx; xxx account ending xxxxx; xxx account ending xxxxx Received Notes and CD's for refinanced properties.   Reviewer 09/XX/2021 04:03 PM; LOE not provided 10/XX/2021     A 1 XXXXXXXXXX VA I 3 A   A   A   A   A   A   A   A     Exempt 1
1258457 XXXXXXXXXX XXXXXXXXXX 6050979 953 07/XX/2021 Compliance Client   Client - Seasoned loan. Updated Pay History will be required prior to purchase in order to clear this condition.         Reviewer 07/XX/2021 09:07 AM; need updated PH when all stips are cleared 08/XX/2021     A 1 04/XX/2021 VA I 3 C   B   A   A   A   A   C   B   Exempt 1
1258457 XXXXXXXXXX XXXXXXXXXX 6070410 1108 08/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Loan originated with PIW. (Internal condition only - No action required by Correspondent) AVM received and within tolerance     08/XX/2021     A 1 04/XX/2021 VA I 3 C   B   A   A   A   A   C   B   Exempt 1
1258457 XXXXXXXXXX XXXXXXXXXX 6204453 272 10/XX/2021 Valuation UW Collateral   UW Collateral - UW - Appraisal Other   Loan qualified using PIW.   PIW is acceptable, no additional concerns.       10/XX/2021 B 2 04/XX/2021 VA I 3 C   B   A   A   A   A   C   B   Exempt 1
1258488 XXXXXXXXXX XXXXXXXXXX 6057016 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX GA I 3 C   A   C   A   C   A   A   A     Exempt 1
1258488 XXXXXXXXXX XXXXXXXXXX 6051167 6 XXXXXXXXXX Credit Application   Application - Completed, signed, final application for all applicant not in file   Final signed loan application was not found in Closing Package.       08/XX/2021     A 1 XXXXXXXXXX GA I 3 C   A   C   A   C   A   A   A     Exempt 1
1258488 XXXXXXXXXX XXXXXXXXXX 6051170 840 XXXXXXXXXX Compliance Disclosure   Disclosure - HPML- need evidence of rate lock date with borrower   Required for ULDD Data Discrepancy Per file documents rate lock date is xxx. This rate lock date does not match the rate lock date on UCD.  We are unable to view this information on the UCD in file, Please provide documentation as to what the rate lock date is that was used on the FNMA UCD (per ULDD edit The Current Rate Set Date in UCD must equal the Price Lock Date) OR please provide updated UCD with xxx rate lock date if this is correct, because there are now 2 dates in the file you will have to advise which one is correct, if you correct the UCD.       08/XX/2021     A 1 XXXXXXXXXX GA I 3 C   A   C   A   C   A   A   A     Exempt 1
1258488 XXXXXXXXXX XXXXXXXXXX 6057015 894 XXXXXXXXXX Compliance Compliance   Compliance - TRID LE- Other   No LE's in file. Information Provided     09/XX/2021     A 1 XXXXXXXXXX GA I 3 C   A   C   A   C   A   A   A     Exempt 1
1258494 XXXXXXXXXX XXXXXXXXXX 6059925 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "xxx" or prior signed by the borrower. Information Provided   Client 09/XX/2021 10:23 AM; Please review evidence of E-consent uploaded for this loan to clear this finding.  Thank you.

 Reviewer 09/XX/2021 12:43 PM; Hello,
 Docs will be reviewed shortly.  Thank you!

 Reviewer 09/XX/2021 01:58 PM; 		09/XX/2021     A 1 XXXXXXXXXX NJ I 1 A   A   A   A   A   A   A   A     Exempt 1
1258494 XXXXXXXXXX XXXXXXXXXX 6067614 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) CDA received within tolerance     10/XX/2021     A 1 XXXXXXXXXX NJ I 1 A   A   A   A   A   A   A   A     Exempt 1
1258500 XXXXXXXXXX XXXXXXXXXX 6069502 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide verification of mortgage on the property located at xxx verifying the monthly payment of $xxx received   Reviewer 09/XX/2021 08:41 AM; did not receive

 Client 09/XX/2021 07:56 AM; Monthly amount referenced reflects only the P&I. Taxes and insurance were additionally used to qualify. Mortgage statement in file reflects total payment of $xxx, which breaks down as P&I xxx and Tax escrow $xxx with no escrow for insurance. Loan was qualified with P&I of xxx, Taxes of $xxx and Insurance of  $xxx for a total payment of $xxx based on the tax cert and binder in file for the property. The total payment based on the statement in f

 Reviewer 09/XX/2021 11:18 AM; condition cleared		 09/XX/2021     A 1 XXXXXXXXXX MA I 1 A   A   A   A   A   A   A   A     Exempt 1
1258500 XXXXXXXXXX XXXXXXXXXX 6069504 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide mortgage statement for the property located at xxx supporting mortgage payment of $xxx per month received   Client 09/XX/2021 04:06 PM; Please review uploaded mortgage statement for xxx to clear this finding.  Thank you.

 Reviewer 09/XX/2021 08:41 AM; condition amended		 09/XX/2021     A 1 XXXXXXXXXX MA I 1 A   A   A   A   A   A   A   A     Exempt 1
1258500 XXXXXXXXXX XXXXXXXXXX 6069507 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide mortgage statement for the property located at xxx received   Client 09/XX/2021 04:04 PM; Please review uploaded Closing Disclosure for loan on xxx.  The payments match the credit report for xxx #xxx.  Please clear this finding.  Thank you.

 Reviewer 09/XX/2021 08:40 AM; condition cleared		 09/XX/2021     A 1 XXXXXXXXXX MA I 1 A   A   A   A   A   A   A   A     Exempt 1
1258500 XXXXXXXXXX XXXXXXXXXX 6067615 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) cda received within tolerance     10/XX/2021     A 1 XXXXXXXXXX MA I 1 A   A   A   A   A   A   A   A     Exempt 1
1270951 XXXXXXXXXX XXXXXXXXXX 6106791 7 XXXXXXXXXX Credit Application   Application - Completed, signed, initial application for all applicant not in file   Initial application is not sign by Lo       06/XX/2021     A 1 XXXXXXXXXX TX I 3 C   A   C   A   N/A A   A   A     Exempt 1
1270951 XXXXXXXXXX XXXXXXXXXX 6106792 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent from "xxx" or prior signed by the borrower"       06/XX/2021     A 1 XXXXXXXXXX TX I 3 C   A   C   A   N/A A   A   A     Exempt 1
1270951 XXXXXXXXXX XXXXXXXXXX 6106794 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           06/XX/2021     A 1 XXXXXXXXXX TX I 3 C   A   C   A   N/A A   A   A     Exempt 1
1270951 XXXXXXXXXX XXXXXXXXXX 6117323 875 XXXXXXXXXX Compliance Disclosure   Disclosure - Other:   MISSING please provide Privacy Noticee Privacy Notice Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 3 C   A   C   A   N/A A   A   A     Exempt 1
1270951 XXXXXXXXXX XXXXXXXXXX 6122959 29 XXXXXXXXXX Valuation Appraisal   Appraisal - is missing   Appraisal correction required.  It says OOC, however this is an investment property. Correct appraisal reflects invest property and tenant occupied.     09/XX/2021     A 1 XXXXXXXXXX TX I 3 C   A   C   A   N/A A   A   A     Exempt 1
1270951 XXXXXXXXXX XXXXXXXXXX 6106795 475 XXXXXXXXXX Compliance Application   Application - Compliance \ Application - Initial application signed and dated by all borrower's, loan officer and interviewer.   Required for ULDD Data Discrepancy Initial loan application is not dated by LO.       06/XX/2021     A 1 XXXXXXXXXX TX I 3 C   A   C   A   N/A A   A   A     Exempt 1
1270951 XXXXXXXXXX XXXXXXXXXX 6106796 320 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Other   Closing Disclosure from purchase of new primary residence to verify amount of assets used for closing. Need to verify sufficient assets are left for reserves on refinance of this property. CD shows $xxx cash to close. Borrower had sufficient assets.     09/XX/2021     A 1 XXXXXXXXXX TX I 3 C   A   C   A   N/A A   A   A     Exempt 1
1270951 XXXXXXXXXX XXXXXXXXXX 6106797 1010 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Debt clarification - Provide explanation for ommission of debt from AUS   Documentation to support xxxxxxxxx acct xxxx with $xxx balance is paid in full. Client rebuttal: The borrower has $xxx in assets &#xxx; $xxx (amount the borrower had to bring to closing ) - $xxx (the amount of the xxxxx account) = $xxx left in assets which means they have at least 2 months in reserves after everything is paid.    The borrower has sufficient funds to make that payment, to close and still has reserves left over.   Reviewer 06/XX/2021 05:34 AM; CD shows $xxx payment. Does not match balance on credit report. Provide proof of additional payment

 Reviewer 07/XX/2021 12:10 PM; Missing source of payment for the $xxx.		 09/XX/2021     A 1 XXXXXXXXXX TX I 3 C   A   C   A   N/A A   A   A     Exempt 1
1270951 XXXXXXXXXX XXXXXXXXXX 6106798 758 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit - PITIA for other REO incorrect/not included in debt ratio   Closing Disclosure with xxx note date to verify PITIA and amount of assets used for the purchase of xxxxxxxxxxxxxx Information Provided   Reviewer 06/XX/2021 05:34 AM; Missing taxes, insurance, and HOA. CD does not show escrows

 Reviewer 06/XX/2021 05:32 AM; Taxes $xxx AND hoi $xxx, no HOA		 09/XX/2021     A 1 XXXXXXXXXX TX I 3 C   A   C   A   N/A A   A   A     Exempt 1
1270951 XXXXXXXXXX XXXXXXXXXX 6106801 891 XXXXXXXXXX Compliance Compliance   Compliance - TRID LE-  Initial LE not disclosed within 3 days of Application         Reviewer 06/XX/2021 07:19 AM; Initial application is dated 3/xxx.  Only LE in file is dated 4/xx.  Need initial LE issued within 3 days of 3/xx application date. 06/XX/2021     A 1 XXXXXXXXXX TX I 3 C   A   C   A   N/A A   A   A     Exempt 1
1270954 XXXXXXXXXX XXXXXXXXXX 6106837 313 XXXXXXXXXX Credit AUS   AUS - UW - AUS Other   Per AUS #13 evidence of rents received required. Provide evidence of rents received via bank statement, cancelled checks or third party property management. Lease and evidence of rental payments have been uploaded.   Reviewer 06/XX/2021 08:10 AM; Incorrect request - Per AUS #13 is requesting verification of rental housing expense in the amount of $xxx for residence at xxx. This deficiency was previously waived in error.  Please provide evidence of rental history as required.

 Reviewer 06/XX/2021 05:53 PM;    Received Lease for $xxx/month and bank statements evidencing xxxpayments for $xxx for xxx 2021, xxx 2021, xxx 2021, $600 for xxx 2020 and $405 for xxx 2020. Six consecutive months of rent payments are required. Please also provide property profile to document owner of record is xxx.         		 09/XX/2021     A 1 XXXXXXXXXX NY I 13 C   A   C   A   N/A A   A   A     Temporary QM Safe Harbor 1
1270954 XXXXXXXXXX XXXXXXXXXX 6106839 327 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Satisfactory 12 mth Rental   AUS #13 Copy of lease for primary residence provided but copies of 2 months cancelled checks are not. 2019 & 2020 tax returns with sch E found in the loan file.     09/XX/2021     A 1 XXXXXXXXXX NY I 13 C   A   C   A   N/A A   A   A     Temporary QM Safe Harbor 1
1270954 XXXXXXXXXX XXXXXXXXXX 6127017 884 XXXXXXXXXX Compliance Compliance   Compliance - Pending Internal completion of compliance fee tests.  Additional conditions may apply.     Information Provided     10/XX/2021     A 1 XXXXXXXXXX NY I 13 C   A   C   A   N/A A   A   A     Temporary QM Safe Harbor 1
1270954 XXXXXXXXXX XXXXXXXXXX 6127146 898 XXXXXXXXXX Compliance Compliance   Compliance - TRID- Fee Tolerance Violation   xxx$ Tolerance exceeded by $xxx due to the increase in closing and recording fee, please provide proof of refund, LOX and PCCD reflecting the cure within 60 days of consummation Information Provided   Client 10/XX/2021 12:18 PM; Please provide breakdown of the cure. How did this come to be. Please advise.

 Reviewer 10/XX/2021 07:51 AM;

 Reviewer 10/XX/2021 01:04 PM; Hello,
 The cema atty fee was not included on the initial LE and then added later.  Also, the recording fee on the initial LE is $xxx and final CD reflects $xxx.  With these 2 fees that is where the $xxx fail is coming from.  
Thank you, 
xxx

 Reviewer 10/XX/2021 09:19 AM; Escalated 		10/XX/2021     A 1 XXXXXXXXXX NY I 13 C   A   C   A   N/A A   A   A     Temporary QM Safe Harbor 1
1270960 XXXXXXXXXX XXXXXXXXXX 6141863 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX KS I 3 C   A   A   A   A   A   C   A     Exempt 1
1270983 XXXXXXXXXX XXXXXXXXXX 6127873 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   UW Collateral TPR UW - Second collateral evaluation is required. COMMENT No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   A   A   C   A     Temporary QM Safe Harbor 1
1270983 XXXXXXXXXX XXXXXXXXXX 6141872 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   A   A   C   A     Temporary QM Safe Harbor 1
1270997 XXXXXXXXXX XXXXXXXXXX 6141878 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   A   A   A   A   C   A     Safe Harbor QM (APOR) 1
1271000 XXXXXXXXXX XXXXXXXXXX 6107155 351 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW - DTI exceeds maximum limit   DTI exceeds maximum limit COMMENT No rental income used to offset primary residence or xxxxxxxxxxxx rental property. DTI including PTITA for primary residence, subject property, other rental property and other monthly obligations is xxx% as submitted and out of acceptable FNMA tolerance. Per AUS Verification/Approval Conditions - Net Cash Flow for the subject property input as $xxx therefore ratio calculations may be inaccurate as input.     Reviewer 06/XX/2021 12:10 PM; Appraisal rents verified $xxx less 25%=$xxx less PITI $xxx=$-xxx bringing back ratio from 33.78%to 36.95% which is outside of tolerances. 07/XX/2021     A 1 XXXXXXXXXX FL I 13 C   A   C   A   N/A A   A   A     Temporary QM Safe Harbor 1
1271017 XXXXXXXXXX XXXXXXXXXX 6107257 378 XXXXXXXXXX Credit UW Other   UW Other - UW - Initial/Final 1003 incomplete/missing   Final 1003 missing; Application in original loan package     09/XX/2021     A 1 XXXXXXXXXX RI I 3 D   A   D   A   A   A   C   A     Exempt 1
1271017 XXXXXXXXXX XXXXXXXXXX 6141884 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX RI I 3 D   A   D   A   A   A   C   A     Exempt 1
1271020 XXXXXXXXXX XXXXXXXXXX 6141886 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX FL I 1 C   A   A   A   A   A   C   A     Exempt 1
1271023 XXXXXXXXXX XXXXXXXXXX 6124096 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Second collateral evaluation is required. CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX IN I 1 C   A   C   A   C   A   A   A     Exempt 1
1271023 XXXXXXXXXX XXXXXXXXXX 6141888 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX IN I 1 C   A   C   A   C   A   A   A     Exempt 1
1271046 XXXXXXXXXX XXXXXXXXXX 6107465 263 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Addendum Required   Missing corrected appraisal to state no physical or adverse conditions or provide missing comments on the addendum report.       07/XX/2021     A 1 XXXXXXXXXX TX I 13 C   A   C   A   A   A   C   A     Temporary QM Safe Harbor 1
1271046 XXXXXXXXXX XXXXXXXXXX 6107466 374 XXXXXXXXXX Credit UW Other   UW Other - UW - Evidence of legal residency   missing copy of permanent resident alien card as declared on 1003 or a copy of current visa and EAD card as required on AUS document received     08/XX/2021     A 1 XXXXXXXXXX TX I 13 C   A   C   A   A   A   C   A     Temporary QM Safe Harbor 1
1271046 XXXXXXXXXX XXXXXXXXXX 6107467 1015 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - IRS Transcripts required   Missing tax transcripts for 2019 and 2020. document rec'd     07/XX/2021     A 1 XXXXXXXXXX TX I 13 C   A   C   A   A   A   C   A     Temporary QM Safe Harbor 1
1271049 XXXXXXXXXX XXXXXXXXXX 6107486 879 XXXXXXXXXX Compliance Application   Application - Other:   NEW URLA FORM REQUIRED     Reviewer 07/XX/2021 08:25 AM; initial application was taken prior to 3/xx which requires the new URLA 1003 Form 08/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   C   A   A   A     Exempt 1
1271063 XXXXXXXXXX XXXXXXXXXX 6107555 339 XXXXXXXXXX Credit UW Other   UW Other - UW - Data Input Error   Underwriter unable to locate FNMA UCD Case Number document received     08/XX/2021     A 1 XXXXXXXXXX MO I 1 C   A   C   A   A   A   C   A     Exempt 1
1271063 XXXXXXXXXX XXXXXXXXXX 6141899 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX MO I 1 C   A   C   A   A   A   C   A     Exempt 1
1271066 XXXXXXXXXX XXXXXXXXXX 6107563 325 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Net Rental Income Incorrect   Subject property PITIA offset with rental income calculated at xxx% of leased amount for net negative ($xxx) = submitted.  Property was purchased in 2017, reason for not using 2019/2020 Sched E data for rental calculation is not provided;       07/XX/2021     A 1 XXXXXXXXXX UT I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1271080 XXXXXXXXXX XXXXXXXXXX 6126382 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   A   A   A   A   C   A     Exempt 1
1271083 XXXXXXXXXX XXXXXXXXXX 6107686 90 XXXXXXXXXX Credit Credit Report   Credit Report - is missing   Credit report with reference number (xxxxxxxx) is missing in the file.       07/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   C   A   C   A   A   A     Exempt 1
1271086 XXXXXXXXXX XXXXXXXXXX 6107705 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           08/XX/2021     A 1 XXXXXXXXXX CO I 1 C   A   A   A   C   A   A   A     Exempt 1
1271086 XXXXXXXXXX XXXXXXXXXX 6107706 975 XXXXXXXXXX Compliance Compliance   Compliance - CD- Payee Name missing or incorrect   Payee name is Incorrect for "State Tax/Stamps" in section E on CD dated xxx. Please Provide correct PCCD With Correction.       08/XX/2021     A 1 XXXXXXXXXX CO I 1 C   A   A   A   C   A   A   A     Exempt 1
1271106 XXXXXXXXXX XXXXXXXXXX 6127106 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only- No action required by the Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX NV I 13 C   A   A   A   A   A   C   A     Exempt 1
1271120 XXXXXXXXXX XXXXXXXXXX 6135243 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 3 C   A   A   A   A   A   C   A     Exempt 1
1271120 XXXXXXXXXX XXXXXXXXXX 6135313 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 3 C   A   A   A   A   A   C   A     Exempt 1
1271132 XXXXXXXXXX XXXXXXXXXX 6121622 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower's electronically need e-consent form "xxx" or prior signed by the borrower's. Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 A   A   A   A   A   A   A   A     Exempt 1
1271143 XXXXXXXXXX XXXXXXXXXX 6108138 920 XXXXXXXXXX Compliance Compliance   Compliance - TRID-Missing Final CD   MISSING FINAL SIGNED CD       07/XX/2021     A 1 XXXXXXXXXX FL I 13 D   A   C   A   C   A   D   A     Temporary QM Safe Harbor 1
1271143 XXXXXXXXXX XXXXXXXXXX 6108139 420 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraiser License to meet guides   Missing Subject Appraiser License for xxxxxxxxxxxx document provided     07/XX/2021     A 1 XXXXXXXXXX FL I 13 D   A   C   A   C   A   D   A     Temporary QM Safe Harbor 1
1271143 XXXXXXXXXX XXXXXXXXXX 6108140 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Unable to locate in imaging the Closing Disclosures or Settlement Statement from the simultaneous refinance of the borrower’s primary residence located at xxxxxxxxxxxxxxxxx . This is required in order to document the payoff of the existing loan on this property and to document the new payment used in the review. document received   Reviewer 07/XX/2021 05:16 PM; CD for xxxxxxxxxxxx provided, however property at xxxxxxxxxxx was required 07/XX/2021     A 1 XXXXXXXXXX FL I 13 D   A   C   A   C   A   D   A     Temporary QM Safe Harbor 1
1271146 XXXXXXXXXX XXXXXXXXXX 6108155 313 XXXXXXXXXX Credit AUS   AUS - UW - AUS Other   Front Ratio is xxx% as per AUS Borrower's spouse is responsible for the rent at their primary address per the LOX uploaded.     09/XX/2021     A 1 XXXXXXXXXX OR I 1 A   A   A   A   A   A   A   A     Exempt 1
1271149 XXXXXXXXXX XXXXXXXXXX 6126651 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX OR I 1 C   A   A   A   A   A   C   A     Exempt 1
1271166 XXXXXXXXXX XXXXXXXXXX 6108241 861 XXXXXXXXXX Compliance Note   Note - Other:   NMLS I'd is Incorrect, Please Provide The Correct NMLS.     Reviewer 07/XX/2021 10:57 AM; Please provide corrected document reflecting correct company NMLS of xxx

 Reviewer 07/XX/2021 10:26 AM; Corrected closing docs not provided.  Condition remains.		 07/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   B   A   C   A   A   A     Temporary QM Safe Harbor 1
1271166 XXXXXXXXXX XXXXXXXXXX 6108242 480 XXXXXXXXXX Credit Application   Application - Compliance \ Application - Validate Loan Originator ID and Loan Originator Co ID on http://www.nmlsconsumeraccess.org/ to verify ID is active and matches LO and CO on application.  If not found on website, suspend for correct ID #.   NMLS I'd is Incorrect Please Provide The Correct NMLS.       07/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   B   A   C   A   A   A     Temporary QM Safe Harbor 1
1271166 XXXXXXXXXX XXXXXXXXXX 6108243 897 XXXXXXXXXX Compliance Compliance   Compliance - TRID CD- Other   NMLS I'd Is Incorrect Reflecting On CD , Please Provide the Correct PCCD for the same       07/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   B   A   C   A   A   A     Temporary QM Safe Harbor 1
1271166 XXXXXXXXXX XXXXXXXXXX 6108235 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           07/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   B   A   C   A   A   A     Temporary QM Safe Harbor 1
1271166 XXXXXXXXXX XXXXXXXXXX 6108236 975 XXXXXXXXXX Compliance Compliance   Compliance - CD- Payee Name missing or incorrect   CD Dated (xxx) is not showing payee name of " HOA/Association Documentation Fees "in section- H. Please provide PCCD reflecting the payee name.       07/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   B   A   C   A   A   A     Temporary QM Safe Harbor 1
1271166 XXXXXXXXXX XXXXXXXXXX 6108240 913 XXXXXXXXXX Compliance Compliance   Compliance - Pending Completion of ComplianceEase/TRID Monitor Report.  Additional conditions may apply.     Auto-Cleared Compliance Testing Complete     06/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   B   A   C   A   A   A     Temporary QM Safe Harbor 1
1271180 XXXXXXXXXX XXXXXXXXXX 6134237 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. Information Provided     09/XX/2021     A 1 XXXXXXXXXX OR I 13 C   A   A   A   A   A   C   A     Exempt 1
1271186 XXXXXXXXXX XXXXXXXXXX 6134767 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Second collateral evaluation is required.  CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent). Information Provided     09/XX/2021     A 1 XXXXXXXXXX NV I 13 A   A   A   A   A   A   A   A     Exempt 1
1271186 XXXXXXXXXX XXXXXXXXXX 6141927 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX NV I 13 A   A   A   A   A   A   A   A     Exempt 1
1271189 XXXXXXXXXX XXXXXXXXXX 6141929 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX WA I 1 A   A   A   A   A   A   A   A     Exempt 1
1271192 XXXXXXXXXX XXXXXXXXXX 6129880 327 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Satisfactory 12 mth Rental   PTC-UW Provide 12 month VOR to verify rental history for xxxxxxxxxxxxx for current residence at xxxxxxxxxxxxx. DOCUMENTATION PROVIDED   Client 10/XX/2021 12:36 PM; We are requesting that this deficiency be cleared for verification of borrower paying $xxx/mo rent for his primary housing expense based on the following:  Monthly rent of $xxx is supported with the xxx rent listing history for $xxx/mo and checks for $xxx clearing on the bank statements on 1/xx, 2/xx & 3/xx.  Even with the Rent Zestimate on xxx being $xxx, based on the qualifying DTI of 29%, borrower's rent would have to be $xxx/mo to be 45% which is $xxx

 Reviewer 10/XX/2021 02:49 PM; DEFICIENCY CLEARED		 10/XX/2021     A 1 XXXXXXXXXX CO I 1 C   A   A   A   A   A   C   A     Exempt 1
1271192 XXXXXXXXXX XXXXXXXXXX 6141931 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CO I 1 C   A   A   A   A   A   C   A     Exempt 1
1271195 XXXXXXXXXX XXXXXXXXXX 6108457 978 XXXXXXXXXX Compliance Application   Application - Demographic Addendum - Missing or Incomplete         Reviewer 07/XX/2021 09:16 AM; addendum is still incomplete, for apps taken face to face you need to complete "was the race, sex, ethnicity collected based on visual observation or surname? This cannot be blank. 08/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   B   A   A   A     Exempt 1
1271195 XXXXXXXXXX XXXXXXXXXX 6108458 328 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Satisfactory 12 mth Mortgage   Missing verification of private mortgage for primary residence in the amount of $xxx for last 12 months with no lates. Client rebuttal: LP does not require a rating for mortgages not on credit.   Reviewer 08/XX/2021 08:36 PM; Provide the documentation for the private mortgage for review 09/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   B   A   A   A     Exempt 1
1271203 XXXXXXXXXX XXXXXXXXXX 6133738 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. Information Provided     09/XX/2021     A 1 XXXXXXXXXX NY I 3 D   A   D   A   A   A   C   A     Exempt 1
1271203 XXXXXXXXXX XXXXXXXXXX 6108518 340 XXXXXXXXXX Credit UW Other   UW Other - UW - Insurance Missing (MI or Project)   Evidence of HI provided does not included premium for verification of PITIA;       07/XX/2021     A 1 XXXXXXXXXX NY I 3 D   A   D   A   A   A   C   A     Exempt 1
1271215 XXXXXXXXXX XXXXXXXXXX 6130311 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX AZ I 1 C   A   A   A   A   A   C   A     Exempt 1
1271232 XXXXXXXXXX XXXXXXXXXX 6136024 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   The property listed on the 1003 as the primary residence is also listed as sold in the REO section.  There is nothing in the file to determine borrowers new primary residence and primary housing expense Received corrected 1003 showing xxx as the primary home.  Housing payment was already included in DTI.   Client 10/XX/2021 01:14 PM; There is a front end ratio of 11%.  The primary residence was purchased by a relocation company.  
DTI back end is 32.409%, Cash Reserves: Total/Months PITI-$xxx / 33, FICO 777, 19 years on the job. 


 Reviewer 10/XX/2021 06:55 AM; cleared in Tdocs 		10/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   C   A   A   A   A   A     Exempt 1
1271235 XXXXXXXXXX XXXXXXXXXX 6141936 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX LA I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1271235 XXXXXXXXXX XXXXXXXXXX 6108660 758 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit - PITIA for other REO incorrect/not included in debt ratio   Evidence was not found in the file for the payment history and what property is associated with the $xxx/mo, $xxx balance new loan with xxx       07/XX/2021     A 1 XXXXXXXXXX LA I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1271235 XXXXXXXXXX XXXXXXXXXX 6108661 1015 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - IRS Transcripts required   2020 1040 tax transcript not found in the file       07/XX/2021     A 1 XXXXXXXXXX LA I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1271246 XXXXXXXXXX XXXXXXXXXX 6141941 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX MA I 1 C   A   C   A   A   A   A   A     Exempt 1
1271246 XXXXXXXXXX XXXXXXXXXX 6108705 90 XXXXXXXXXX Credit Credit Report   Credit Report - is missing   AUS referenced (xxxxxxxxx) Credit Report is missing in file       07/XX/2021     A 1 XXXXXXXXXX MA I 1 C   A   C   A   A   A   A   A     Exempt 1
1271246 XXXXXXXXXX XXXXXXXXXX 6108706 90 XXXXXXXXXX Credit Credit Report   Credit Report - is missing   Required for ULDD Data Discrepancy Credit Report is not received of reference id (xxxxxxxxxx)     Reviewer 07/XX/2021 04:09 AM; Required for ULDD data delivery: Credit Report is still not received. 07/XX/2021     A 1 XXXXXXXXXX MA I 1 C   A   C   A   A   A   A   A     Exempt 1
1271252 XXXXXXXXXX XXXXXXXXXX 6141943 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   C   A     Exempt 1
1271252 XXXXXXXXXX XXXXXXXXXX 6145317 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   No pension docs in file, deposit in bank statement is $xxx, 1003 shows $xxx and $xxx.  DTI calculated at 52% with income found in file Received verification   Reviewer 09/XX/2021 08:10 AM; Verified SSI $xxx and Pension $xxx for xxxxxx.  Verified SSI $xxx for xxxxxxxxxxx.  Still need xxxx award letter for $xxx.  Deposit of $xxx shown on bank statement is not enough to bring DTI in tolerance.

 Client 09/XX/2021 01:59 PM; Received Award letter for xxx $xxx.  Please review and advise.

 Reviewer 09/XX/2021 07:37 AM; deficiency cleared in tdocs 		09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   C   A     Exempt 1
1271266 XXXXXXXXXX XXXXXXXXXX 6125845 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "xxx" or prior signed by the borrowers. Information Provided     10/XX/2021     A 1 XXXXXXXXXX NV I 13 C   A   A   A   C   A   A   A     Temporary QM Safe Harbor 1
1271269 XXXXXXXXXX XXXXXXXXXX 6126999 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "xxx" or prior signed by the borrowers. Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 A   A   A   A   A   A   A   A     Exempt 1
1271269 XXXXXXXXXX XXXXXXXXXX 6141947 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 A   A   A   A   A   A   A   A     Exempt 1
1271278 XXXXXXXXXX XXXXXXXXXX 6141951 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX FL I 1 D   A   D   A   C   A   A   A     Exempt 1
1271278 XXXXXXXXXX XXXXXXXXXX 6108826 879 XXXXXXXXXX Compliance Application   Application - Other:   LO is not authorized to represent company LO is now sponsored by a licensed entity in xxx and now registered.   Reviewer 07/XX/2021 07:43 AM; outstanding 07/XX/2021     A 1 XXXXXXXXXX FL I 1 D   A   D   A   C   A   A   A     Exempt 1
1271278 XXXXXXXXXX XXXXXXXXXX 6108827 441 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing Business Tax Returns   Please provide all schedules of business and personal of most year tax returns       07/XX/2021     A 1 XXXXXXXXXX FL I 1 D   A   D   A   C   A   A   A     Exempt 1
1271278 XXXXXXXXXX XXXXXXXXXX 6108828 1015 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - IRS Transcripts required   Please  provide most recent year tax transcripts       07/XX/2021     A 1 XXXXXXXXXX FL I 1 D   A   D   A   C   A   A   A     Exempt 1
1271289 XXXXXXXXXX XXXXXXXXXX 6108891 437 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete Verbal VOE   VVOE for xxxxxxxxxxxxx from xxxxxxxxxxxxxx within 10 days of Note Date, xxx is missing document received     08/XX/2021     A 1 XXXXXXXXXX TN I 1 D   A   D   A   C   A   A   A     Exempt 1
1271289 XXXXXXXXXX XXXXXXXXXX 6108893 437 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete Verbal VOE   VVOE for xxxxxxxxxxxxxx from xxxxxxxxxxxxxxxxxxxxx within 10 days of Note Date xxx is not provided. document received     08/XX/2021     A 1 XXXXXXXXXX TN I 1 D   A   D   A   C   A   A   A     Exempt 1
1271292 XXXXXXXXXX XXXXXXXXXX 6139826 431 09/XX/2021 Credit UW Assets   UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing   AUS requires 2 mos bank statements.  Only 1 month bank statement provided for xxx Acct #xxx (xxx); additional statement must support $xxx.   Waiver- DTI back end is 26.670%, Cash Reserves: Total/Months PITI-$xxx/ xxx FICO 758, LTV/CLTV 67.427%, Seasoned property manager, mortgage history 0 x 30 x 60+. xxx xxx xxx Statement Dated May xx, 2021 does state the account value on 4/XX/2021 at $xxx Client 10/XX/2021 07:38 PM; xxx xxx xxx Statement Dated May xx, 2021 does state the account value on 4/XX/2021 at $xxx.   
Waiver Request: DTI back end is 26.670%, Cash Reserves: Total/Months PITI-$xxx/ 125.  FICO 758, LTV/CLTV 67.427%, Seasoned property manager, mortgage history 0 x 30 x 60+.  


 Reviewer 10/XX/2021 12:05 PM; exception noted 		    10/XX/2021 B 2 06/XX/2021 TX I 3 A   B   A   B   A   A   A   A     Exempt 1
1271298 XXXXXXXXXX XXXXXXXXXX 6133867 1108 09/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   MISSING AVM REPORTING (CU SCORE EXCEEDS 2.5) Information Provided     09/XX/2021     A 1 06/XX/2021 CO I 1 C   B   C   B   A   A   C   A     Exempt 1
1271298 XXXXXXXXXX XXXXXXXXXX 6135326 325 09/XX/2021 Credit UW Credit   UW Credit - UW - Net Rental Income Incorrect   MISSING AN UPDATED AUS TO REFLECT THE TOTAL FILE INCOME AS $xxx (RETIREMENT $xxx & ALL OTHER REO INCOME AS $xxx)   The Difference in income between audit review ($xxx) and AUS/LP ($xxx) is only -$xxx. In File Credit Score-765, Cash Reserves: Total/Months PITI $xxx / xxx, current mortgage history and previous mortgage 0 x 30 x 90+ months. Client 10/XX/2021 11:52 AM; The DTI ratios increase is from 16% to 29.333%.  The Difference in income between audit review ($xxx) and AUS/LP ($xxx) is only -$xxx.  In File Credit Score-765, Cash Reserves: Total/Months PITI $xxx1 / xxx current mortgage history and previous mortgage 0 x 30 x 90+ months.

 Reviewer 10/XX/2021 03:37 PM; exception noted 		    10/XX/2021 B 2 06/XX/2021 CO I 1 C   B   C   B   A   A   C   A     Exempt 1
1271298 XXXXXXXXXX XXXXXXXXXX 6133863 324 09/XX/2021 Credit UW Credit   UW Credit - UW - Debt Calculations Incorrect   MISSING UPDATED AUS TO REFLECT THE FOLLOWING TOTAL LIABILITIES PRESENT HOUSING $xxx / SUBJECT PROP RENTAL LOSS $xxx / SECOND HOME EXPENSE $xxx / ALL OTHER LIABILITIES $xxx / TOTAL MONTHLY DEBTS $xxx   The Difference in income between audit review ($xxx) and AUS/LP ($xxx) is only -$xxx. In File Credit Score-765, Cash Reserves: Total/Months PITI $xxx / xxx, current mortgage history and previous mortgage 0 x 30 x 90+ months. Client 10/XX/2021 11:52 AM; The DTI ratios increase is from 16% to 29.333%.  The Difference in income between audit review ($xxx) and AUS/LP ($xxx) is only -$xxx.  In File Credit Score-765, Cash Reserves: Total/Months PITI $xxx / 472, current mortgage history and previous mortgage 0 x 30 x 90+ months.

 Reviewer 10/XX/2021 03:36 PM; exception noted 		    10/XX/2021 B 2 06/XX/2021 CO I 1 C   B   C   B   A   A   C   A     Exempt 1
1271306 XXXXXXXXXX XXXXXXXXXX 6141958 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX AZ I 1 C   A   A   A   A   A   C   A     Exempt 1
1271309 XXXXXXXXXX XXXXXXXXXX 6137161 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Missing 3 months of consecutive bank statements for the borrower's Sch C business xxx, xxx and xxx, as required for self-employed income analysis. Received     10/XX/2021     A 1 XXXXXXXXXX CA I 1 A   A   A   A   A   A   A   A     Exempt 1
1271309 XXXXXXXXXX XXXXXXXXXX 6137164 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Missing 3 months of consecutive bank statements for the borrower's Sch C business xxx xxx, as required for self-employed income analysis. Received     10/XX/2021     A 1 XXXXXXXXXX CA I 1 A   A   A   A   A   A   A   A     Exempt 1
1271312 XXXXXXXXXX XXXXXXXXXX 6127016 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. Information Provided     09/XX/2021     A 1 XXXXXXXXXX NJ I 13 C   A   C   A   A   A   C   A     Temporary QM Safe Harbor 1
1271312 XXXXXXXXXX XXXXXXXXXX 6108983 758 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit - PITIA for other REO incorrect/not included in debt ratio   Missing verification of PITIA does not exceed $xxx for REO xxxxxxxxxxx. Statement not found in loan file. property is held in business name, not to be included in DTI   Reviewer 07/XX/2021 05:33 AM; Note in business name xxxxxxxxxxxx 08/XX/2021     A 1 XXXXXXXXXX NJ I 13 C   A   C   A   A   A   C   A     Temporary QM Safe Harbor 1
1271312 XXXXXXXXXX XXXXXXXXXX 6108984 335 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Calculation Incorrect   Loan submitted with Subject net rental income of $xxx incorrect calculated using new payment or REO xxxxxxxxx. Subject rents $xxx / new PITIA $xxx / Net rents $xxx. Lender using old payment of $xxx. Provide corrected 1008 and DU AUS to reflect subject net rental income of $xxx. AUS and 1008 amended received.   Reviewer 07/XX/2021 05:00 AM; AUS #12 does not reflect Net Rents subject $xxx

 Reviewer 08/XX/2021 05:28 PM; AUS #12 does not reflect net rents and will need updated 1008		 09/XX/2021     A 1 XXXXXXXXXX NJ I 13 C   A   C   A   A   A   C   A     Temporary QM Safe Harbor 1
1271312 XXXXXXXXXX XXXXXXXXXX 6108985 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Fraud Manager report not loaded on initial review.       07/XX/2021     A 1 XXXXXXXXXX NJ I 13 C   A   C   A   A   A   C   A     Temporary QM Safe Harbor 1
1271329 XXXXXXXXXX XXXXXXXXXX 6125812 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrowers electronically need e-consent from "xxx" or prior signed by the borrowers. Information Provided     10/XX/2021     A 1 XXXXXXXXXX MS I 1 C   A   A   A   C   A   C   A     Exempt 1
1271329 XXXXXXXXXX XXXXXXXXXX 6135045 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Second collateral evaluation CDA required since Fannie Mae UCDP score = 5.0. Information Provided     09/XX/2021     A 1 XXXXXXXXXX MS I 1 C   A   A   A   C   A   C   A     Exempt 1
1271329 XXXXXXXXXX XXXXXXXXXX 6125809 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     10/XX/2021     A 1 XXXXXXXXXX MS I 1 C   A   A   A   C   A   C   A     Exempt 1
1271332 XXXXXXXXXX XXXXXXXXXX 6125814 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     10/XX/2021     A 1 XXXXXXXXXX NV I 13 A   A   A   A   A   A   A   A     Temporary QM Safe Harbor 1
1271332 XXXXXXXXXX XXXXXXXXXX 6141962 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX NV I 13 A   A   A   A   A   A   A   A     Temporary QM Safe Harbor 1
1271332 XXXXXXXXXX XXXXXXXXXX 6125807 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "xxx" or prior signed by the borrowers Information Provided     10/XX/2021     A 1 XXXXXXXXXX NV I 13 A   A   A   A   A   A   A   A     Temporary QM Safe Harbor 1
1271338 XXXXXXXXXX XXXXXXXXXX 6141964 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX NY I 3 C   A   C   A   A   A   A   A     Exempt 1
1271338 XXXXXXXXXX XXXXXXXXXX 6109084 325 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Net Rental Income Incorrect   Net rental calculated based on 2020 Sched E data and appraiser's income calculation market rate for net total QI $xxx< AUS submitted $xxx;  1008 income is different at $xxx. document received     08/XX/2021     A 1 XXXXXXXXXX NY I 3 C   A   C   A   A   A   A   A     Exempt 1
1271341 XXXXXXXXXX XXXXXXXXXX 6141966 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX MI I 13 A   A   A   A   A   A   A   A     Temporary QM Safe Harbor 1
1271349 XXXXXXXXXX XXXXXXXXXX 6141969 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 13 A   A   A   A   A   A   A   A     Temporary QM Safe Harbor 1
1271355 XXXXXXXXXX XXXXXXXXXX 6141971 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   A   A     Exempt 1
1271355 XXXXXXXXXX XXXXXXXXXX 6109203 326 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Evidence Satisfaction of Debt   Missing documentation to verify borrower is not obligated on xxxx mortgage #XXXX for $xxx as included in property owned on 1003 second home. document rec'd     07/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   A   A     Exempt 1
1271358 XXXXXXXXXX XXXXXXXXXX 6109218 432 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Evidence of downpayment missing/incomplete   Receipt for xxx for EM $xxx provided; bank statements provided do not show xxx out for verification from borrower funds; Required to meet Borrower 20% contribution       07/XX/2021     A 1 XXXXXXXXXX AZ I 1 D   A   D   A   A   A   A   A     Exempt 1
1271361 XXXXXXXXXX XXXXXXXXXX 6204305 272 10/XX/2021 Valuation UW Collateral   UW Collateral - UW - Appraisal Other   Loan qualified using PIW.   PIW is acceptable, no additional concerns.       10/XX/2021 B 2 06/XX/2021 WA I 3 C   B   A   A   A   A   C   B   Exempt 1
1271361 XXXXXXXXXX XXXXXXXXXX 6141777 1108 09/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Loan originated with PIW. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 06/XX/2021 WA I 3 C   B   A   A   A   A   C   B   Exempt 1
1271381 XXXXXXXXXX XXXXXXXXXX 6141778 1108 09/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Loan originated with PIW. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 06/XX/2021 CA I 3 C   B   A   A   A   A   C   B   Exempt 1
1271381 XXXXXXXXXX XXXXXXXXXX 6204285 272 10/XX/2021 Valuation UW Collateral   UW Collateral - UW - Appraisal Other   Loan qualified using PIW.   PIW is acceptable, no additional concerns.       10/XX/2021 B 2 06/XX/2021 CA I 3 C   B   A   A   A   A   C   B   Exempt 1
1271392 XXXXXXXXXX XXXXXXXXXX 6109417 875 XXXXXXXXXX Compliance Disclosure   Disclosure - Other:   xxx - xxx Right to Choose Insurance Provider is missing in the file. Provided.     07/XX/2021     A 1 XXXXXXXXXX WA I 1 C   A   A   A   C   A   A   A     Exempt 1
1271392 XXXXXXXXXX XXXXXXXXXX 6141983 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX WA I 1 C   A   A   A   C   A   A   A     Exempt 1
1271398 XXXXXXXXXX XXXXXXXXXX 6109436 868 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - Other:   Hazard Insurance Policy is required however Quote available in the file.       07/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   C   A   A   A   A   A     Exempt 1
1271401 XXXXXXXXXX XXXXXXXXXX 6126393 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   UW - Second collateral evaluation is required. COMMENT CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   A   A   A   A   C   A     Exempt 1
1271415 XXXXXXXXXX XXXXXXXXXX 6141991 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX TN I 13 A   A   A   A   A   A   A   A     Temporary QM Safe Harbor 1
1271415 XXXXXXXXXX XXXXXXXXXX 6109537 988 XXXXXXXXXX Compliance Compliance   Compliance - FNMA or FHLMC UCD report is unsuccessful.   The FHLMC UCD Report is reflecting Critical Errors, marked in Red for the Eligibility. Please provide updated Findings.       07/XX/2021     A 1 XXXXXXXXXX TN I 13 A   A   A   A   A   A   A   A     Temporary QM Safe Harbor 1
1271421 XXXXXXXXXX XXXXXXXXXX 6109560 894 XXXXXXXXXX Compliance Compliance   Compliance - TRID LE- Other   All Disclosed LE is missing in the file.       07/XX/2021     A 1 XXXXXXXXXX AZ I 3 C   A   A   A   C   A   A   A     Exempt 1
1271421 XXXXXXXXXX XXXXXXXXXX 6141995 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX AZ I 3 C   A   A   A   C   A   A   A     Exempt 1
1271441 XXXXXXXXXX XXXXXXXXXX 6109645 978 XXXXXXXXXX Compliance Application   Application - Demographic Addendum - Missing or Incomplete   Race is not mentioned in the document for the Borrower and Co borrower (xxxx xxxx And xxxx xxxx xxxx)       08/XX/2021     A 1 XXXXXXXXXX IL I 1 B   A   A   A   B   A   A   A     Exempt 1
1271441 XXXXXXXXXX XXXXXXXXXX 6109647 978 XXXXXXXXXX Compliance Application   Application - Demographic Addendum - Missing or Incomplete   Required for ULDD Data Discrepancy In the given  Application Demographic Addendum, Race information is not checked for both borrower and Co borrower (xxxx xxxx And xxxx xxxx xxxx). Please provide updated and complete Application Demographic Addendum.       07/XX/2021     A 1 XXXXXXXXXX IL I 1 B   A   A   A   B   A   A   A     Exempt 1
1271452 XXXXXXXXXX XXXXXXXXXX 6137757 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   Second collateral evaluation is required. No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX NY I 1 C   A   A   A   C   A   A   A     Exempt 1
1271452 XXXXXXXXXX XXXXXXXXXX 6142002 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX NY I 1 C   A   A   A   C   A   A   A     Exempt 1
1271461 XXXXXXXXXX XXXXXXXXXX 6142004 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) cda received within tolerance     10/XX/2021     A 1 XXXXXXXXXX WA I 1 A   A   A   A   A   A   A   A     Exempt 1
1271461 XXXXXXXXXX XXXXXXXXXX 6109721 868 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - Other:   Hazard insurance coverage is insufficient. Does not exceed or equal the loan amount.       08/XX/2021     A 1 XXXXXXXXXX WA I 1 A   A   A   A   A   A   A   A     Exempt 1
1271481 XXXXXXXXXX XXXXXXXXXX 6142011 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX WA I 1 C   A   A   A   A   A   C   A     Exempt 1
1271501 XXXXXXXXXX XXXXXXXXXX 6109849 199 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - Hazard insurance coverage is insufficient- Must cover the loan amount or estimated cost new, or policy to state guaranteed replacement cost           08/XX/2021     A 1 XXXXXXXXXX WA I 13 D   A   D   A   A   A   A   A     Temporary QM Safe Harbor 1
1271501 XXXXXXXXXX XXXXXXXXXX 6109851 431 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing   File is missing page 2 of xxxx xxxx bank statement for #xxxx for May document received     08/XX/2021     A 1 XXXXXXXXXX WA I 13 D   A   D   A   A   A   A   A     Temporary QM Safe Harbor 1
1271501 XXXXXXXXXX XXXXXXXXXX 6109852 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Verify new PITI for properties at xxxx xxxx $xxx, xxxx xxxx xxxx $xxx, xxxx xxxx xxxx $xxx and xxxx xxxx xxxx $xxx with mortgages with xxxx xxxx per 1003. document received     07/XX/2021     A 1 XXXXXXXXXX WA I 13 D   A   D   A   A   A   A   A     Temporary QM Safe Harbor 1
1271504 XXXXXXXXXX XXXXXXXXXX 6132873 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CO I 1 C   A   C   A   A   A   C   A     Exempt 1
1271504 XXXXXXXXXX XXXXXXXXXX 6109866 320 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Other   The following bank statements are missing and were used in qualifying xxxx checking & savings accounts with a balance of $xxxx & $xxx; xxxx retirement statement with a balance of $xxx document received   Reviewer 07/XX/2021 08:15 AM; Provide source of large deposits to xxxx #xxx: $xxx 05/XX/2021 , $xxx 05/XX/2021   07/XX/2021     A 1 XXXXXXXXXX CO I 1 C   A   C   A   A   A   C   A     Exempt 1
1271507 XXXXXXXXXX XXXXXXXXXX 6142016 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CT I 13 C   A   A   A   A   A   C   A     Temporary QM Safe Harbor 1
1271527 XXXXXXXXXX XXXXXXXXXX 6142022 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   A   A   A   A   C   A     Exempt 1
1271541 XXXXXXXXXX XXXXXXXXXX 6142027 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 A   A   A   A   A   A   A   A     Exempt 1
1271544 XXXXXXXXXX XXXXXXXXXX 6142028 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX AZ I 1 C   A   A   A   A   A   C   A     Exempt 1
1271561 XXXXXXXXXX XXXXXXXXXX 6142033 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX OH I 1 A   A   A   A   A   A   A   A     Exempt 1
1271567 XXXXXXXXXX XXXXXXXXXX 6142035 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX AZ I 13 A   A   A   A   A   A   A   A     Temporary QM Safe Harbor 1
1271570 XXXXXXXXXX XXXXXXXXXX 6134726 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX AL I 13 C   A   C   A   A   A   C   A     Temporary QM Safe Harbor 1
1271570 XXXXXXXXXX XXXXXXXXXX 6110050 434 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Shorts Funds for Reserves   Missing Asset statements to cover reserves of $xxx document received     08/XX/2021     A 1 XXXXXXXXXX AL I 13 C   A   C   A   A   A   C   A     Temporary QM Safe Harbor 1
1271570 XXXXXXXXXX XXXXXXXXXX 6110051 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Credit report matching AUS xxx dated 5/XX/21 is missing in file. Credit report provided xxx dated 5/xx/21 documents received     08/XX/2021     A 1 XXXXXXXXXX AL I 13 C   A   C   A   A   A   C   A     Temporary QM Safe Harbor 1
1271638 XXXXXXXXXX XXXXXXXXXX 6125717 986 09/XX/2021 Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "05/XX/2021" or prior signed by the borrowers. Information Provided   Client 10/XX/2021 07:34 AM; lender stated they uploaded this again but they have uploaded previously.

 Reviewer 10/XX/2021 08:42 AM;

 Reviewer 10/XX/2021 01:45 PM; All conditions have been cleared. Thanks! 		  10/XX/2021   B 2 06/XX/2021 NY I 1 C   B   A   A   C   B   A   A     Exempt 1
1271638 XXXXXXXXXX XXXXXXXXXX 6134013 270 09/XX/2021 Valuation UW Collateral   UW Collateral - UW - Satisfactory 2nd Appraisal Report   Second collateral evaluation is required.  COMMENT No CU Score provided or available. (Internal condition only - No action required by Correspondent) Clear Capital CDA provided     10/XX/2021     A 1 06/XX/2021 NY I 1 C   B   A   A   C   B   A   A     Exempt 1
1271638 XXXXXXXXXX XXXXXXXXXX 6142052 1108 09/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 06/XX/2021 NY I 1 C   B   A   A   C   B   A   A     Exempt 1
1271638 XXXXXXXXXX XXXXXXXXXX 6110302 1055 07/XX/2021 Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   AUS findings are missing/incomplete.  2 pages provided and the pages are cut off       07/XX/2021     A 1 06/XX/2021 NY I 1 C   B   A   A   C   B   A   A     Exempt 1
1271638 XXXXXXXXXX XXXXXXXXXX 6110301 970 07/XX/2021 Compliance Compliance   Compliance - CD- Missing   Initial CD is missing in the file       07/XX/2021     A 1 06/XX/2021 NY I 1 C   B   A   A   C   B   A   A     Exempt 1
1271641 XXXXXXXXXX XXXXXXXXXX 6142053 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX WA I 3 C   A   A   A   A   A   C   A     Exempt 1
1271644 XXXXXXXXXX XXXXXXXXXX 6110328 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           07/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   A   A   C   A   A   A     Exempt 1
1271644 XXXXXXXXXX XXXXXXXXXX 6110329 975 XXXXXXXXXX Compliance Compliance   Compliance - CD- Payee Name missing or incorrect   Payee name is missing for xxxx Escrow #xxxx-NA in Section H in CD dated 07/XX/2021. PCCD is required with corrections.       07/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   A   A   C   A   A   A     Exempt 1
1271650 XXXXXXXXXX XXXXXXXXXX 6126506 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Missing E-Consent dated 6/xx/2021 or Prior Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   A   A   C   A   C   A     Exempt 1
1271650 XXXXXXXXXX XXXXXXXXXX 6142056 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   A   A   C   A   C   A     Exempt 1
1271661 XXXXXXXXXX XXXXXXXXXX 6145308 314 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Assets - AUS Validation   Provide copy of Earnest Money Deposit Check for $xxx. Doc provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 A   A   A   A   A   A   A   A     Exempt 1
1271661 XXXXXXXXXX XXXXXXXXXX 6125589 973 XXXXXXXXXX Compliance Compliance   Compliance - CD- Other   Total amount sections (A-O) are not legible in final CD Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 A   A   A   A   A   A   A   A     Exempt 1
1271661 XXXXXXXXXX XXXXXXXXXX 6130136 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Missing E-Consent dated 5/XX/2021 or Prior Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 A   A   A   A   A   A   A   A     Exempt 1
1271693 XXXXXXXXXX XXXXXXXXXX 6123124 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Please provide accepted E consent dated 5/xx or earlier for XXXX  and XXXX . Information Provided     10/XX/2021     A 1 XXXXXXXXXX TN I 3 C   A   A   A   C   A   A   A     Exempt 1
1271701 XXXXXXXXXX XXXXXXXXXX 6134084 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX IL I 1 C   A   A   A   A   A   C   A     Exempt 1
1271767 XXXXXXXXXX XXXXXXXXXX 6110942 868 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - Other:   POLICY NUMBER IS MISSING FROM POLICY ON FILE.       08/XX/2021     A 1 XXXXXXXXXX AR I 1 C   A   C   A   A   A   A   A     Exempt 1
1271793 XXXXXXXXXX XXXXXXXXXX 6142089 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX MD I 13 C   A   A   A   A   A   C   A     Temporary QM Safe Harbor 1
1271810 XXXXXXXXXX XXXXXXXXXX 6141787 1108 09/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Loan originated with PIW. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 04/XX/2021 NC I 3 C   B   A   A   A   A   C   B   Exempt 1
1271810 XXXXXXXXXX XXXXXXXXXX 6204318 272 10/XX/2021 Valuation UW Collateral   UW Collateral - UW - Appraisal Other   Loan qualified using PIW.   PIW is acceptable, no additional concerns.       10/XX/2021 B 2 04/XX/2021 NC I 3 C   B   A   A   A   A   C   B   Exempt 1
1271827 XXXXXXXXXX XXXXXXXXXX 6111230 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   E-Consent is missing of borrower prior to earliest e-signature event in the file.       08/XX/2021     A 1 XXXXXXXXXX AZ I 1 C   A   A   A   C   A   A   A     Exempt 1
1271856 XXXXXXXXXX XXXXXXXXXX 6142110 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   A   A   A   A   C   A     Exempt 1
1271859 XXXXXXXXXX XXXXXXXXXX 6122212 666 09/XX/2021 Compliance Sales Contract   Sales Contract - Compliance \ Sales Contract missing   Sales Contract is missing in file.     Client 10/XX/2021 05:13 PM; Transaction is a xxx. Appraisal confirms and escrow instructions which act as sales contact at xxx are located in the file.

 Reviewer 10/XX/2021 10:40 AM; Hello, &#x0D;
Even if the loan is a xxx there should be a contractual agreement between buyer and seller.  Please upload.  Thanks!

 Reviewer 10/XX/2021 10:40 AM; 		  10/XX/2021   B 2 07/XX/2021 CA I 1 A   B   A   A   A   B   A   A     Exempt 1
1271867 XXXXXXXXXX XXXXXXXXXX 6123300 875 XXXXXXXXXX Compliance Disclosure   Disclosure - Other:   Borrower's Intent to Proceed with Application is missing. Information Provided     10/XX/2021     A 1 XXXXXXXXXX CA I 3 A   A   A   A   A   A   A   A     Exempt 1
1271867 XXXXXXXXXX XXXXXXXXXX 6142111 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 A   A   A   A   A   A   A   A     Exempt 1
1271867 XXXXXXXXXX XXXXXXXXXX 6148819 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   CU score exceeds 2.5 UW-----Second collateral evaluation is required.  Comment  CU Score exceeds 2.5 tolerance.(Internal condition only- no action required by correspondent) Documentation has been provided.       10/XX/2021     A 1 XXXXXXXXXX CA I 3 A   A   A   A   A   A   A   A     Exempt 1
1271876 XXXXXXXXXX XXXXXXXXXX 6142113 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX IL I 13 C   A   A   A   A   A   C   A     QM Safe Harbor 1
1271882 XXXXXXXXXX XXXXXXXXXX 6136581 962 09/XX/2021 Compliance Appraisal   Appraisal - FEMA Disaster   Property is located in a county in a FEMA Declared Disaster Area and appraisal report date (05/XX/2021) is before incident date (09/XX/2021), need disaster certificate which reflects property is not affected by the disaster with photos. Information Provided     10/XX/2021     A 1 07/XX/2021 NY I 13 C   B   A   A   C   B   A   A     Exempt 1
1271882 XXXXXXXXXX XXXXXXXXXX 6136598 902 09/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.             10/XX/2021   B 2 07/XX/2021 NY I 13 C   B   A   A   C   B   A   A     Exempt 1
1271882 XXXXXXXXXX XXXXXXXXXX 6136655 9 09/XX/2021 Credit Application   Application - is missing   Initial Application is missing Information Provided     10/XX/2021     A 1 07/XX/2021 NY I 13 C   B   A   A   C   B   A   A     Exempt 1
1271882 XXXXXXXXXX XXXXXXXXXX 6136656 962 09/XX/2021 Compliance Appraisal   Appraisal - FEMA Disaster   Property is located in a county in a FEMA Declared Disaster Area and appraisal report date (05/XX/2021) is before incident date (09/XX/2021), need disaster certificate which reflects property is not affected by the disaster with photos. Information Provided     10/XX/2021     A 1 07/XX/2021 NY I 13 C   B   A   A   C   B   A   A     Exempt 1
1271882 XXXXXXXXXX XXXXXXXXXX 6142116 1108 09/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 07/XX/2021 NY I 13 C   B   A   A   C   B   A   A     Exempt 1
1271882 XXXXXXXXXX XXXXXXXXXX 6136580 9 09/XX/2021 Credit Application   Application - is missing   Initial Application is missing Information Provided     10/XX/2021     A 1 07/XX/2021 NY I 13 C   B   A   A   C   B   A   A     Exempt 1
1271890 XXXXXXXXXX XXXXXXXXXX 6141789 1108 09/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Loan originated with PIW. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     B 1 07/XX/2021 UT I 3 C   B   A   A   C   A   B B   Exempt 1
1271890 XXXXXXXXXX XXXXXXXXXX 6111483 205 07/XX/2021 Credit Hazard Insurance   Hazard Insurance - property address is incorrect.   Subject Property address is mismatched on Hazard insurance.       07/XX/2021     A 1 07/XX/2021 UT I 3 C   B   A   A   C   A   B B   Exempt 1
1271890 XXXXXXXXXX XXXXXXXXXX 6111484 200 07/XX/2021 Credit Hazard Insurance   Hazard Insurance - If Condo, blanket coverage policy is missing   HOA Master Policy is missing in the file.     Reviewer 07/XX/2021 02:48 PM; If the property is an attached condominium or an attached PUD, then a Blanket HOA Master Policy is required. Evidence of Insurance/Policy must reference the property address and unit number. 07/XX/2021     A 1 07/XX/2021 UT I 3 C   B   A   A   C   A   B B   Exempt 1
1271893 XXXXXXXXXX XXXXXXXXXX 6166921 1109 09/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Third collateral evaluation is required.   Variance out of tolerance.  (Internal condition only - No action required by Correspondent) BPO received within tolerance     10/XX/2021     B 1 07/XX/2021 FL I 1 C   B   A   A   A   A   C   B     Exempt 1
1271893 XXXXXXXXXX XXXXXXXXXX 6142119 1108 09/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     B 1 07/XX/2021 FL I 1 C   B   A   A   A   A   C   B     Exempt 1
1271913 XXXXXXXXXX XXXXXXXXXX 6134339 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   UW Collateral TPR UW - Second collateral evaluation is required. COMMENT No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX NY I 3 C   A   A   A   C   A   A   A     Exempt 1
1271913 XXXXXXXXXX XXXXXXXXXX 6142124 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX NY I 3 C   A   A   A   C   A   A   A     Exempt 1
1271916 XXXXXXXXXX XXXXXXXXXX 6142125 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX VA I 1 C   A   A   A   C   A   C   A     Exempt 1
1271916 XXXXXXXXXX XXXXXXXXXX 6130290 879 XXXXXXXXXX Compliance Application   Application - Other:   Current Years at Residence is 0 in Section 1 final 1003. Information Provided     09/XX/2021     A 1 XXXXXXXXXX VA I 1 C   A   A   A   C   A   C   A     Exempt 1
1271922 XXXXXXXXXX XXXXXXXXXX 6111631 998 XXXXXXXXXX Credit UW Other   UW Other - UW - Title Commitment is missing or requires correction.   MISSING AN UPDATED TITLE REPORT TO REFLECT THE CORRECT LOAN AMOUNT $xxx     Reviewer 07/XX/2021 08:56 AM; Out of scope 07/XX/2021     A 1 XXXXXXXXXX AZ I 3 D   A   D   A   A   A   A   A     Exempt 1
1271922 XXXXXXXXXX XXXXXXXXXX 6111632 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   MISSING PROOF OF XXXX  LOAN CLOSING DISCLOSURE TO VERIFY THE FULL PITIA AND PROOF THAT XXXX  WAS PAID OFF FOR PRIMARY RESIDENCE LOCATED AT XXXX document received     07/XX/2021     A 1 XXXXXXXXXX AZ I 3 D   A   D   A   A   A   A   A     Exempt 1
1271922 XXXXXXXXXX XXXXXXXXXX 6111633 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide Master Insurance declarations page. document received     08/XX/2021     A 1 XXXXXXXXXX AZ I 3 D   A   D   A   A   A   A   A     Exempt 1
1271922 XXXXXXXXXX XXXXXXXXXX 6111630 423 XXXXXXXXXX Credit UW Collateral   UW Collateral - UW - Appraisal Correction/Clarification   NEED AN EXPLANATON FROM BORROWER REGARDING APPRAISAL AND 1003 DECLARATION REFLECTING OWNER OCCUPIED IN AN INVESTMENT PROPERTY.  THIS ISSUE NEEDS CLARIFICATION, IN ORDER TO CORRECT THE APPRAISAL AND 1003. document received     07/XX/2021     A 1 XXXXXXXXXX AZ I 3 D   A   D   A   A   A   A   A     Exempt 1
1271942 XXXXXXXXXX XXXXXXXXXX 6142132 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX FL I 13 C   A   A   A   A   A   C   A     Exempt 1
1271956 XXXXXXXXXX XXXXXXXXXX 6142137 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX TN I 1 C   A   A   A   A   A   C   A     Exempt 1
1271962 XXXXXXXXXX XXXXXXXXXX 6142139 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   A   A   C   A   C   A     Exempt 1
1271962 XXXXXXXXXX XXXXXXXXXX 6111771 601 XXXXXXXXXX Compliance Note   Note - Compliance \ Note - POA must be executed, signed and notarized   Power of Attorney is missing in the file, However POA verbiage is on signature page of the Note       08/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   A   A   C   A   C   A     Exempt 1
1271965 XXXXXXXXXX XXXXXXXXXX 6142141 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX OH I 1 C   A   A   A   A   A   C   A     Exempt 1
1271973 XXXXXXXXXX XXXXXXXXXX 6142144 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   A   A   A   A   C   A     Exempt 1
1271979 XXXXXXXXXX XXXXXXXXXX 6142145 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 D   A   D   A   A   A   C   A     Exempt 1
1271979 XXXXXXXXXX XXXXXXXXXX 6154785 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   MISSING AVM REPORT (NO CU SCORE REPORTED) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 D   A   D   A   A   A   C   A     Exempt 1
1271979 XXXXXXXXXX XXXXXXXXXX 6154788 340 XXXXXXXXXX Credit UW Other   UW Other - UW - Insurance Missing (MI or Project)   MISSING AN UPDATED HOI DEC WITH SUFFICIENT DWELLING COVERAGE Received     10/XX/2021     A 1 XXXXXXXXXX CA I 3 D   A   D   A   A   A   C   A     Exempt 1
1271979 XXXXXXXXXX XXXXXXXXXX 6154790 327 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Satisfactory 12 mth Rental   MISSING 12 CONSECUTIVE MONTHS  VOR  TO VERIFY MONTHLY RENT AND PAYMENT HISTORY  FOR THE PROPERTY LOCATED AT xxx. Received letter from owner that borrower lives rent free with family     10/XX/2021     A 1 XXXXXXXXXX CA I 3 D   A   D   A   A   A   C   A     Exempt 1
1271996 XXXXXXXXXX XXXXXXXXXX 6142150 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX FL I 1 C   A   A   A   C   A   C   A     Exempt 1
1271996 XXXXXXXXXX XXXXXXXXXX 6111900 913 XXXXXXXXXX Compliance Compliance   Compliance - Pending Completion of ComplianceEase/TRID Monitor Report.  Additional conditions may apply.     Auto-Cleared Compliance Testing Complete     07/XX/2021     A 1 XXXXXXXXXX FL I 1 C   A   A   A   C   A   C   A     Exempt 1
1271999 XXXXXXXXXX XXXXXXXXXX 6142151 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX WI I 1 A   A   A   A   A   A   A   A     Exempt 1
1272005 XXXXXXXXXX XXXXXXXXXX 6142153 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX MN I 1 C   A   C   A   A   A   A   A     Exempt 1
1272005 XXXXXXXXXX XXXXXXXXXX 6111927 386 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Documents Expired   No evidence of 2020 earning provided. WVOE only reports YTD and no 2020 W2 in file document received     07/XX/2021     A 1 XXXXXXXXXX MN I 1 C   A   C   A   A   A   A   A     Exempt 1
1272005 XXXXXXXXXX XXXXXXXXXX 6111928 318 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Source of Large Deposit   No evidence of deposit $xxx on 4-xx-21 into xxxx checking account #xxx. Appears to be employer but inconsistent with pay and nothing to support. document received     07/XX/2021     A 1 XXXXXXXXXX MN I 1 C   A   C   A   A   A   A   A     Exempt 1
1272016 XXXXXXXXXX XXXXXXXXXX 6142157 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CO I 1 C   A   A   A   A   A   C   A     Exempt 1
1272019 XXXXXXXXXX XXXXXXXXXX 6141790 1108 09/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Loan originated with PIW. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 06/XX/2021 NC I 3 C   B   A   A   A   A   C   B   Exempt 1
1272019 XXXXXXXXXX XXXXXXXXXX 6204519 272 10/XX/2021 Valuation UW Collateral   UW Collateral - UW - Appraisal Other   Loan qualified using PIW.   PIW is acceptable, no additional concerns.       10/XX/2021 B 2 06/XX/2021 NC I 3 C   B   A   A   A   A   C   B   Exempt 1
1272045 XXXXXXXXXX XXXXXXXXXX 6141792 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Loan originated with PIW. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   A   A   C   A     Exempt 1
1272048 XXXXXXXXXX XXXXXXXXXX 6112103 867 XXXXXXXXXX Credit 4506   4506 - Other:   4506-C W2 transcript is requested but line 7 not checked.       08/XX/2021     A 1 XXXXXXXXXX CA I 13 B   A   B   A   A   A   A   A     Temporary QM Safe Harbor 1
1272056 XXXXXXXXXX XXXXXXXXXX 6112145 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Compliance E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event.Date 6/XX/2021       08/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   C   A   A   A     Exempt 1
1272062 XXXXXXXXXX XXXXXXXXXX 6142168 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX FL I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1272062 XXXXXXXXXX XXXXXXXXXX 6112181 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   The Final Loan Application declarations show the borrower will occupy the subject property as a primary residence however all other documents indicate the subject property as an investment. document received     08/XX/2021     A 1 XXXXXXXXXX FL I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1272062 XXXXXXXXXX XXXXXXXXXX 6112182 1011 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Calculation Discrepancy rental income   Subject Rental Income may have been calculated incorrectly. Subject Rental Income was calculated as follows Market Rent of $xxx x xxx% = $xxx Less Total Payment of $xxx = -$xxx net rent per month.  This amount is less than the original underwriter positive subject net rent of $xxx and creates a change in DTI that is above tolerance. document received     08/XX/2021     A 1 XXXXXXXXXX FL I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1272062 XXXXXXXXXX XXXXXXXXXX 6112183 840 XXXXXXXXXX Compliance Disclosure   Disclosure - HPML- need evidence of rate lock date with borrower   Required for ULDD Data Discrepancy Per file documents rate lock date is 07/XX/2021. This rate lock date does not match the rate lock date on UCD.  We are unable to view this information on the UCD in file, Please provide documentation as to what the rate lock date is that was used on the FNMA UCD (per ULDD edit The Current Rate Set Date in UCD must equal the Price Lock Date) OR please provide updated UCD with 07/XX/2021 rate lock date if this is correct, because there are now 2 dates in the file you will have to advise which one is correct, if you correct the UCD.       08/XX/2021     A 1 XXXXXXXXXX FL I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1272062 XXXXXXXXXX XXXXXXXXXX 6112179 247 XXXXXXXXXX Credit VOE - verbal or FNMA 1005   VOE - verbal or FNMA 1005 - Verbal VOE is NOT dated within 10 days prior to closing date   Borrower's(xxxx) VVOE date is exceeding the 10 business days limit from the Note date.       08/XX/2021     A 1 XXXXXXXXXX FL I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1272065 XXXXXXXXXX XXXXXXXXXX 6112200 901 XXXXXXXXXX Compliance Compliance   Compliance - TRID Other   Lock document showing the date rate was locked with borrower missing from file.       08/XX/2021     A 1 XXXXXXXXXX WA I 3 C   A   A   A   C   A   A   A     Exempt 1
1272065 XXXXXXXXXX XXXXXXXXXX 6112201 970 XXXXXXXXXX Compliance Compliance   Compliance - CD- Missing   Initial CD is missing in the file       08/XX/2021     A 1 XXXXXXXXXX WA I 3 C   A   A   A   C   A   A   A     Exempt 1
1272065 XXXXXXXXXX XXXXXXXXXX 6112202 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event.Date - 01/XX/2021       08/XX/2021     A 1 XXXXXXXXXX WA I 3 C   A   A   A   C   A   A   A     Exempt 1
1272068 XXXXXXXXXX XXXXXXXXXX 6142172 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   A   A   A   A   C   A     Exempt 1
1272076 XXXXXXXXXX XXXXXXXXXX 6142176 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   A   A   A   A   C   A     Exempt 1
1272079 XXXXXXXXXX XXXXXXXXXX 6140245 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX MN I 13 C   A   A   A   A   A   C   A     Temporary QM Safe Harbor 1
1272085 XXXXXXXXXX XXXXXXXXXX 6112300 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   Loan submitted to DU AUS with $xxx bonus earnings not supported YTD $xxx/xxx=$xxx missing previous years evidence of Bonus earnings Missing WVOE to support Bonus income of $xxx as submitted. bonus income removed from 1008 and AUS     08/XX/2021     A 1 XXXXXXXXXX TX I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1

 

 
 

 

Evolve Loan ID Customer Loan ID Seller Loan ID Loan Exception ID Exception ID Exception Date Exception Type Exception Category Exception Subcategory Exception Exception Detail Exception Information Exception Remediation Compensating Factors Follow-up Comments Cleared Date Cured Date Waived Date Exception Level Grade Exception Level Rating Note Date Property State Occupancy Purpose Overall Initial Loan Grade Overall Final Loan Grade Credit Initial Loan Grade Credit Final Loan Grade Compliance Initial Loan Grade Compliance Final Loan Grade Property Initial Loan Grade Property Final Loan Grade Originator QM ATR Status TPR QM ATR Status Is Curable
1272088 XXXXXXXXXX XXXXXXXXXX 6142180 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX OR I 1 C   A   B   A   C   A   A   A     Exempt 1
1272088 XXXXXXXXXX XXXXXXXXXX 6112316 867 XXXXXXXXXX Credit 4506   4506 - Other:   In 4506-C Line 7 checkbox for W2 was not checked . Provided.   Reviewer 08/XX/2021 09:50 AM; Correction made to the 4506-C for the co-borrower, however it was not for the primary borrower. Please provide the corrected 4506-C for xxxx. 08/XX/2021     A 1 XXXXXXXXXX OR I 1 C   A   B   A   C   A   A   A     Exempt 1
1272096 XXXXXXXXXX XXXXXXXXXX 6112363 187 XXXXXXXXXX Credit Flood Certificate   Flood Certificate - is missing.           08/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1272102 XXXXXXXXXX XXXXXXXXXX 6142183 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   B   A   C   A   C   A     Temporary QM Safe Harbor 1
1272102 XXXXXXXXXX XXXXXXXXXX 6112391 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           08/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   B   A   C   A   C   A     Temporary QM Safe Harbor 1
1272102 XXXXXXXXXX XXXXXXXXXX 6112392 967 XXXXXXXXXX Credit Compliance   Compliance - CD- Dated incorrectly (Issue Date, Closing Date, Disbursement Date)   Funding date 06/XX/2021 is prior to the consummation date 07/XX/2021 in final CD dated 06/XX/2021. Please provide the correct PCCD for the same.       08/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   B   A   C   A   C   A     Temporary QM Safe Harbor 1
1272105 XXXXXXXXXX XXXXXXXXXX 6112408 867 XXXXXXXXXX Credit 4506   4506 - Other:   Line-7 is not checked by borrower in 4506-C.       08/XX/2021     A 1 XXXXXXXXXX CA I 13 B   A   B   A   A   A   A   A     Temporary QM Safe Harbor 1
1272111 XXXXXXXXXX XXXXXXXXXX 6142186 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 13 A   A   A   A   A   A   A   A     Temporary QM Safe Harbor 1
1272119 XXXXXXXXXX XXXXXXXXXX 6112479 697 XXXXXXXXXX Credit VOE - verbal or FNMA 1005   VOE - verbal or FNMA 1005 - Compliance \ VOE - verbal or FNMA 1005 - Self Employed Borrower or Coborrower   Borrower's self employed VOE is missing       08/XX/2021     A 1 XXXXXXXXXX UT I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1272119 XXXXXXXXXX XXXXXXXXXX 6112474 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           08/XX/2021     A 1 XXXXXXXXXX UT I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1272119 XXXXXXXXXX XXXXXXXXXX 6112475 967 XXXXXXXXXX Credit Compliance   Compliance - CD- Dated incorrectly (Issue Date, Closing Date, Disbursement Date)   Closing date (06/XX/2021) on 1st page of Final CD is not matching with consummation date (07/XX/2021). Please provide correct PCCD for the same.       08/XX/2021     A 1 XXXXXXXXXX UT I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1272119 XXXXXXXXXX XXXXXXXXXX 6112476 973 XXXXXXXXXX Compliance Compliance   Compliance - CD- Other   Disbursement date 06/XX/2021 is prior to the Consummation date 07/XX/2021, on CD dated 06/XX/2021. Please provide the Correct PCCD for the same.       08/XX/2021     A 1 XXXXXXXXXX UT I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1272122 XXXXXXXXXX XXXXXXXXXX 6112494 868 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - Other:   Hazard insurance on file does not have a sufficient amount for coverage for the rental property. The coverage is $xxx (with out any additional coverage) and the note amount is $xxx. Need proof of sufficient coverage for the dwelling. Replacement cost estimate is part of the HOI policy.     08/XX/2021     A 1 XXXXXXXXXX TX I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1272128 XXXXXXXXXX XXXXXXXXXX 6142190 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 3 C   A   A   A   A   A   C   A     Exempt 1
1272131 XXXXXXXXXX XXXXXXXXXX 6140988 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   UW Collateral TPR UW - Second collateral evaluation is required. COMMENT CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 A   A   A   A   A   A   A   A     Exempt 1
1242904 XXXXXXXXXX XXXXXXXXXX 6114830 1062 09/XX/2021 Compliance Compliance   Compliance - CD-Clerical error correction made more than 60 days post consummation       Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2 Reviewer 09/XX/2021 08:39 AM; Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2     09/XX/2021 B 2 05/XX/2021 CA I 13 D   B   C   A   C   B   D   A     Temporary QM Safe Harbor 1
1242907 XXXXXXXXXX XXXXXXXXXX 6117290 1062 09/XX/2021 Compliance Compliance   Compliance - CD-Clerical error correction made more than 60 days post consummation       Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2 Reviewer 09/XX/2021 09:23 AM; Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2     09/XX/2021 B 2 05/XX/2021 CA I 3 C   B   A   A   C   B   C   A     Exempt 1
1242987 XXXXXXXXXX XXXXXXXXXX 6067601 1109 08/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Third collateral evaluation is required.   Variance exceeded. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 05/XX/2021 UT I 13 C   B   C   A   C   B   C   A     Temporary QM Safe Harbor 1
1242987 XXXXXXXXXX XXXXXXXXXX 6137772 896 09/XX/2021 Compliance Compliance   Compliance - TRID CD-Timing   Please provide evidence the borrowers received the 05/xx CD. If not provided an additional refund in the amount of $xxx is required. Information Provided     09/XX/2021     A 1 05/XX/2021 UT I 13 C   B   C   A   C   B   C   A     Temporary QM Safe Harbor 1
1242987 XXXXXXXXXX XXXXXXXXXX 6137773 898 09/XX/2021 Compliance Compliance   Compliance - TRID- Fee Tolerance Violation   Both a Zero and Ten percent tolerance violation has occurred. 0% tolerance violation of $xxx for the increase in the appraisal fee and 10% tolerance violation of $xxx for the increase in the recording fee. Please provide evidence of $xxx refund, LOX to borrower and PCCD reflecting the cure. All issued within 60 days of consummation. Information Provided   Reviewer 09/XX/2021 08:42 AM; LOX and PCCD reflecting cure provided. Please provide proof of refund to the borrower. 09/XX/2021     A 1 05/XX/2021 UT I 13 C   B   C   A   C   B   C   A     Temporary QM Safe Harbor 1
1242987 XXXXXXXXXX XXXXXXXXXX 6137777 896 09/XX/2021 Compliance Compliance   Compliance - TRID CD-Timing   Please provide evidence the borrower received the 05/xxx CD, if not provided an additional refund in the amount of $xxx is required. Information Provided     09/XX/2021     A 1 05/XX/2021 UT I 13 C   B   C   A   C   B   C   A     Temporary QM Safe Harbor 1
1242987 XXXXXXXXXX XXXXXXXXXX 6137778 901 09/XX/2021 Compliance Compliance   Compliance - TRID Other   Please provide evidence the borrowers received the 04/xxx CD. If not provided an additional refund in the amount of $xxx is required. Information Provided     09/XX/2021     A 1 05/XX/2021 UT I 13 C   B   C   A   C   B   C   A     Temporary QM Safe Harbor 1
1242987 XXXXXXXXXX XXXXXXXXXX 6157633 1061 09/XX/2021 Compliance Compliance   Compliance - TRID Fee Tolerance Violation cured more than 60 days post consummation       Per SFA scope, remediation for good faith fee tolerance violation made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2 Reviewer 09/XX/2021 01:58 PM; Per SFA scope, remediation for good faith fee tolerance violation made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2     09/XX/2021 B 2 05/XX/2021 UT I 13 C   B   C   A   C   B   C   A     Temporary QM Safe Harbor 1
1243002 XXXXXXXXXX XXXXXXXXXX 6079673 1062 09/XX/2021 Compliance Compliance   Compliance - CD-Clerical error correction made more than 60 days post consummation       Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2 Reviewer 09/XX/2021 09:16 AM; Outstanding.

 Reviewer 09/XX/2021 02:57 PM; Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2		     09/XX/2021 B 2 05/XX/2021 NV I 1 C   B   C   A   C   B   A   A     Exempt 1
1243033 XXXXXXXXXX XXXXXXXXXX 6127694 1061 09/XX/2021 Compliance Compliance   Compliance - TRID Fee Tolerance Violation cured more than 60 days post consummation       Per SFA scope, remediation for good faith fee tolerance violation made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2 Reviewer 09/XX/2021 12:45 PM; Per SFA scope, remediation for good faith fee tolerance violation made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2     09/XX/2021 B 2 05/XX/2021 CO I 13 C   B   B   A   C   B   C   A     Exempt 1
1243093 XXXXXXXXXX XXXXXXXXXX 6152238 1062 09/XX/2021 Compliance Compliance   Compliance - CD-Clerical error correction made more than 60 days post consummation       Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2 Reviewer 09/XX/2021 10:53 AM; Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2     09/XX/2021 B 2 05/XX/2021 CA I 3 C   B   A   A   C   B   A   A     Exempt 1
1243116 XXXXXXXXXX XXXXXXXXXX 6090912 1062 09/XX/2021 Compliance Compliance   Compliance - CD-Clerical error correction made more than 60 days post consummation     Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2   Reviewer 10/XX/2021 11:21 AM; Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2     10/XX/2021 B 2 05/XX/2021 ID I 1 D   B   D   A   C   B   A   A     Exempt 1
1243368 XXXXXXXXXX XXXXXXXXXX 6118160 1062 09/XX/2021 Compliance Compliance   Compliance - CD-Clerical error correction made more than 60 days post consummation       Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade= EV2 Reviewer 09/XX/2021 06:28 AM; Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade= EV2     09/XX/2021 B 2 05/XX/2021 AL I 1 C   B   C   A   C   B   A   A     Exempt 1
1243374 XXXXXXXXXX XXXXXXXXXX 6042906 1010 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Debt clarification - Provide explanation for ommission of debt from AUS   Missing evidence to support the omission of the following investment propertiesXXXX;XXXXandXXXX Per 1008 Transmittal the properties were owned by the borrowers son, however documentation evidencing payments made by the son for a minimum of 12 months was not provided. documentation provided   Client 09/XX/2021 07:54 AM; Bank statements in file received 9/XX/2021. XXXX Bank Checking#XXXX for XXXX and XXXX verify 12 consecutive payments for 6/2020 to 5/2021 made. Mortgage statements included XXXX#XXXX, XXXX#XXXX and XXXX#XXXX for the three properties.

 Reviewer 09/XX/2021 08:09 AM; documentation provided		 09/XX/2021     A 1 XXXXXXXXXX TX I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1243445 XXXXXXXXXX XXXXXXXXXX 6122272 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Borrower singed documents on 3/xx. Please provide proof borrower gave e-consent on 3/xx or earlier.       09/XX/2021     A 1 XXXXXXXXXX MA I 3 D   A   C   A   D   A   C   A     Exempt 1
1243457 XXXXXXXXXX XXXXXXXXXX 6043089 316 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Liquidation   File is short liquid funds to close. Estimated funds to close are $xxx and UW has calculated maximum permitted funds to close as $xxx. This includes required reserves of $xxx. This leaves a shortage of $xxx. Provide evidence of liquidation of at least $xxx in Stock/Bond assets,or provide additional liquid assets or provide evidence that cash to close will be lower. documentation provided   Client 09/XX/2021 09:59 AM; Documentation provided please review

 Reviewer 09/XX/2021 01:48 PM; condition cleared		 09/XX/2021     A 1 XXXXXXXXXX AZ I 1 C   A   C   A   A   A   A   A     Exempt 1
1243457 XXXXXXXXXX XXXXXXXXXX 6043090 318 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Source of Large Deposit   Large deposits must be documented as well as sourced.  Lender has provided a LOX for $xxx dated  2/xx and $xxx dated 3/xx however the documentation to support the source has not been provided received   Client 09/XX/2021 09:59 AM; Documentation provided please review

 Reviewer 09/XX/2021 01:49 PM; condition cleared		 09/XX/2021     A 1 XXXXXXXXXX AZ I 1 C   A   C   A   A   A   A   A     Exempt 1
1243457 XXXXXXXXXX XXXXXXXXXX 6043092 327 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Satisfactory 12 mth Rental   Provide 12 month VOR to verify rental history for XXXX received   Client 09/XX/2021 10:07 AM; Documentation provided please review

 Reviewer 09/XX/2021 01:53 PM; condition cleared		 09/XX/2021     A 1 XXXXXXXXXX AZ I 1 C   A   C   A   A   A   A   A     Exempt 1
1243597 XXXXXXXXXX XXXXXXXXXX 6052755 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Documentation is missing showing the following land located at XXXX is owned free & clear. received   Client 09/XX/2021 02:29 PM; Borrower provided tax bill, proof of owned free and clear is not necessary unless there was a mortgage reporting on credit

 Reviewer 09/XX/2021 03:09 PM; condition amended

 Reviewer 09/XX/2021 03:10 PM; still need proof owned free and clear, just because there is no mortgage on credit report does not mean it's owned free and clear		 09/XX/2021     A 1 XXXXXXXXXX AZ I 1 C   A   C   A   A   A   C   A     Exempt 1
1243597 XXXXXXXXXX XXXXXXXXXX 6052756 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Documentation is missing showing the following land located at XXXX is &#XXXX;owned free & clear received   Client 09/XX/2021 02:30 PM; Borrower provided tax bill, proof of owned free and clear is not necessary unless there was a mortgage reporting on credit

 Reviewer 09/XX/2021 03:09 PM; condition amended

 Reviewer 09/XX/2021 03:10 PM; still need proof owned free and clear, just because there is no mortgage on credit report does not mean it's owned free and clear		 09/XX/2021     A 1 XXXXXXXXXX AZ I 1 C   A   C   A   A   A   C   A     Exempt 1
1243597 XXXXXXXXXX XXXXXXXXXX 6052757 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Documentation is missing showing the following property located at XXXX is owned free & clear. received   Client 09/XX/2021 02:31 PM; Borrower provided tax bill, and insurance dec page, showing no mortgagee,  proof of owned free and clear is not necessary unless there was a mortgage reporting on credit

 Reviewer 09/XX/2021 03:10 PM; still need proof owned free and clear, just because there is no mortgage on credit report does not mean it's owned free and clear

 Reviewer 09/XX/2021 03:11 PM; condition amended

 Client 09/XX/2021 10:40 AM; Insurance declaration page provided as evidence of property being Free and Clear. Please clear deficiency.

 Reviewer 09/XX/2021 03:24 PM; conditions cleared		 09/XX/2021     A 1 XXXXXXXXXX AZ I 1 C   A   C   A   A   A   C   A     Exempt 1
1243597 XXXXXXXXXX XXXXXXXXXX 6052758 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Documentation is missing showing the following land located at XXXX is owned free & clear. received   Client 09/XX/2021 02:30 PM; Borrower provided tax bill, proof of owned free and clear is not necessary unless there was a mortgage reporting on credit

 Reviewer 09/XX/2021 03:10 PM; still need proof owned free and clear, just because there is no mortgage on credit report does not mean it's owned free and clear

 Reviewer 09/XX/2021 03:11 PM; condition amended		 09/XX/2021     A 1 XXXXXXXXXX AZ I 1 C   A   C   A   A   A   C   A     Exempt 1
1243597 XXXXXXXXXX XXXXXXXXXX 6052759 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Documentation is missing showing the following property at XXXX is owned free & clear. received   Reviewer 09/XX/2021 03:10 PM; still need proof owned free and clear, just because there is no mortgage on credit report does not mean it's owned free and clear 09/XX/2021     A 1 XXXXXXXXXX AZ I 1 C   A   C   A   A   A   C   A     Exempt 1
1243623 XXXXXXXXXX XXXXXXXXXX 6046342 387 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Taxes and Insurance documentation   XXXX-is missing proof of amount of HOA dues ( note also  not reflected on 2020 tax returns). Effect to DTI unknown. received   Client 09/XX/2021 01:05 PM; Document uploaded to evolve verifying HOA dues.&#x0D;


 Reviewer 09/XX/2021 12:31 PM; condition cleared		 09/XX/2021     A 1 XXXXXXXXXX SC I 3 C   A   C   A   A   A   C   A     Exempt 1
1243660 XXXXXXXXXX XXXXXXXXXX 6183084 1062 10/XX/2021 Compliance Compliance   Compliance - CD-Clerical error correction made more than 60 days post consummation     Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2   Reviewer 10/XX/2021 03:39 PM; Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2     10/XX/2021 B 2 06/XX/2021 UT I 13 C   B   A   A   C   B   A   A     Temporary QM Safe Harbor 1
1243680 XXXXXXXXXX XXXXXXXXXX 6122005 1062 09/XX/2021 Compliance Compliance   Compliance - CD-Clerical error correction made more than 60 days post consummation       Per SFA scope, remediation for good faith fee tolerance violation made more than 60 days post con-summation but within 60 days of discovery by TPR firm, then RA final grade = EV2       09/XX/2021 B 2 06/XX/2021 OR I 13 C   B   B   A   C   B   A   A     Temporary QM Safe Harbor 1
1243697 XXXXXXXXXX XXXXXXXXXX 6045506 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   P+L to state the name of the businesses document provided   Client 10/XX/2021 04:25 PM; 1008 in file indicates the P&amp;L for xxx is the document reflecting $xxx (page 4 of the P&amp;Ls 2020 P&amp;L for xxx) for 2020 along with the $xxx YTD. The documents reflecting $xxx YTD and $xxx for 2020 are for the xxx Law Office. The purpose of the P&amp;L is due to Covid overlays to assure continued business operations/self-employed income due to Covid impacts - both business are operational (evidence uploaded) and appear to work hand in

 Reviewer 10/XX/2021 01:27 PM; Profit and Loss to include the name of the borrower's se'd business.  

 Reviewer 10/XX/2021 07:12 AM; deficiency cleared in tdocs 		10/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   C   A   A   A   C   A     Exempt 1
1243697 XXXXXXXXXX XXXXXXXXXX 6045507 384 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Self-Employment status required   Proof of continued business existence for xxx is expired. Provide updated continued proof business is open/active. At time of closing, this must be current within 60 days. Received   Client 10/XX/2021 01:00 PM; xxx taxable entity search results uploaded reflecting business as active

 Reviewer 10/XX/2021 06:34 AM; deficiency cleared in tdocs 		10/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   C   A   A   A   C   A     Exempt 1
1243726 XXXXXXXXXX XXXXXXXXXX 5994215 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX CO I 3 C   A   C   A   A   A   C   A     Exempt 1
1243726 XXXXXXXXXX XXXXXXXXXX 6048746 328 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Satisfactory 12 mth Mortgage   Please provide 12 month mortgage history for the following (XXXX, XXXX, XXXX,XXXX ) received     09/XX/2021     A 1 XXXXXXXXXX CO I 3 C   A   C   A   A   A   C   A     Exempt 1
1243726 XXXXXXXXXX XXXXXXXXXX 6048747 758 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit - PITIA for other REO incorrect/not included in debt ratio   Please provide the PITI for the following properties (XXXX, XXXX, XXXX, xxx land , XXXX,XXXX, XXXX, XXXX, XXXX, XXXX,  XXXX, RECEIVED DOCUMENTATION     09/XX/2021     A 1 XXXXXXXXXX CO I 3 C   A   C   A   A   A   C   A     Exempt 1
1243786 XXXXXXXXXX XXXXXXXXXX 6003306 203 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - Policy does not reference at least one borrower   Only hazard in file is condo master policy Information Provided     09/XX/2021     A 1 XXXXXXXXXX MA I 3 D   A   D   A   A   A   A   A     Exempt 1
1243786 XXXXXXXXXX XXXXXXXXXX 5989593 436 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete VOE   Missing written VOE supporting monthly income $xxx. Information Provided   Client 09/XX/2021 08:07 PM; AUS requesting current paystub dated within 30 days of application and most recent year W2. both were located in file and support the base income used to qualify of $xxx.

 Reviewer 09/XX/2021 07:55 AM; condition cleared		 09/XX/2021     A 1 XXXXXXXXXX MA I 3 D   A   D   A   A   A   A   A     Exempt 1
1243786 XXXXXXXXXX XXXXXXXXXX 5989594 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide final CD from the recent refinance of borrowers primary home at XXXX. received   Client 09/XX/2021 09:23 AM; Provided in this upload under second Closing Disclosure tab

 Reviewer 09/XX/2021 11:23 AM; condition cleared		 09/XX/2021     A 1 XXXXXXXXXX MA I 3 D   A   D   A   A   A   A   A     Exempt 1
1243786 XXXXXXXXXX XXXXXXXXXX 5989595 1015 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - IRS Transcripts required   Provide 2020 and 2019 IRS 1040 transcripts.  Rental income used in decision. Overlay     09/XX/2021     A 1 XXXXXXXXXX MA I 3 D   A   D   A   A   A   A   A     Exempt 1
1243823 XXXXXXXXXX XXXXXXXXXX 5994262 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   C   A     Exempt 1
1243823 XXXXXXXXXX XXXXXXXXXX 6045740 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   Per appraisal subject property is a 2 Unit, LP findings and 1008 reflect subject as a 1 Unit. All supporting docs shows two family- sufficient reserves supplied   Client 09/XX/2021 05:17 PM; Requesting condition be waived. Per appraisal the property is describe to be a 2 unit. Rental appraisal report confirms two units. There is a discrepancy with only 1 unit being listed on AUS &amp; 1008. However, the internal fraud report has a collateral score of 400 and the comps support the appraised value and market rents. Borrower has strong credit, low LTV/HLTV and 6 + months of reserves.

 Reviewer 10/XX/2021 06:55 AM; deficiency cleared 		10/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   C   A     Exempt 1
1243823 XXXXXXXXXX XXXXXXXXXX 6045752 320 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Other   LP findings need to have total available assets entered to support reserves required of $xxx and funds to close of $xxx. -0- assets were entered. Borrower has XXXX $xxx and XXXX Savings $xxx, Checking $xxx, Savings $xxx and Checking $xxx assets provided in file to cover reserves   Client 09/XX/2021 05:16 PM; Requesting condition be waived. Per appraisal the property is describe to be a 2 unit. Rental appraisal report confirms two units. There is a discrepancy with only 1 unit being listed on AUS &amp; 1008. However, the internal fraud report has a collateral score of 400 and the comps support the appraised value and market rents. Borrower has strong credit, low LTV/HLTV and 6 + months of reserves.

 Client 09/XX/2021 05:26 PM; (PLEASE DISREGARD 1ST WAIVER REQUEST. ERROR) Requesting condition be waived. Per final AUS assets available is $0. However assets were verified with bank statements on file. XXXX Acct#XXXX ending balance $xxx + Checking Acct#xxx $xxx + Checking Acct# xxx $xxx + XXXX Acct# XXXX balance $xxx as of 4/XX/2021. Total assets verified within 60 days of note date is $ xxx. This is 9+ months in reserves.  Borrower has

 Reviewer 10/XX/2021 06:54 AM; deficiency cleared

 Reviewer 10/XX/2021 06:56 AM; duplicate request 		10/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   C   A     Exempt 1
1243866 XXXXXXXXXX XXXXXXXXXX 5994286 1108 08/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 06/XX/2021 CA I 1 C   B   A   A   C   B   C   A     Exempt 1
1243866 XXXXXXXXXX XXXXXXXXXX 6017454 975 08/XX/2021 Compliance Compliance   Compliance - CD- Payee Name missing or incorrect   Payee name showing "TBD" for Escrow Holdback Fee in section H in CD dated 06/XX/2021, please provide correct PCCD for the same         09/XX/2021   B 2 06/XX/2021 CA I 1 C   B   A   A   C   B   C   A     Exempt 1
1243866 XXXXXXXXXX XXXXXXXXXX 6017455 902 08/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 06/XX/2021 CA I 1 C   B   A   A   C   B   C   A     Exempt 1
1243895 XXXXXXXXXX XXXXXXXXXX 6020792 891 08/XX/2021 Compliance Compliance   Compliance - TRID LE-  Initial LE not disclosed within 3 days of Application   Loan Estimate dated 04/XX/2021 is not withing 3 days of Initial 1003 dated 03/XX/2021     Reviewer 09/XX/2021 04:05 PM; Rec'd another initial 1003 dated 4/XX/2021, however, we have a 1003 that was in the file initially and the page of that application was signed on 3/XX/2021. Please provide satisfactory LOX for review. Additional conditions may apply.   10/XX/2021   B 2 05/XX/2021 CA I 1 C   B   C   A   C   B   C   A     Exempt 1
1243895 XXXXXXXXXX XXXXXXXXXX 5994299 1108 08/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 05/XX/2021 CA I 1 C   B   C   A   C   B   C   A     Exempt 1
1243895 XXXXXXXXXX XXXXXXXXXX 5989946 957 07/XX/2021 Credit Closing Package   Closing Package - First Payment Letter Missing or Incorrect   First Payment Letter Missing     Reviewer 07/XX/2021 12:57 PM; still need first payment letter 07/XX/2021     A 1 05/XX/2021 CA I 1 C   B   C   A   C   B   C   A     Exempt 1
1243895 XXXXXXXXXX XXXXXXXXXX 5989947 959 07/XX/2021 Credit Closing Package   Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect   IEADS Initial Escrow Account Disclosure Missing       07/XX/2021     A 1 05/XX/2021 CA I 1 C   B   C   A   C   B   C   A     Exempt 1
1243895 XXXXXXXXXX XXXXXXXXXX 6053094 758 08/XX/2021 Credit UW Credit   UW Credit - UW - Credit - PITIA for other REO incorrect/not included in debt ratio   Loan is missing verification of PITIA for property located at xxx.  AND  Loan is missing verification of PITIA for property located at xxx. received     09/XX/2021     A 1 05/XX/2021 CA I 1 C   B   C   A   C   B   C   A     Exempt 1
1243895 XXXXXXXXXX XXXXXXXXXX 6053100 328 08/XX/2021 Credit UW Credit   UW Credit - UW - Satisfactory 12 mth Mortgage   Loan is missing verification of 12 mo payment history for xxx associated with xxx.  AND  Loan is missing verification of 12 mo payment history for xxx and xxx associated with xxx. documentation provided     09/XX/2021     A 1 05/XX/2021 CA I 1 C   B   C   A   C   B   C   A     Exempt 1
1243895 XXXXXXXXXX XXXXXXXXXX 6053103 906 08/XX/2021 Credit UW Other   UW Other - UW – Closing Disclosure to showing the following debts being paid off   Loan is missing verification that the following property showing on 2019 1040 schedule E has been sold xxx. Property profile provided to show property sold Feb 2021.     09/XX/2021     A 1 05/XX/2021 CA I 1 C   B   C   A   C   B   C   A     Exempt 1
1243895 XXXXXXXXXX XXXXXXXXXX 6053108 758 08/XX/2021 Credit UW Credit   UW Credit - UW - Credit - PITIA for other REO incorrect/not included in debt ratio   Loan is missing verification of PITIA for property located at xxx.  (1003 shows this as owned by borrower as primary residence for 20yrs) documentation provided     09/XX/2021     A 1 05/XX/2021 CA I 1 C   B   C   A   C   B   C   A     Exempt 1
1243938 XXXXXXXXXX XXXXXXXXXX 6051186 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide a YTD Balance Sheet, signed by the borrower for XXXX so underwriter may perform a liquidity test. received   Reviewer 09/XX/2021 03:12 PM; Documentation received was a Profit and Loss statement.  Please provide a signed YTD 2021 balance sheet.

 Client 09/XX/2021 05:09 PM; 2020 tax returns is not reporting any items on Schedule "L" (balance sheet items) and self employment from this business was reported as schedule "C" income for borrower in 2019.

 Reviewer 09/XX/2021 07:48 AM; condition has been cleared		 09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   A   A   A   A     Exempt 1
1243938 XXXXXXXXXX XXXXXXXXXX 6051188 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide proof of continued business existence within last 60 days for XXXX. This can be recently renewed biz licenses, invoices/receipts/contracts showing ongoing business activity. It may also be a website updated in the last 60 days showing business is open/active, or a processor cert or CPA letter stating business was called or visited and open for business.       09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   A   A   A   A     Exempt 1
1243938 XXXXXXXXXX XXXXXXXXXX 6051190 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Property taxes, HOA and Insurance information for XXXX.       09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   A   A   A   A     Exempt 1
1243972 XXXXXXXXXX XXXXXXXXXX 6065295 397 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Inquiries not properly addressed   UW Credit UW - Credit Inquiries not properly addressed COMMENT: Missing an executed Credit inquiry letter: 5/XX/2021 XXXX, XXXX, XXXX 4/XX/2021  XXXX 4/XX/2021XXXXX 4/XX/2021 XXXX/xxxx xxx LOANS 4/XX/2021 XXXX/ xxxxxxx 4/XX/2021 XXXX Documentation has been provided.       10/XX/2021     A 1 XXXXXXXXXX TN I 13 B   A   B   A   A   A   A   A     Temporary QM Safe Harbor 1
1243978 XXXXXXXXXX XXXXXXXXXX 6101366 895 XXXXXXXXXX Compliance Compliance   Compliance - TRID CD- Need proof CD was received 3 days prior to consummation   The 6/xx CD in file was not signed and dated by the borrower. Please provide proof of borrower receipt. Other conditions may apply. Information Provided     09/XX/2021     A 1 XXXXXXXXXX OR I 13 C   A   A   A   C   A   C   A     Temporary QM Safe Harbor 1
1243978 XXXXXXXXXX XXXXXXXXXX 6104112 898 XXXXXXXXXX Compliance Compliance   Compliance - TRID- Fee Tolerance Violation   Zero tolerance violation due to addition of hybrid closing fee with no valid coc.  Please provide proof of $xxx refund along with letter of explanation to borrower along with PCCD reflecting cure.  All must be issued within 60 days of consummation. Information Provided   Reviewer 09/XX/2021 10:10 AM; COC provided does not reflect a valid reason for the addition of fee. Refund required. 09/XX/2021     A 1 XXXXXXXXXX OR I 13 C   A   A   A   C   A   C   A     Temporary QM Safe Harbor 1
1243978 XXXXXXXXXX XXXXXXXXXX 5994339 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX OR I 13 C   A   A   A   C   A   C   A     Temporary QM Safe Harbor 1
1243978 XXXXXXXXXX XXXXXXXXXX 6021491 879 XXXXXXXXXX Compliance Application   Application - Other:   Initial Loan Application is missing in e-file. Information Provided     09/XX/2021     A 1 XXXXXXXXXX OR I 13 C   A   A   A   C   A   C   A     Temporary QM Safe Harbor 1
1243978 XXXXXXXXXX XXXXXXXXXX 6021505 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided   Reviewer 09/XX/2021 12:00 PM; Escalated 09/XX/2021     A 1 XXXXXXXXXX OR I 13 C   A   A   A   C   A   C   A     Temporary QM Safe Harbor 1
1243986 XXXXXXXXXX XXXXXXXXXX 6021417 902 08/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 07/XX/2021 NC I 1 C   B   A   A   C   B   A   A     Exempt 1
1243986 XXXXXXXXXX XXXXXXXXXX 6021418 975 08/XX/2021 Compliance Compliance   Compliance - CD- Payee Name missing or incorrect   Payee name is Incorrect for "State Tax/Stamps" in section E on CD dated 07/XX/2021 Please Provide correct PCCD With Correction. Information Provided   Reviewer 09/XX/2021 08:28 AM; Document not provided. 09/XX/2021     A 1 07/XX/2021 NC I 1 C   B   A   A   C   B   A   A     Exempt 1
1243986 XXXXXXXXXX XXXXXXXXXX 6069430 330 08/XX/2021 Credit UW Credit   UW Credit - UW - Credit Other   There is no statements in the file for XXXX on XXXX or XXXX Documentation has been provided.       09/XX/2021     A 1 07/XX/2021 NC I 1 C   B   A   A   C   B   A   A     Exempt 1
1243986 XXXXXXXXXX XXXXXXXXXX 6069431 320 08/XX/2021 Credit UW Assets   UW Assets - UW - Asset Other   There is no source or explanation for wires on 5/XX/21 for $xxx and on 4/xx/21 for $xxx Documentation has been provided.       09/XX/2021     A 1 07/XX/2021 NC I 1 C   B   A   A   C   B   A   A     Exempt 1
1243986 XXXXXXXXXX XXXXXXXXXX 6128276 1062 09/XX/2021 Compliance Compliance   Compliance - CD-Clerical error correction made more than 60 days post consummation       Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2 Reviewer 09/XX/2021 03:18 PM; Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2     09/XX/2021 B 2 07/XX/2021 NC I 1 C   B   A   A   C   B   A   A     Exempt 1
1244001 XXXXXXXXXX XXXXXXXXXX 6059618 318 08/XX/2021 Credit UW Assets   UW Assets - UW - Source of Large Deposit   There is no source for $xxx deposit on 6/xx, $xxx on 6/xx and $xxx on 6/xx received     09/XX/2021     A 1 06/XX/2021 WA I 1 C   B   A   A   C   B   C   A     Exempt 1
1244001 XXXXXXXXXX XXXXXXXXXX 6146507 1062 09/XX/2021 Compliance Compliance   Compliance - CD-Clerical error correction made more than 60 days post consummation     Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2   Reviewer 10/XX/2021 11:36 AM; Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2     10/XX/2021 B 2 06/XX/2021 WA I 1 C   B   A   A   C   B   C   A     Exempt 1
1244001 XXXXXXXXXX XXXXXXXXXX 6021578 902 08/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided   Client 09/XX/2021 08:13 PM; See LOE for explanation and source of large deposits provided at the time of review.

 Reviewer 09/XX/2021 07:49 AM; condition cleared

 Reviewer 09/XX/2021 10:31 AM; Good Morning, Escalation does not match condition, however, it looks like credit has cleared the corresponding condition. Thank you, XXXX		 09/XX/2021     A 1 06/XX/2021 WA I 1 C   B   A   A   C   B   C   A     Exempt 1
1244001 XXXXXXXXXX XXXXXXXXXX 6021579 975 08/XX/2021 Compliance Compliance   Compliance - CD- Payee Name missing or incorrect   Payee name is missing for "Flood Certification Fee" in Section B in CD dated 06/XX/2021. Please provide correct PCCD for the same. Information Provided     09/XX/2021     A 1 06/XX/2021 WA I 1 C   B   A   A   C   B   C   A     Exempt 1
1244001 XXXXXXXXXX XXXXXXXXXX 5994346 1108 08/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 06/XX/2021 WA I 1 C   B   A   A   C   B   C   A     Exempt 1
1244021 XXXXXXXXXX XXXXXXXXXX 6052651 320 08/XX/2021 Credit UW Assets   UW Assets - UW - Asset Other   The following asset account information was expired at closing RTN FCU - xxx-1; RTN FCU - xxx-2; RTN FCU - xxx-1 and RTN FCU - xxx-2. Note Date 06/XX/2021. Asset expiration date 6/XX/2021.     Client 10/XX/2021 02:10 PM; Response:&#x0D;
Requesting Waiver and downgrade to Rating A. 60 day expiration date is short 1 day.  Additionally, FNMA/FHLMC have removed the 60 days Doc Expiration Date.  Product Matrix has been updated:&#x0D;
Age of Documents • All credit documents must be dated within 120 days of the note date • Preliminary Title Policies must be no more than 180 days old on the date that the note is signed&#x0D;
Job stability B 28 yrs and CB 30 yrs, 27.06 DTI, Residual Income xxx,  63.63%

 Reviewer 10/XX/2021 04:31 PM; exception noted 		    10/XX/2021 B 2 06/XX/2021 MA I 1 C   B   C   B   A   A   A   A     Exempt 1
1244058 XXXXXXXXXX XXXXXXXXXX 5994372 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX CO I 3 C   A   A   A   C   A   C   A     Exempt 1
1244058 XXXXXXXXXX XXXXXXXXXX 6021186 891 XXXXXXXXXX Compliance Compliance   Compliance - TRID LE-  Initial LE not disclosed within 3 days of Application   Initial Application date (04/XX/2021) is not within three business days of the loan application date (04/XX/2021). application date is 4/XX/2021 per original signed 1003 & disclosure tracking   Client 09/XX/2021 09:32 AM; Application date is 4/xx, please re-review and advise

 Reviewer 09/XX/2021 11:19 AM;

 Reviewer 09/XX/2021 03:23 PM; Hello, Condition has been cleared. Thank you, XXXX		 09/XX/2021     A 1 XXXXXXXXXX CO I 3 C   A   A   A   C   A   C   A     Exempt 1
1244058 XXXXXXXXXX XXXXXXXXXX 6021187 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX CO I 3 C   A   A   A   C   A   C   A     Exempt 1
1258267 XXXXXXXXXX XXXXXXXXXX 6050193 953 07/XX/2021 Compliance Client   Client - Seasoned loan. Updated Pay History will be required prior to purchase in order to clear this condition.         Reviewer 07/XX/2021 06:47 PM; will need updated when all stips cleared 08/XX/2021     A 1 04/XX/2021 FL I 3 C   B   A   A   C   A   B B   Exempt 1
1258267 XXXXXXXXXX XXXXXXXXXX 6057645 986 08/XX/2021 Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent from "09/XX/2020" or prior signed by the borrower. Information Provided     10/XX/2021     A 1 04/XX/2021 FL I 3 C   B   A   A   C   A   B B   Exempt 1
1258267 XXXXXXXXXX XXXXXXXXXX 6057999 330 08/XX/2021 Credit UW Credit   UW Credit - UW - Credit Other   For xxx - xxx we received 1 months of account statements dated as of 3/XX/21. AUS requires 2 months of statements. Please provide a consecutive additional statement. received   Client 09/XX/2021 04:13 PM; Two consecutive months from 01/XX/21 - 03/XX/21 was provided for xxx acct ending in #xxx. (See page 35 - 43 of Bank Statements Uploaded in Images).

 Reviewer 09/XX/2021 08:38 AM; condition cleared		 09/XX/2021     A 1 04/XX/2021 FL I 3 C   B   A   A   C   A   B B   Exempt 1
1258267 XXXXXXXXXX XXXXXXXXXX 6069132 1108 08/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Loan originated with PIW. (Internal condition only - No action required by Correspondent) AVM received and within tolerance     08/XX/2021     B 1 04/XX/2021 FL I 3 C   B   A   A   C   A   B B   Exempt 1
1258270 XXXXXXXXXX XXXXXXXXXX 6062995 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   There is no verification of rent for primary residence Received VOR   Client 09/XX/2021 02:57 PM; VOR provided and uploaded to MRN on 9/xx.  Supports the amount of rent used in qualifying.

 Reviewer 09/XX/2021 07:48 AM; deficiency cleared in Tdocs 		09/XX/2021     A 1 XXXXXXXXXX TX I 1 A   A   A   A   A   A   A   A     Exempt 1
1258270 XXXXXXXXXX XXXXXXXXXX 6050214 953 XXXXXXXXXX Compliance Client   Client - Seasoned loan. Updated Pay History will be required prior to purchase in order to clear this condition.           08/XX/2021     A 1 XXXXXXXXXX TX I 1 A   A   A   A   A   A   A   A     Exempt 1
1258273 XXXXXXXXXX XXXXXXXXXX 6050232 72 XXXXXXXXXX Compliance Closing Package   Closing Package -   please provide payment history     Reviewer 07/XX/2021 05:28 AM; will need updated when all stips cleared 07/XX/2021     A 1 XXXXXXXXXX NM I 1 C   A   A   A   C   A   C   A     Exempt 1
1258273 XXXXXXXXXX XXXXXXXXXX 6050233 953 XXXXXXXXXX Compliance Client   Client - Seasoned loan. Updated Pay History will be required prior to purchase in order to clear this condition.           07/XX/2021     A 1 XXXXXXXXXX NM I 1 C   A   A   A   C   A   C   A     Exempt 1
1258273 XXXXXXXXXX XXXXXXXXXX 6053566 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX NM I 1 C   A   A   A   C   A   C   A     Exempt 1
1258273 XXXXXXXXXX XXXXXXXXXX 6056503 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     out of scope     09/XX/2021     A 1 XXXXXXXXXX NM I 1 C   A   A   A   C   A   C   A     Exempt 1
1258273 XXXXXXXXXX XXXXXXXXXX 6065751 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   There is no CDA, FNMA SSR of 3.0 received   Client 09/XX/2021 11:19 AM; Uploaded under appraisal UDCP submission on 8/XX/21

 Reviewer 09/XX/2021 11:44 AM;

 Reviewer 09/XX/2021 11:52 AM; Hello, There is no compliance condition for the UCDP. Credit/underwriting is asking for a Collateral Desktop Analysis due to the 3.0 risk rating on the SSRs. Thank you, XXXX		 09/XX/2021     A 1 XXXXXXXXXX NM I 1 C   A   A   A   C   A   C   A     Exempt 1
1258370 XXXXXXXXXX XXXXXXXXXX 6059773 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrowers electronically need e-consent form "06/XX/2021" or prior signed by the borrowers.       09/XX/2021     A 1 XXXXXXXXXX GA I 1 C   A   A   A   A   A   C   A     Exempt 1
1258370 XXXXXXXXXX XXXXXXXXXX 6056568 875 XXXXXXXXXX Compliance Disclosure   Disclosure - Other:   Borrower Authorization form is missing in file.       09/XX/2021     A 1 XXXXXXXXXX GA I 1 C   A   A   A   A   A   C   A     Exempt 1
1258370 XXXXXXXXXX XXXXXXXXXX 6053592 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX GA I 1 C   A   A   A   A   A   C   A     Exempt 1
1258393 XXXXXXXXXX XXXXXXXXXX 6060015 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX NC I 1 A   A   A   A   A   A   A   A     Exempt 1
1258393 XXXXXXXXXX XXXXXXXXXX 6060017 970 XXXXXXXXXX Compliance Compliance   Compliance - CD- Missing   Missing Borrower Signed at closing CD Information Provided     09/XX/2021     A 1 XXXXXXXXXX NC I 1 A   A   A   A   A   A   A   A     Exempt 1
1258396 XXXXXXXXXX XXXXXXXXXX 6134021 1062 09/XX/2021 Compliance Compliance   Compliance - CD-Clerical error correction made more than 60 days post consummation       Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2 Reviewer 09/XX/2021 03:28 PM; Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = xxxx     09/XX/2021 B 2 06/XX/2021 FL I 3 A   B   A   A   A   B   A   A     Exempt 1
1258396 XXXXXXXXXX XXXXXXXXXX 6056375 902 08/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 06/XX/2021 FL I 3 A   B   A   A   A   B   A   A     Exempt 1
1258396 XXXXXXXXXX XXXXXXXXXX 6056376 975 08/XX/2021 Compliance Compliance   Compliance - CD- Payee Name missing or incorrect   Payee name is showing "Deed Mortgage"  for State Tax/Stamps in Section-E in CD dated 06/XX/2021. Please Provide correct PCCD for the same. Information Provided     09/XX/2021     A 1 06/XX/2021 FL I 3 A   B   A   A   A   B   A   A     Exempt 1
1258396 XXXXXXXXXX XXXXXXXXXX 6056379 897 08/XX/2021 Compliance Compliance   Compliance - TRID CD- Other   Need payment history reflecting the principal reduction amount $xxx Information Provided     09/XX/2021     A 1 06/XX/2021 FL I 3 A   B   A   A   A   B   A   A     Exempt 1
1258402 XXXXXXXXXX XXXXXXXXXX 6069454 433 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Short funds to close   Verified Assets total $xxx (xxxx #xxx xxxx $xxx, #xxx xxxx $xxx, #xxx xxxx $xxx) Cash to close $xxx, Reserves required $xxx Retirement account provided   Reviewer 09/XX/2021 03:45 PM; One additional statement required per D/U - either ending December 2020 or ending June 2021.  

 Client 09/XX/2021 01:36 PM; Asset statement from xxxx dated 5/xxx 6/xx and 4/9-5/XX/21 located in file under bank statements.  Account balance on 6/xx ending date was $xxx from the 3 accounts.  xxxx xxxx IRA statement uploaded under TDOC on 9/14 and is a quarterly statement ending 3/XX/2021 - which would be most recent quarterly statement at time of application &amp; final run in DU.  Balance of $xxx.  These are the only assets used in DU decision run in file and sufficient for the transanct

 Reviewer 09/XX/2021 07:32 AM; deficiency cleared 		09/XX/2021     A 1 XXXXXXXXXX AZ I 1 A   A   A   A   A   A   A   A     Exempt 1
1258433 XXXXXXXXXX XXXXXXXXXX 6050836 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           08/XX/2021     A 1 XXXXXXXXXX NM I 3 C   A   A   A   C   A   A   A     Exempt 1
1258433 XXXXXXXXXX XXXXXXXXXX 6050837 975 XXXXXXXXXX Compliance Compliance   Compliance - CD- Payee Name missing or incorrect   Payee name is "xxxx" for Survey Fee in Section B on CD dated 06/XX/2021. PCCD is required with corrections.       08/XX/2021     A 1 XXXXXXXXXX NM I 3 C   A   A   A   C   A   A   A     Exempt 1
1258433 XXXXXXXXXX XXXXXXXXXX 6050838 875 XXXXXXXXXX Compliance Disclosure   Disclosure - Other:   Required for ULDD Data Discrepancy  As per Early check "According to the Social Security Administration (SSA), based on the approximate issuance date of the SSN and the borrower's date of birth, the SSN submitted for this borrower (xxxx xxxx) appears to have been issued prior to the borrower's date of birth. The SSN accuracy must be confirmed". Please provider third party SSA validation document.     Reviewer 08/XX/2021 03:33 AM; Required for ULDD Data Delivery: SSN Validation doc is still not received.

 Reviewer 08/XX/2021 03:35 AM; Required for ULDD Data Delivery: SSN Validation doc is still not received.		 08/XX/2021     A 1 XXXXXXXXXX NM I 3 C   A   A   A   C   A   A   A     Exempt 1
1258433 XXXXXXXXXX XXXXXXXXXX 6056450 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "01/XX/2021" or prior signed by the borrowers. Information Provided     09/XX/2021     A 1 XXXXXXXXXX NM I 3 C   A   A   A   C   A   A   A     Exempt 1
1258436 XXXXXXXXXX XXXXXXXXXX 6057380 879 XXXXXXXXXX Compliance Application   Application - Other:   Borrower's Intent to Proceed with Application is missing Information Provided     09/XX/2021     A 1 XXXXXXXXXX WA I 3 A   A   A   A   A   A   A   A     Exempt 1
1258436 XXXXXXXXXX XXXXXXXXXX 6056387 9 XXXXXXXXXX Credit Application   Application - is missing   Initial Application is missing in file. Information Provided     09/XX/2021     A 1 XXXXXXXXXX WA I 3 A   A   A   A   A   A   A   A     Exempt 1
1258436 XXXXXXXXXX XXXXXXXXXX 6056388 893 XXXXXXXXXX Compliance Compliance   Compliance - TRID LE- Need re-disclosed LE within 3 days of change of circumstance   No LE is in file. Information Provided     09/XX/2021     A 1 XXXXXXXXXX WA I 3 A   A   A   A   A   A   A   A     Exempt 1
1258436 XXXXXXXXXX XXXXXXXXXX 6056389 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX WA I 3 A   A   A   A   A   A   A   A     Exempt 1
1258436 XXXXXXXXXX XXXXXXXXXX 6070336 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   The 2 borrowers on this loan are self-employed. Business tax returns (1120S) are missing for 2020 and 2019 for B1. For B2, only 2019 1120-S returns are in file. Per 1008 notes, both 2020 & 2019 business tax returns were used to qualify.       09/XX/2021     A 1 XXXXXXXXXX WA I 3 A   A   A   A   A   A   A   A     Exempt 1
1258436 XXXXXXXXXX XXXXXXXXXX 6077724 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Received     10/XX/2021     A 1 XXXXXXXXXX WA I 3 A   A   A   A   A   A   A   A     Exempt 1
1258436 XXXXXXXXXX XXXXXXXXXX 6077737 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   The mortgage being refinanced is not on the credit report and VOM is missing in the file. Documentation has been provided.       09/XX/2021     A 1 XXXXXXXXXX WA I 3 A   A   A   A   A   A   A   A     Exempt 1
1258436 XXXXXXXXXX XXXXXXXXXX 6150866 439 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing W2s   Provide 2020 W2 from xxxx xxxx xxxx xxxx & xxxx Inc business supporting annual income of $xxx for xxxx xxxx. Doc provided   Reviewer 10/XX/2021 12:39 PM; Tax transcripts do not break out the wages nor shows name of employer. 10/XX/2021     A 1 XXXXXXXXXX WA I 3 A   A   A   A   A   A   A   A     Exempt 1
1258436 XXXXXXXXXX XXXXXXXXXX 6150878 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   The P&L and business bank statements (xxxx xxxx xxxx, xxxx & xxxx Inc) does not support the income used in qualifying from the tax returns. Ratios are out of tolerance. documentation received   Client 10/XX/2021 10:51 AM; P&amp;Ls do support 2020 earnings.  Please remove finding.&#x0D;
Conifer View:  2020 Gross Receipts of  xxx / 12 = xxx vs 2021 xxx/4 = xxx. GRs are supported on P&amp;L. Net Income on P&amp;L xxx/4 = xxx exceeds 2020 income xxx/12 = xxx.  Apr dep: xxx, Mar dep: xxx, Feb dep: xxx, Jan dep: xxx &#x0D;
&#x0D;
xxxx xxxx xxxx:  2020 Gross Receipts of xxx/12 = xxx vs 2021 xxx / 4 = xxx  GRs are supported on P&amp;L. Net I

 Client 10/XX/2021 10:51 AM; P&amp;Ls do support 2020 earnings.  Please remove finding.&#x0D;
Conifer View:  2020 Gross Receipts of  xxx / 12 = xxx vs 2021 xxx/4 = xxx. GRs are supported on P&amp;L. Net Income on P&amp;L xxx/4 = xxx exceeds 2020 income xxx/12 = xxx.  Apr dep: xxx, Mar dep: xxx, Feb dep: xxx, Jan dep: xxx &#x0D;
&#x0D;
xxxx xxxx xxxx:  2020 Gross Receipts of xxx/12 = xxx vs 2021 xxx / 4 = xxx.  GRs are supported on P&amp;L. Net I

 Reviewer 10/XX/2021 03:55 PM; deficiency has been cleared

 Reviewer 10/XX/2021 03:56 PM; deficiency cleared		 10/XX/2021     A 1 XXXXXXXXXX WA I 3 A   A   A   A   A   A   A   A     Exempt 1
1258436 XXXXXXXXXX XXXXXXXXXX 6150918 439 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing W2s   Provide 2020 & 2019 W2 from xxxx View xxxx business supporting annual income of $xxx and $xxx respectively. Doc provided   Reviewer 10/XX/2021 12:40 PM; Tax transcripts do not break out the wages nor shows name of employer. 10/XX/2021     A 1 XXXXXXXXXX WA I 3 A   A   A   A   A   A   A   A     Exempt 1
1258436 XXXXXXXXXX XXXXXXXXXX 6150920 1012 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Calculation Discrepancy self-employed income   The income from xxxx xxxx xxxx business was not calculated properly as the Notices 2014-7 for medicaid was included in the self-employed income calculation in lieue of amortization. Ratios are out of tolerance documentation provided     10/XX/2021     A 1 XXXXXXXXXX WA I 3 A   A   A   A   A   A   A   A     Exempt 1
1258439 XXXXXXXXXX XXXXXXXXXX 6056313 9 XXXXXXXXXX Credit Application   Application - is missing   Initial Application is missing in file. Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   B   A   A   A     Exempt 1
1258439 XXXXXXXXXX XXXXXXXXXX 6056314 901 XXXXXXXXXX Compliance Compliance   Compliance - TRID Other   SSPL is incomplete, Please provide correct SSPL. Information Provided   Reviewer 09/XX/2021 09:36 AM; Outstanding. 09/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   B   A   A   A     Exempt 1
1258439 XXXXXXXXXX XXXXXXXXXX 6056315 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   B   A   A   A     Exempt 1
1258439 XXXXXXXXXX XXXXXXXXXX 6056316 970 XXXXXXXXXX Compliance Compliance   Compliance - CD- Missing   Missing Initial CD issued and received by borrower 3 days prior to consummation. Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   B   A   A   A     Exempt 1
1258439 XXXXXXXXXX XXXXXXXXXX 6056317 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrowers electronically need e-consent from "06/XX/2021" or prior signed by the borrowers. Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   B   A   A   A     Exempt 1
1258439 XXXXXXXXXX XXXXXXXXXX 6056318 459 XXXXXXXXXX Compliance Note   Note - is missing - No Image of Note found in file   No Image of Note found in file.       09/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   B   A   A   A     Exempt 1
1258439 XXXXXXXXXX XXXXXXXXXX 6050868 9 XXXXXXXXXX Credit Application   Application - is missing   1003 FOR ALL BORROWERS NOT ON FILE.       08/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   B   A   A   A     Exempt 1
1258439 XXXXXXXXXX XXXXXXXXXX 6050869 978 XXXXXXXXXX Compliance Application   Application - Demographic Addendum - Missing or Incomplete   DEMOGRAPHIC ADDENDUM NOT SEEN ON FILE FOR ALL BORROWERS.       08/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   B   A   A   A     Exempt 1
1258439 XXXXXXXXXX XXXXXXXXXX 6050870 313 XXXXXXXXXX Credit AUS   AUS - UW - AUS Other           08/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   B   A   A   A     Exempt 1
1258439 XXXXXXXXXX XXXXXXXXXX 6050874 958 XXXXXXXXXX Credit Closing Package   Closing Package - First Payment Letter Other   FIGURE ON MOST RECENT FPML DOES NOT MATCH CALCULATIONS ON SYSTEM.       08/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   B   A   A   A     Exempt 1
1258439 XXXXXXXXXX XXXXXXXXXX 6050875 978 XXXXXXXXXX Compliance Application   Application - Demographic Addendum - Missing or Incomplete   Required for ULDD Data Discrepancy  Application Demographic Addendum is not received.     Reviewer 08/XX/2021 02:01 PM; Required for ULDD Data Delivery : Application Demographic Addendum is not received. 08/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   B   A   A   A     Exempt 1
1258439 XXXXXXXXXX XXXXXXXXXX 6056948 879 XXXXXXXXXX Compliance Application   Application - Other:   Borrower's Intent to Proceed with Application is missing Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   B   A   A   A     Exempt 1
1258453 XXXXXXXXXX XXXXXXXXXX 6050947 953 XXXXXXXXXX Compliance Client   Client - Seasoned loan. Updated Pay History will be required prior to purchase in order to clear this condition.         Reviewer 07/XX/2021 12:33 PM; will need updated when all stips cleared 08/XX/2021     A 1 XXXXXXXXXX CA I 3 A   A   A   A   A   A   A   A     Exempt 1
1258453 XXXXXXXXXX XXXXXXXXXX 6065416 771 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Inquiry Letter in file addressing all inquiries within the last 90 days   Partners xxxx xxxx xxxx-3/XX/2021 inquiry was not explained LOX received.  No new debt opened.     09/XX/2021     A 1 XXXXXXXXXX CA I 3 A   A   A   A   A   A   A   A     Exempt 1
1258479 XXXXXXXXXX XXXXXXXXXX 6056499 894 XXXXXXXXXX Compliance Compliance   Compliance - TRID LE- Other   Need evidence borrower received 04/xx LE 4 days prior to consummation Information Provided     09/XX/2021     A 1 XXXXXXXXXX WI I 1 A   A   A   A   A   A   A   A     Exempt 1
1258479 XXXXXXXXXX XXXXXXXXXX 6056500 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX WI I 1 A   A   A   A   A   A   A   A     Exempt 1
1258659 XXXXXXXXXX XXXXXXXXXX 6060057 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 13 C   A   A   A   C   A   A   A     Exempt 1
1258662 XXXXXXXXXX XXXXXXXXXX 6060156 459 XXXXXXXXXX Compliance Note   Note - is missing - No Image of Note found in file   Borrower Signed Note is missing in file. Information Provided   Client 09/XX/2021 01:47 PM; Please review the uploaded note to clear this finding.  Thank you.

 Reviewer 09/XX/2021 01:48 PM; Good afternoon, Docs uploaded will be reviewed within 24 hours of upload.  No need to escalate unless docs have not been reviewed within this time frame. Thank you! xxx

 Reviewer 09/XX/2021 02:18 PM; 		09/XX/2021     A 1 XXXXXXXXXX UT I 1 A   A   A   A   A   A   A   A     Exempt 1
1258662 XXXXXXXXXX XXXXXXXXXX 6067620 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) CDA received and is within tolerance     10/XX/2021     A 1 XXXXXXXXXX UT I 1 A   A   A   A   A   A   A   A     Exempt 1
1270939 XXXXXXXXXX XXXXXXXXXX 6106668 199 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - Hazard insurance coverage is insufficient- Must cover the loan amount or estimated cost new, or policy to state guaranteed replacement cost   Please provide docs showing sufficient dwelling coverage HOI coverage meets FNMA guidelines. The unpaid principal balance of the first mortgage and the second mortgage Loan amount, as long as it equals the minimum amount—80% of the insurable value of the improvements— required to compensate for damage 80% X $xxx = $xxx and we have coverage of $xxx   Reviewer 07/XX/2021 05:29 AM; still need 07/XX/2021     A 1 XXXXXXXXXX GA I 3 B   A   B   A   N/A A   A   A     Exempt 1
1270939 XXXXXXXXXX XXXXXXXXXX 6126361 758 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit - PITIA for other REO incorrect/not included in debt ratio   Missing verification of the Property Taxes and Homeowners Insurance being escrowed in the new payment of $xxx for the new mortgage with xxx for $xxx for the REO at xxxx xxxx xxxx, xxxx, xxxx xxxx. Copy of CD has been provided to support taxes and insurance included in the PITIA for xxxx xxxx xxxx.  Condition has been cleared.       10/XX/2021     A 1 XXXXXXXXXX GA I 3 B   A   B   A   N/A A   A   A     Exempt 1
1270942 XXXXXXXXXX XXXXXXXXXX 6123751 432 09/XX/2021 Credit UW Assets   UW Assets - UW - Evidence of downpayment missing/incomplete   Provide statement from xxx, #xxx, verifying source of funds and clearance of the following deposits Option Fee- $xxx- CK #xxx and EMD- $xxx- CK #xxx.     Client 10/XX/2021 07:00 PM; Requesting a waiver consideration for this condition,  here are the comp factors &amp; support reasons:&#x0D;
--borrower had xxx of assets on deposit as of 2/XX/21, these funds were in checking &amp; savings accounts with xxx and xxx.  2 mos of statements provided for both of these depositories.  Balances were consistent and no large increase or decreases from month to month.  No large or unusual deposits noted.&#x0D;
Credit report  show no new loan opened&#x0D;
Borrower needed

 Reviewer 10/XX/2021 11:41 AM; exception noted 		    10/XX/2021 B 2 03/XX/2021 TX I 1 C   B   A   B   N/A A   C   A     Exempt 1
1270942 XXXXXXXXXX XXXXXXXXXX 6141858 1108 09/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) cda received within tolerance     10/XX/2021     A 1 03/XX/2021 TX I 1 C   B   A   B   N/A A   C   A     Exempt 1
1270945 XXXXXXXXXX XXXXXXXXXX 6141859 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 A   A   A   A   N/A A   A   A     Exempt 1
1270945 XXXXXXXXXX XXXXXXXXXX 6121495 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 A   A   A   A   N/A A   A   A     Exempt 1
1270945 XXXXXXXXXX XXXXXXXXXX 6121496 975 XXXXXXXXXX Compliance Compliance   Compliance - CD- Payee Name missing or incorrect   Payee name is "xxxx xxxx xxxx xxxx" for Tax Service in Section B in CD dated 05/XX/2021.PCCD is required  with corrections. Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 A   A   A   A   N/A A   A   A     Exempt 1
1270945 XXXXXXXXXX XXXXXXXXXX 6122351 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "02/XX/2021" or prior signed by the borrowers. Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 A   A   A   A   N/A A   A   A     Exempt 1
1270945 XXXXXXXXXX XXXXXXXXXX 6106735 861 XXXXXXXXXX Compliance Note   Note - Other:   need copy & original note with correct first payment date of June and maturity date of may     Reviewer 07/XX/2021 11:18 AM; Correction was not made on Note provided.

 Reviewer 07/XX/2021 11:17 AM; only xxxx xxxx can clear.		 07/XX/2021     A 1 XXXXXXXXXX CA I 3 A   A   A   A   N/A A   A   A     Exempt 1
1270945 XXXXXXXXXX XXXXXXXXXX 6106736 862 XXXXXXXXXX Compliance Deed of Trust/Mortgage   Deed of Trust/Mortgage - Other:   need corrected MTG/DOT To show maturity date as of 06/XX/2051       07/XX/2021     A 1 XXXXXXXXXX CA I 3 A   A   A   A   N/A A   A   A     Exempt 1
1270945 XXXXXXXXXX XXXXXXXXXX 6127566 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   UW Collateral TPR UW - Second collateral evaluation is required. COMMENT No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 A   A   A   A   N/A A   A   A     Exempt 1
1270948 XXXXXXXXXX XXXXXXXXXX 6106757 442 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Retirement income docs missing/incomplete   Missing retirement income documentation for borrower xxxx xxxx supporting $xxx/mo and evidence it will continue for at least 3 years     Reviewer 06/XX/2021 02:37 PM; xxxx xxxx stmt provided evidenced start distributions 2020 of $xxx annually, however evidence of receipt is required 06/XX/2021     A 1 XXXXXXXXXX CA I 13 D   A   D   A   A   A   C   A     Temporary QM Safe Harbor 1
1270948 XXXXXXXXXX XXXXXXXXXX 6106758 434 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Shorts Funds for Reserves   Only $xxx in assets has been documented (xxxx xxxx accounts #xxx and #xxx). Reserves required $xxx.     Reviewer 06/XX/2021 02:02 PM; xxxx xxxx policy in file dated 08/XX/2020. If this is being used for reserves, please provide  updated statements (2 months). 06/XX/2021     A 1 XXXXXXXXXX CA I 13 D   A   D   A   A   A   C   A     Temporary QM Safe Harbor 1
1270948 XXXXXXXXXX XXXXXXXXXX 6106759 440 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete 1040's   Missing 2020 tax returns or 2020 extension. Last day to file for 2020 was 5/XX/2021. Loan closed 5/XX/2021. Required due to rental income for subject property received   Reviewer 06/XX/2021 02:38 PM; Rental income is not reported on 2020. Provide LOE for subject not being reported. 07/XX/2021     A 1 XXXXXXXXXX CA I 13 D   A   D   A   A   A   C   A     Temporary QM Safe Harbor 1
1270948 XXXXXXXXXX XXXXXXXXXX 6106760 1015 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - IRS Transcripts required   Missing 2019 tax transcripts. Rental income from 2019 tax returns used to qualify       06/XX/2021     A 1 XXXXXXXXXX CA I 13 D   A   D   A   A   A   C   A     Temporary QM Safe Harbor 1
1270948 XXXXXXXXXX XXXXXXXXXX 6106761 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   Appraisal shows subject property is owner occupied. Loan is for an investment property. Rental income for subject was used to qualified. Rental Income cannot be used to qualify if subject is owner occupied       06/XX/2021     A 1 XXXXXXXXXX CA I 13 D   A   D   A   A   A   C   A     Temporary QM Safe Harbor 1
1270971 XXXXXXXXXX XXXXXXXXXX 6106962 1006 XXXXXXXXXX Credit UW Approval   UW Approval - UW Approval - 1008 or 92900 LT missing   Missing 1008       06/XX/2021     A 1 XXXXXXXXXX MO I 13 D   A   D   A   C   A   A   A     Temporary QM Safe Harbor 1
1270971 XXXXXXXXXX XXXXXXXXXX 6106963 335 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Calculation Incorrect   Loan submitted with rental income of ($xxx) for REO xxx calculated ($xxx) provide corrected 1008 and AUS to reflect corrected income loss. Updated AUS received and reflects rental income loss.

Documentation has been provided.  		   Reviewer 07/XX/2021 04:36 PM; Client/lender uploaded a 1008 but did not provide and updated AUS as requested. Loan submitted with rental income of ($xxx) for REO xxx calculated ($xxx) provide corrected 1008 and AUS to reflect corrected income loss.    09/XX/2021     A 1 XXXXXXXXXX MO I 13 D   A   D   A   C   A   A   A     Temporary QM Safe Harbor 1
1270971 XXXXXXXXXX XXXXXXXXXX 6106964 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   Income not validated as submitted with $xxx calculated $xxx not validated Missing docs to support income as submitted. No negative impact on DTI. DTI .09%     07/XX/2021     A 1 XXXXXXXXXX MO I 13 D   A   D   A   C   A   A   A     Temporary QM Safe Harbor 1
1270971 XXXXXXXXXX XXXXXXXXXX 6106965 437 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete Verbal VOE   VVOE 05/XX/2021 must be within 20 days of Note 03/XX/2021.       06/XX/2021     A 1 XXXXXXXXXX MO I 13 D   A   D   A   C   A   A   A     Temporary QM Safe Harbor 1
1270971 XXXXXXXXXX XXXXXXXXXX 6106966 439 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing W2s   Missing w2     Reviewer 06/XX/2021 03:32 PM; 2019 IRS transcripts show no record found. Provide proof 2019 taxes were filed 07/XX/2021     A 1 XXXXXXXXXX MO I 13 D   A   D   A   C   A   A   A     Temporary QM Safe Harbor 1
1270971 XXXXXXXXXX XXXXXXXXXX 6106967 1013 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income calculation worksheet required   Missing 1084 income worksheet     Reviewer 06/XX/2021 03:36 PM; received only rental income calculation worksheet. missing self employment income calculation worksheet 07/XX/2021     A 1 XXXXXXXXXX MO I 13 D   A   D   A   C   A   A   A     Temporary QM Safe Harbor 1
1270971 XXXXXXXXXX XXXXXXXXXX 6106968 1014 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income calculation worksheet self employed   Missing rental income worksheet       06/XX/2021     A 1 XXXXXXXXXX MO I 13 D   A   D   A   C   A   A   A     Temporary QM Safe Harbor 1
1270971 XXXXXXXXXX XXXXXXXXXX 6106969 326 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Evidence Satisfaction of Debt   Undisclosed REO xxx missing verification of PITIA on schedule E of tax returns not disclosed on URLA REO Section Missing verification property is no longer owned. PITIA not included in DTI. Or provide evidence of PITIA and rental income work sheet and updated AUS & 1008 and resubmit for UW Approval. Information Provided   Reviewer 07/XX/2021 10:12 AM; Property at xxx is located on the tax returns. However, it was not listed in the REO on the loan application. Please provide updated 1003, AUS and 1008 that reflects the PITIA for this property to ensure the property expenses are included in the overall DTI. Other conditions may apply.

 Reviewer 08/XX/2021 11:15 AM; Received the tax certification for a property at xxx.  However, the 2019 Schedule E reflects xxx. Please provide the following: 1) LOE regarding the address discrepancy on the tax returns 2) Provide 1003, 1008 and AUS that reflects the correct address on xxx. AUS must receive approve eligible and meet guidelines.  Other conditions may apply.

 Reviewer 08/XX/2021 01:06 PM; The subject property at xxx is a two unit property which is reflected on the appraisal.  The other unit is xxx. 		09/XX/2021     A 1 XXXXXXXXXX MO I 13 D   A   D   A   C   A   A   A     Temporary QM Safe Harbor 1
1270971 XXXXXXXXXX XXXXXXXXXX 6106970 758 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit - PITIA for other REO incorrect/not included in debt ratio   Missing verification of PITIA does not exceed $xxxfor REO xxx xxx $xxx       06/XX/2021     A 1 XXXXXXXXXX MO I 13 D   A   D   A   C   A   A   A     Temporary QM Safe Harbor 1
1270971 XXXXXXXXXX XXXXXXXXXX 6106971 758 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit - PITIA for other REO incorrect/not included in debt ratio   Missing verification of PITIA does not exceed $xxx for REO xxx       06/XX/2021     A 1 XXXXXXXXXX MO I 13 D   A   D   A   C   A   A   A     Temporary QM Safe Harbor 1
1270971 XXXXXXXXXX XXXXXXXXXX 6106972 758 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit - PITIA for other REO incorrect/not included in debt ratio   Missing verification PITIA does not exceed $xxx for REO xxx       06/XX/2021     A 1 XXXXXXXXXX MO I 13 D   A   D   A   C   A   A   A     Temporary QM Safe Harbor 1
1270971 XXXXXXXXXX XXXXXXXXXX 6106973 758 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit - PITIA for other REO incorrect/not included in debt ratio   Missing verification PITIA does not exceed $xxx for REO xxx       06/XX/2021     A 1 XXXXXXXXXX MO I 13 D   A   D   A   C   A   A   A     Temporary QM Safe Harbor 1
1270971 XXXXXXXXXX XXXXXXXXXX 6106974 758 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit - PITIA for other REO incorrect/not included in debt ratio   Missing verification PITIA does not exceed $xxx for REO xxx       06/XX/2021     A 1 XXXXXXXXXX MO I 13 D   A   D   A   C   A   A   A     Temporary QM Safe Harbor 1
1270971 XXXXXXXXXX XXXXXXXXXX 6106975 758 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit - PITIA for other REO incorrect/not included in debt ratio   Missing verification PITIA does not exceed $xxx for REO xxx       06/XX/2021     A 1 XXXXXXXXXX MO I 13 D   A   D   A   C   A   A   A     Temporary QM Safe Harbor 1
1270971 XXXXXXXXXX XXXXXXXXXX 6121586 875 XXXXXXXXXX Compliance Disclosure   Disclosure - Other:   A photo ID for each borrower must be in the file. Information Provided     10/XX/2021     A 1 XXXXXXXXXX MO I 13 D   A   D   A   C   A   A   A     Temporary QM Safe Harbor 1
1270971 XXXXXXXXXX XXXXXXXXXX 6121587 875 XXXXXXXXXX Compliance Disclosure   Disclosure - Other:   Borrower's Intent to Proceed with Application is required. Information Provided     10/XX/2021     A 1 XXXXXXXXXX MO I 13 D   A   D   A   C   A   A   A     Temporary QM Safe Harbor 1
1270971 XXXXXXXXXX XXXXXXXXXX 6121588 875 XXXXXXXXXX Compliance Disclosure   Disclosure - Other:   Borrower Authorization form is missing. Information Provided     10/XX/2021     A 1 XXXXXXXXXX MO I 13 D   A   D   A   C   A   A   A     Temporary QM Safe Harbor 1
1270971 XXXXXXXXXX XXXXXXXXXX 6141868 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX MO I 13 D   A   D   A   C   A   A   A     Temporary QM Safe Harbor 1
1270979 XXXXXXXXXX XXXXXXXXXX 6141870 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX IL I 3 C   A   A   A   C   A   A   A     Exempt 1
1270979 XXXXXXXXXX XXXXXXXXXX 6107034 862 XXXXXXXXXX Compliance Deed of Trust/Mortgage   Deed of Trust/Mortgage - Other:   Address needs to be updated to match appraisal.     Reviewer 07/XX/2021 05:58 AM; Document provided will not cure deficiency. Please provide a fully corrected DOT along with LOI to re-record.  

 Reviewer 07/XX/2021 11:19 AM; escalated for review		 07/XX/2021     A 1 XXXXXXXXXX IL I 3 C   A   A   A   C   A   A   A     Exempt 1
1270991 XXXXXXXXXX XXXXXXXXXX 6123625 314 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Assets - AUS Validation   Most recent 2 months xxxx xxxx account with ending balance of $xxx was not provided as indicated on the DU Findings; Received VOD.     09/XX/2021     A 1 XXXXXXXXXX VA I 1 C   A   C   A   C   A   C   A     Exempt 1
1270991 XXXXXXXXXX XXXXXXXXXX 6123642 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only-No action required by the Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX VA I 1 C   A   C   A   C   A   C   A     Exempt 1
1270991 XXXXXXXXXX XXXXXXXXXX 6123649 1010 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Debt clarification - Provide explanation for ommission of debt from AUS   Documentation to omit xxxx mortgage account ending xxxx was not provided for borrowers primary residence as indicated on DU Findings Line #12 CD provided for primary refi. Payment was included in AUS DTI   Reviewer 09/XX/2021 10:48 AM; Documentation provided is for subject property. The omission in question is regarding xxxx xxxx xxxx xxxx. (primary residence) 09/XX/2021     A 1 XXXXXXXXXX VA I 1 C   A   C   A   C   A   C   A     Exempt 1
1270991 XXXXXXXXXX XXXXXXXXXX 6125602 970 XXXXXXXXXX Compliance Compliance   Compliance - CD- Missing   Borrower sing at closing cd missing in file and provided sign at closing cd is having incomplete information No late payment, No APR given. Information Provided   Reviewer 09/XX/2021 07:36 AM; CD provided is not for the subject property. Condition remains open.

 Reviewer 09/XX/2021 06:46 AM; CD provided is not for the subject property. Condition remains open.		 09/XX/2021     A 1 XXXXXXXXXX VA I 1 C   A   C   A   C   A   C   A     Exempt 1
1271005 XXXXXXXXXX XXXXXXXXXX 6141773 1108 09/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Loan originated with PIW. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     B 1 05/XX/2021 CO I 3 B   B   A   A   A   A   B B   Exempt 1
1271011 XXXXXXXXXX XXXXXXXXXX 6141882 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 A   A   A   A   A   A   A   A     Exempt 1
1271022 XXXXXXXXXX XXXXXXXXXX 6107301 199 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - Hazard insurance coverage is insufficient- Must cover the loan amount or estimated cost new, or policy to state guaranteed replacement cost   Please provide docs showing sufficient coverage     Reviewer 07/XX/2021 05:36 AM; still need 08/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   B   A   C   A   A   A     Exempt 1
1271022 XXXXXXXXXX XXXXXXXXXX 6107302 1043 XXXXXXXXXX Compliance Compliance   Compliance - Compliance HPML - Need Lender's indication of whether loan is HPML or not. (lender's compliance report, or system screenshot displaying HPML results)   Please provide the HPML doc       07/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   B   A   C   A   A   A     Exempt 1
1271025 XXXXXXXXXX XXXXXXXXXX 6107320 867 XXXXXXXXXX Credit 4506   4506 - Other:   In 4506-C, line 7 and Line 8 is not filled in the document.       07/XX/2021     A 1 XXXXXXXXXX TX I 1 D   A   D   A   A   A   A   A     Exempt 1
1271025 XXXXXXXXXX XXXXXXXXXX 6107321 340 XXXXXXXXXX Credit UW Other   UW Other - UW - Insurance Missing (MI or Project)   Please provide receipt of payment for flood insurance premium $xxx.       07/XX/2021     A 1 XXXXXXXXXX TX I 1 D   A   D   A   A   A   A   A     Exempt 1
1271025 XXXXXXXXXX XXXXXXXXXX 6141889 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 D   A   D   A   A   A   A   A     Exempt 1
1271042 XXXXXXXXXX XXXXXXXXXX 6107417 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "06/XX/2021" or prior signed by the borrowers.       07/XX/2021     A 1 XXXXXXXXXX NC I 1 C   A   A   A   C   A   A   A     Exempt 1
1271054 XXXXXXXXXX XXXXXXXXXX 6107506 199 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - Hazard insurance coverage is insufficient- Must cover the loan amount or estimated cost new, or policy to state guaranteed replacement cost   Dwelling Amount in Hazard Insurance is "xxx" which is not covering the loan amount "xxx".       07/XX/2021     A 1 XXXXXXXXXX CO I 1 B   A   B   A   A   A   A   A     Exempt 1
1271062 XXXXXXXXXX XXXXXXXXXX 6107540 971 XXXXXXXXXX Compliance Compliance   Compliance - CD- Missing CD Signed by borrower   Initial CD is not acknowledged by the borrower.       06/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   A   A   C   A   A   A     Exempt 1
1271062 XXXXXXXXXX XXXXXXXXXX 6125606 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent from "04/XX/2021" or prior signed by the borrower. Information Provided     10/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   A   A   C   A   A   A     Exempt 1
1271065 XXXXXXXXXX XXXXXXXXXX 6126768 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) cda received within tolerance     10/XX/2021     A 1 XXXXXXXXXX IL I 1 A   A   A   A   A   A   A   A     Exempt 1
1271065 XXXXXXXXXX XXXXXXXXXX 6107560 432 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Evidence of downpayment missing/incomplete   Verification EM $xxx on CD cleared borrower’s account is not provided and needed for 25% minimum contribution AUS shows over $xxx in excess assets to cover EMD.     09/XX/2021     A 1 XXXXXXXXXX IL I 1 A   A   A   A   A   A   A   A     Exempt 1
1271074 XXXXXXXXXX XXXXXXXXXX 6141901 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX NJ I 13 C   A   A   A   C   A   A   A     Temporary QM Safe Harbor 1
1271082 XXXXXXXXXX XXXXXXXXXX 6141905 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX OR I 13 A   A   A   A   A   A   A   A     Temporary QM Safe Harbor 1
1271088 XXXXXXXXXX XXXXXXXXXX 6107714 901 XXXXXXXXXX Compliance Compliance   Compliance - TRID Other   Lock document showing the date rate was locked with borrower missing from the file.       06/XX/2021     A 1 XXXXXXXXXX AL I 1 C   A   A   A   C   A   A   A     Exempt 1
1271094 XXXXXXXXXX XXXXXXXXXX 6107735 1021 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Provide proof of payment for tax liablity shown on tax return extension   MISSING Proof of payment to xxxx OWED $XXXX as a result of 2020 tax returns. document received     08/XX/2021     A 1 XXXXXXXXXX AZ I 1 C   A   C   A   A   A   A   A     Exempt 1
1271114 XXXXXXXXXX XXXXXXXXXX 6107967 902 06/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           07/XX/2021     A 1 04/XX/2021 TX I 1 C   B   A   A   C   B   A   A     Exempt 1
1271114 XXXXXXXXXX XXXXXXXXXX 6107968 970 06/XX/2021 Compliance Compliance   Compliance - CD- Missing   Missing Initial CD issued and received by borrower 3 days prior to consummation date 04/XX/2021.     Reviewer 07/XX/2021 10:57 AM; Outstanding. 07/XX/2021     A 1 04/XX/2021 TX I 1 C   B   A   A   C   B   A   A     Exempt 1
1271114 XXXXXXXXXX XXXXXXXXXX 6107969 975 06/XX/2021 Compliance Compliance   Compliance - CD- Payee Name missing or incorrect   Payee name is missing for HOA Resale Certificate Fee in section H in CD dated 04/XX/2021. Need PCCD with the corrections.     Reviewer 07/XX/2021 10:57 AM; Outstanding. 07/XX/2021     A 1 04/XX/2021 TX I 1 C   B   A   A   C   B   A   A     Exempt 1
1271114 XXXXXXXXXX XXXXXXXXXX 6121640 1062 09/XX/2021 Compliance Compliance   Compliance - CD-Clerical error correction made more than 60 days post consummation   PCCD Date 07/XX/2021 is not disclosed within 60 days of consummation dated 04/XX/2021   Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade= EV2 Reviewer 09/XX/2021 01:14 PM; Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade= xxxx     09/XX/2021 B 2 04/XX/2021 TX I 1 C   B   A   A   C   B   A   A     Exempt 1
1271117 XXXXXXXXXX XXXXXXXXXX 6141911 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX GA I 1 C   A   C   A   C   A   C   A     Exempt 1
1271117 XXXXXXXXXX XXXXXXXXXX 6108002 875 XXXXXXXXXX Compliance Disclosure   Disclosure - Other:   xxxx - Closing Attorney’s Affidavit is missing in the file.       08/XX/2021     A 1 XXXXXXXXXX GA I 1 C   A   C   A   C   A   C   A     Exempt 1
1271117 XXXXXXXXXX XXXXXXXXXX 6108003 416 XXXXXXXXXX Credit UW Collateral   UW Collateral - UW - Client PUD Warranty Requirements   1008 project classification selection is not selected and marked 1-unit; document received     08/XX/2021     A 1 XXXXXXXXXX GA I 1 C   A   C   A   C   A   C   A     Exempt 1
1271117 XXXXXXXXXX XXXXXXXXXX 6108004 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   AUS # 13 Verification of primary housing expense shown on 1003 as rent $XXXX is not provided; document received     08/XX/2021     A 1 XXXXXXXXXX GA I 1 C   A   C   A   C   A   C   A     Exempt 1
1271131 XXXXXXXXXX XXXXXXXXXX 6141915 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 3 A   A   A   A   A   A   A   A     Exempt 1
1271131 XXXXXXXXXX XXXXXXXXXX 6121432 897 XXXXXXXXXX Compliance Compliance   Compliance - TRID CD- Other   Need payment history reflecting the principle reduction amount $XXXX Information Provided   Reviewer 09/XX/2021 01:03 PM; Pay history provided does not reflect the $XXXX being applied to the principal balance 10/XX/2021     A 1 XXXXXXXXXX TX I 3 A   A   A   A   A   A   A   A     Exempt 1
1271145 XXXXXXXXXX XXXXXXXXXX 6141918 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX UT I 1 C   A   A   A   A   A   C   A     Exempt 1
1271148 XXXXXXXXXX XXXXXXXXXX 6108163 389 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Fraud Alert documentation   Missing processor certification that permission was obtained from Franc to proceed with application due to Fraud Victim Alert on credit report.       06/XX/2021     A 1 XXXXXXXXXX HI I 1 C   A   C   A   A   A   A   A     Exempt 1
1271151 XXXXXXXXXX XXXXXXXXXX 6126848 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   A   A   A   A   C   A     Temporary QM Safe Harbor 1
1271154 XXXXXXXXXX XXXXXXXXXX 6141920 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX IL I 1 A   A   A   A   A   A   A   A     Exempt 1
1271157 XXXXXXXXXX XXXXXXXXXX 6141922 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX IL I 1 A   A   A   A   A   A   A   A     Exempt 1
1271165 XXXXXXXXXX XXXXXXXXXX 6108224 437 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete Verbal VOE   Please provide VOE from xxxx for xxxx xxxx dated within 10 days of note (06/XX/21)       07/XX/2021     A 1 XXXXXXXXXX FL I 3 D   A   D   A   A   A   A   A     Exempt 1
1271168 XXXXXXXXXX XXXXXXXXXX 6108260 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "06/XX/2021" or prior signed by the borrowers.       07/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   A   A   C   A   A   A     Temporary QM Safe Harbor 1
1271171 XXXXXXXXXX XXXXXXXXXX 6141925 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX FL I 3 A   A   A   A   A   A   A   A     Exempt 1
1271197 XXXXXXXXXX XXXXXXXXXX 6108477 1043 XXXXXXXXXX Compliance Compliance   Compliance - Compliance HPML - Need Lender's indication of whether loan is HPML or not. (lender's compliance report, or system screenshot displaying HPML results)   Please state whether loan is HPML or not.     Reviewer 07/XX/2021 09:05 AM; still need 07/XX/2021     A 1 XXXXXXXXXX UT I 1 C   A   A   A   C   A   A   A     Exempt 1
1271197 XXXXXXXXXX XXXXXXXXXX 6108478 978 XXXXXXXXXX Compliance Application   Application - Demographic Addendum - Missing or Incomplete   Race is missing for xxxx.     Reviewer 07/XX/2021 09:05 AM; still need 08/XX/2021     A 1 XXXXXXXXXX UT I 1 C   A   A   A   C   A   A   A     Exempt 1
1271217 XXXXXXXXXX XXXXXXXXXX 6108597 913 XXXXXXXXXX Compliance Compliance   Compliance - Pending Completion of ComplianceEase/TRID Monitor Report.  Additional conditions may apply.     Auto-Cleared Compliance Testing Complete     06/XX/2021     A 1 XXXXXXXXXX FL I 13 C   A   A   A   C   A   A   A     Exempt 1
1271217 XXXXXXXXXX XXXXXXXXXX 6108598 884 XXXXXXXXXX Compliance Compliance   Compliance - Pending Internal completion of compliance fee tests.  Additional conditions may apply.           07/XX/2021     A 1 XXXXXXXXXX FL I 13 C   A   A   A   C   A   A   A     Exempt 1
1271217 XXXXXXXXXX XXXXXXXXXX 6108599 899 XXXXXXXXXX Compliance Compliance   Compliance -  Finance Charge is Understated by more than $100   Finance charge is understated by $XXXX, please provide proof of refund and LOX to borrower     Reviewer 07/XX/2021 05:04 AM; PCCD provided, still need proof of refund and LOX to borrower. Please provide.

 Reviewer 07/XX/2021 08:32 AM; Correction-The CD uploaded is not a PCCD. The 06/XX/21 has already been provided. Cannot correct a CD once it has been issued. Please provide a New PCCD with new Issue date.

 Reviewer 07/XX/2021 07:49 AM; document provided will not cure deficiency. Please provide a New PCCD with new Issue date.

 Reviewer 07/XX/2021 11:32 AM; Escalated for review		 07/XX/2021     A 1 XXXXXXXXXX FL I 13 C   A   A   A   C   A   A   A     Exempt 1
1271217 XXXXXXXXXX XXXXXXXXXX 6121907 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX FL I 13 C   A   A   A   C   A   A   A     Exempt 1
1271217 XXXXXXXXXX XXXXXXXXXX 6121919 975 XXXXXXXXXX Compliance Compliance   Compliance - CD- Payee Name missing or incorrect   Payee name is showing "Deed and Mortgage" for "City/County/Stamps fee and State Tax/Stamps Fee" in section E in CD dated 06/XX/2021. Please provide correct PCCD for the same. Information Provided     09/XX/2021     A 1 XXXXXXXXXX FL I 13 C   A   A   A   C   A   A   A     Exempt 1
1271234 XXXXXXXXXX XXXXXXXXXX 6108657 1015 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - IRS Transcripts required   Required 2020 tax transcripts for SE and rental income included in QI are not provided; document received   Reviewer 07/XX/2021 05:20 AM; Tax returns provided with proof of tax payment.  Transcripts were not provided 07/XX/2021     A 1 XXXXXXXXXX UT I 1 C   A   C   A   A   A   A   A     Exempt 1
1271254 XXXXXXXXXX XXXXXXXXXX 6141944 1108 09/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 06/XX/2021 CA I 1 C   B   A   A   C   B   C   A     Exempt 1
1271254 XXXXXXXXXX XXXXXXXXXX 6163872 1062 09/XX/2021 Compliance Compliance   Compliance - CD-Clerical error correction made more than 60 days post consummation               09/XX/2021 B 2 06/XX/2021 CA I 1 C   B   A   A   C   B   C   A     Exempt 1
1271263 XXXXXXXXXX XXXXXXXXXX 6121573 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "06/XX/2021" or prior signed by the borrower. Information Provided     09/XX/2021     A 1 XXXXXXXXXX GA I 1 A   A   A   A   A   A   A   A     Exempt 1
1271271 XXXXXXXXXX XXXXXXXXXX 6133582 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Final closing disclosure was not provided for the new XXXX account ending XXXX for property located at xxxxx Doc received     10/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   A   A   C   A     Exempt 1
1271271 XXXXXXXXXX XXXXXXXXXX 6133583 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Final closing disclosure was not provided for the new XXXX account ending XXXX for property located at xxxxx. Doc received     10/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   A   A   C   A     Exempt 1
1271271 XXXXXXXXXX XXXXXXXXXX 6133584 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Final closing disclosure was not provided for the new XXXX account ending XXXX for property located at xxxxx Doc received     10/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   A   A   C   A     Exempt 1
1271280 XXXXXXXXXX XXXXXXXXXX 6141952 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX MI I 1 C   A   A   A   C   A   A   A     Exempt 1
1271280 XXXXXXXXXX XXXXXXXXXX 6108843 865 XXXXXXXXXX Compliance Final 1003   Final 1003 - Other:   Borrower's Employment Position or Tile information is not provided on final 1003       07/XX/2021     A 1 XXXXXXXXXX MI I 1 C   A   A   A   C   A   A   A     Exempt 1
1271291 XXXXXXXXXX XXXXXXXXXX 6141954 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   A   A   A   A   C   A     Exempt 1
1271294 XXXXXXXXXX XXXXXXXXXX 6141955 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX MN I 1 C   A   A   A   A   A   C   A     Exempt 1
1271300 XXXXXXXXXX XXXXXXXXXX 6141956 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CO I 1 C   A   A   A   C   A   A   A     Exempt 1
1271300 XXXXXXXXXX XXXXXXXXXX 6108936 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           07/XX/2021     A 1 XXXXXXXXXX CO I 1 C   A   A   A   C   A   A   A     Exempt 1
1271300 XXXXXXXXXX XXXXXXXXXX 6108937 975 XXXXXXXXXX Compliance Compliance   Compliance - CD- Payee Name missing or incorrect   Payee name is "Missing" for State Tax/Stamps in Section E in CD dated 06/XX/2021. PCCD is required with corrections.       07/XX/2021     A 1 XXXXXXXXXX CO I 1 C   A   A   A   C   A   A   A     Exempt 1
1271314 XXXXXXXXXX XXXXXXXXXX 6108998 9 XXXXXXXXXX Credit Application   Application - is missing   Initial 1003 is Missing in file.     Reviewer 07/XX/2021 08:40 AM; x 07/XX/2021     A 1 XXXXXXXXXX NJ I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1271314 XXXXXXXXXX XXXXXXXXXX 6108999 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           07/XX/2021     A 1 XXXXXXXXXX NJ I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1271314 XXXXXXXXXX XXXXXXXXXX 6109002 1015 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - IRS Transcripts required   Written VOEs were provided as standalone income documentation for both borrowers, however, tax transcripts were not provided in file.       07/XX/2021     A 1 XXXXXXXXXX NJ I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1271314 XXXXXXXXXX XXXXXXXXXX 6109003 850 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Escalated for 2nd review.   upon receipt of internal fraud report, return to auditor to complete review Internal fraud report received and reviewed by Auditor.     07/XX/2021     A 1 XXXXXXXXXX NJ I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1271317 XXXXXXXXXX XXXXXXXXXX 6118924 896 XXXXXXXXXX Compliance Compliance   Compliance - TRID CD-Timing   Please provide proof of receipt for XXXX initial CD. Information Provided     10/XX/2021     A 1 XXXXXXXXXX IL I 13 A   A   A   A   A   A   A   A     Temporary QM Rebuttable Presumption 1
1271317 XXXXXXXXXX XXXXXXXXXX 6118925 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     10/XX/2021     A 1 XXXXXXXXXX IL I 13 A   A   A   A   A   A   A   A     Temporary QM Rebuttable Presumption 1
1271320 XXXXXXXXXX XXXXXXXXXX 6210512 272 10/XX/2021 Valuation UW Collateral   UW Collateral - UW - Appraisal Other   Loan qualified using PIW.   PIW is acceptable, no additional concerns.       10/XX/2021 B 2 06/XX/2021 NV I 1 C   B   A   A   A   A   C   B     Exempt 1
1271323 XXXXXXXXXX XXXXXXXXXX 6109032 978 XXXXXXXXXX Compliance Application   Application - Demographic Addendum - Missing or Incomplete   Borrower Race, Ethnicity and Sex are missing on  Application Demographic Addendum.       07/XX/2021     A 1 XXXXXXXXXX FL I 1 D   A   D   A   B   A   C   A     Exempt 1
1271323 XXXXXXXXXX XXXXXXXXXX 6109034 437 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete Verbal VOE   VOE must be completed within 10 business days of the note date 6/XX/21 TWN dated 6/XX/21, within 10 business days of closing verifies the borrower is currently employed with current employer.     09/XX/2021     A 1 XXXXXXXXXX FL I 1 D   A   D   A   B   A   C   A     Exempt 1
1271323 XXXXXXXXXX XXXXXXXXXX 6109035 445 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Other income documentation missing/incomplete   Documentation to support two-year history of commission income. Borrower's pay stubs and 2020/2019 W2's are provided with the same employer. Base income equates to $XXXX and previous years W2's reflect significantly higher income; supporting commission income.     09/XX/2021     A 1 XXXXXXXXXX FL I 1 D   A   D   A   B   A   C   A     Exempt 1
1271323 XXXXXXXXXX XXXXXXXXXX 6137712 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX FL I 1 D   A   D   A   B   A   C   A     Exempt 1
1271331 XXXXXXXXXX XXXXXXXXXX 6139217 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Second collateral evaluation is required due to no CU Score was on the appraisal. Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   A   A   A   A   C   A     Exempt 1
1271334 XXXXXXXXXX XXXXXXXXXX 6141776 1108 09/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Loan originated with PIW. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 06/XX/2021 NC I 3 C   B   A   A   A   A   C   B   Exempt 1
1271334 XXXXXXXXXX XXXXXXXXXX 6204256 272 10/XX/2021 Valuation UW Collateral   UW Collateral - UW - Appraisal Other   Loan qualified using PIW.   PIW is acceptable, no additional concerns.       10/XX/2021 B 2 06/XX/2021 NC I 3 C   B   A   A   A   A   C   B   Exempt 1
1271340 XXXXXXXXXX XXXXXXXXXX 6141965 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX NH I 13 A   A   A   A   A   A   A   A     Temporary QM Safe Harbor 1
1271343 XXXXXXXXXX XXXXXXXXXX 6141967 1108 09/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 05/XX/2021 CO I 1 D   B   D   A   C   B   A   A     Exempt 1
1271343 XXXXXXXXXX XXXXXXXXXX 6109126 318 07/XX/2021 Credit UW Assets   UW Assets - UW - Source of Large Deposit   Provide source of large deposit $XXXX on 3/XX/2021 into XXXX #xxxxx xxxxx statement dated 3/XX/201 shows 2 transfers for $XXXX and $XXXX to xxxxx #xxxxx on 3/XX/2021 for a total of $XXXX.   Reviewer 07/XX/2021 10:09 AM; LOE states $XXXX from xxxxx was transferred to xxxxx #xxxxx.  Provide xxxxx statement verifying this transfer.

 Reviewer 07/XX/2021 03:50 PM; Received LOE that March statement for xxxxx is not available. This statement is required to document source of funds. A printout would also be acceptable.

 Reviewer 07/XX/2021 09:42 AM; Received LOE that March statement for xxxxx is not available. This statement is required to document source of funds. A printout would also be acceptable.

 Reviewer 08/XX/2021 06:19 PM; referred to xxxxx		 09/XX/2021     A 1 05/XX/2021 CO I 1 D   B   D   A   C   B   A   A     Exempt 1
1271343 XXXXXXXXXX XXXXXXXXXX 6109127 433 07/XX/2021 Credit UW Assets   UW Assets - UW - Short funds to close   Provide net equity $XXXX as listed on DU #7 needed towards subject closing       07/XX/2021     A 1 05/XX/2021 CO I 1 D   B   D   A   C   B   A   A     Exempt 1
1271343 XXXXXXXXXX XXXXXXXXXX 6109128 326 07/XX/2021 Credit UW Credit   UW Credit - UW - Evidence Satisfaction of Debt   Provide credit supplement/documentations to support DU #7 omitted    xxxxx xxxxx XXXX $XXXX       07/XX/2021     A 1 05/XX/2021 CO I 1 D   B   D   A   C   B   A   A     Exempt 1
1271343 XXXXXXXXXX XXXXXXXXXX 6109129 328 07/XX/2021 Credit UW Credit   UW Credit - UW - Satisfactory 12 mth Mortgage   Provide VOM/Note and Closing disclosure statement/Credit Supplement to verify xxxxx PITIA is no more than $XXX with loan balance $XXXX and xxxxx PITIA is no more than $XXXX with loan balance $XXXX       07/XX/2021     A 1 05/XX/2021 CO I 1 D   B   D   A   C   B   A   A     Exempt 1
1271343 XXXXXXXXXX XXXXXXXXXX 6109130 393 07/XX/2021 Credit UW Credit   UW Credit - UW - Missing undisclosed properties   Provide clarification on xxxxx Mortgage #xxxxx opened 05/2021 with payment $XXXX and balance $XXXX verified on 3rd party report       07/XX/2021     A 1 05/XX/2021 CO I 1 D   B   D   A   C   B   A   A     Exempt 1
1271343 XXXXXXXXXX XXXXXXXXXX 6109131 438 07/XX/2021 Credit UW Income/Employment   UW Income/Employment - UW - Missing pay stub   Provide CoBorrower  employed by  xxxxx WVOE to support  AUS/1003 base income of $XXXX       07/XX/2021     A 1 05/XX/2021 CO I 1 D   B   D   A   C   B   A   A     Exempt 1
1271343 XXXXXXXXXX XXXXXXXXXX 6109132 913 07/XX/2021 Compliance Compliance   Compliance - Pending Completion of ComplianceEase/TRID Monitor Report.  Additional conditions may apply.     Auto-Cleared Compliance Testing Complete     07/XX/2021     A 1 05/XX/2021 CO I 1 D   B   D   A   C   B   A   A     Exempt 1
1271343 XXXXXXXXXX XXXXXXXXXX 6109133 902 07/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           08/XX/2021     A 1 05/XX/2021 CO I 1 D   B   D   A   C   B   A   A     Exempt 1
1271343 XXXXXXXXXX XXXXXXXXXX 6109134 975 07/XX/2021 Compliance Compliance   Compliance - CD- Payee Name missing or incorrect   Payee name is showing Deed for State Tax/Stamps in Section E on CD dated 05/XX/2021. PCCD required with corrections.       08/XX/2021     A 1 05/XX/2021 CO I 1 D   B   D   A   C   B   A   A     Exempt 1
1271343 XXXXXXXXXX XXXXXXXXXX 6126192 1062 09/XX/2021 Compliance Compliance   Compliance - CD-Clerical error correction made more than 60 days post consummation   PCCD dated 07/XX/2021 is not disclosed within 60 days of consummation dated 05/XX/2021.   Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade= EV2 Reviewer 09/XX/2021 01:15 PM; Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade= EV2     09/XX/2021 B 2 05/XX/2021 CO I 1 D   B   D   A   C   B   A   A     Exempt 1
1271360 XXXXXXXXXX XXXXXXXXXX 6109230 868 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - Other:   Coverage Amount missing in Hazard insurance document       07/XX/2021     A 1 XXXXXXXXXX CO I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1271360 XXXXXXXXXX XXXXXXXXXX 6109232 206 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - year premium not in force at least 60 days post funding.     Provided.     08/XX/2021     A 1 XXXXXXXXXX CO I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1271363 XXXXXXXXXX XXXXXXXXXX 6109249 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "11/XX/2020" or prior signed by the borrowers.     Reviewer 07/XX/2021 04:19 PM; Please provide evidence the borrower consented to receive docs electronically on or before 11/XX/2020 08/XX/2021     A 1 XXXXXXXXXX VA I 13 C   A   A   A   C   A   A   A     Temporary QM Safe Harbor 1
1271366 XXXXXXXXXX XXXXXXXXXX 6141974 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 13 A   A   A   A   A   A   A   A     Temporary QM Safe Harbor 1
1271374 XXXXXXXXXX XXXXXXXXXX 6141977 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   A   A   A   A   C   A     Exempt 1
1271380 XXXXXXXXXX XXXXXXXXXX 6141980 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX NC I 1 D   A   D   A   A   A   A   A     Exempt 1
1271380 XXXXXXXXXX XXXXXXXXXX 6109345 1006 XXXXXXXXXX Credit UW Approval   UW Approval - UW Approval - 1008 or 92900 LT missing   1008 missing in file document rec'd     07/XX/2021     A 1 XXXXXXXXXX NC I 1 D   A   D   A   A   A   A   A     Exempt 1
1271380 XXXXXXXXXX XXXXXXXXXX 6109346 1015 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - IRS Transcripts required   2020 tax transcripts required since using rental income for property at xxxxxxxxxx document received     08/XX/2021     A 1 XXXXXXXXXX NC I 1 D   A   D   A   A   A   A   A     Exempt 1
1271383 XXXXXXXXXX XXXXXXXXXX 6109359 1015 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - IRS Transcripts required   2020 Tax transcripts required for SE income are not provided; document received     08/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1271386 XXXXXXXXXX XXXXXXXXXX 6109382 1010 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Debt clarification - Provide explanation for ommission of debt from AUS   Evidence to support AUS omitted loan xxxxx #xxxxx balance $XXXX is not provided; AUS #14 states if paid prior to close, to resubmit marked paid by closing not omitted. document received     08/XX/2021     A 1 XXXXXXXXXX WA I 3 C   A   C   A   A   A   A   A     Exempt 1
1271386 XXXXXXXXXX XXXXXXXXXX 6109383 416 XXXXXXXXXX Credit UW Collateral   UW Collateral - UW - Client PUD Warranty Requirements   1008 PUD project classification selection is not marked; deficiency created. received     08/XX/2021     A 1 XXXXXXXXXX WA I 3 C   A   C   A   A   A   A   A     Exempt 1
1271400 XXXXXXXXXX XXXXXXXXXX 6109451 897 XXXXXXXXXX Compliance Compliance   Compliance - TRID CD- Other   On last disclosed CD dated 06/XX/2021, disbursement date on 1st page is reflecting as 06/XX/2021 and 2nd page of section F as 06/XX/2021. Need PCCD with Corrections       07/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   C   A   C   A     Exempt 1
1271400 XXXXXXXXXX XXXXXXXXXX 6109452 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           07/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   C   A   C   A     Exempt 1
1271400 XXXXXXXXXX XXXXXXXXXX 6109454 879 XXXXXXXXXX Compliance Application   Application - Other:   Home Phone Number is Incomplete.       07/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   C   A   C   A     Exempt 1
1271400 XXXXXXXXXX XXXXXXXXXX 6141985 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   C   A   C   A     Exempt 1
1271420 XXXXXXXXXX XXXXXXXXXX 6141994 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   A   A   C   A     Exempt 1
1271420 XXXXXXXXXX XXXXXXXXXX 6109556 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   Provide copy of most recent federal 1040 tax return with Sch E to support rental income being used to qualify loan from xxxxx (placed into service 1/XX/2011) & xxxxx (placed into service 3/XX/2012) - loan file did not contain evidence that these rental properties were out of service. Leases provided in file for xxxxxxxxxx and xxxxxxxxxx.     10/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   A   A   C   A     Exempt 1
1271423 XXXXXXXXXX XXXXXXXXXX 6140984 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Second collateral evaluation is required due to no CU Score available on the exterior only appraisal in file. Information Provided     09/XX/2021     A 1 XXXXXXXXXX DC I 3 C   A   A   A   A   A   C   A     Exempt 1
1271443 XXXXXXXXXX XXXXXXXXXX 6142000 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX MT I 1 C   A   A   A   A   A   C   A     Exempt 1
1271460 XXXXXXXXXX XXXXXXXXXX 6109716 431 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing   Verification of assets of $XXXX entered in DU to be verified with 2 months bank statements for each account. received     08/XX/2021     A 1 XXXXXXXXXX CA I 13 D   A   D   A   A   A   A   A     Temporary QM Safe Harbor 1
1271460 XXXXXXXXXX XXXXXXXXXX 6109717 438 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing pay stub   Missing pay stub for xxxxx to support $XXXX per month income with xxxxxxxxxx received     08/XX/2021     A 1 XXXXXXXXXX CA I 13 D   A   D   A   A   A   A   A     Temporary QM Safe Harbor 1
1271460 XXXXXXXXXX XXXXXXXXXX 6109718 438 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing pay stub   Missing pay stub for xxxxx to support income of $XXXX per month with xxxxxxxxxx received     08/XX/2021     A 1 XXXXXXXXXX CA I 13 D   A   D   A   A   A   A   A     Temporary QM Safe Harbor 1
1271466 XXXXXXXXXX XXXXXXXXXX 6109733 326 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Evidence Satisfaction of Debt   Evidence for Omitted xxxxx  #xxxxx balance $XXXX is not provided; document received     08/XX/2021     A 1 XXXXXXXXXX UT I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1271466 XXXXXXXXXX XXXXXXXXXX 6109734 328 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Satisfactory 12 mth Mortgage   Verification payment history/new loan PITIA for xxxxx Mtg #xxxxx payment $XXXX on xxxxxxxxxx is not provided; document received. Refi verified. Payoff xxxxx     08/XX/2021     A 1 XXXXXXXXXX UT I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1271523 XXXXXXXXXX XXXXXXXXXX 6109928 199 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - Hazard insurance coverage is insufficient- Must cover the loan amount or estimated cost new, or policy to state guaranteed replacement cost   Hazard Insurance coverage is insufficient.     Reviewer 07/XX/2021 10:08 AM; Hazard Insurance coverage is insufficient 08/XX/2021     A 1 XXXXXXXXXX CO I 13 A   A   A   A   A   A   A   A     Temporary QM Safe Harbor 1
1271529 XXXXXXXXXX XXXXXXXXXX 6147116 346 XXXXXXXXXX Credit UW Other   UW Other - UW - Complete Purchase Agreement   MISSING SALES CONTRACT ADDENDUM EXTENDING THE CLOSING DATE TO 7/XX/2021 Seller on contract XXXX and title states heirs of estate of XXXX listed in the vesting section schedule A. Copy of deed in file verifies XXXX ownership since 10/XX/2017.   Client 10/XX/2021 12:18 PM; See page 11 of contract paragraph 12. Explains delayed closing, must complete within 14 days of settlement date. The settlement date in paragraph1 item (L) shows 7/XX/2021, so addendum not required. Loan closed 7/XX/2021 see final CD (issued 7/XX/2021) and warranty deed in file was created 7/XX/2021.

 Reviewer 10/XX/2021 03:34 PM; cleared in tdocs 		10/XX/2021     A 1 XXXXXXXXXX NC I 1 A   A   A   A   A   A   A   A     Exempt 1
1271529 XXXXXXXXXX XXXXXXXXXX 6147117 998 XXXXXXXXXX Credit UW Other   UW Other - UW - Title Commitment is missing or requires correction.   MISSING EVIDENCE OF 12 MONTHS CHAIN OF TITLE Received   Client 10/XX/2021 11:54 AM; Seller on contract Estate of XXXX and title states heirs of estate of XXXX listed in the vesting section schedule A. Copy of deed in file verifies XXXX ownership since 10/XX/2017.

 Reviewer 10/XX/2021 03:33 PM; deficiency cleared 		10/XX/2021     A 1 XXXXXXXXXX NC I 1 A   A   A   A   A   A   A   A     Exempt 1
1271529 XXXXXXXXXX XXXXXXXXXX 6147189 758 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit - PITIA for other REO incorrect/not included in debt ratio   MISSING EVIDENCE OF 12 MONTHS CHAIN OF TITLE Received   Client 10/XX/2021 11:56 AM; Seller on contract Estate of XXXX and title states heirs of estate of XXXX listed in the vesting section schedule A. Copy of deed in file verifies XXXX ownership since 10/XX/2017.

 Reviewer 10/XX/2021 03:34 PM; duplicate request 		10/XX/2021     A 1 XXXXXXXXXX NC I 1 A   A   A   A   A   A   A   A     Exempt 1
1271549 XXXXXXXXXX XXXXXXXXXX 6142030 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) cda received within tolerance     10/XX/2021     A 1 XXXXXXXXXX NC I 1 A   A   A   A   A   A   A   A     Exempt 1
1271563 XXXXXXXXXX XXXXXXXXXX 6134048 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX FL I 3 C   A   C   A   A   A   C   A     Exempt 1
1271563 XXXXXXXXXX XXXXXXXXXX 6110028 434 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Shorts Funds for Reserves   Assets not provided document received     07/XX/2021     A 1 XXXXXXXXXX FL I 3 C   A   C   A   A   A   C   A     Exempt 1
1271566 XXXXXXXXXX XXXXXXXXXX 6142034 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX MI I 1 A   A   A   A   A   A   A   A     Exempt 1
1271575 XXXXXXXXXX XXXXXXXXXX 6110071 758 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit - PITIA for other REO incorrect/not included in debt ratio   Missing verification of PITIA does not exceed $XXXX for REO xxxx. Mortgage statement provided does not reflect xxxx subject property is xxxx. document received     07/XX/2021     A 1 XXXXXXXXXX AZ I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1271575 XXXXXXXXXX XXXXXXXXXX 6110072 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   Loan submitted to LP AUS with subject property REO xxxx negative cash flow of ($XXXX) not validated missing current lease agreement not found in loan file. Missing comparable rent schedule not found in loan file. subject property not on Schedule E of 1040's rental income or loss not validated. Document received. Comp rent schedule     08/XX/2021     A 1 XXXXXXXXXX AZ I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1271575 XXXXXXXXXX XXXXXXXXXX 6110073 265 XXXXXXXXXX Credit UW Collateral   UW Collateral - UW - FNMA 1007 / FNMA 216   Missing Comparable rent schedule operating income statement not found in loan file. document received     08/XX/2021     A 1 XXXXXXXXXX AZ I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1271575 XXXXXXXXXX XXXXXXXXXX 6110074 325 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Net Rental Income Incorrect   Loan submitted to LP AUS with Other property Net rental income of $XXXX income not validated. REO xxxx Calculated $XXXX / $XXXX / ($XXXX) Provide corrected LP AUS to reflect other property negative rental income of (XXXX) Per 1040's Schedule E xxx subject property xxxx LP corrected. Document received     07/XX/2021     A 1 XXXXXXXXXX AZ I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1271595 XXXXXXXXXX XXXXXXXXXX 6138256 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   MISSING AVM REPORT (CU SCORE 4.6) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CO I 1 C   A   A   A   A   A   C   A     Exempt 1
1271609 XXXXXXXXXX XXXXXXXXXX 6110205 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   DU findings does not reflect the correct subject neg cash flow of $XXXX. Rental income is not allowed since borrower currently does not own primary residence. DU reflects only $XXXX as neg cash flow. DTI with full PITI is 27.16 document received     07/XX/2021     A 1 XXXXXXXXXX WA I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1271609 XXXXXXXXXX XXXXXXXXXX 6110206 1015 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - IRS Transcripts required   Most recent year transcripts for xxxx required since WVOE is the only income documentation provided used to verify income. Transcripts to support $XXXX per month income Tax transcripts are not required.   Reviewer 07/XX/2021 09:27 AM; documentation provided does not clear condition.Written VOE received 09/XX/2021     A 1 XXXXXXXXXX WA I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1271623 XXXXXXXXXX XXXXXXXXXX 6110247 476 XXXXXXXXXX Compliance Application   Application - Compliance \ Application - Is TPO Approved (Client Specific)   Correspondent is not approved for TPO application. Initial  Application reflects Originator name as "XXXX" XXXX is the parent company of XXXX – this isn’t a TPO transaction     07/XX/2021     A 1 XXXXXXXXXX FL I 1 A   A   A   A   A   A   A   A     Exempt 1
1271626 XXXXXXXXXX XXXXXXXXXX 6110262 335 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Calculation Incorrect   AUS outside of tolerance due to miscalcuation of income. Using lower of 2yr K1 distribution avg income is $XXXX vs $XXXX/mo. Using the lower DTI increases from 30.07% to 37.33%. Income/Debt as follows Primary $XXXX + Subject $XXXX + other debt $XXXX (xxxx card & xxxx)= $XXXXmo. Income- $XXXX/mo. DTI- 37.33%.       07/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1271626 XXXXXXXXXX XXXXXXXXXX 6110263 326 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Evidence Satisfaction of Debt   Provide fully executed CD settlement statement for new primary residence refinance, xxxx, verifying mortgage with xxxx was paid off. document rec'd     07/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1271626 XXXXXXXXXX XXXXXXXXXX 6110264 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide copy of Note and First payment letter for new primary refinance, xxxx, verifyng first payment due and and verifying PITI of $XXXX/mo. document rec'd     07/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1271626 XXXXXXXXXX XXXXXXXXXX 6110265 389 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Fraud Alert documentation   Provide documentation verifying Borrower contacted regarding xxxx alert reflected on credit report. document rec'd     07/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1271643 XXXXXXXXXX XXXXXXXXXX 6110323 439 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing W2s   Please provide legible copies of the 2019 and 2020 W2s for xxxx and xxxx. The copies uploaded to the file are illegible and cannot be read, making confirmation of xxxx's earnings for previous years at his prior employer impossible. documents received     07/XX/2021     A 1 XXXXXXXXXX WA I 13 D   A   D   A   A   A   A   A     Temporary QM Safe Harbor 1
1271643 XXXXXXXXXX XXXXXXXXXX 6110324 326 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Evidence Satisfaction of Debt   Please provide a copy of the fully executed Closing Disclosure for the cash-out refinance of the xxxx, which closed simultaneously with the subject loan refinance, and was the cause for the omission of the xxxx Home Mortgage-5079. Final CD should confirm a final FULL PITI payment of $XXXX [$XXXX w/ HOA dues]; however, in the event the final FULL PITIA payment exceeds $XXXX, then final AUS and 1008 need to be updated accordingly. [The Final 1003 reflects the final FULL PITIA for the xxxx property is $XXXX/mo - P&I-$XXXX + TIA-$XXXX, which is the reason for the clarification] $XXXX payment accurate with payoff of XXXX     07/XX/2021     A 1 XXXXXXXXXX WA I 13 D   A   D   A   A   A   A   A     Temporary QM Safe Harbor 1
1271649 XXXXXXXXXX XXXXXXXXXX 6142055 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   C   A   A   A   C   A     Exempt 1
1271649 XXXXXXXXXX XXXXXXXXXX 6144916 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Document PITIA is $XXXX and $XXXX gross Rent income for XXXX, purchased/closed 7/XX/21 and listed on Loan Application. Received documentation to support PITI of $XXXX and gross rent of $XXXX   Client 10/XX/2021 03:35 PM; Missing closing statement /mortgage statement showing all escrows for XXXX- missing market rent or leases for XXXX.  Can't verify, DTI with out all REO expense and income.

 Reviewer 10/XX/2021 03:35 PM; Missing closing statement /mortgage statement showing all escrows for XXXX- missing market rent or leases for XXXX.  Can't verify, DTI with out all REO expense and income.		 10/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   C   A   A   A   C   A     Exempt 1
1271655 XXXXXXXXXX XXXXXXXXXX 6125805 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "06/XX/2021" or prior signed by the borrowers. Information Provided     10/XX/2021     A 1 XXXXXXXXXX GA I 1 A   A   A   A   A   A   A   A     Exempt 1
1271666 XXXXXXXXXX XXXXXXXXXX 6136299 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "06/XX/2021" or prior signed by the borrowers. Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 A   A   A   A   A   A   A   A     Exempt 1
1271675 XXXXXXXXXX XXXXXXXXXX 6110463 1010 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Debt clarification - Provide explanation for ommission of debt from AUS   xxxx account ending XXXX in the amount of $XXXX and account ending XXXX in the amount of $XXXX document received     08/XX/2021     A 1 XXXXXXXXXX NM I 13 C   A   C   A   A   A   A   A     Exempt 1
1271718 XXXXXXXXXX XXXXXXXXXX 6110628 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   Provide a clearer copy of the 2019 W2 from xxxx as the one provided is blurry as it's required due to variable income. document received. 2019 W-2 $XXXX matches tax returns     08/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   A   A     Exempt 1
1271729 XXXXXXXXXX XXXXXXXXXX 6141783 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Loan originated with PIW. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX VA I 3 C   A   A   A   A   A   C   A     Exempt 1
1271755 XXXXXXXXXX XXXXXXXXXX 6142081 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX SC I 3 A   A   A   A   A   A   A   A     Exempt 1
1271795 XXXXXXXXXX XXXXXXXXXX 6142091 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   A   A   A   A   C   A     Exempt 1
1271801 XXXXXXXXXX XXXXXXXXXX 6111133 387 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Taxes and Insurance documentation   Provide documentation verifying terms of new mortgage with XXXX  for new rental purchase located at XXXX  XXXX d. PITI not to exceed $XXXX/mo. document received     07/XX/2021     A 1 XXXXXXXXXX UT I 1 C   A   C   A   A   A   A   A     Exempt 1
1271801 XXXXXXXXXX XXXXXXXXXX 6111134 387 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Taxes and Insurance documentation   Provide documentation verifying terms of new mortgage with XXXX  for new rental purchase located at XXXX XXXX. PITI not to exceed $XXXX/mo. document received     07/XX/2021     A 1 XXXXXXXXXX UT I 1 C   A   C   A   A   A   A   A     Exempt 1
1271801 XXXXXXXXXX XXXXXXXXXX 6111135 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   Provide documentation to support rental income of $XXXX/mo. for new rental purchase located at XXXX XXXX. document received     07/XX/2021     A 1 XXXXXXXXXX UT I 1 C   A   C   A   A   A   A   A     Exempt 1
1271801 XXXXXXXXXX XXXXXXXXXX 6111136 320 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Other   Borrower must retain required NOO reserves after purchase of all 3 properties. documentation provided     07/XX/2021     A 1 XXXXXXXXXX UT I 1 C   A   C   A   A   A   A   A     Exempt 1
1271801 XXXXXXXXXX XXXXXXXXXX 6111137 320 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Other   Provide signed letter of explanation regarding outgoing wire in the amount of $XXXX dated 4/XX/2021. This is required as Borrower is purchasing a total of 3 investment properties. Unable to determine if outgoing wire is related to the purchases. Purchase of XXXX  -included in transaction. Document received     07/XX/2021     A 1 XXXXXXXXXX UT I 1 C   A   C   A   A   A   A   A     Exempt 1
1271815 XXXXXXXXXX XXXXXXXXXX 6142094 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 A   A   A   A   A   A   A   A     Exempt 1
1271821 XXXXXXXXXX XXXXXXXXXX 6142098 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX FL I 1 A   A   A   A   A   A   A   A     Exempt 1
1271835 XXXXXXXXXX XXXXXXXXXX 6142102 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 D   A   C   A   A   A   D   A     Exempt 1
1271835 XXXXXXXXXX XXXXXXXXXX 6136727 270 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Satisfactory 2nd Appraisal Report   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 D   A   C   A   A   A   D   A     Exempt 1
1271835 XXXXXXXXXX XXXXXXXXXX 6111278 422 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Legible report/photos required   Missing interior/exterior colored photos.       07/XX/2021     A 1 XXXXXXXXXX CA I 3 D   A   C   A   A   A   D   A     Exempt 1
1271835 XXXXXXXXXX XXXXXXXXXX 6111279 320 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Other   Missing copy of Trust agreement for use of Trust funds as reserves. trust cert received - document received     08/XX/2021     A 1 XXXXXXXXXX CA I 3 D   A   C   A   A   A   D   A     Exempt 1
1271835 XXXXXXXXXX XXXXXXXXXX 6111280 1015 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - IRS Transcripts required   Missing tax transcripts Not required - Titanium overlay     09/XX/2021     A 1 XXXXXXXXXX CA I 3 D   A   C   A   A   A   D   A     Exempt 1
1271838 XXXXXXXXXX XXXXXXXXXX 6142104 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX GA I 3 C   A   A   A   A   A   C   A     Exempt 1
1271855 XXXXXXXXXX XXXXXXXXXX 6136030 875 XXXXXXXXXX Compliance Disclosure   Disclosure - Other:   Borrower's Intent to Proceed with Application is missing Information Provided     10/XX/2021     A 1 XXXXXXXXXX CA I 1 A   A   A   A   A   A   A   A     Exempt 1
1271855 XXXXXXXXXX XXXXXXXXXX 6136056 9 XXXXXXXXXX Credit Application   Application - is missing   Dan's initial application (page 11-15) is missing Information Provided     10/XX/2021     A 1 XXXXXXXXXX CA I 1 A   A   A   A   A   A   A   A     Exempt 1
1271858 XXXXXXXXXX XXXXXXXXXX 6111376 265 XXXXXXXXXX Credit UW Collateral   UW Collateral - UW - FNMA 1007 / FNMA 216   Missing form 1007 in file and rental income was used to qualify on subject property. document received   Reviewer 07/XX/2021 09:19 AM; FNMA Documenting Rental Income from subject property: When the subject property will generate rental income and it is used for ualifying purposes, one of the following FNMA forms must be used to support the income earning potential of the property: 1 unit properties Single Family Comparable Rent Schedule (Form 1007) and the borrower's most recent year of signed federal income tax returns, including Sch 1 and Sch E.  The tax returns are complete in file so we only ne 08/XX/2021     A 1 XXXXXXXXXX CO I 13 A   A   A   A   A   A   A   A     Exempt 1
1271858 XXXXXXXXXX XXXXXXXXXX 6111377 437 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete Verbal VOE   Verbal VOE within 10 days of closing date of 7/XX/2021 missing in file for XXXX  at XXXX document received     07/XX/2021     A 1 XXXXXXXXXX CO I 13 A   A   A   A   A   A   A   A     Exempt 1
1271858 XXXXXXXXXX XXXXXXXXXX 6111378 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   Unable to determine how income was calculated for XXXX . DU reflects base income of $XXXX. Base income per WVOE is $XXXX per month. Bonus income average is $XXXX per month document received   Reviewer 07/XX/2021 07:49 PM; Base income $XXXX Bonus $XXXX. Provide AUS to reflect correct income types

 Reviewer 08/XX/2021 11:17 AM; Provide AUS/1008/1003 to reflect Base $XXXX and Bonus $XXXX.  AUS reflects all income as Base

 Reviewer 08/XX/2021 03:23 PM; Provide AUS to reflects correct income type: Base $XXXX  Bonus $XXXX. AUS in file reflects base salary only.		 08/XX/2021     A 1 XXXXXXXXXX CO I 13 A   A   A   A   A   A   A   A     Exempt 1
1271895 XXXXXXXXXX XXXXXXXXXX 6134760 378 XXXXXXXXXX Credit UW Other   UW Other - UW - Initial/Final 1003 incomplete/missing   1003 incomplete, missing ownership interest. DOCUMENTATION PROVIDED   Client 10/XX/2021 12:22 PM; Final 1003 signed 07/XX/21 is in file. Requesting deficiency to be cleared.

 Reviewer 10/XX/2021 02:42 PM; DEFICIENCY CLEARED		 10/XX/2021     A 1 XXXXXXXXXX TX I 13 A   A   A   A   A   A   A   A     Exempt 1
1271915 XXXXXXXXXX XXXXXXXXXX 6139560 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   XXXX UW qualifying income 12-month average of XXXX. Business failed liquidity test to use 12-month average over distribution average provide exception to guideline or UW rationale for inclusion of 12 month average of income. removed the distribution average   Reviewer 10/XX/2021 12:07 PM; AUS income to be updated to show correct income of $XXXX 10/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   A   A     Exempt 1
1271915 XXXXXXXXXX XXXXXXXXXX 6139562 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   XXXX UW qualifying income 12-month average of XXXX. Business failed liquidity test to use 12-month average over distribution average provide exception to guideline or UW rationale for inclusion of 12 month average of income. removed the distribution average   Reviewer 10/XX/2021 12:07 PM; AUS income to be updated to show correct income of $XXXX per UW calculations. 10/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   A   A     Exempt 1
1271918 XXXXXXXXXX XXXXXXXXXX 6142126 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 13 A   A   A   A   A   A   A   A     Temporary QM Safe Harbor 1
1271941 XXXXXXXXXX XXXXXXXXXX 6111685 867 XXXXXXXXXX Credit 4506   4506 - Other:   Signatory Attestation box is not checked on 4506-C.       07/XX/2021     A 1 XXXXXXXXXX CA I 13 B   A   B   A   A   A   A   A     Temporary QM Safe Harbor 1
1271944 XXXXXXXXXX XXXXXXXXXX 6142133 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX OR I 1 C   A   A   A   A   A   C   A     Exempt 1
1271958 XXXXXXXXXX XXXXXXXXXX 6111748 771 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Inquiry Letter in file addressing all inquiries within the last 90 days   Is missing in loan file. document received     07/XX/2021     A 1 XXXXXXXXXX AZ I 1 C   A   C   A   A   A   A   A     Exempt 1
1271961 XXXXXXXXXX XXXXXXXXXX 6111767 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "06/XX/2021" or prior signed by the borrower.       07/XX/2021     A 1 XXXXXXXXXX CO I 1 C   A   A   A   C   A   A   A     Exempt 1
1271967 XXXXXXXXXX XXXXXXXXXX 6148410 335 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Calculation Incorrect   UW rental income calculation for xxxx incorrect. Audited calculation using 2019 Schedule E shows rental income of (XXXX).UW rental income calculation is missing but it seems they used lease agreement. documentation was in initial file   Client 10/XX/2021 10:29 AM; MERS report/fraud report shows the property at xxxx report under borrower name in 8/2020.Which would explain why the leases that were signed in on this property were all dated in 2020 and 2021, and would account for the higher rent calculation.  The 2019 returns showed a total rental income from this multi family property of $XXXX = $XXXX $XXXX/mo which again in this market and for the type of property xxxx is very low.  Possible that the property was in t

 Reviewer 10/XX/2021 12:32 PM; deficiency has been cleared		 10/XX/2021     A 1 XXXXXXXXXX TX I 3 A   A   A   A   A   A   A   A     Exempt 1
1271970 XXXXXXXXXX XXXXXXXXXX 6152347 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   Document borrower has been in title to the subject at least 6 months at date of closing. title in file     10/XX/2021     A 1 XXXXXXXXXX TX I 13 C   A   A   A   A   A   C   A     Temporary QM Safe Harbor 1
1271987 XXXXXXXXXX XXXXXXXXXX 6111865 913 XXXXXXXXXX Compliance Compliance   Compliance - Pending Completion of ComplianceEase/TRID Monitor Report.  Additional conditions may apply.     Auto-Cleared Compliance Testing Complete     07/XX/2021     A 1 XXXXXXXXXX MO I 1 C   A   A   A   C   A   C   A     Exempt 1
1271987 XXXXXXXXXX XXXXXXXXXX 6142147 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX MO I 1 C   A   A   A   C   A   C   A     Exempt 1
1272010 XXXXXXXXXX XXXXXXXXXX 6142154 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX NY I 1 C   A   A   A   A   A   C   A     Exempt 1
1272024 XXXXXXXXXX XXXXXXXXXX 6142161 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) cda received within tolerance     10/XX/2021     A 1 XXXXXXXXXX CO I 1 A   A   A   A   A   A   A   A     Exempt 1
1272024 XXXXXXXXXX XXXXXXXXXX 6159202 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   UW - Second collateral evaluation is required. COMMENT CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) cda received within tolerance     10/XX/2021     A 1 XXXXXXXXXX CO I 1 A   A   A   A   A   A   A   A     Exempt 1
1272030 XXXXXXXXXX XXXXXXXXXX 6197892 272 10/XX/2021 Valuation UW Collateral   UW Collateral - UW - Appraisal Other   Loan qualified using PIW.   PIW is acceptable, no additional concerns.       10/XX/2021 B 2 07/XX/2021 CA I 3 B   B   A   A   A   A   B B   Exempt 1
1272030 XXXXXXXXXX XXXXXXXXXX 6141791 1108 09/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Loan originated with PIW. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 07/XX/2021 CA I 3 B   B   A   A   A   A   B B   Exempt 1
1272044 XXXXXXXXXX XXXXXXXXXX 6142166 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CO I 13 A   A   A   A   A   A   A   A     Temporary QM Safe Harbor 1
1272047 XXXXXXXXXX XXXXXXXXXX 6139808 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   UW - Second collateral evaluation is required. COMMENT CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   A   A   C   A     Exempt 1
1272050 XXXXXXXXXX XXXXXXXXXX 6139854 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   UW - Second collateral evaluation is required. COMMENT CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   A   A   A   A   C   A     Temporary QM Safe Harbor 1
1272101 XXXXXXXXXX XXXXXXXXXX 6140623 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX MD I 3 C   A   A   A   A   A   C   A     Exempt 1
1272107 XXXXXXXXXX XXXXXXXXXX 6141794 1108 09/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Loan originated with PIW. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     B 1 07/XX/2021 CA I 13 C   B   A   A   A   A   C   B   Temporary QM Safe Harbor 1
1272113 XXXXXXXXXX XXXXXXXXXX 6142187 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX IL I 1 B   A   A   A   B   A   A   A     Exempt 1
1272116 XXXXXXXXXX XXXXXXXXXX 6112462 247 XXXXXXXXXX Credit VOE - verbal or FNMA 1005   VOE - verbal or FNMA 1005 - Verbal VOE is NOT dated within 10 days prior to closing date   VVOE is NOT dated within 10 days prior to closing date.       08/XX/2021     A 1 XXXXXXXXXX CO I 13 B   A   B   A   A   A   A   A     Temporary QM Safe Harbor 1
1272124 XXXXXXXXXX XXXXXXXXXX 6112502 187 XXXXXXXXXX Credit Flood Certificate   Flood Certificate - is missing.           08/XX/2021     A 1 XXXXXXXXXX AZ I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1272130 XXXXXXXXXX XXXXXXXXXX 6204401 272 10/XX/2021 Valuation UW Collateral   UW Collateral - UW - Appraisal Other   Loan qualified using PIW.   PIW is acceptable, no additional concerns.       10/XX/2021 B 2 06/XX/2021 CA I 3 C   B   A   A   A   A   C   B   Exempt 1
1272130 XXXXXXXXXX XXXXXXXXXX 6141797 1108 09/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Loan originated with PIW. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 06/XX/2021 CA I 3 C   B   A   A   A   A   C   B   Exempt 1
1272131 XXXXXXXXXX XXXXXXXXXX 6142192 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 A   A   A   A   A   A   A   A     Exempt 1
1272133 XXXXXXXXXX XXXXXXXXXX 6142193 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX WA I 1 C   A   A   A   A   A   C   A     Exempt 1
1272136 XXXXXXXXXX XXXXXXXXXX 6141798 1108 09/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Loan originated with PIW. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     B 1 06/XX/2021 CA I 3 C   B   A   A   A   A   C   B   Exempt 1
1272145 XXXXXXXXXX XXXXXXXXXX 6112618 978 XXXXXXXXXX Compliance Application   Application - Demographic Addendum - Missing or Incomplete   Co borrower (XXXX) Application Demographic Addendum is Incomplete in file.       08/XX/2021     A 1 XXXXXXXXXX CO I 1 B   A   A   A   B   A   A   A     Exempt 1
1272145 XXXXXXXXXX XXXXXXXXXX 6142199 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX CO I 1 B   A   A   A   B   A   A   A     Exempt 1
1272147 XXXXXXXXXX XXXXXXXXXX 6146066 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrowers electronically need e-consent form "06/XX/2021" or prior signed by the borrowers. Information Provided   Reviewer 10/XX/2021 09:52 AM; Initial docs were e-signed but wet dated 6/XX. Please provide LOX explaining the e-sign and wet date.  Disclosure tracking reflects XXXX gave e-consent on 6/XX while XXXX gave e-consent on 6/XX. Therefore, even with a wet date, e-consent was not given until after the docs were dated.  Deficiency remains open 10/XX/2021     A 1 XXXXXXXXXX CA I 13 A   A   A   A   A   A   A   A     Temporary QM Safe Harbor 1
1272150 XXXXXXXXXX XXXXXXXXXX 6142200 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   A   A   C   A     Exempt 1
1272153 XXXXXXXXXX XXXXXXXXXX 6142201 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX PA I 1 C   A   A   A   A   A   C   A     Exempt 1
1272153 XXXXXXXXXX XXXXXXXXXX 6112669 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   Comps are up to 28 miles away with no explanation from the appraiser as to the need for this distance. document received     08/XX/2021     A 1 XXXXXXXXXX PA I 1 C   A   A   A   A   A   C   A     Exempt 1
1272162 XXXXXXXXXX XXXXXXXXXX 6141799 1108 09/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Loan originated with PIW. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 06/XX/2021 CO I 3 C   B   A   A   A   A   C   B   Exempt 1
1272162 XXXXXXXXXX XXXXXXXXXX 6204326 272 10/XX/2021 Valuation UW Collateral   UW Collateral - UW - Appraisal Other   Loan qualified using PIW.   PIW is acceptable, no additional concerns.       10/XX/2021 B 2 06/XX/2021 CO I 3 C   B   A   A   A   A   C   B   Exempt 1
1272170 XXXXXXXXXX XXXXXXXXXX 6142207 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   A   A   A   A   C   A     Temporary QM Safe Harbor 1
1272171 XXXXXXXXXX XXXXXXXXXX 6112762 868 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - Other:   Hazard insurance showing effective date 07/XX/2021 however funding date is 06/XX/2021.     Reviewer 08/XX/2021 02:26 PM; outstanding

 Reviewer 08/XX/2021 11:13 AM; Outstanding. 		08/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   A   A     Exempt 1
1272173 XXXXXXXXXX XXXXXXXXXX 6142208 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX ID I 13 C   A   A   A   A   A   C   A     Temporary QM Safe Harbor 1
1272184 XXXXXXXXXX XXXXXXXXXX 6142210 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX NY I 1 C   A   A   A   A   A   C   A     Exempt 1
1272191 XXXXXXXXXX XXXXXXXXXX 6112848 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "05/XX/2021" or prior signed by the borrower.       08/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   A   A   C   A   A   A     Temporary QM Safe Harbor 1
1272193 XXXXXXXXXX XXXXXXXXXX 6112856 897 XXXXXXXXXX Compliance Compliance   Compliance - TRID CD- Other   On last Disclosed CD issue date 07/XX/2021, disbursement date-07/XX/2021 but signing date-07/XX/2021. Need Pccd with correction.       08/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   C   A   C   A     Exempt 1
1272193 XXXXXXXXXX XXXXXXXXXX 6112857 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           08/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   C   A   C   A     Exempt 1
1272193 XXXXXXXXXX XXXXXXXXXX 6112859 260 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Report Incomplete   loan file missing comparable rent schedule document received     08/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   C   A   C   A     Exempt 1
1272194 XXXXXXXXXX XXXXXXXXXX 6142213 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   A   A   A   A   C   A     Temporary QM Safe Harbor 1
1272196 XXXXXXXXXX XXXXXXXXXX 6142214 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX RI I 1 C   A   A   A   C   A   C   A     Exempt 1
1272196 XXXXXXXXXX XXXXXXXXXX 6112871 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           08/XX/2021     A 1 XXXXXXXXXX RI I 1 C   A   A   A   C   A   C   A     Exempt 1
1272196 XXXXXXXXXX XXXXXXXXXX 6112873 988 XXXXXXXXXX Compliance Compliance   Compliance - FNMA or FHLMC UCD report is unsuccessful.   FHLMC UCD report is missing in file       08/XX/2021     A 1 XXXXXXXXXX RI I 1 C   A   A   A   C   A   C   A     Exempt 1
1272208 XXXXXXXXXX XXXXXXXXXX 6112912 6 XXXXXXXXXX Credit Application   Application - Completed, signed, final application for all applicant not in file   Final Loan application signed by borrower @ closing 7/XX/2021 is missing in the file.     Reviewer 08/XX/2021 09:56 AM; Final application provided is signed 7/XX.  As per the DOT, closing date is 7/XX.  Please provide the final application signed and dated on the closing date. 08/XX/2021     A 1 XXXXXXXXXX NV I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1272208 XXXXXXXXXX XXXXXXXXXX 6112913 970 XXXXXXXXXX Compliance Compliance   Compliance - CD- Missing   Final CD signed by borrower @ closing 7/XX/2021 is missing in the file.     Reviewer 08/XX/2021 09:54 AM; Closing date is 7/XX per the DOT in file.  Please provide the CD that was signed on this closing date.  CD provided is signed 7/XX. 08/XX/2021     A 1 XXXXXXXXXX NV I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1272210 XXXXXXXXXX XXXXXXXXXX 6112920 901 XXXXXXXXXX Compliance Compliance   Compliance - TRID Other   Lock document showing the date rate was locked with borrower missing from file.       07/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   C   A   C   A   A   A     Exempt 1
1272210 XXXXXXXXXX XXXXXXXXXX 6112921 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Per AUS, verification of the borrower’s primary rent expense of $XXXX is required but was not located in imaging. Acceptable documentation includes but is not limited to one of the following a direct verification from a management company or individual landlord, six months cancelled checks/equivalent payment source, six months bank statements reflecting a clear and consistent payment to an organization or individual, or a copy of a current fully executed lease agreement and two months cancelled checks/equivalent payment source. document received     08/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   C   A   C   A   A   A     Exempt 1
1272210 XXXXXXXXXX XXXXXXXXXX 6112922 325 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Net Rental Income Incorrect   It appears that subject net rental income may be incorrect. The original underwriter utilized subject rent to yield positive subject rental income of $XXXX per month, however per policy rental income should only be used to offset the payment as the borrowers do not show a documented 1-year history of rental property management experience. Excluding positive subject rental income increases DTI above 48% and may impact eligibility. document received     07/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   C   A   C   A   A   A     Exempt 1
1272214 XXXXXXXXXX XXXXXXXXXX 6148388 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "06/XX/2021" or prior signed by the borrowers. Information Provided     10/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   A   A   C   A   A   A     Exempt 1
1272214 XXXXXXXXXX XXXXXXXXXX 6135319 110 XXXXXXXXXX Compliance Deed of Trust/Mortgage   Deed of Trust/Mortgage - legal description is missing.   In DOT, legal description is missing in the file.       10/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   A   A   C   A   A   A     Exempt 1
1272214 XXXXXXXXXX XXXXXXXXXX 6135320 862 XXXXXXXXXX Compliance Deed of Trust/Mortgage   Deed of Trust/Mortgage - Other:   In DOT, pages 7-10 is missing in the file.       10/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   A   A   C   A   A   A     Exempt 1
1272219 XXXXXXXXXX XXXXXXXXXX 6141804 1108 09/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Loan originated with PIW. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     B 1 07/XX/2021 CA I 3 C   B   A   A   C   A   B B   Exempt 1
1272222 XXXXXXXXXX XXXXXXXXXX 6142219 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX NY I 13 C   A   A   A   A   A   C   A     Exempt 1
1272233 XXXXXXXXXX XXXXXXXXXX 6135762 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX OK I 1 C   A   A   A   C   A   C   A     Exempt 1
1272233 XXXXXXXXXX XXXXXXXXXX 6145421 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrowers electronically need e-consent form "06/XX/2021" or prior signed by the borrowers. Information Provided     09/XX/2021     A 1 XXXXXXXXXX OK I 1 C   A   A   A   C   A   C   A     Exempt 1
1272234 XXXXXXXXXX XXXXXXXXXX 6130199 970 09/XX/2021 Compliance Compliance   Compliance - CD- Missing   4th and 5th page of Final CD is missing in the file Information Provided     09/XX/2021     A 1 07/XX/2021 SC I 1 A   B   A   A   A   B   A   A     Exempt 1
1272234 XXXXXXXXXX XXXXXXXXXX 6145525 902 09/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 07/XX/2021 SC I 1 A   B   A   A   A   B   A   A     Exempt 1
1272234 XXXXXXXXXX XXXXXXXXXX 6145526 975 09/XX/2021 Compliance Compliance   Compliance - CD- Payee Name missing or incorrect   Payee name is "Missing" for Credit Report in Section B in CD dated 07/XX/2021. PCCD is required with corrections. Information Provided     09/XX/2021     A 1 07/XX/2021 SC I 1 A   B   A   A   A   B   A   A     Exempt 1
1272234 XXXXXXXXXX XXXXXXXXXX 6145527 986 09/XX/2021 Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "06/XX/2021" or prior signed by the borrower. Information Provided     09/XX/2021     A 1 07/XX/2021 SC I 1 A   B   A   A   A   B   A   A     Exempt 1
1272234 XXXXXXXXXX XXXXXXXXXX 6166630 1062 09/XX/2021 Compliance Compliance   Compliance - CD-Clerical error correction made more than 60 days post consummation     Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2   Reviewer 09/XX/2021 04:51 PM; Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2     09/XX/2021 B 2 07/XX/2021 SC I 1 A   B   A   A   A   B   A   A     Exempt 1
1272247 XXXXXXXXXX XXXXXXXXXX 6142223 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX FL I 1 A   A   A   A   A   A   A   A     Exempt 1
1272247 XXXXXXXXXX XXXXXXXXXX 6145998 879 XXXXXXXXXX Compliance Application   Application - Other:   Initial Loan Application is missing in e-File. Information Provided     09/XX/2021     A 1 XXXXXXXXXX FL I 1 A   A   A   A   A   A   A   A     Exempt 1
1272247 XXXXXXXXXX XXXXXXXXXX 6145999 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX FL I 1 A   A   A   A   A   A   A   A     Exempt 1
1272247 XXXXXXXXXX XXXXXXXXXX 6146004 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent from "06/XX/2021" or prior signed by the borrower. Information Provided     09/XX/2021     A 1 XXXXXXXXXX FL I 1 A   A   A   A   A   A   A   A     Exempt 1
1272247 XXXXXXXXXX XXXXXXXXXX 6160910 384 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Self-Employment status required   Evidence supporting xxxxx open and operating within 10 business days of the Note (dated 7/XX/21) Division of Corp from State provided.   Reviewer 09/XX/2021 10:56 AM; Document in file is not dated nor signed. 09/XX/2021     A 1 XXXXXXXXXX FL I 1 A   A   A   A   A   A   A   A     Exempt 1
1272256 XXXXXXXXXX XXXXXXXXXX 6150824 891 XXXXXXXXXX Compliance Compliance   Compliance - TRID LE-  Initial LE not disclosed within 3 days of Application   No LE in file. Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 A   A   A   A   A   A   A   A     Exempt 1
1272256 XXXXXXXXXX XXXXXXXXXX 6150825 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 A   A   A   A   A   A   A   A     Exempt 1
1272256 XXXXXXXXXX XXXXXXXXXX 6140994 971 XXXXXXXXXX Compliance Compliance   Compliance - CD- Missing CD Signed by borrower   CD signed by the borrower is missing Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 A   A   A   A   A   A   A   A     Exempt 1
1272256 XXXXXXXXXX XXXXXXXXXX 6140996 1058 XXXXXXXXXX Compliance Compliance   Compliance - Need Evidence of Borrower Intent to Proceed   Borrower's Intent to Proceed with Application is missing Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 A   A   A   A   A   A   A   A     Exempt 1
1272256 XXXXXXXXXX XXXXXXXXXX 6147528 262 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW -  Appraisal Report Missing   The full appraisal report is missing from the file Received     09/XX/2021     A 1 XXXXXXXXXX TX I 1 A   A   A   A   A   A   A   A     Exempt 1
1272256 XXXXXXXXXX XXXXXXXXXX 6147529 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Missing initial application Received     09/XX/2021     A 1 XXXXXXXXXX TX I 1 A   A   A   A   A   A   A   A     Exempt 1
1272256 XXXXXXXXXX XXXXXXXXXX 6147530 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Missing signed closing disclosure Received     09/XX/2021     A 1 XXXXXXXXXX TX I 1 A   A   A   A   A   A   A   A     Exempt 1
1272256 XXXXXXXXXX XXXXXXXXXX 6136528 459 XXXXXXXXXX Compliance Note   Note - is missing - No Image of Note found in file   Note is missing in file Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 A   A   A   A   A   A   A   A     Exempt 1
1272256 XXXXXXXXXX XXXXXXXXXX 6136529 9 XXXXXXXXXX Credit Application   Application - is missing   Initial Application is missing in file Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 A   A   A   A   A   A   A   A     Exempt 1
1272259 XXXXXXXXXX XXXXXXXXXX 6142225 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX NJ I 1 C   A   C   A   A   A   C   A     Exempt 1
1272259 XXXXXXXXXX XXXXXXXXXX 6144961 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Documentation is missing supporting the excluding the property located at XXXX listed on the loan application from the ratios. Received property detail that shows this is land.  Taxes counted in DTI does not affect DTI.     10/XX/2021     A 1 XXXXXXXXXX NJ I 1 C   A   C   A   A   A   C   A     Exempt 1
1272262 XXXXXXXXXX XXXXXXXXXX 6142226 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   A   A   A   A   C   A     Exempt 1
1272262 XXXXXXXXXX XXXXXXXXXX 6113083 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   Appraisal missing, (Desk review was provided-however initial Appraisal required)       08/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   A   A   A   A   C   A     Exempt 1
1272265 XXXXXXXXXX XXXXXXXXXX 6142228 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX FL I 1 C   A   A   A   A   A   C   A     Exempt 1
1272273 XXXXXXXXXX XXXXXXXXXX 6141806 1108 09/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Loan originated with PIW. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     B 1 06/XX/2021 NM I 3 C   B   A   A   C   A   B B   Exempt 1
1272273 XXXXXXXXXX XXXXXXXXXX 6113123 913 07/XX/2021 Compliance Compliance   Compliance - Pending Completion of ComplianceEase/TRID Monitor Report.  Additional conditions may apply.     Auto-Cleared Compliance Testing Complete     08/XX/2021     A 1 06/XX/2021 NM I 3 C   B   A   A   C   A   B B   Exempt 1
1272274 XXXXXXXXXX XXXXXXXXXX 6113128 416 XXXXXXXXXX Credit UW Collateral   UW Collateral - UW - Client PUD Warranty Requirements   1008 project classification selection is not marked, 1008 uploaded.     09/XX/2021     A 1 XXXXXXXXXX UT I 1 C   A   C   A   A   A   A   A     Exempt 1
1272274 XXXXXXXXXX XXXXXXXXXX 6113132 432 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Evidence of downpayment missing/incomplete   Verification xxxx $XXXX from borrower funds is not provided; statement show $XXXX xxxx; additional $XXXX not sourced from borrower funds. Savings and 401K statement in file along with wiring evidence.     09/XX/2021     A 1 XXXXXXXXXX UT I 1 C   A   C   A   A   A   A   A     Exempt 1
1272276 XXXXXXXXXX XXXXXXXXXX 6153945 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   The borrower is only 33% owner of the rental property at XXXX and therefore only 33# of the income should be used.  Resulting DTI is 56% Rental income recalculated using 33% of income ($XXXX).  Received new AUS and DTI of 43.93% is within tolerance.     10/XX/2021     A 1 XXXXXXXXXX CA I 13 A   A   A   A   A   A   A   A     Temporary QM Safe Harbor 1
1272276 XXXXXXXXXX XXXXXXXXXX 6153947 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   There is no final signed 1003 Received     10/XX/2021     A 1 XXXXXXXXXX CA I 13 A   A   A   A   A   A   A   A     Temporary QM Safe Harbor 1
1272296 XXXXXXXXXX XXXXXXXXXX 6113225 170 XXXXXXXXXX Compliance Final 1003   Final 1003 - is missing.   Final 1003 is missing in the file.       08/XX/2021     A 1 XXXXXXXXXX OR I 1 C   A   B   A   C   A   A   A     Exempt 1
1272299 XXXXXXXXXX XXXXXXXXXX 6142239 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX LA I 1 C   A   C   A   A   A   C   A     Exempt 1
1272310 XXXXXXXXXX XXXXXXXXXX 6142243 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX MA I 1 C   A   A   A   A   A   C   A     Exempt 1
1272314 XXXXXXXXXX XXXXXXXXXX 6113278 106 XXXXXXXXXX Compliance Deed of Trust/Mortgage   Deed of Trust/Mortgage - is incomplete.           08/XX/2021     A 1 XXXXXXXXXX NC I 13 D   A   A   A   D   A   A   A     Temporary QM Safe Harbor 1
1272314 XXXXXXXXXX XXXXXXXXXX 6113279 107 XXXXXXXXXX Compliance Deed of Trust/Mortgage   Deed of Trust/Mortgage - is missing riders.   DOT in file reflects 1-4 family rider and appraisal reflects property is a PUD please provide corrected DOT.       08/XX/2021     A 1 XXXXXXXXXX NC I 13 D   A   A   A   D   A   A   A     Temporary QM Safe Harbor 1
1272314 XXXXXXXXXX XXXXXXXXXX 6113280 862 XXXXXXXXXX Compliance Deed of Trust/Mortgage   Deed of Trust/Mortgage - Other:   Please provide a letter of intent to re-record along with a complete copy of the corrected DOT/MTG.       08/XX/2021     A 1 XXXXXXXXXX NC I 13 D   A   A   A   D   A   A   A     Temporary QM Safe Harbor 1
1272316 XXXXXXXXXX XXXXXXXXXX 6113288 379 XXXXXXXXXX Credit UW Other   UW Other - UW - Letter of Explanation   Excessive submissions to AUS (23) are not explained in the loan file. document received     08/XX/2021     A 1 XXXXXXXXXX VA I 13 C   A   C   A   A   A   A   A     Safe Harbor QM (APOR) 1
1272316 XXXXXXXXXX XXXXXXXXXX 6113289 318 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Source of Large Deposit   The xxx account ending xxx shows the following unexplained large deposits $XXXX on 6/XX/2021, and $XXXX on 6/XX/2021. Per FNMA guidelines. Refinance Transactions – Documentation or explanation for large deposits is not required.     09/XX/2021     A 1 XXXXXXXXXX VA I 13 C   A   C   A   A   A   A   A     Safe Harbor QM (APOR) 1
1272337 XXXXXXXXXX XXXXXXXXXX 6149246 336 09/XX/2021 Credit UW Income/Employment   UW Income/Employment - UW - Income Other   UW Income/Employment UW - Income Other COMMENT Income from lender was not properly calculated. There is a mistake on the total income calculation since numbers are stated on the 1008 and LP as follows B1 Income $XXXX + B2 Income $XXXX = $XXXX UW Income B1 $XXXX + B2 $XXXX + XXXX (OT) = $XXXX. DTI difference of 20% due to income miscalculation.     Client 10/XX/2021 05:38 PM; We are requesting that you waive providing a new LP approval for the DTI increasing by 20% using recalculated income based on the following compensating factors:  A 20% increase in the DTI is below 45%; $XXXX in assets remaining after close; Borrower's length of employment is more than 6 years; Co-borrower's length of employment is more than 20 years; 788 lowest mid-FICO; no late payments for current or prior mortgages or consumer debt and low use of consumer debt.  Th

 Reviewer 10/XX/2021 06:53 AM; exception noted 		    10/XX/2021 B 2 07/XX/2021 FL I 1 A   B   A   B   A   A   A   A     Exempt 1
1272353 XXXXXXXXXX XXXXXXXXXX 6142253 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX NJ I 13 C   A   A   A   A   A   C   A     Temporary QM Safe Harbor 1
1272357 XXXXXXXXXX XXXXXXXXXX 6142256 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX UT I 13 C   A   A   A   A   A   C   A     Temporary QM Safe Harbor 1
1272359 XXXXXXXXXX XXXXXXXXXX 6141809 1108 09/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Loan originated with PIW. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     B 1 07/XX/2021 AZ I 3 C   B   A   A   C   A   B B   Exempt 1
1272359 XXXXXXXXXX XXXXXXXXXX 6113449 913 07/XX/2021 Compliance Compliance   Compliance - Pending Completion of ComplianceEase/TRID Monitor Report.  Additional conditions may apply.     Auto-Cleared Compliance Testing Complete     07/XX/2021     A 1 07/XX/2021 AZ I 3 C   B   A   A   C   A   B B   Exempt 1
1272360 XXXXXXXXXX XXXXXXXXXX 6113453 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           08/XX/2021     A 1 XXXXXXXXXX CO I 3 C   A   C   A   C   A   A   A     Exempt 1
1272360 XXXXXXXXXX XXXXXXXXXX 6113454 975 XXXXXXXXXX Compliance Compliance   Compliance - CD- Payee Name missing or incorrect   Payee name is missing for Title – E-Docs Fee in Section-C in CD dated 07/XX/2021. Required PCCD with Correction.     Reviewer 08/XX/2021 07:31 AM; CD provided is not a PCCD.  Please provide a PCCD dated after the closing date with corrections. 08/XX/2021     A 1 XXXXXXXXXX CO I 3 C   A   C   A   C   A   A   A     Exempt 1
1272360 XXXXXXXXXX XXXXXXXXXX 6113455 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   No evidence mortgage xxxx #2891 includes PITI for primary residence xxxx document received     08/XX/2021     A 1 XXXXXXXXXX CO I 3 C   A   C   A   C   A   A   A     Exempt 1
1272368 XXXXXXXXXX XXXXXXXXXX 6113510 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event 12/XX/2020       08/XX/2021     A 1 XXXXXXXXXX NJ I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1272368 XXXXXXXXXX XXXXXXXXXX 6113513 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Evidence borrower has $XXXX current primary housing expense is not provided; document received     08/XX/2021     A 1 XXXXXXXXXX NJ I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1272371 XXXXXXXXXX XXXXXXXXXX 6142261 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   A   A   C   A     Exempt 1
1272373 XXXXXXXXXX XXXXXXXXXX 6142262 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) cda received within tolerance     10/XX/2021     A 1 XXXXXXXXXX ID I 1 A   A   A   A   A   A   A   A     Exempt 1
1272373 XXXXXXXXXX XXXXXXXXXX 6149658 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrowers electronically need e-consent from "06/XX/2021" or prior signed by the borrowers. Information Provided     10/XX/2021     A 1 XXXXXXXXXX ID I 1 A   A   A   A   A   A   A   A     Exempt 1
1272379 XXXXXXXXXX XXXXXXXXXX 6141810 1108 09/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Loan originated with PIW. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     B 1 07/XX/2021 CA I 3 C   B   A   A   A   A   C   B   Exempt 1
1272385 XXXXXXXXXX XXXXXXXXXX 6142267 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   C   A   C   A     Exempt 1
1272385 XXXXXXXXXX XXXXXXXXXX 6113578 897 XXXXXXXXXX Compliance Compliance   Compliance - TRID CD- Other   Need payment history reflecting the principle reduction amount $XXXX       08/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   C   A   C   A     Exempt 1
1272388 XXXXXXXXXX XXXXXXXXXX 6113592 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           08/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   B   A   C   A   A   A     Temporary QM Safe Harbor 1
1272388 XXXXXXXXXX XXXXXXXXXX 6113593 967 XXXXXXXXXX Credit Compliance   Compliance - CD- Dated incorrectly (Issue Date, Closing Date, Disbursement Date)   Closing date (07/XX/2021) on 1st page of Final CD is not matching with consummation date (07/XX/2021) and Note date (07/XX/2021). Please provide correct PCCD for the same.       08/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   B   A   C   A   A   A     Temporary QM Safe Harbor 1
1272388 XXXXXXXXXX XXXXXXXXXX 6113594 374 XXXXXXXXXX Credit UW Other   UW Other - UW - Evidence of legal residency   Provide evidence that xxxx is a legal residence. AUS condition item #8. document received   Reviewer 08/XX/2021 01:17 PM; received amended 1003 and aus however we are in need of a birth certificate copy or passport to prove residency since the 1003's originally stated permanent resident for xxxx. 08/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   B   A   C   A   A   A     Temporary QM Safe Harbor 1
1272393 XXXXXXXXXX XXXXXXXXXX 6142272 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   A   A   A   A   C   A     Exempt 1
1272394 XXXXXXXXXX XXXXXXXXXX 6142273 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   A   A   C   A     Exempt 1
1272396 XXXXXXXXXX XXXXXXXXXX 6142274 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   A   A   C   A     Exempt 1
1272397 XXXXXXXXXX XXXXXXXXXX 6163362 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU score requires 2nd review appraisal. Doc received     09/XX/2021     A 1 XXXXXXXXXX CA I 3 A   A   A   A   A   A   A   A     Exempt 1
1272397 XXXXXXXXXX XXXXXXXXXX 6142275 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 A   A   A   A   A   A   A   A     Exempt 1
1272399 XXXXXXXXXX XXXXXXXXXX 6141811 1108 09/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Loan originated with PIW. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 07/XX/2021 TX I 3 C   B   A   A   C   B   C   B   Exempt 1
1272399 XXXXXXXXXX XXXXXXXXXX 6150907 897 09/XX/2021 Compliance Compliance   Compliance - TRID CD- Other   Need payment history reflecting the principal reduction amount $XXXX Information Provided   Reviewer 09/XX/2021 09:04 AM; Pay history provided does not reflect the principal reduction payment of $XXXX. Condition remains open.   10/XX/2021   B 2 07/XX/2021 TX I 3 C   B   A   A   C   B   C   B   Exempt 1
1272399 XXXXXXXXXX XXXXXXXXXX 6204381 272 10/XX/2021 Valuation UW Collateral   UW Collateral - UW - Appraisal Other   Loan qualified using PIW.   PIW is acceptable, no additional concerns.       10/XX/2021 B 2 07/XX/2021 TX I 3 C   B   A   A   C   B   C   B   Exempt 1
1272400 XXXXXXXXXX XXXXXXXXXX 6153108 338 XXXXXXXXXX Credit UW Other   UW Other - UW - Contract approval incomplete/not current   Provide permanent resident alien card (FRONT and BACK). Docs received     09/XX/2021     A 1 XXXXXXXXXX NY I 3 C   A   C   A   A   A   A   A     Exempt 1
1272400 XXXXXXXXXX XXXXXXXXXX 6153109 339 XXXXXXXXXX Credit UW Other   UW Other - UW - Data Input Error   Provide documentation showing the appraiser is not a part of the Client-Supplied Watch List. Doc received     09/XX/2021     A 1 XXXXXXXXXX NY I 3 C   A   C   A   A   A   A   A     Exempt 1
1272411 XXXXXXXXXX XXXXXXXXXX 6142278 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX NH I 1 C   A   A   A   A   A   C   A     Exempt 1
1272420 XXXXXXXXXX XXXXXXXXXX 6113730 9 XXXXXXXXXX Credit Application   Application - is missing   Required for ULDD Data Discrepancy Initial Application is missing.     Reviewer 08/XX/2021 01:59 AM; Required for ULDD data delivery: Initial application is still not received.

 Reviewer 08/XX/2021 04:49 AM; Required for ULDD data delivery: Initial application is still not received.		 08/XX/2021     A 1 XXXXXXXXXX OR I 1 D   A   D   A   A   A   C   A     Exempt 1
1272420 XXXXXXXXXX XXXXXXXXXX 6113731 445 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Other income documentation missing/incomplete   Conditions Missing Supporting documents for SSI (1099/award letter) for B1 document received     08/XX/2021     A 1 XXXXXXXXXX OR I 1 D   A   D   A   A   A   C   A     Exempt 1
1272420 XXXXXXXXXX XXXXXXXXXX 6142281 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX OR I 1 D   A   D   A   A   A   C   A     Exempt 1
1272420 XXXXXXXXXX XXXXXXXXXX 6113728 9 XXXXXXXXXX Credit Application   Application - is missing   Initial Application is missing in the file.       08/XX/2021     A 1 XXXXXXXXXX OR I 1 D   A   D   A   A   A   C   A     Exempt 1
1272420 XXXXXXXXXX XXXXXXXXXX 6113729 9 XXXXXXXXXX Credit Application   Application - is missing   Initial Loan application is missing in file       08/XX/2021     A 1 XXXXXXXXXX OR I 1 D   A   D   A   A   A   C   A     Exempt 1
1272422 XXXXXXXXXX XXXXXXXXXX 6142282 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX NC I 1 C   A   A   A   A   A   C   A     Exempt 1
1272439 XXXXXXXXXX XXXXXXXXXX 6142287 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX NY I 1 D   A   D   A   C   A   C   A     Exempt 1
1272439 XXXXXXXXXX XXXXXXXXXX 6148554 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "07/XX/2021" or prior signed by the borrowers. Information Provided     10/XX/2021     A 1 XXXXXXXXXX NY I 1 D   A   D   A   C   A   C   A     Exempt 1
1272439 XXXXXXXXXX XXXXXXXXXX 6113800 431 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing   DU requires assets to support funds required and reserves   be verified with bank statements covering a two-month period. Documents in file covers 5/XX/2021 to 7/XX/2021 Account recently opened 5/XX - all available statements in file     09/XX/2021     A 1 XXXXXXXXXX NY I 1 D   A   D   A   C   A   C   A     Exempt 1
1272443 XXXXXXXXXX XXXXXXXXXX 6113810 913 XXXXXXXXXX Compliance Compliance   Compliance - Pending Completion of ComplianceEase/TRID Monitor Report.  Additional conditions may apply.     Auto-Cleared Compliance Testing Complete     08/XX/2021     A 1 XXXXXXXXXX TN I 1 C   A   A   A   C   A   A   A     Exempt 1
1272443 XXXXXXXXXX XXXXXXXXXX 6113812 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           08/XX/2021     A 1 XXXXXXXXXX TN I 1 C   A   A   A   C   A   A   A     Exempt 1
1272443 XXXXXXXXXX XXXXXXXXXX 6113813 970 XXXXXXXXXX Compliance Compliance   Compliance - CD- Missing   Missing Initial CD issued and received by borrowers 3 days prior to consummation date "07/XX/2021". Please provide the document.       08/XX/2021     A 1 XXXXXXXXXX TN I 1 C   A   A   A   C   A   A   A     Exempt 1
1272445 XXXXXXXXXX XXXXXXXXXX 6113818 862 XXXXXXXXXX Compliance Deed of Trust/Mortgage   Deed of Trust/Mortgage - Other:   Closing date is missing on Deed of Trust.       08/XX/2021     A 1 XXXXXXXXXX CO I 3 C   A   A   A   C   A   A   A     Exempt 1
1276186 XXXXXXXXXX XXXXXXXXXX 6142863 340 XXXXXXXXXX Credit UW Other   UW Other - UW - Insurance Missing (MI or Project)   Provide Master Insurance declarations page. Received   Client 10/XX/2021 12:56 PM; HOA master policy uploaded to client site.

 Reviewer 10/XX/2021 05:39 PM;

 Reviewer 10/XX/2021 07:42 AM; Hello,&#x0D;
Credit will address 		10/XX/2021     A 1 XXXXXXXXXX PA I 3 A   A   A   A   N/A A   A   A     Exempt 1
1276189 XXXXXXXXXX XXXXXXXXXX 6154954 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX IL I 3 C   A   A   A   A   A   C   A     Exempt 1
1276192 XXXXXXXXXX XXXXXXXXXX 6147508 336 09/XX/2021 Credit UW Income/Employment   UW Income/Employment - UW - Income Other   Provide proof of continued business existence within last 60 days for  XXXX. This can be recently renewed biz licenses, invoices/receipts/contracts showing ongoing business activity. It may also be a website updated in the last 60 days showing business is open/active, or a processor cert or CPA letter stating business was called or visited and open for business.                   Provide proof of continued business existence within last 60 days for  XXXX. This can be recently renewed biz licenses, invoices/receipts/contracts showing ongoing business activity. It may also be a website updated in the last 60 days showing business is open/active, or a processor cert or CPA letter stating business was called or visited and open for business. Received     10/XX/2021     A 1 04/XX/2021 CO I 3 C   B   C   B   A   A   A   A     Exempt 1
1276192 XXXXXXXXXX XXXXXXXXXX 6147513 336 09/XX/2021 Credit UW Income/Employment   UW Income/Employment - UW - Income Other   Proof of filing tax extension for both 2020 personal and business returns.     Client 10/XX/2021 01:54 PM; Waiver Request: Cash Reserves: Total/Months PITI-$XXXX / 44.  FICO 777, LTV/CLTV 56.279%, Seasoned property manager, mortgage history 0 x 30 x 60+.  8+ years self-employed. 15 years in the same line of work. mortgage history 0 x 30 x 60+.  

 Reviewer 10/XX/2021 04:17 PM; deficiency cleared		     10/XX/2021 B 2 04/XX/2021 CO I 3 C   B   C   B   A   A   A   A     Exempt 1
1276195 XXXXXXXXXX XXXXXXXXXX 6152686 338 XXXXXXXXXX Credit UW Other   UW Other - UW - Contract approval incomplete/not current   Provide fully executed sales contract signed by buyers and sellers. Must include all Addendums. Property xxxx. Received   Client 10/XX/2021 01:47 PM; The fully executed sales contract signed by buyers and sellers including all addendums for the subject property at xxxx was provided in the file.

 Reviewer 10/XX/2021 04:00 PM;

 Reviewer 10/XX/2021 11:59 AM; All conditions have been cleared. Thanks! 		10/XX/2021     A 1 XXXXXXXXXX NC I 1 A   A   A   A   A   A   A   A     Exempt 1
1276195 XXXXXXXXXX XXXXXXXXXX 6141819 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Loan originated with PIW. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX NC I 1 A   A   A   A   A   A   A   A     Exempt 1
1276198 XXXXXXXXXX XXXXXXXXXX 6133058 978 XXXXXXXXXX Compliance Application   Application - Demographic Addendum - Missing or Incomplete   Demographic Information Source must be completed.       09/XX/2021     A 1 XXXXXXXXXX CA I 13 B   A   A   A   B   A   A   A     Temporary QM Safe Harbor 1
1276201 XXXXXXXXXX XXXXXXXXXX 6133093 870 XXXXXXXXXX Compliance Appraisal   Appraisal - Other:   Appraisal showing single family however DU and MTG/DOT showing PUD along with PUD rider"     Reviewer 07/XX/2021 08:55 AM; Corrected DU provided reflecting property type as detached. Please provide a LOI to re-record along with the corrected DOT removing the PUD rider. 09/XX/2021     A 1 XXXXXXXXXX TX I 3 C   A   B   A   C   A   A   A     Exempt 1
1276203 XXXXXXXXXX XXXXXXXXXX 6160420 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX PA I 1 C   A   C   A   C   A   C   A     Exempt 1
1276207 XXXXXXXXXX XXXXXXXXXX 6133136 758 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit - PITIA for other REO incorrect/not included in debt ratio   Missing documentation to support xxxx xxxx Ln is owned free and clear and the borrower own.  Tax search on property indicates xxxx owns the property. Reviewed:  Property is owned by borrower spouse.     08/XX/2021     A 1 XXXXXXXXXX TX I 13 D   A   D   A   A   A   A   A     Exempt 1
1276207 XXXXXXXXXX XXXXXXXXXX 6133137 454 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW - Seasoning Requirement Not Met   Loan missing delayed financing documentation.  Guidelines for cash out refinances require property be owned more than 6 months.  Borrower purchased property 4/XX/2021 with this transactions note being dated 8/XX/2021 6 months have not elapsed. Reviewed & Cleared:  Property purchased acquired with own assets, recouping with this refinance.       08/XX/2021     A 1 XXXXXXXXXX TX I 13 D   A   D   A   A   A   A   A     Exempt 1
1276207 XXXXXXXXXX XXXXXXXXXX 6133133 440 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete 1040's   Missing 2020 1040 with Sch E for rental income.  xxxx xxxx xxxx has been owned since 3/XX/2016 and should be reporting on Sch E. Reviewed and cleared 3005 is handled through llc     08/XX/2021     A 1 XXXXXXXXXX TX I 13 D   A   D   A   A   A   A   A     Exempt 1
1276207 XXXXXXXXXX XXXXXXXXXX 6133134 1015 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - IRS Transcripts required   Missing IRS 1040 transcripts for 2020.  Per guidelines they are required when using rental income Reviewed & Cleared:  2020 IRS transcripts present.     08/XX/2021     A 1 XXXXXXXXXX TX I 13 D   A   D   A   A   A   A   A     Exempt 1
1276207 XXXXXXXXXX XXXXXXXXXX 6133135 758 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit - PITIA for other REO incorrect/not included in debt ratio   Missing documentation to support that mortgage payments include escrows for taxes/insurance for xxxx xxxx xxxx $XXXX and xxxx xxxx xxxx $XXXX.  1003 indicates no taxes and insurance for these properties. Reviewed and cleared:  xxxx xxxx is handled through LLC.  xxxx xxxx xxxx monthly payment coupon present showing PI.  TI is being escrowed.       08/XX/2021     A 1 XXXXXXXXXX TX I 13 D   A   D   A   A   A   A   A     Exempt 1
1276210 XXXXXXXXXX XXXXXXXXXX 6133160 1012 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Calculation Discrepancy self-employed income   The income used to qualify from XXXX is not supported by the income from the P&L statement as the P&L statement has the lowest amount that should have been used in qualifying. document received     08/XX/2021     A 1 XXXXXXXXXX CO I 1 C   A   C   A   A   A   C   A     Exempt 1
1276210 XXXXXXXXXX XXXXXXXXXX 6160424 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX CO I 1 C   A   C   A   A   A   C   A     Exempt 1
1276212 XXXXXXXXXX XXXXXXXXXX 6146518 392 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Debt Clarification   l714 document provided   Client 10/XX/2021 02:22 PM; See Internal credit refresh uploaded 10-XX-21 with verified XXXX CARD XXXX

 Reviewer 10/XX/2021 04:41 PM; deficiency cleared 		10/XX/2021     A 1 XXXXXXXXXX MI I 1 D   A   D   A   A   A   C   A     Exempt 1
1276212 XXXXXXXXXX XXXXXXXXXX 6146542 998 XXXXXXXXXX Credit UW Other   UW Other - UW - Title Commitment is missing or requires correction.   MISSING AN UPDATED TITLE REPORT ( EXPIRED PRIOR TO CLOSING) Doc received     10/XX/2021     A 1 XXXXXXXXXX MI I 1 D   A   D   A   A   A   C   A     Exempt 1
1276212 XXXXXXXXXX XXXXXXXXXX 6160425 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX MI I 1 D   A   D   A   A   A   C   A     Exempt 1
1276215 XXXXXXXXXX XXXXXXXXXX 6133200 432 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Evidence of downpayment missing/incomplete   Verification EM $XXXX from borrower funds is not provided and needed to meet Borrower’s 25% contribution of $XXXX ; deficiency created. document received     08/XX/2021     A 1 XXXXXXXXXX TX I 1 D   A   D   A   A   A   A   A     Exempt 1

 

 
 

 

Evolve Loan ID Customer Loan ID Seller Loan ID Loan Exception ID Exception ID Exception Date Exception Type Exception Category Exception Subcategory Exception Exception Detail Exception Information Exception Remediation Compensating Factors Follow-up Comments Cleared Date Cured Date Waived Date Exception Level Grade Exception Level Rating Note Date Property State Occupancy Purpose Overall Initial Loan Grade Overall Final Loan Grade Credit Initial Loan Grade Credit Final Loan Grade Compliance Initial Loan Grade Compliance Final Loan Grade Property Initial Loan Grade Property Final Loan Grade Originator QM ATR Status TPR QM ATR Status Is Curable
1276221 XXXXXXXXXX XXXXXXXXXX 6160429 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX AZ I 13 C   A   A   A   A   A   C   A     QM Safe Harbor 1
1276223 XXXXXXXXXX XXXXXXXXXX 6133235 334 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Employment - Inconsistent/Misrepresent   Letter of explanation for borrowers employers name. Is it xxxxx or xxxxx xxxxx is the parent company for xxxx.     08/XX/2021     A 1 XXXXXXXXXX NC I 1 C   A   C   A   A   A   A   A     Exempt 1
1276241 XXXXXXXXXX XXXXXXXXXX 6160436 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   A   A   C   A     Exempt 1
1276247 XXXXXXXXXX XXXXXXXXXX 6133357 913 XXXXXXXXXX Compliance Compliance   Compliance - Pending Completion of ComplianceEase/TRID Monitor Report.  Additional conditions may apply.     Auto-Cleared Compliance Testing Complete     08/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   A   A   C   A   A   A     Exempt 1
1276250 XXXXXXXXXX XXXXXXXXXX 6160437 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   A   A   C   A     Exempt 1
1276252 XXXXXXXXXX XXXXXXXXXX 6154985 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX TX I 13 C   A   A   A   A   A   C   A     Temporary QM Safe Harbor 1
1276255 XXXXXXXXXX XXXXXXXXXX 6160438 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) cda received within tolerance     10/XX/2021     A 1 XXXXXXXXXX TX I 1 A   A   A   A   A   A   A   A     Exempt 1
1276255 XXXXXXXXXX XXXXXXXXXX 6146065 270 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Satisfactory 2nd Appraisal Report   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) cda received within tolerance     10/XX/2021     A 1 XXXXXXXXXX TX I 1 A   A   A   A   A   A   A   A     Exempt 1
1276258 XXXXXXXXXX XXXXXXXXXX 6160440 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX AL I 1 C   A   A   A   C   A   A   A     Exempt 1
1276258 XXXXXXXXXX XXXXXXXXXX 6133394 913 XXXXXXXXXX Compliance Compliance   Compliance - Pending Completion of ComplianceEase/TRID Monitor Report.  Additional conditions may apply.     Auto-Cleared Compliance Testing Complete     08/XX/2021     A 1 XXXXXXXXXX AL I 1 C   A   A   A   C   A   A   A     Exempt 1
1276977 XXXXXXXXXX XXXXXXXXXX 6150912 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "07/XX/2021" or prior signed by the borrowers. Information Provided   Client 10/XX/2021 12:25 PM; Please review the uploaded eConsent to clear this finding.  Thank you.

 Reviewer 10/XX/2021 02:44 PM;

 Reviewer 10/XX/2021 04:19 PM; Hello,  TDocs uploaded will be reviewed within 24 hours from time of upload. Please only escalate if docs have not been reviewed within this time frame. Thank you, xxx		 10/XX/2021     A 1 XXXXXXXXXX CO I 13 C   A   A   A   C   A   A   A     QM Safe Harbor 1
1276982 XXXXXXXXXX XXXXXXXXXX 6148291 901 XXXXXXXXXX Compliance Compliance   Compliance - TRID Other   Initial disclosures were delivered to the borrower electronically need e-consent form "07/XX/2021" or prior signed by the borrowers. Information Provided   Client 10/XX/2021 03:49 PM; Please review uploaded E consent to clear this finding.  Thank you.

 Reviewer 10/XX/2021 08:19 AM;

 Reviewer 10/XX/2021 08:41 AM; Docs will be reviewed within 24 hours from upload.  Thanks! 		10/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   A   A   C   A   A   A     QM Safe Harbor 1
1276985 XXXXXXXXXX XXXXXXXXXX 6156469 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   A soft-pull, gap report, or undisclosed debt monitoring service (UDM) was not obtained within 10 calendar days of the note date, as required by the guidelines. The most recent report provided was dated 3/XX/21 and the note date is 6/XX/21 document provided   Client 10/XX/2021 02:18 PM; Please review uploaded UDM to clear this finding.  Thank you.

 Reviewer 10/XX/2021 04:36 PM; deficiency cleared 		10/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   A   A     Exempt 1
1276985 XXXXXXXXXX XXXXXXXXXX 6156470 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Title is vested in a trust and a copy of the full trust was not provided, as required by the guidelines. document provided   Client 10/XX/2021 02:19 PM; Please review the uploaded title to clear this finding.  Thank you.

 Reviewer 10/XX/2021 04:37 PM; deficiency cleared 		10/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   A   A     Exempt 1
1276991 XXXXXXXXXX XXXXXXXXXX 6150873 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrowers electronically need e-consent form "07/XX/2021" or prior signed by the borrowers. Information Provided   Client 10/XX/2021 03:30 PM; Please review uploaded Econsent to clear this finding.  Thank you.

 Reviewer 10/XX/2021 03:32 PM;

 Reviewer 10/XX/2021 08:35 AM; Hello,&#x0D;
 Docs will be reviewed within 24 hours from upload.  Please only escalate if the doc was not reviewed within the 24 hour time frame given.  &#x0D;
Thanks!		 10/XX/2021     A 1 XXXXXXXXXX IL I 1 C   A   A   A   C   A   A   A     Exempt 1
1276999 XXXXXXXXXX XXXXXXXXXX 6165081 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide mortgage statement, property taxes, insurance and HOA Dues (if applicable) statements for the property located at xxxx document provided   Reviewer 10/XX/2021 10:29 AM; Not provided

 Client 10/XX/2021 02:27 PM; Please review the 4 uploaded documents labeled HOA, HOI, Tax Cert and Mortgage Statement to clear this finding.  Thank you.

 Reviewer 10/XX/2021 04:45 PM; deficiency cleared 		10/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   C   A   A   A     Exempt 1
1276999 XXXXXXXXXX XXXXXXXXXX 6151210 895 XXXXXXXXXX Compliance Compliance   Compliance - TRID CD- Need proof CD was received 3 days prior to consummation   Need proof Initial CD(08/XX/2021) was received 3 days prior to consummation(08/XX/2021) Information Provided   Client 10/XX/2021 03:43 PM; Please review the uploaded document labeled CD to clear this finding.  Thank you.

 Reviewer 10/XX/2021 08:18 AM;

 Reviewer 10/XX/2021 08:40 AM; Docs will be reviewed within 24 hours from upload.  Thanks! 		10/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   C   A   A   A     Exempt 1
1276999 XXXXXXXXXX XXXXXXXXXX 6151211 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     10/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   C   A   A   A     Exempt 1
1276999 XXXXXXXXXX XXXXXXXXXX 6151212 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrowers electronically need e-consent from "08/XX/2021" or prior signed by the borrowers. Information Provided   Client 10/XX/2021 03:43 PM; Please review the uploaded Econsent to clear this finding.  Thank you.

 Reviewer 10/XX/2021 08:18 AM;

 Reviewer 10/XX/2021 08:40 AM; Docs will be reviewed within 24 hours from upload.  Thanks! 		10/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   C   A   A   A     Exempt 1
1282180 XXXXXXXXXX XXXXXXXXXX 6165128 895 XXXXXXXXXX Compliance Compliance   Compliance - TRID CD- Need proof CD was received 3 days prior to consummation   Need proof initial CD (08/XX/2021) was received 3 days prior to consummation Information Provided   Client 10/XX/2021 02:54 PM; Please review the uploaded document labeled CD to clear this finding.  Thank you.

 Reviewer 10/XX/2021 02:55 PM;

 Reviewer 10/XX/2021 08:26 AM; Hello,&#x0D;
 Docs will be reviewed within 24 hours from upload.  Please only escalate if the doc was not reviewed within the 24 hour time frame given.  &#x0D;
Thanks!		 10/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   C   A   C   A     Exempt 1
1282180 XXXXXXXXXX XXXXXXXXXX 6165130 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     10/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   C   A   C   A     Exempt 1
1282180 XXXXXXXXXX XXXXXXXXXX 6165131 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "6/XX/2021" or prior signed by Borrower.signed by Borrower. Information Provided   Client 10/XX/2021 12:27 PM; Please review the uploaded eConsent to clear this finding.  Thank you.

 Reviewer 10/XX/2021 02:45 PM;

 Reviewer 10/XX/2021 04:20 PM; Hello,  TDocs uploaded will be reviewed within 24 hours from time of upload. Please only escalate if docs have not been reviewed within this time frame. Thank you, xxx		 10/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   C   A   C   A     Exempt 1
1282180 XXXXXXXXXX XXXXXXXXXX 6166455 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   C   A   C   A     Exempt 1
1282183 XXXXXXXXXX XXXXXXXXXX 6166515 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   C   A   C   A     Exempt 1
1282183 XXXXXXXXXX XXXXXXXXXX 6165765 897 XXXXXXXXXX Compliance Compliance   Compliance - TRID CD- Other   Need payment history reflecting the principal reduction amount $xxx Information Provided   Client 10/XX/2021 03:13 PM; Please review the uploaded pay history to clear this finding.  Thank you.

 Client 10/XX/2021 03:13 PM; Please review the uploaded pay history to clear this finding.  Thank you.

 Reviewer 10/XX/2021 03:30 PM;

 Reviewer 10/XX/2021 03:30 PM;

 Reviewer 10/XX/2021 08:29 AM; Hello,&#x0D;
 Docs will be reviewed within 24 hours from upload.  Please only escalate if the doc was not reviewed within the 24 hour time frame given.  &#x0D;
Thanks!

 Reviewer 10/XX/2021 08:30 AM; Hello,&#x0D;
 Docs will be reviewed within 24 hours from upload.  Please only escalate if the doc was not reviewed within the 24 hour time frame given.  &#x0D;
Thanks!		 10/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   C   A   C   A     Exempt 1
1282186 XXXXXXXXXX XXXXXXXXXX 6165236 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower's electronically need e-consent form "07/XX/2021" or prior signed by the borrower's. Information Provided     10/XX/2021     A 1 XXXXXXXXXX MA I 1 C   A   A   A   C   A   A   A     Exempt 1
1282189 XXXXXXXXXX XXXXXXXXXX 6166613 1108 09/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Loan originated with PIW. (Internal condition only - No action required by Correspondent) AVM received and is within tolerances     09/XX/2021     B 1 08/XX/2021 AZ I 3 C   B   A   A   A   A   C   B   Exempt 1
1190581 XXXXXXXXXX XXXXXXXXXX 5743043 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "02/XX/2021" or prior signed by the borrowers. Information Provided     10/XX/2021     A 1 XXXXXXXXXX FL I 1 C   A   A   A   C   A   C   A     Exempt 1
1190581 XXXXXXXXXX XXXXXXXXXX 5780704 270 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Satisfactory 2nd Appraisal Report   Missing Collateral Desktop Analysis Information Provided     06/XX/2021     A 1 XXXXXXXXXX FL I 1 C   A   A   A   C   A   C   A     Exempt 1
1190682 XXXXXXXXXX XXXXXXXXXX 5778523 381 XXXXXXXXXX Credit UW Other   UW Other - UW - Updated Review required   Per DU Findings, xxx #xxxx, #xxxx & xxx #xxxx mortgages were omitted. Findings also state the following 3 mortgage cannot be verified xxxx $xxxk, xxxx $xxxk & xxxx $xxxk. 1008 comments state xxxx refinances omitted from qualifying ratios. REOs/mortgages were not accurately reconciled and requires clarification. documentation provided   Client 09/XX/2021 03:52 PM; ***Please specify the document being requested for “1008 comments state xxxx Refinances omitted from ratios.  REOs/mortgages were not accurately reconciled and requires clarification.”***  Proof of pay offs and PITI for the 3 new xxxx mortgages are pgs. 943-1031 of bundled images.

 Reviewer 09/XX/2021 09:05 AM; please supply CD for three new mortgages showing payoffs and new PITI

 Reviewer 09/XX/2021 09:06 AM; please supply CD for three new mortgages and evidence of new PITI

 Client 09/XX/2021 09:51 AM; Proof of pay offs of xxxx #xxxx, #xxxx &amp; LoanCare  #xxxx and PITI for the 3 new xxxx mortgages are pgs. 943-1031 of bundled images.

 Reviewer 09/XX/2021 11:49 AM; condition amended

 Client 09/XX/2021 12:34 PM; I just uploaded everything again in case you couldn't find it in the bundled images.

 Reviewer 09/XX/2021 02:39 PM; condition cleared		 09/XX/2021     A 1 XXXXXXXXXX CA I 3 D   A   D   A   B   A   C   A     Exempt 1
1190682 XXXXXXXXXX XXXXXXXXXX 5778527 445 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Other income documentation missing/incomplete   Note Receivable income copy of executed Note, verify that the income has been received for most recent 12 months and will continue for at least 3 years. Per agreement for sale of xxxx, payments are $xxxx per month. Payment deposits to xxxx confirmed for the following dates 12/xx, 1/xx, 2/xx, 11/xx, 12/xx. Missing evidence of receipt of payments for 3/xx through 10/xx. document provided   Client 09/XX/2021 04:25 PM; Agree with deficiency.  However, in addition to completing the 12 mo. history, the January 2021 payment must also be documented to meet COVID-19 age of documents guidelines to be within 60 days of the note dated 3/xx.

 Reviewer 09/XX/2021 07:50 AM;  in addition to completing the 12 mo. history, the January 2021 payment must also be documented to meet COVID-19 age of documents guidelines to be within 60 days of the note dated 3/xx.

 Reviewer 09/XX/2021 07:51 AM; deficiency has been updated

 Client 10/XX/2021 10:12 AM; Proof of missing payments of note income has been uploaded to 4255717701_TDOC_xxxx Note Income (March 2020-Jan 2021)_101112.pdf

 Reviewer 10/XX/2021 02:15 PM; deficiency cleared 		10/XX/2021     A 1 XXXXXXXXXX CA I 3 D   A   D   A   B   A   C   A     Exempt 1
1190682 XXXXXXXXXX XXXXXXXXXX 5778535 337 XXXXXXXXXX Credit UW Other   UW Other - UW - HUD-1 to evidence payment of debts   Missing page #2 of settlement statement evidencing sale ofxxxx (existing mortgage with xxxx #xxxx recently paidoff). credit supplement provided paid in full   Client 09/XX/2021 04:32 PM; The mortgage update in the file shows the xxxx mortgage was paid off on 2/xx and the settlement statement for the sale of the property shows the sale closed on 2/xx.  The mortgage update has been uploaded again.  Please clear condition.

 Reviewer 09/XX/2021 07:53 AM; deficiency has been cleared 		09/XX/2021     A 1 XXXXXXXXXX CA I 3 D   A   D   A   B   A   C   A     Exempt 1
1190682 XXXXXXXXXX XXXXXXXXXX 5778561 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   FNMA CUR score is 2.9. Clear Capital Collateral Desktop Analysis Report is missing. Information Provided     06/XX/2021     A 1 XXXXXXXXXX CA I 3 D   A   D   A   B   A   C   A     Exempt 1
1190682 XXXXXXXXXX XXXXXXXXXX 5778901 229 XXXXXXXXXX Compliance UW Approval   UW Approval - Signed underwriting approval not in the file:   Loan Approval is missing. Per xxxx, there are no Lender Approval Letters on 6222 loans.     06/XX/2021     A 1 XXXXXXXXXX CA I 3 D   A   D   A   B   A   C   A     Exempt 1
1190695 XXXXXXXXXX XXXXXXXXXX 5747644 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           09/XX/2021     A 1 XXXXXXXXXX WA I 3 D   A   A   A   C   A   D   A     Exempt 1
1190695 XXXXXXXXXX XXXXXXXXXX 5795538 262 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW -  Appraisal Report Missing   Per AUS indicates SFR detached PUD; PUD rider in file. Subject section on the Appraisal missing PUD/HOA fee. missing HOA statement. documentation provided   Client 09/XX/2021 11:04 AM; HOA listed on the 1003, Appraisal report update should be Internal

 Reviewer 09/XX/2021 11:44 AM; condition remains open, need proof of HOA dues

 Reviewer 09/XX/2021 11:44 AM; need proof of HOA dues.

 Client 09/XX/2021 11:10 AM; Appraisal report reflects monthly HOA dues of $490.00 for the subject.

 Reviewer 09/XX/2021 02:10 PM; condition remains open

 Reviewer 09/XX/2021 02:12 PM; appraisal provided still does not reflect HOA dues

 Client 09/XX/2021 08:18 AM; Redfin property information reflects HOA dues of $43.00 per month, document uploaded. Qualifying DTI 35.49%; adding the $43.00 monthly HOA, the DTI increases to 35.49% which is within the 3% tolerance.

 Reviewer 09/XX/2021 08:21 AM; condition cleared		 09/XX/2021     A 1 XXXXXXXXXX WA I 3 D   A   A   A   C   A   D   A     Exempt 1
1190698 XXXXXXXXXX XXXXXXXXXX 5782644 445 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Other income documentation missing/incomplete   Justification for use of lease amount of $xxxx for investment subject property xxxx. Borrower has owned property since 2016 and is reflected on 2019 1040 schedule E. Per 1040 subject rental loss is $xxxx.     Client 07/XX/2021 05:39 PM; The Lease agreement first payment is Due August 1st, 2019.  140 Schedule E is 5 months of income.  Net Rental loss is $1034.00.  Appraisal states Current Rent at $6000.00.  1007 states the market rent at $5800.00.  The Lease agreement provided is not signed.  Please update the condition.

 Reviewer 07/XX/2021 02:08 PM; we need to use the lesser of the lease or appraisal, tax returns only show 5 mos with of income based on lease date, rental income should be $5800

 Reviewer 07/XX/2021 02:09 PM; cannot use lease agreement, need to use lesser of lease or 1007 of $5800

 Client 10/XX/2021 12:13 PM; Using lease or market rent from appraisal would be prudent in this case due to the fact that the property was not lease for the entire year of 2019.  There is a lease in file for 6500,not fully executed,  the appraiser indicates the subject is currently rented at $6000 per month and that the market rent is $5800.  using the 5800, lesser of the two net rent would be +$7.00 per month. using the 5800 per month for rent is justified and acceptable for this scenario.  

 Reviewer 10/XX/2021 04:02 PM; deficiency updated 		10/XX/2021     A 1 XXXXXXXXXX MD I 3 D   A   D   A   A   A   A   A     Exempt 1
1190698 XXXXXXXXXX XXXXXXXXXX 5782649 375 XXXXXXXXXX Credit UW Other   UW Other - UW - Title/Deed to evidence ownership   Copy of note for xxxx verifying borrower is not on note. Mortgage statement is in file however copy of note is required.     Client 07/XX/2021 05:49 PM; The Monthly Mortgage statement and the LoanSafe Risk Manager state the owners of xxxx as xxx &xxx; xxx, xxx, ans xxx as the Third Borrower.

 Reviewer 07/XX/2021 01:57 PM; still need copy of the Note. Mortgage statement is not acceptable.

 Reviewer 07/XX/2021 01:57 PM; Copy of Note is required to prove not on Loan.

 Client 09/XX/2021 07:16 PM; xxx property - lox in file from borrower stating that this is her parents property she is on deed but not mortgage.  Fraud report also shows she is not on title,

 Reviewer 09/XX/2021 08:22 AM; condition has been cleared		 09/XX/2021     A 1 XXXXXXXXXX MD I 3 D   A   D   A   A   A   A   A     Exempt 1
1190698 XXXXXXXXXX XXXXXXXXXX 5782650 375 XXXXXXXXXX Credit UW Other   UW Other - UW - Title/Deed to evidence ownership   Copy of note for xxxx verifying borrower is not on note. Mortgage statement is in file however copy of note is required. documentation provided on fraud report   Client 07/XX/2021 05:53 PM; The Monthly Mortgage statement and the LoanSafe Risk Manager state the owners of xxxx as xxxx, and the Second Owner as xxxx.

 Reviewer 07/XX/2021 02:02 PM; still missing copy of Note to show no ownership

 Reviewer 07/XX/2021 02:03 PM; Note still need to prove no ownership for borrower

 Client 09/XX/2021 07:15 PM; xxxx is primary residence - Fraud report shows not in our borrowers name,&#x0D;
There are NO mortgages reporting on credit in borrowers name. and borrower disclosed as owning xxxx &amp; has lived there for 5 years ( based on 1003)  &#x0D;
&#x0D;


 Reviewer 09/XX/2021 08:32 AM; condition cleared		 09/XX/2021     A 1 XXXXXXXXXX MD I 3 D   A   D   A   A   A   A   A     Exempt 1
1190702 XXXXXXXXXX XXXXXXXXXX 5743765 861 06/XX/2021 Compliance Note   Note - Other:   NOTE date is 03/XX/2021 however consummation date (02/XX/2021) is prior to NOTE date. Please provide LOX for the same. Information Provided   Reviewer 09/XX/2021 11:43 AM; Please provide corrected Note, received LOX. 09/XX/2021     A 1 03/XX/2021 MA I 3 C   B   A   A   C   A   C   B   Exempt 1
1190702 XXXXXXXXXX XXXXXXXXXX 5772701 270 06/XX/2021 Valuation UW Collateral   UW Collateral - UW - Satisfactory 2nd Appraisal Report   Approved w/PIW, AVM required AVM image received     06/XX/2021     B 1 03/XX/2021 MA I 3 C   B   A   A   C   A   C   B   Exempt 1
1190704 XXXXXXXXXX XXXXXXXXXX 5782698 433 06/XX/2021 Credit UW Assets   UW Assets - UW - Short funds to close   File is short funds to close. Estimated funds to close are $xxxx and liquid assets verified total $xxxx. received   Client 06/XX/2021 10:39 AM; Invalid - Sufficient assets are verified with the borrowers retirement account which are in his name only. Per FNMA, Assets may be excluded from the loan application if the borrower can qualify without them. Please waive.

 Client 06/XX/2021 10:39 AM; Invalid - Sufficient assets are verified with the borrowers retirement account which are in his name only. Per FNMA, Assets may be excluded from the loan application if the borrower can qualify without them. Please waive.

 Reviewer 06/XX/2021 12:57 PM; if using retirement account still need terms of withdrawal.

 Reviewer 06/XX/2021 12:57 PM; condition amended,  if using retirement account still need terms of withdrawal.

 Reviewer 06/XX/2021 01:00 PM; if using retirement account still need terms of withdrawal

 Client 09/XX/2021 02:00 PM; funds not required to be liquidated and retirement statements.  Sufficient funds to close provided in loan file.

 Reviewer 09/XX/2021 09:38 AM; condition cleared		 09/XX/2021     A 1 03/XX/2021 MD I 3 C   B   C   A   A   A   C   B   Exempt 1
1190704 XXXXXXXXXX XXXXXXXXXX 5782719 320 06/XX/2021 Credit UW Assets   UW Assets - UW - Asset Other   Missing 2nd consecutive month’s statement for the following accounts XXXX #xxxx & XXXX(retirement). received quarterly statements   Client 06/XX/2021 10:40 AM; Invalid - Sufficient assets are verified with the borrowers retirement account which are in his name only. Per FNMA, Assets may be excluded from the loan application if the borrower can qualify without them. Please waive.

 Reviewer 06/XX/2021 12:59 PM; condition stands.

 Client 09/XX/2021 02:01 PM; retirement &amp; 401K statements issued quarterly not monthly.

 Reviewer 09/XX/2021 09:38 AM; condition cleared		 09/XX/2021     A 1 03/XX/2021 MD I 3 C   B   C   A   A   A   C   B   Exempt 1
1190704 XXXXXXXXXX XXXXXXXXXX 6210632 272 10/XX/2021 Valuation UW Collateral   UW Collateral - UW - Appraisal Other   Loan qualified using PIW.   PIW is acceptable, no additional concerns.       10/XX/2021 B 2 03/XX/2021 MD I 3 C   B   C   A   A   A   C   B   Exempt 1
1190739 XXXXXXXXXX XXXXXXXXXX 5815316 265 XXXXXXXXXX Credit UW Collateral   UW Collateral - UW - FNMA 1007 / FNMA 216   Appraisal in file does not contain FNMA 1007/FNMA 216 Documentation has been provided.     Client 09/XX/2021 12:01 PM; Please move to internal

 Reviewer 09/XX/2021 10:42 AM; condition amended		 09/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   C   A   A   A   A   A     Exempt 1
1190828 XXXXXXXXXX XXXXXXXXXX 5747996 902 06/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 03/XX/2021 CA I 13 C   B   C   A   C   B   A   A     Temporary QM Safe Harbor 1
1190828 XXXXXXXXXX XXXXXXXXXX 6155590 899 09/XX/2021 Compliance Compliance   Compliance -  Finance Charge is Understated by more than $100   Please provide itemization of the Lender Credit. Information Provided     09/XX/2021     A 1 03/XX/2021 CA I 13 C   B   C   A   C   B   A   A     Temporary QM Safe Harbor 1
1190828 XXXXXXXXXX XXXXXXXXXX 5767726 884 06/XX/2021 Compliance Compliance   Compliance - Pending Internal completion of compliance fee tests.  Additional conditions may apply.     Information Provided   Reviewer 09/XX/2021 09:21 AM; escalated for review 09/XX/2021     A 1 03/XX/2021 CA I 13 C   B   C   A   C   B   A   A     Temporary QM Safe Harbor 1
1190828 XXXXXXXXXX XXXXXXXXXX 5767727 898 06/XX/2021 Compliance Compliance   Compliance - TRID- Fee Tolerance Violation   Tolerance exceeded by $75 due to the increase in appraisal with no valid COC, please provide proof of refund, LOX and PCCD reflecting the cure         09/XX/2021   B 2 03/XX/2021 CA I 13 C   B   C   A   C   B   A   A     Temporary QM Safe Harbor 1
1190828 XXXXXXXXXX XXXXXXXXXX 5778259 1017 06/XX/2021 Credit UW Income/Employment   UW Income/Employment - UW - Profit and Loss required   The Ytd and / 2020 P & L prepared by borrower or CPA was not found in the file. P&L received.   Reviewer 09/XX/2021 12:19 PM; Received P&amp;L from Jan - Dec 2020.  Still missing 2021 year to date P&amp;L. 09/XX/2021     A 1 03/XX/2021 CA I 13 C   B   C   A   C   B   A   A     Temporary QM Safe Harbor 1
1190924 XXXXXXXXXX XXXXXXXXXX 5724511 868 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - Other:   Kindly upload updated Hazard Insurance Policy.     Reviewer 04/XX/2021 12:32 PM; need policy that goes more than 30 days out 04/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   A   A     Exempt 1
1190924 XXXXXXXXXX XXXXXXXXXX 5748101 201 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - is missing.   Blanket HOA Master Policy is Missing Provided.     09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   A   A     Exempt 1
1190924 XXXXXXXXXX XXXXXXXXXX 5825748 265 XXXXXXXXXX Credit UW Collateral   UW Collateral - UW - FNMA 1007 / FNMA 216   The Rent Schedule Form 1007 is missing from the file.  Per DU Message #3, a rent schedule on Form 1007 is required unless the borrower is being qualified for the entire payment without the benefit of rental income. Rental income was used to qualify the Borrower.     Client 06/XX/2021 01:30 PM; Not required.  Qualifying with full payment.  Estimate of rent in file

 Reviewer 07/XX/2021 09:55 AM; condition cleared 		07/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   A   A     Exempt 1
1191180 XXXXXXXXXX XXXXXXXXXX 5792044 335 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Calculation Incorrect   Rental income used in DU Findings $7000 is not supported with 2019 tax returns $4891.83 and subject rental loss $2017 total debt $6812 resulting in DTI 93.47% Documentation has been provided.       08/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   C   A   A   A     Exempt 1
1191180 XXXXXXXXXX XXXXXXXXXX 5752729 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     07/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   C   A   A   A     Exempt 1
1191180 XXXXXXXXXX XXXXXXXXXX 5752730 975 XXXXXXXXXX Compliance Compliance   Compliance - CD- Payee Name missing or incorrect   Payee name is showing TBD for Title-Notary Fee in Section-C in CD dated 03/XX/2021.Please Provide correct PCCD for the same. Information Provided     07/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   C   A   A   A     Exempt 1
1191271 XXXXXXXXXX XXXXXXXXXX 5810356 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Borrower recently purchased XXXX property in 2021. In order to utilize rental income, copy of signed XXXX $xxxx. Final Signed Closing Disclosure/Closing Statement is needed. Loan Estimate was provided verifying pitia of $xxxx per month. Documentation has been provided.       08/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   A   A     Exempt 1
1191271 XXXXXXXXXX XXXXXXXXXX 5810357 392 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Debt Clarification   Status of XXXX is unknown. Property reflected on 2018 & 2019 1040 schedule E but not listed on final 1003. Documentation has been provided to support property was sold in December 2020.       07/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   A   A     Exempt 1
1191271 XXXXXXXXXX XXXXXXXXXX 5810358 1010 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Debt clarification - Provide explanation for ommission of debt from AUS   Per DU, omitted XXXX $xxxx mortgage. It appears that borrower refinanced with XXXX $xxxx but Final Closing Disclosure/Closing Statement verifying terms & pitia, of $xxxx per month is missing.     Client 09/XX/2021 11:26 AM;   Updated credit refresh ran and verifies PITI. Please review and advise.

 Reviewer 09/XX/2021 01:45 PM; condition cleared		 09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   A   A     Exempt 1
1191271 XXXXXXXXXX XXXXXXXXXX 5810364 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   Verification of 2020 year end dividend/interest income is missing.     Client 07/XX/2021 02:11 PM; Disagree: 2018 &amp; 2019 Tax returns were used to verify income.  2020 extension provided.  Per AUS &amp; GL's Document a two-year history of the income, as verified by copies of the borrower's signed federal income tax returns, or copies of account statements.

 Reviewer 07/XX/2021 03:11 PM; condition has been cleared		 07/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   A   A     Exempt 1
1191271 XXXXXXXXXX XXXXXXXXXX 5810403 397 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Inquiries not properly addressed   Inquiry letter addressing the following is missing Premium Credit Bureau 1/XX/21, 1/XX/21, XXXX 11/XX/20. Documentation has been provided.       08/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   A   A     Exempt 1
1191271 XXXXXXXXXX XXXXXXXXXX 5810421 339 XXXXXXXXXX Credit UW Other   UW Other - UW - Data Input Error   Hazard insurance policy for subject property is missing. Documentation has been provided.       07/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   A   A     Exempt 1
1191305 XXXXXXXXXX XXXXXXXXXX 6204219 272 10/XX/2021 Valuation UW Collateral   UW Collateral - UW - Appraisal Other   Loan qualified using PIW.   PIW is acceptable, no additional concerns.       10/XX/2021 B 2 03/XX/2021 CA I 3 B   B   A   A   A   A   B B   Exempt 1
1191357 XXXXXXXXXX XXXXXXXXXX 5727458 201 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - is missing.   Missing Hazard Ins dec page(only binder has been provided and is not acceptable as premium does not showed paid for 12 months on final CD)       04/XX/2021     A 1 XXXXXXXXXX MA I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1191357 XXXXXXXXXX XXXXXXXXXX 5747754 875 XXXXXXXXXX Compliance Disclosure   Disclosure - Other:   Privacy Notice is missing. Information Provided   Reviewer 07/XX/2021 01:29 PM; outstanding 07/XX/2021     A 1 XXXXXXXXXX MA I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1191357 XXXXXXXXXX XXXXXXXXXX 5747757 875 XXXXXXXXXX Compliance Disclosure   Disclosure - Other:   Borrower Authorization form is missing. Information Provided   Reviewer 07/XX/2021 01:29 PM; outstanding 07/XX/2021     A 1 XXXXXXXXXX MA I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1191357 XXXXXXXXXX XXXXXXXXXX 5801892 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   No CU score and therefore, AVM/Desk Review is required. Information Provided   Client 07/XX/2021 10:21 AM; Please update to Internal Condition. No action needed by client

 Reviewer 07/XX/2021 10:28 AM; internal condition, no action required from client

 Reviewer 07/XX/2021 10:28 AM; deficiency has been amended 		09/XX/2021     A 1 XXXXXXXXXX MA I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1191374 XXXXXXXXXX XXXXXXXXXX 5810694 431 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing   Provide 3 months of the business bank statements. Bank statements received.   Client 07/XX/2021 10:31 AM; 3 months business bank statements not required when P &amp; L is completed by CPA

 Reviewer 07/XX/2021 10:29 AM; per FNMA guidelines, 3 months bank statement are required to validate stability of cash flow on the P&amp;L.		 09/XX/2021     A 1 XXXXXXXXXX MD I 1 D   A   D   A   A   A   A   A     Exempt 1
1191374 XXXXXXXXXX XXXXXXXXXX 5810695 384 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Self-Employment status required   Provide proof of continued business existence within last 60 days for XXXX. This can be recently renewed biz licenses, invoices/receipts/contracts showing ongoing business activity. It may also be a website updated in the last 60 days showing business is open/active, or a processor cert or CPA letter stating business was called or visited and open for business. Documentation has been provided.       09/XX/2021     A 1 XXXXXXXXXX MD I 1 D   A   D   A   A   A   A   A     Exempt 1
1191374 XXXXXXXXXX XXXXXXXXXX 5810981 1015 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - IRS Transcripts required   Provide the 2019 Tax Transcripts to validate the SE income and Rental income. Documentation has been provided.     Client 07/XX/2021 10:40 AM; Tax transcripts are not required when signed tax returns are received per FNMA B3-3.2-01 :For certain loan casefiles DU will issue a message permitting only one year of personal and business tax returns, provided lenders document the income by:&#x0D;
•obtaining signed individual and business federal income tax returns for the most recent year,&#x0D;
•confirming the tax returns reflect at least 12 months of self-employment income, and&#x0D;
•completing Fannie Mae’s Cash Flow Analysis

 Client 07/XX/2021 10:40 AM; Tax transcripts are not required when signed tax returns are received per FNMA B3-3.2-01 :For certain loan casefiles DU will issue a message permitting only one year of personal and business tax returns, provided lenders document the income by:&#x0D;
•obtaining signed individual and business federal income tax returns for the most recent year,&#x0D;
•confirming the tax returns reflect at least 12 months of self-employment income, and&#x0D;
•completing Fannie Mae’s Cash Flow Analysis

 Reviewer 07/XX/2021 10:33 AM; per guidelines, transcripts are required when tax returns are considered in evaluating the qualifying income.

 Reviewer 07/XX/2021 10:34 AM; per guidelines, transcripts are required when tax returns are considered in evaluating the qualifying income. 		09/XX/2021     A 1 XXXXXXXXXX MD I 1 D   A   D   A   A   A   A   A     Exempt 1
1191374 XXXXXXXXXX XXXXXXXXXX 5811006 340 XXXXXXXXXX Credit UW Other   UW Other - UW - Insurance Missing (MI or Project)   Provide the HOA cert. with payment details. Appraisal report provided (1st page) that shows the HOA monthly amount.  Condition has been cleared.       09/XX/2021     A 1 XXXXXXXXXX MD I 1 D   A   D   A   A   A   A   A     Exempt 1
1191471 XXXXXXXXXX XXXXXXXXXX 5760389 973 XXXXXXXXXX Compliance Compliance   Compliance - CD- Other   Please provide legible image for cd executed at closing. The section headings are blacked out and illegible on the image provided. Information Provided     09/XX/2021     A 1 XXXXXXXXXX DC I 3 C   A   C   A   C   A   A   A     Exempt 1
1191471 XXXXXXXXXX XXXXXXXXXX 5728128 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event           04/XX/2021     A 1 XXXXXXXXXX DC I 3 C   A   C   A   C   A   A   A     Exempt 1
1191471 XXXXXXXXXX XXXXXXXXXX 5728130 320 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Other   Missing $21,591.21 reported on the AUS not located on two months of statements provided by B1.       04/XX/2021     A 1 XXXXXXXXXX DC I 3 C   A   C   A   C   A   A   A     Exempt 1
1191471 XXXXXXXXXX XXXXXXXXXX 5728131 318 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Source of Large Deposit   Missing LOE for deposits made on 2/XX/2021 in the amount of 10,000.00, 5379.00 on 12/XX/2020 and 12/XX/2020       04/XX/2021     A 1 XXXXXXXXXX DC I 3 C   A   C   A   C   A   A   A     Exempt 1
1191508 XXXXXXXXXX XXXXXXXXXX 5728356 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event           04/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   A   A   C   A   C   A     Temporary QM Safe Harbor 1
1191508 XXXXXXXXXX XXXXXXXXXX 5766456 270 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Satisfactory 2nd Appraisal Report   CU score 4; pending CDA Information Provided     06/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   A   A   C   A   C   A     Temporary QM Safe Harbor 1
1191612 XXXXXXXXXX XXXXXXXXXX 5817650 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   There is no CU score on this file and AVM or Desk review is required. Information Provided     06/XX/2021     A 1 XXXXXXXXXX OR I 13 C   A   C   A   A   A   C   A     Temporary QM Safe Harbor 1
1191612 XXXXXXXXXX XXXXXXXXXX 5818157 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Explanation is missing for borrowers current primary residence status as they are currently occupying second home. documentation has been provided.     07/XX/2021     A 1 XXXXXXXXXX OR I 13 C   A   C   A   A   A   C   A     Temporary QM Safe Harbor 1
1191612 XXXXXXXXXX XXXXXXXXXX 5818158 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Documentation showing the property at xxxx xxxx xxxx Ln is owned free & clear is missing. Documentation has been provided.       07/XX/2021     A 1 XXXXXXXXXX OR I 13 C   A   C   A   A   A   C   A     Temporary QM Safe Harbor 1
1191612 XXXXXXXXXX XXXXXXXXXX 5818159 387 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Taxes and Insurance documentation   is missing for the property located at xxxx xxxx xxxx Ln. Documentation has been provided.       07/XX/2021     A 1 XXXXXXXXXX OR I 13 C   A   C   A   A   A   C   A     Temporary QM Safe Harbor 1
1191626 XXXXXXXXXX XXXXXXXXXX 5777582 270 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Satisfactory 2nd Appraisal Report   No CU Score Multi Unit documentation has been provided.     06/XX/2021     A 1 XXXXXXXXXX OR I 3 C   A   A   A   C   A   C   A     Exempt 1
1191626 XXXXXXXXXX XXXXXXXXXX 5748242 865 XXXXXXXXXX Compliance Final 1003   Final 1003 - Other:   Final 1003 is missing. Information Provided     09/XX/2021     A 1 XXXXXXXXXX OR I 3 C   A   A   A   C   A   C   A     Exempt 1
1191626 XXXXXXXXXX XXXXXXXXXX 5760338 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX OR I 3 C   A   A   A   C   A   C   A     Exempt 1
1191626 XXXXXXXXXX XXXXXXXXXX 5760339 970 XXXXXXXXXX Compliance Compliance   Compliance - CD- Missing   Final CD is missing signed at closing date. Information Provided   Reviewer 09/XX/2021 08:46 AM; A final CD is required

 Client 09/XX/2021 07:24 AM; Hi- docs uploaded on 09-13

 Reviewer 09/XX/2021 09:04 AM;

 Reviewer 09/XX/2021 03:01 PM; We need the complete copy of the final CD

 Reviewer 09/XX/2021 03:02 PM; Hi, &#x0D;
I only see 1 page and not a complete copy of the signed final CD.

 Reviewer 09/XX/2021 07:39 AM; Tdoc 3/xx CD provided is missing page 5. Please provide all pages of the 3/xx CD signed and dated by the borrowers at closing. 		09/XX/2021     A 1 XXXXXXXXXX OR I 3 C   A   A   A   C   A   C   A     Exempt 1
1191641 XXXXXXXXXX XXXXXXXXXX 5822322 272 06/XX/2021 Valuation UW Collateral   UW Collateral - UW - Appraisal Other   AVM confidence score is out of tolerance at 14%.   An acceptable third valuation is required. Information Provided     06/XX/2021     B 1 04/XX/2021 VA I 13 D   B   D   A   C   A   C   B   Temporary QM Safe Harbor 1
1191641 XXXXXXXXXX XXXXXXXXXX 5767219 272 06/XX/2021 Valuation UW Collateral   UW Collateral - UW - Appraisal Other   Provide acceptable AVM AVM received     06/XX/2021     B 1 04/XX/2021 VA I 13 D   B   D   A   C   A   C   B   Temporary QM Safe Harbor 1
1191641 XXXXXXXXXX XXXXXXXXXX 5767229 431 06/XX/2021 Credit UW Assets   UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing   Provide 2 months bank statements on all xxxx asset accounts shown on DU Findings #11 an 1003.  DU Requires 2 months verification xxxx 2 month printout in the file dated Dec 28, 2020-March xx,2021,     06/XX/2021     A 1 04/XX/2021 VA I 13 D   B   D   A   C   A   C   B   Temporary QM Safe Harbor 1
1191641 XXXXXXXXXX XXXXXXXXXX 5767238 326 06/XX/2021 Credit UW Credit   UW Credit - UW - Evidence Satisfaction of Debt   Provide proof that xxxx xxxx was not sold on a short sale. If sold on short sale provide proof of closing date. received   Client 09/XX/2021 10:52 AM; Referenced property is on the internal fraud report, showing sold in 2015 to an individual.  There is a corresponding mortgage reporting on the credit report that matches the time and high balance amount with no indication that this was a short sale, reporting paid as agree to xxxx xxxx mortgage 2015.

 Reviewer 09/XX/2021 11:42 AM; condition cleared		 09/XX/2021     A 1 04/XX/2021 VA I 13 D   B   D   A   C   A   C   B   Temporary QM Safe Harbor 1
1191641 XXXXXXXXXX XXXXXXXXXX 5767259 324 06/XX/2021 Credit UW Credit   UW Credit - UW - Debt Calculations Incorrect   Document/explain the $1,670 current rental housing payment. DU Findings #11. Processor notes state; Borrower is reimbursed for a portion of their rent. Rent calculation is calculated by taking the whole annual lease amount of $48,164.52 minus the amount reimbursed to the borrower for housing. $42,755/12. AUS shows principal housing $1670 mo.   Client 09/XX/2021 01:59 PM; Evolve trailing docs auditor set the following on the outstanding condition for present housing: Received LOE and documentation. Unable to determine how reimbursements paid for rent were calculated. It appears that $2280 was requested each month which would leave $1670/month for present housing. Based on that feedback and calculation of $1670/monthly for rents, the correspondent provided an updated AUS using the $1670 and received an approval. This was higher than the

 Reviewer 09/XX/2021 02:09 PM; condition cleared		 09/XX/2021     A 1 04/XX/2021 VA I 13 D   B   D   A   C   A   C   B   Temporary QM Safe Harbor 1
1191641 XXXXXXXXXX XXXXXXXXXX 5729176 986 04/XX/2021 Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event           04/XX/2021     A 1 04/XX/2021 VA I 13 D   B   D   A   C   A   C   B   Temporary QM Safe Harbor 1
1191641 XXXXXXXXXX XXXXXXXXXX 5729177 897 04/XX/2021 Compliance Compliance   Compliance - TRID CD- Other   On CD Dated 03/XX/2021, "State Tax/Stamps" Fee in section E is not clear in Paid by Other Column. Please Provide PCCD with Correction.     Reviewer 04/XX/2021 03:54 PM; Please provide a PCCD with corrections. 04/XX/2021     A 1 04/XX/2021 VA I 13 D   B   D   A   C   A   C   B   Temporary QM Safe Harbor 1
1191641 XXXXXXXXXX XXXXXXXXXX 5729178 902 04/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           04/XX/2021     A 1 04/XX/2021 VA I 13 D   B   D   A   C   A   C   B   Temporary QM Safe Harbor 1
1191641 XXXXXXXXXX XXXXXXXXXX 5729179 986 04/XX/2021 Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "02/XX/2021" or prior signed by the borrowers.       04/XX/2021     A 1 04/XX/2021 VA I 13 D   B   D   A   C   A   C   B   Temporary QM Safe Harbor 1
1191641 XXXXXXXXXX XXXXXXXXXX 5729180 324 04/XX/2021 Credit UW Credit   UW Credit - UW - Debt Calculations Incorrect   DTI exceeds 3% tolerance. Monthly rent payment for present housing per lease agreement reflects $3,950. AUS needs to be updated.     Reviewer 04/XX/2021 03:54 PM; Received LOE and documentation. Unable to determine how reimbursements paid for rent were calculated. It appears that $2280 was requested each month which would leave $1670/month for present housing. Please provide additional information for net rent used. 04/XX/2021     A 1 04/XX/2021 VA I 13 D   B   D   A   C   A   C   B   Temporary QM Safe Harbor 1
1191661 XXXXXXXXXX XXXXXXXXXX 5729347 959 XXXXXXXXXX Credit Closing Package   Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect   Does not match final CD     Reviewer 04/XX/2021 09:42 AM; the deposit amount on the ieads does not match the final cd

 Reviewer 04/XX/2021 10:05 AM; The final signed CD dated 4/xx does NOT match.  one of the initial cd's dated 4/xx has a figure that matches but the final shows xxxx		 04/XX/2021     A 1 XXXXXXXXXX IL I 3 C   A   B   A   A   A   C   A     Exempt 1
1191661 XXXXXXXXXX XXXXXXXXXX 5782152 270 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Satisfactory 2nd Appraisal Report   File on HOLD –  no score on appraisal – pending CDA to be provided Information Provided     06/XX/2021     A 1 XXXXXXXXXX IL I 3 C   A   B   A   A   A   C   A     Exempt 1
1191712 XXXXXXXXXX XXXXXXXXXX 5832536 870 XXXXXXXXXX Compliance Appraisal   Appraisal - Other:   A second collateral evaluation is required due to no UCDP scores with 1025 Appraisal. No action required from Business Unit. Evolve to order. CDA received within tolerance     10/XX/2021     A 1 XXXXXXXXXX NJ I 3 C   A   C   A   C   A   A   A     Exempt 1
1191712 XXXXXXXXXX XXXXXXXXXX 5729774 6 XXXXXXXXXX Credit Application   Application - Completed, signed, final application for all applicant not in file   Missing Final Application       04/XX/2021     A 1 XXXXXXXXXX NJ I 3 C   A   C   A   C   A   A   A     Exempt 1
1191726 XXXXXXXXXX XXXXXXXXXX 5832614 870 XXXXXXXXXX Compliance Appraisal   Appraisal - Other:   A second collateral evaluation is required due to no UCDP scores included with 1025 Appraisal. No action required from Business Unit. Evolve to order. CDA received within tolerance     10/XX/2021     A 1 XXXXXXXXXX NJ I 3 C   A   A   A   C   A   A   A     Exempt 1
1191847 XXXXXXXXXX XXXXXXXXXX 5730504 913 XXXXXXXXXX Compliance Compliance   Compliance - Pending Completion of ComplianceEase/TRID Monitor Report.  Additional conditions may apply.     Auto-Cleared Compliance Testing Complete     04/XX/2021     A 1 XXXXXXXXXX VA I 3 C   A   A   A   C   A   A   A     Exempt 1
1191909 XXXXXXXXXX XXXXXXXXXX 5787189 9 06/XX/2021 Credit Application   Application - is missing   Initial Application - Must be completed, signed and dated by the Loan Officer Information Provided   Client 09/XX/2021 01:22 PM; Please review uploaded application signed by the loan officer to clear this finding.  Thank you.

 Reviewer 09/XX/2021 01:28 PM; Good afternoon, Docs uploaded will be reviewed within 24 hours of upload.  No need to escalate unless docs have not been reviewed within this time frame. Thank you! xxxx

 Reviewer 09/XX/2021 02:12 PM; 		09/XX/2021     A 1 04/XX/2021 OH I 3 D   C   D   A   D   A   C   C     Exempt 1
1191909 XXXXXXXXXX XXXXXXXXXX 5787190 30 06/XX/2021 Valuation Appraisal   Appraisal - is incomplete.   Appraisal  report is not proper scan appraisal 1 page. Information Provided   Client 09/XX/2021 01:05 PM; Please review an uploaded copy of the full appraisal to clear this finding.  Thank you.

 Reviewer 09/XX/2021 01:27 PM; Good afternoon, Docs uploaded will be reviewed within 24 hours of upload.  No need to escalate unless docs have not been reviewed within this time frame. Thank you! xxxx

 Reviewer 09/XX/2021 02:11 PM; 		09/XX/2021     A 1 04/XX/2021 OH I 3 D   C   D   A   D   A   C   C     Exempt 1
1191909 XXXXXXXXXX XXXXXXXXXX 5787191 201 06/XX/2021 Credit Hazard Insurance   Hazard Insurance - is missing.   Hazard Insurance is missing.     Client 09/XX/2021 01:11 PM; Please review the uploaded HOI policy to clear this finding.  Thank you.

 Reviewer 09/XX/2021 01:28 PM; Good afternoon, Docs uploaded will be reviewed within 24 hours of upload.  No need to escalate unless docs have not been reviewed within this time frame. Thank you! Kristin

 Reviewer 09/XX/2021 02:12 PM;

 Reviewer 09/XX/2021 07:33 AM; Please provide premium amount and proof this was paid.  Condition remains open.

 Client 09/XX/2021 02:56 PM; Please review the 2 uploaded documents labeled 'HOI' showing an expiration date of 1/XX/22 evidencing that it was paid and 'HOI_Premium' to verify the premium amount.  Please clear this finding. Thank you.&#x0D;


 Reviewer 09/XX/2021 06:19 PM;

 Reviewer 09/XX/2021 09:29 AM; Hi Charles, &#x0D;
Condition has been cleared. Have a great day! &#x0D;
Thank you, &#x0D;
Erica 		09/XX/2021     A 1 04/XX/2021 OH I 3 D   C   D   A   D   A   C   C     Exempt 1
1191909 XXXXXXXXXX XXXXXXXXXX 5787192 459 06/XX/2021 Compliance Note   Note - is missing - No Image of Note found in file   Note is missing in file Information Provided   Client 09/XX/2021 01:42 PM; Please review the uploaded to Note to clear this finding.  Thank you.

 Reviewer 09/XX/2021 01:48 PM; Good afternoon, Docs uploaded will be reviewed within 24 hours of upload.  No need to escalate unless docs have not been reviewed within this time frame. Thank you! xxxx

 Reviewer 09/XX/2021 02:18 PM; 		09/XX/2021     A 1 04/XX/2021 OH I 3 D   C   D   A   D   A   C   C     Exempt 1
1191909 XXXXXXXXXX XXXXXXXXXX 5787193 824 06/XX/2021 Credit Title Policy   Title Policy - is missing.  Final ALTA title policy required.   Title Policy is missing Information Provided   Reviewer 09/XX/2021 07:33 AM; document not provided.

 Client 10/XX/2021 01:07 PM; Please review uploaded title policy to clear this finding.  Thank you.

 Reviewer 10/XX/2021 02:50 PM;

 Reviewer 10/XX/2021 08:22 AM; Hello,&#x0D;
 Docs will be reviewed within 24 hours from upload.  Please only escalate if the doc was not reviewed within the 24 hour time frame given.  &#x0D;
Thanks!		 10/XX/2021     A 1 04/XX/2021 OH I 3 D   C   D   A   D   A   C   C     Exempt 1
1191910 XXXXXXXXXX XXXXXXXXXX 5841108 1109 06/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Third collateral evaluation is required.   AVM variance is out of tolerance at 21.16%.   An acceptable third valuation is required Information Provided     09/XX/2021     B 1 04/XX/2021 OH I 13 C   B   C   A   A   A   C   B     Exempt 1
1191910 XXXXXXXXXX XXXXXXXXXX 5841149 1017 06/XX/2021 Credit UW Income/Employment   UW Income/Employment - UW - Profit and Loss required   P&L expired before closing. Missing updated P&L. documentation received   Client 09/XX/2021 01:16 PM; The self-employment income was removed from the qualifying income for this loan. The final DU/AUS reflects no self-employment income. Please clear this finding. Thank you.

 Reviewer 09/XX/2021 04:22 PM; condition cleared

 Reviewer 09/XX/2021 04:23 PM; if self employment income was removed, provide revised AUS findings and 1008 showing amended income and AUS with Approve/eligible findings

 Client 09/XX/2021 01:48 PM; Please review uploaded AUS reflecting no self-employment income to clear this finding.  Thank you.

 Reviewer 09/XX/2021 03:26 PM; condition cleared		 09/XX/2021     A 1 04/XX/2021 OH I 13 C   B   C   A   A   A   C   B     Exempt 1
1242572 XXXXXXXXXX XXXXXXXXXX 5984607 867 04/XX/2021 Credit 4506   4506 - Other:   4506T - Line 8 Check if requesting transcripts of income reported on W2 form       04/XX/2021     A 1 04/XX/2021 NY I 3 C   B   B   A   C   B   C   A     Exempt 1
1242572 XXXXXXXXXX XXXXXXXXXX 5984608 867 04/XX/2021 Credit 4506   4506 - Other:   4056-C Line 7 Check if requesting transcripts of income reported on W2 form       04/XX/2021     A 1 04/XX/2021 NY I 3 C   B   B   A   C   B   C   A     Exempt 1
1242572 XXXXXXXXXX XXXXXXXXXX 5984612 877 04/XX/2021 Compliance AUS   AUS - Other:   Required for ULDD Data Discrepancy In LP number of units is given "xxxx" however on Appraisal number of units given as "xxxx".       04/XX/2021     A 1 04/XX/2021 NY I 3 C   B   B   A   C   B   C   A     Exempt 1
1242572 XXXXXXXXXX XXXXXXXXXX 5993253 902 08/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 04/XX/2021 NY I 3 C   B   B   A   C   B   C   A     Exempt 1
1242572 XXXXXXXXXX XXXXXXXXXX 5993254 975 08/XX/2021 Compliance Compliance   Compliance - CD- Payee Name missing or incorrect   Payee name is "TBD" for Tax Service Fee in Section B in CD dated 04/XX/2021. PCCD is required  with corrections. Information Provided     09/XX/2021     A 1 04/XX/2021 NY I 3 C   B   B   A   C   B   C   A     Exempt 1
1242572 XXXXXXXXXX XXXXXXXXXX 5993727 1108 08/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 04/XX/2021 NY I 3 C   B   B   A   C   B   C   A     Exempt 1
1242572 XXXXXXXXXX XXXXXXXXXX 6114764 1062 09/XX/2021 Compliance Compliance   Compliance - CD-Clerical error correction made more than 60 days post consummation       Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2 Reviewer 09/XX/2021 08:37 AM; Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2     09/XX/2021 B 2 04/XX/2021 NY I 3 C   B   B   A   C   B   C   A     Exempt 1
1242575 XXXXXXXXXX XXXXXXXXXX 5993364 897 XXXXXXXXXX Compliance Compliance   Compliance - TRID CD- Other   Need payment history reflecting the principle reduction amount $587.10 Information Provided     09/XX/2021     A 1 XXXXXXXXXX CO I 1 C   A   A   A   C   A   A   A     Exempt 1
1242581 XXXXXXXXXX XXXXXXXXXX 6003330 330 08/XX/2021 Credit UW Credit   UW Credit - UW - Credit Other   Provide documentation of monthly PITIA for the property located at xxxxx updated credit refresh shows subject and other property at xxxx, since they are both in same complex, and share same expenses, it is safe to assume the mortgage payment included escrows as does the subject.     Client 10/XX/2021 01:29 PM; Credit refresh from 10/4 to show update.

 Reviewer 10/XX/2021 07:11 AM; deficiency cleared 		10/XX/2021     A 1 04/XX/2021 CO I 1 C   B   C   B   A   A   C   A     Exempt 1
1242581 XXXXXXXXXX XXXXXXXXXX 6003332 272 08/XX/2021 Valuation UW Collateral   UW Collateral - UW - Appraisal Other   Appraisal and title show subject property is a PUD and AUS ran as Single Family received   Client 08/XX/2021 09:23 AM; AUS/DU Findings Submission #5 states Property Type as Planned Unit.

 Reviewer 08/XX/2021 02:52 PM; condition has been cleared		 08/XX/2021     A 1 04/XX/2021 CO I 1 C   B   C   B   A   A   C   A     Exempt 1
1242581 XXXXXXXXXX XXXXXXXXXX 6003338 330 08/XX/2021 Credit UW Credit   UW Credit - UW - Credit Other   Back end dti on Aus not accurate at 16%.  Dti should be 27% Borrower's monthly income 10833.33,  Present housing expense 1385.78,  Subject property rental loss 46.35 other debt obligations 1447= 2879/10833.33= 26.58   waiver for exceeding the 3% tolerance on DTI with updated calculations. Debt ratio has been reworked based on credit refresh from 10/XX and payment confirmed for the XXXX. Income XXXX/month Debts updated XXXX; $XXXX-XXXX; $XXXX Primary Residence; $XXXX- CC payment; $XXXX CC payment. Total debt = XXXX. XXXXnet rental loss XXXXx75%=XXXX-XXXX (PITIA) = XXXX LOSS. new DTI = 41.30 Comp factors as follows: XXXX reserves after closing; Job stability - 15 years with current employer; Conservative user of credit; good Credit Depth; on file since 2004 and FICO 790. No rental income considered for the XXXX property. XXXX will also be rented, this property located close to the XXXX property and would make the case that the rent loss would also be minimal on this property (less than $XXXX/mo).       10/XX/2021 B 2 04/XX/2021 CO I 1 C   B   C   B   A   A   C   A     Exempt 1
1242592 XXXXXXXXXX XXXXXXXXXX 6014703 884 XXXXXXXXXX Compliance Compliance   Compliance - Pending Internal completion of compliance fee tests.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX NC I 13 C   A   A   A   C   A   C   A     Temporary QM Safe Harbor 1
1242592 XXXXXXXXXX XXXXXXXXXX 6014704 898 XXXXXXXXXX Compliance Compliance   Compliance - TRID- Fee Tolerance Violation   Tolerance exceeded by $110 due to the increase in appraisal, please provide proof of refund, LOX and PCCD reflecting the cure Information Provided   Reviewer 09/XX/2021 01:00 PM; Tdoc COC provided does not give a valid reason for the increase in the appraisal fee. Condition remains open.

 Reviewer 09/XX/2021 02:49 PM; escalated. 		09/XX/2021     A 1 XXXXXXXXXX NC I 13 C   A   A   A   C   A   C   A     Temporary QM Safe Harbor 1
1242592 XXXXXXXXXX XXXXXXXXXX 5993734 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX NC I 13 C   A   A   A   C   A   C   A     Temporary QM Safe Harbor 1
1242615 XXXXXXXXXX XXXXXXXXXX 5998382 387 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Taxes and Insurance documentation   Missing evidence of property taxes for the borrowers primary dwelling xxxx xxxx xxxx xxxx. documentation provided in initial file   Client 09/XX/2021 01:17 PM; Tax cert on( page 4 of 9 )of tax certificates images. 2020 Annual tax for Primary Residence 1868.49/12= $155.70.      Hazard Policy located        ( page 9 of 9 in  hazard images). Hazard Policy annual $1106/12= $92.16.  Total expense for primary residence 92.16 +155.70= $247.16 mo. Per final 1003 PR expense is $146.00. ths is a $101.16 difference.&#x0D;


 Client 09/XX/2021 01:17 PM; Tax cert on( page 4 of 9 )of tax certificates images. 2020 Annual tax for Primary Residence 1868.49/12= $155.70.      Hazard Policy located        ( page 9 of 9 in  hazard images). Hazard Policy annual $1106/12= $92.16.  Total expense for primary residence 92.16 +155.70= $247.16 mo. Per final 1003 PR expense is $146.00. this is a $101.16 difference.&#x0D;


 Reviewer 09/XX/2021 02:05 PM; condition cleared

 Reviewer 09/XX/2021 02:06 PM; duplicate condition		 09/XX/2021     A 1 XXXXXXXXXX FL I 1 C   A   C   A   A   A   A   A     Exempt 1
1242624 XXXXXXXXXX XXXXXXXXXX 6001919 335 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Calculation Incorrect   AUS was run using base income for xxxx of $8619.05/mo. Actual income verified per TWN VOE is as follows Base- $84828.64/12= $7069.05/mo. OT- YTD $2119.96/2.6= $815.3/mo. Bonus- $3088.39 + $3362.52 + $2145.06/36= $238.78/mo. Total income= $8123.20/mo. vs $8619.05/mo. shift differential when included support income in AUS   Client 09/XX/2021 05:27 PM; Borrower's job also has shift differential which is typical for her work type and position.  Looking at overall YTD and prior years earning, the income amount as submitted of $8619 would be supported. &#x0D;
Average pay from all sources is $9341/mo using a 2019/2020 and YTD 2021 income and using YTD income from all sources it is $10,056.   Written VOE in file is current as of 3/6 used that date in calculation above.  The difference in ratios from submitted by lender and th

 Reviewer 09/XX/2021 07:10 AM; deficiency cleared 		09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   A   A   C   A     Exempt 1
1242624 XXXXXXXXXX XXXXXXXXXX 5993750 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   A   A   C   A     Exempt 1
1242638 XXXXXXXXXX XXXXXXXXXX 6027965 334 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Employment - Inconsistent/Misrepresent   AUS monthly income for borrower (xxxx.) shows same as co-borrower (xxxx) of $14,279.00. Based on review of paystubs provided, the monthly income for xxxx is $8,309.08. However, xxxx also makes OT, but loan file is missing WVOE breaking down YTD income. Provide a WVOE for xxxx showing prior year and current year base income and OT income. Information Provided   Client 09/XX/2021 11:58 AM; Will you please upload your self-employed income calculations for the borrower as a PDF?  We're unable to open the Excel file on our end.  BTW - you're correct that the co-borrower's income was calculated incorrectly.  They calculated it using his Recurring Regular Gross paid weekly instead of bi-weekly.  Your income calculation for him is correct.  What isn't understood is why the income they submitted to DU is the same for both of the borrowers.

 Reviewer 09/XX/2021 07:15 AM; deficiency still needed

 Reviewer 10/XX/2021 01:04 PM; Based on paystub and w2; income calculation for xxxx is $7088.19/month vs $14279 shown in AUS. 		10/XX/2021     A 1 XXXXXXXXXX CT I 1 C   A   C   A   A   A   A   A     Exempt 1
1242644 XXXXXXXXXX XXXXXXXXXX 6007889 340 08/XX/2021 Credit UW Other   UW Other - UW - Insurance Missing (MI or Project)   Missing all pages to the Hazard Insurance Policy for the subject property. Only page 1 of 4 was provided; unable to confirm Hazard Insurance Premium Amount.   ender qualified borrower with Hazard Insurance premium of $XXXX. Premium payment is reasonable for Landlord’s protector policy with dwelling coverage of $XXXX. Homeowner’s policy for primary residence with a dwelling coverage amount of $XXXX has a monthly premium of $XXXX. DTI is low @ 29% on this limited c/o loan. An increase of $XXXX per month in premium would increase DTI by .39%, less than 1 point. Excess available assets, not required to be verified by DU is $XXXX. 53% LTV. Bor FICO Score 746. I respectfully request a downgrade to A or B. Client 09/XX/2021 02:17 PM; Evidence that the property is insured is in the file.  Lender and borrower provided a dollar amount for the premium, that appears reasonable.  ratios are low and if monthly premium were increased by $100/month ratios would increase by .39%, less than 1 point, please review for waiving of the additional pages of the policy. thank you

 Reviewer 09/XX/2021 07:44 AM; evidence of premium was not provided

 Reviewer 09/XX/2021 07:44 AM; deficiency still needed.  Premium was not provided

 Client 10/XX/2021 09:12 AM; Lender qualified borrower with Hazard Insurance premium of $70.34. Premium payment is reasonable for Landlord’s protector policy with dwelling coverage of $xxxk. Homeowner’s policy for primary residence with a dwelling coverage amount of $xxxk has a monthly premium of $193. DTI is low @ 29% on this limited c/o loan. An increase of $100 per month in premium would increase DTI by .39%, less than 1 point.  Excess available assets, not required to be verified by DU is $21

 Reviewer 10/XX/2021 08:38 AM; exception provided 		    10/XX/2021 B 2 03/XX/2021 CA I 3 D   B   D   B   A   A   C   B   Exempt 1
1242644 XXXXXXXXXX XXXXXXXXXX 5993643 1108 08/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Loan originated with PIW. (Internal condition only - No action required by Correspondent) avm received and within tolerance     08/XX/2021     B 1 03/XX/2021 CA I 3 D   B   D   B   A   A   C   B   Exempt 1
1242675 XXXXXXXXXX XXXXXXXXXX 5993769 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   A   A   C   A     Exempt 1
1242675 XXXXXXXXXX XXXXXXXXXX 5985061 959 XXXXXXXXXX Credit Closing Package   Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect   Starting balance listed on the IEADS does not match last disclosed CD in file issued 04/xx. Need corrected IEADS       05/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   A   A   C   A     Exempt 1
1242675 XXXXXXXXXX XXXXXXXXXX 5998852 335 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Calculation Incorrect   Refer to uploaded workbook for UW income calculations for 1065 income as well as net rental income.   Income from 1065 is $7133.39 and negative rental loss of $-352.18 and negative $-1659.23 for subject property. doumentation provided   Client 08/XX/2021 05:36 PM; Disagree with Defect.  Audit 1065 income is higher, and negative rental is lower than what was used for qualification purposes. ($7133.39/$6527.00 | $-352.18 / $-732.11).  Transaction is a purchase of an investment property that is currently being rented out at $3590.00 a month per the subject rent schedule. ($3590.00 x 75% - PITIA $2443.60 = $248.90).

 Reviewer 08/XX/2021 11:34 AM; condition has been cleared		 08/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   A   A   C   A     Exempt 1
1242675 XXXXXXXXXX XXXXXXXXXX 5998058 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide mortgage payment history and lien details for rental property at xxxx xxxx xxxx and add mortgage to DTI/net rental calculations.  Per 1003 payment is $1242 and outstanding balance is $219818.79.  No lien matching this information found on credit report. Documentation has been provided.     Client 08/XX/2021 05:38 PM; Monthly Mortgage statement re-uploaded.  Taxes and Insurance not included. please review and amend.

 Reviewer 08/XX/2021 11:39 AM; condition has been amended

 Reviewer 08/XX/2021 11:42 AM; mortgage statement was provided, HOI was in the file. missing property tax information. 		09/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   A   A   C   A     Exempt 1
1242698 XXXXXXXXXX XXXXXXXXXX 5996551 440 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete 1040's   Missing 1040s for borrower self employed business xxxx xxxx received documentation     09/XX/2021     A 1 XXXXXXXXXX CA I 1 D   A   D   A   A   A   A   A     Exempt 1
1242707 XXXXXXXXXX XXXXXXXXXX 6001275 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide mortgage history for new refinance with xxxx xxxx # xxxx verifying no late payment. Documentation has bene provided.       09/XX/2021     A 1 XXXXXXXXXX CO I 3 C   A   C   A   A   A   C   A     Exempt 1
1242707 XXXXXXXXXX XXXXXXXXXX 6001276 392 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Debt Clarification   provide verification that xxxx xxxx#xxxx has been paid in full with proceeds from new xxxx xxxx#xxxx. Doc received   Client 10/XX/2021 10:10 AM; We are requesting that this deficiency be cleared or waived based on the supporting documentation uploaded as  xxxxxxxxxx_TDOC_xxxx Request to Clear or Waive_100901.pdf.  Thank you for your consideration.

 Reviewer 10/XX/2021 03:48 PM; condition cleared		 10/XX/2021     A 1 XXXXXXXXXX CO I 3 C   A   C   A   A   A   C   A     Exempt 1
1242707 XXXXXXXXXX XXXXXXXXXX 5993783 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX CO I 3 C   A   C   A   A   A   C   A     Exempt 1
1242761 XXXXXXXXXX XXXXXXXXXX 5995215 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX OR I 1 C   A   A   A   C   A   A   A     Exempt 1
1242761 XXXXXXXXXX XXXXXXXXXX 5995216 970 XXXXXXXXXX Compliance Compliance   Compliance - CD- Missing   Missing CD issued and received by borrower 3 days prior to consummation. Provided.     09/XX/2021     A 1 XXXXXXXXXX OR I 1 C   A   A   A   C   A   A   A     Exempt 1
1242767 XXXXXXXXXX XXXXXXXXXX 5995166 902 08/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 04/XX/2021 WA I 3 C   B   A   A   C   B   A   A     Exempt 1
1242767 XXXXXXXXXX XXXXXXXXXX 5995167 968 08/XX/2021 Compliance Compliance   Compliance - CD- Fee Charged in Incorrect Section   Need PCCD moving Title - xxxx xxxx to section C as borrower didn't use provider on SSPL. Information Provided     09/XX/2021     A 1 04/XX/2021 WA I 3 C   B   A   A   C   B   A   A     Exempt 1
1242767 XXXXXXXXXX XXXXXXXXXX 6140998 1062 09/XX/2021 Compliance Compliance   Compliance - CD-Clerical error correction made more than 60 days post consummation       Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2 Reviewer 09/XX/2021 11:25 AM; Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2     09/XX/2021 B 2 04/XX/2021 WA I 3 C   B   A   A   C   B   A   A     Exempt 1
1242773 XXXXXXXXXX XXXXXXXXXX 6016087 327 08/XX/2021 Credit UW Credit   UW Credit - UW - Satisfactory 12 mth Rental   Per final DU #5, dtd 5/XX/2021, Credit & Liabilities #13 requires the following which was not located in the file- "The amount of the rental housing expense must be verified and documented. Acceptable documentation includes, but is not limited to one of the following a direct verification from a mgmt company or individual landlord; six months cancelled checks/equivalent payment source; six months bank stmts reflecting a clear and consistent payment to an organization or individual; or a copy of a fully executed lease agreement and two months canceled checks/equivalent payment source" confirming bwrs $100/mo rental payment as reflected on the final loan application.     Client 10/XX/2021 11:30 AM; We are requesting that proof of $100/mo. rent be cleared or waived by using the Zillow rent estimate of $1,599/mo. to qualify.  Using $1,599/mo. results in an increase of the DTI to 38.1% which exceeds the 3% tolerance.  Therefore, we are also requesting that a new DU approval not be required since the rent would have to be $2,150/mo. for the DTI to be 45%.  Our analysis, the Zillow rent estimate and compensating factors have been uploaded as xxxxxxxxxx_TDOC_xxxx Re

 Reviewer 10/XX/2021 03:31 PM; exception noted 		    10/XX/2021 B 2 05/XX/2021 GA I 1 D   B   C   B   D   A   C   A     Exempt 1
1242773 XXXXXXXXXX XXXXXXXXXX 5993812 1108 08/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 05/XX/2021 GA I 1 D   B   C   B   D   A   C   A     Exempt 1
1242773 XXXXXXXXXX XXXXXXXXXX 5985386 107 05/XX/2021 Compliance Deed of Trust/Mortgage   Deed of Trust/Mortgage - is missing riders.   1-4 family rider is missing       05/XX/2021     A 1 05/XX/2021 GA I 1 D   B   C   B   D   A   C   A     Exempt 1
1242773 XXXXXXXXXX XXXXXXXXXX 5985387 913 05/XX/2021 Compliance Compliance   Compliance - Pending Completion of ComplianceEase/TRID Monitor Report.  Additional conditions may apply.     Auto-Cleared Compliance Testing Complete     05/XX/2021     A 1 05/XX/2021 GA I 1 D   B   C   B   D   A   C   A     Exempt 1
1242793 XXXXXXXXXX XXXXXXXXXX 6015173 1017 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Profit and Loss required   Missing signed and dated 2020 Profit and Loss Stmt (P&L) and Balance Sheet for the co-borrower's 1120S business xxxx and xxxx xxxx xxxx. Only the 2021 YTD P&L was provided, and the business tax returns only covered the 2019 tax year. received     09/XX/2021     A 1 XXXXXXXXXX NV I 1 C   A   C   A   A   A   A   A     Exempt 1
1242813 XXXXXXXXXX XXXXXXXXXX 6014240 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   The correct monthly HOI for subject is $133.92 ( DU reflects $119.17), Correct monthly taxes for subject is $153.50 ( DU reflects $43) DTI with correct figures is 34.74% received   Client 09/XX/2021 11:22 AM; Disagree:  DTI is within tolerance,  AUS: $6,202.02/$18,182  DTI: 34.41% Reviewed Debt Coverage: $6,327.27/$18,182DTI: 34.80%  With in tolerance

 Reviewer 09/XX/2021 06:08 PM; condition cleared		 09/XX/2021     A 1 XXXXXXXXXX TN I 13 C   A   C   A   A   A   C   A     Temporary QM Safe Harbor 1
1242813 XXXXXXXXXX XXXXXXXXXX 5993826 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX TN I 13 C   A   C   A   A   A   C   A     Temporary QM Safe Harbor 1
1242847 XXXXXXXXXX XXXXXXXXXX 6018458 351 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW - DTI exceeds maximum limit   DTI exceeds 50% due to rental income calculation for subject property. Per DU, if rental income is not going to be used to qualify then subject PITI must be included as NCF. Lender did not include negative rent income for subject property. The only debt used to qualify the Borrower was primary PITI and debt on credit report. Using 2020 1010 Sch E, rental income for subject property is $-765.99/mo. When including negative rent, total monthly debt increases to $xxxxx/mo. Using income of $11,452.13/mo. DTI increases from 47.83% to 54.51%. documentation provided   Client 09/XX/2021 11:56 AM; Disagree with Defect.  Subject Property is currently rented at $3550.00 a month.  $3550.00 x 75% - PITIA $2182.33 = Net positive rental of $480.17.  Rental income is supported from 1007/comparative rent schedule.

 Reviewer 09/XX/2021 02:08 PM; condition cleared		 09/XX/2021     A 1 XXXXXXXXXX CO I 3 C   A   C   A   A   A   A   A     Exempt 1
1242847 XXXXXXXXXX XXXXXXXXXX 6018461 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide credit refresh report and/or xxxx dated within 10 days of Note date. Refresh report received for both borrowers.   Client 09/XX/2021 11:24 AM; Can’t we pull a credit refresh? Please advise.

 Reviewer 09/XX/2021 02:07 PM; yes credit refresh can be used. 		09/XX/2021     A 1 XXXXXXXXXX CO I 3 C   A   C   A   A   A   A   A     Exempt 1
1242847 XXXXXXXXXX XXXXXXXXXX 6018462 387 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Taxes and Insurance documentation   Provide current mortgage statement from xxxx, acct #xxxx, verifying T&I are escrowed for primary home xxxx xxxx xxxx. PITI not to exceed $2438/mo. 1st Payment letter received.     09/XX/2021     A 1 XXXXXXXXXX CO I 3 C   A   C   A   A   A   A   A     Exempt 1
1242847 XXXXXXXXXX XXXXXXXXXX 6018463 397 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Inquiries not properly addressed   Provide signed letter of explanation regarding the following inquires 12/XX/20 xxxx and 2/XX/21 xxxx LOX received. No new credit.     09/XX/2021     A 1 XXXXXXXXXX CO I 3 C   A   C   A   A   A   A   A     Exempt 1
1242873 XXXXXXXXXX XXXXXXXXXX 5997595 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX NJ I 13 C   A   A   A   C   A   A   A     Temporary QM Safe Harbor 1
1242873 XXXXXXXXXX XXXXXXXXXX 5985732 840 XXXXXXXXXX Compliance Disclosure   Disclosure - HPML- need evidence of rate lock date with borrower   Required for ULDD Data Discrepancy Evidence of rate lock date with borrower is not received.     Reviewer 05/XX/2021 08:01 AM; Required for ULDD data delivery:- Evidence of rate lock date with borrower is not received.

 Reviewer 06/XX/2021 01:31 AM; Required for ULDD data delivery:- Evidence of rate lock date with borrower is still not received.		 06/XX/2021     A 1 XXXXXXXXXX NJ I 13 C   A   A   A   C   A   A   A     Temporary QM Safe Harbor 1
1242904 XXXXXXXXXX XXXXXXXXXX 5985869 422 05/XX/2021 Valuation UW Collateral   UW Collateral - UW - Appraisal Legible report/photos required   Appraisal report provided is black and white and not legible. Need color copy of the appraisal report       06/XX/2021     A 1 05/XX/2021 CA I 13 D   B   C   A   C   B   D   A     Temporary QM Safe Harbor 1
1242904 XXXXXXXXXX XXXXXXXXXX 5985870 330 05/XX/2021 Credit UW Credit   UW Credit - UW - Credit Other   Provide closing disclosure for xxxx ending xxxxxx; xxxxxx; xxxxxx; xxxxxx to verify terms of the new loans opened per the final 1003       06/XX/2021     A 1 05/XX/2021 CA I 13 D   B   C   A   C   B   D   A     Temporary QM Safe Harbor 1
1242904 XXXXXXXXXX XXXXXXXXXX 5993861 1108 08/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 05/XX/2021 CA I 13 D   B   C   A   C   B   D   A     Temporary QM Safe Harbor 1
1242904 XXXXXXXXXX XXXXXXXXXX 5997193 902 08/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 05/XX/2021 CA I 13 D   B   C   A   C   B   D   A     Temporary QM Safe Harbor 1
1242904 XXXXXXXXXX XXXXXXXXXX 5997194 975 08/XX/2021 Compliance Compliance   Compliance - CD- Payee Name missing or incorrect   Final CD dated (05/XX/2021) is showing Payee name "TBD" in section-B for "Tax Service Fee".  PCCD is required with corrections. Information Provided     09/XX/2021     A 1 05/XX/2021 CA I 13 D   B   C   A   C   B   D   A     Temporary QM Safe Harbor 1
1242907 XXXXXXXXXX XXXXXXXXXX 6002368 902 08/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 05/XX/2021 CA I 3 C   B   A   A   C   B   C   A     Exempt 1
1242907 XXXXXXXXXX XXXXXXXXXX 6002369 975 08/XX/2021 Compliance Compliance   Compliance - CD- Payee Name missing or incorrect   Payee name is showing TBD for Tax service Fee in Section-B in CD dated 05/XX/2021.Please Provide correct PCCD for the same. Information Provided     09/XX/2021     A 1 05/XX/2021 CA I 3 C   B   A   A   C   B   C   A     Exempt 1
1242907 XXXXXXXXXX XXXXXXXXXX 5993863 1108 08/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 05/XX/2021 CA I 3 C   B   A   A   C   B   C   A     Exempt 1
1242907 XXXXXXXXXX XXXXXXXXXX 5985892 913 06/XX/2021 Compliance Compliance   Compliance - Pending Completion of ComplianceEase/TRID Monitor Report.  Additional conditions may apply.     Auto-Cleared Compliance Testing Complete     06/XX/2021     A 1 05/XX/2021 CA I 3 C   B   A   A   C   B   C   A     Exempt 1
1242933 XXXXXXXXXX XXXXXXXXXX 6017902 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide explanation for tax certificate reflecting homestead exemption on subject property.  If this is a primary residence, xxxx xxxx cashout requirements will need to be met. Condition has been cleared.       09/XX/2021     A 1 XXXXXXXXXX TX I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1242939 XXXXXXXXXX XXXXXXXXXX 5986033 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "03/XX/2021" or prior signed by the borrower.       06/XX/2021     A 1 XXXXXXXXXX VA I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1242939 XXXXXXXXXX XXXXXXXXXX 5986034 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Mortgage statements are missing for the 2 investment properties.       06/XX/2021     A 1 XXXXXXXXXX VA I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1242950 XXXXXXXXXX XXXXXXXXXX 5986085 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           06/XX/2021     A 1 XXXXXXXXXX AZ I 13 C   A   A   A   C   A   C   A     Temporary QM Safe Harbor 1
1242950 XXXXXXXXXX XXXXXXXXXX 5986086 975 XXXXXXXXXX Compliance Compliance   Compliance - CD- Payee Name missing or incorrect   CD dated 05/XX/2021 is showing payee name "Need Payee" for Appraisal 216/1007 in section - B, Please provide correct PCCD for the same.       06/XX/2021     A 1 XXXXXXXXXX AZ I 13 C   A   A   A   C   A   C   A     Temporary QM Safe Harbor 1
1242950 XXXXXXXXXX XXXXXXXXXX 5993882 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX AZ I 13 C   A   A   A   C   A   C   A     Temporary QM Safe Harbor 1
1242987 XXXXXXXXXX XXXXXXXXXX 5993899 1108 08/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 05/XX/2021 UT I 13 C   B   C   A   C   B   C   A     Temporary QM Safe Harbor 1
1242987 XXXXXXXXXX XXXXXXXXXX 5986224 336 06/XX/2021 Credit UW Income/Employment   UW Income/Employment - UW - Income Other   The borrower, XXXX, may be self-employed although did not show self-employed on the loan application. Public Records show the borrower as associated with the active business, XXXX . Documentation is required to either support that the borrower does not own or operate this business, or if applicable, the most recent personal and business tax returns are required.       06/XX/2021     A 1 05/XX/2021 UT I 13 C   B   C   A   C   B   C   A     Temporary QM Safe Harbor 1
1242987 XXXXXXXXXX XXXXXXXXXX 6016699 884 08/XX/2021 Compliance Compliance   Compliance - Pending Internal completion of compliance fee tests.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 05/XX/2021 UT I 13 C   B   C   A   C   B   C   A     Temporary QM Safe Harbor 1
1242987 XXXXXXXXXX XXXXXXXXXX 6016700 898 08/XX/2021 Compliance Compliance   Compliance - TRID- Fee Tolerance Violation   Tolerance exceeded by $562 due to the addition of the rate lock extension fee and the increase in recording fee, please provide proof of refund, LOX and PCCD reflecting the cure Information Provided   Client 09/XX/2021 07:23 AM; I do not see loan is CE- how did you get the $562? I see 420 for rate lock ext and 50 increase  equaling $470 refund

 Reviewer 09/XX/2021 07:24 AM;

 Reviewer 09/XX/2021 11:08 AM; XXXX, &#x0D;
&#x0D;
I've uploaded the test for you to review if you'd like.  Thank you!

 Client 09/XX/2021 12:56 PM; thanks, it still does not explain the figures, borrower was charged $420 for ext fee, why is it stating 520 over?

 Reviewer 09/XX/2021 07:32 AM; XXXX, &#x0D;
The uploaded test does explain why it's failing.  It's failing the extension fee in the amount of $420 and the appraisal fee $100.  That is where the $520 is coming from.  &#x0D;
Thanks, &#x0D;
xxxx

 Reviewer 09/XX/2021 10:33 AM;

 Reviewer 09/XX/2021 09:09 AM; Escalated. 		09/XX/2021     A 1 05/XX/2021 UT I 13 C   B   C   A   C   B   C   A     Temporary QM Safe Harbor 1
1243002 XXXXXXXXXX XXXXXXXXXX 6032203 336 08/XX/2021 Credit UW Income/Employment   UW Income/Employment - UW - Income Other   Provide signed letter of explanation regarding 2019 1040 Sch C loss for XXXX in the amount of $-698,339. Verified business is no longer active.   Reviewer 09/XX/2021 11:36 AM; Lox for loss of schedule C business to be signed by the borrower -  will need to verify if no longer active.  

 Reviewer 09/XX/2021 11:00 AM; Verify borrowers schedule C business no longer active.  		 09/XX/2021     A 1 05/XX/2021 NV I 1 C   B   C   A   C   B   A   A     Exempt 1
1243002 XXXXXXXXXX XXXXXXXXXX 6032205 351 08/XX/2021 Credit UW Qualifications   UW Qualifications - UW - DTI exceeds maximum limit   DTI exceeds 50%. Income/Debt verified as follows Primary $2435.22 + Rental $1296.37 + other debt $151= $3882.59/mo. Income- $5030.07/mo. (SSI $4430.70 + Subject rent $599.37). Using income of $5030.07/mo. DTI increases from 49.80% to 77.19%. Increase in DTI is due to taxes/ins/hoa dues for all properties. Mortgage statements and CDs verify no escrows for all properties. Information Provided   Reviewer 09/XX/2021 11:34 AM; Rental income has been calculated - uploaded to the file.  Condition has been cleared.   09/XX/2021     A 1 05/XX/2021 NV I 1 C   B   C   A   C   B   A   A     Exempt 1
1243002 XXXXXXXXXX XXXXXXXXXX 6032206 328 08/XX/2021 Credit UW Credit   UW Credit - UW - Satisfactory 12 mth Mortgage   Provide updated mortgage history for XXXX, #XXXX (rental property XXXX) verifying mortgage has been paid as agreed.. Credit report verifies DLA 5/2020. Information Provided     09/XX/2021     A 1 05/XX/2021 NV I 1 C   B   C   A   C   B   A   A     Exempt 1
1243002 XXXXXXXXXX XXXXXXXXXX 6032207 330 08/XX/2021 Credit UW Credit   UW Credit - UW - Credit Other   Provide updated 1008/1003 as follows Primary $2435.22 + Rental $1296.37 + other debt $151= $3882.59/mo. Income- $5030.07/mo. (SSI $4430.70 + Subject $599.37). DTI- 77.19%. Rental income has been calculated and uploaded to the file.  Condition has been cleared.       09/XX/2021     A 1 05/XX/2021 NV I 1 C   B   C   A   C   B   A   A     Exempt 1
1243002 XXXXXXXXXX XXXXXXXXXX 6032208 330 08/XX/2021 Credit UW Credit   UW Credit - UW - Credit Other   Provide signed letter of explanation regarding $35,000 payment to XXXX  dated 4/XX/2021. Documentation has been provided.     Reviewer 09/XX/2021 11:19 AM; Borrowers to sign LOX.   09/XX/2021     A 1 05/XX/2021 NV I 1 C   B   C   A   C   B   A   A     Exempt 1
1243002 XXXXXXXXXX XXXXXXXXXX 6032209 389 08/XX/2021 Credit UW Credit   UW Credit - UW - Fraud Alert documentation   Provide signed letter of explanation regarding the following self-employed businesses reflected on internal fraud report XXXX. Documentation has been provided.   Reviewer 09/XX/2021 11:19 AM; Borrowers to sign LOX.   09/XX/2021     A 1 05/XX/2021 NV I 1 C   B   C   A   C   B   A   A     Exempt 1
1243002 XXXXXXXXXX XXXXXXXXXX 5997338 902 08/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 05/XX/2021 NV I 1 C   B   C   A   C   B   A   A     Exempt 1
1243002 XXXXXXXXXX XXXXXXXXXX 5997339 968 08/XX/2021 Compliance Compliance   Compliance - CD- Fee Charged in Incorrect Section   Need PCCD moving Title CPL Fee, Title Inspection Fee, Title Lender's Title Insurance, Title Recording Services Fee, Title Signing Service Fee, Title Endorsement Fee, Title Escrow Fee to section C as borrower didn't use provider on SSPL. Information Provided     09/XX/2021     A 1 05/XX/2021 NV I 1 C   B   C   A   C   B   A   A     Exempt 1
1243002 XXXXXXXXXX XXXXXXXXXX 5997340 975 08/XX/2021 Compliance Compliance   Compliance - CD- Payee Name missing or incorrect   Payee name is missing for Final 442/CIR Fee in section -B and State Tax/Stamps in section-E and HOA Dues,Real Estate Transaction Fee, Sewer Balance Fee, Trash in CD dated 05/XX/2021.Please Provide correct PCCD for the same. Information Provided     09/XX/2021     A 1 05/XX/2021 NV I 1 C   B   C   A   C   B   A   A     Exempt 1
1243030 XXXXXXXXXX XXXXXXXXXX 6027232 379 XXXXXXXXXX Credit UW Other   UW Other - UW - Letter of Explanation   Loan file is missing HOI insurance or proof account is escrowed for XXXX Upload HOI policy to loan file *note DTI is 43% received   Reviewer 09/XX/2021 10:59 AM; HOI provided for XXXX.  Missing HOI for XXXX.

 Client 09/XX/2021 05:38 PM; Proof was provided that taxes &amp; insurance for XXXX is escrowed.  Uploaded as xxxxx_TDOC_XXXX  STATEMENT_134315.pdf

 Reviewer 09/XX/2021 05:42 PM; condition cleared		 09/XX/2021     A 1 XXXXXXXXXX WA I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1243033 XXXXXXXXXX XXXXXXXXXX 6030794 397 08/XX/2021 Credit UW Credit   UW Credit - UW - Credit Inquiries not properly addressed   CBR inquiries not addressed 12/XX/2020 XXXX provide LOE – no LOE in loan file  Following credit inquiries not reflected on credit report to be addressed 12/XX/2020 XXXX LOX has been provided.  Condition has been cleared.       09/XX/2021     A 1 05/XX/2021 CO I 13 C   B   B   A   C   B   C   A     Exempt 1
1243033 XXXXXXXXXX XXXXXXXXXX 6016764 884 08/XX/2021 Compliance Compliance   Compliance - Pending Internal completion of compliance fee tests.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 05/XX/2021 CO I 13 C   B   B   A   C   B   C   A     Exempt 1
1243033 XXXXXXXXXX XXXXXXXXXX 6016765 898 08/XX/2021 Compliance Compliance   Compliance - TRID- Fee Tolerance Violation   Tolerance exceeded by $81 due to the increase in credit report with no valid COC, please provide proof of refund, LOX and PCCD reflecting the cure Information Provided   Reviewer 09/XX/2021 06:40 AM; Tdocs provided were for a different property. Condition remains open.

 Reviewer 09/XX/2021 08:32 AM; Tolerance violation cure must be on a PCCD for this property address.  Condition remains.

 Reviewer 09/XX/2021 06:34 AM; PCCD reflecting cure and LOX provided. Please provide proof of $81 refund to the borrower.		   09/XX/2021   B 2 05/XX/2021 CO I 13 C   B   B   A   C   B   C   A     Exempt 1
1243033 XXXXXXXXXX XXXXXXXXXX 5993922 1108 08/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 05/XX/2021 CO I 13 C   B   B   A   C   B   C   A     Exempt 1
1243076 XXXXXXXXXX XXXXXXXXXX 5997218 902 08/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 05/XX/2021 AZ I 3 C   B   C   A   C   A   C   B   Exempt 1
1243076 XXXXXXXXXX XXXXXXXXXX 5993664 1108 08/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Loan originated with PIW. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     B 1 05/XX/2021 AZ I 3 C   B   C   A   C   A   C   B   Exempt 1
1243076 XXXXXXXXXX XXXXXXXXXX 6028424 320 08/XX/2021 Credit UW Assets   UW Assets - UW - Asset Other   Cash reserves required, in the amount of $8833.15 were not verified.  Bank statements from XXXX****XXXX, XXXX****XXXX and XXXX****XXXX, dated as of 2/XX/21 expired on 4/XX/21, few days prior Note dated 5/XX/21. Docs received   Client 09/XX/2021 07:06 PM; as of August 11, 2021 the 60 day doc expiration date has been retired. Confirm if this transaction may qualify for the 4 mos exp date rather than the 60 days that temporary policy put in place for COVID.

 Reviewer 09/XX/2021 07:11 AM; transaction does not qualify as application date was prior.		 09/XX/2021     A 1 05/XX/2021 AZ I 3 C   B   C   A   C   A   C   B   Exempt 1
1243093 XXXXXXXXXX XXXXXXXXXX 5997191 973 08/XX/2021 Compliance Compliance   Compliance - CD- Other   Final CD(issued on 05/XX/2021) is showing funding date as 05/XX/2021 which is prior to closing date 05/XX/2021. Funding date cannot be before closing date(borrower sign date). Information Provided     09/XX/2021     A 1 05/XX/2021 CA I 3 C   B   A   A   C   B   A   A     Exempt 1
1243093 XXXXXXXXXX XXXXXXXXXX 5997470 897 08/XX/2021 Compliance Compliance   Compliance - TRID CD- Other   Funding date 05/XX/2021 is prior to the Consummation date 05/XX/2021, on CD dated 05/XX/2021. Please provide the Correct PCCD for the same. Information Provided     09/XX/2021     A 1 05/XX/2021 CA I 3 C   B   A   A   C   B   A   A     Exempt 1
1243093 XXXXXXXXXX XXXXXXXXXX 5997471 902 08/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 05/XX/2021 CA I 3 C   B   A   A   C   B   A   A     Exempt 1
1243105 XXXXXXXXXX XXXXXXXXXX 5997858 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX PA I 1 C   A   A   A   C   A   C   A     Exempt 1
1243105 XXXXXXXXXX XXXXXXXXXX 5993954 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX PA I 1 C   A   A   A   C   A   C   A     Exempt 1
1243105 XXXXXXXXXX XXXXXXXXXX 6027736 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Second collateral evaluation is required due to no CU Score available on appraisal. Information Provided     08/XX/2021     A 1 XXXXXXXXXX PA I 1 C   A   A   A   C   A   C   A     Exempt 1
1243116 XXXXXXXXXX XXXXXXXXXX 6031107 1018 08/XX/2021 Credit UW Income/Employment   UW Income/Employment - UW - Self-Employed verify business   Missing proof of continued business existence for XXXX within 20 business days of the note, as required by COVID-19 Verbal Verification of employment requirements for any self employed borrowers. received     09/XX/2021     A 1 05/XX/2021 ID I 1 D   B   D   A   C   B   A   A     Exempt 1
1243116 XXXXXXXXXX XXXXXXXXXX 6031108 1018 08/XX/2021 Credit UW Income/Employment   UW Income/Employment - UW - Self-Employed verify business   Missing proof of continued business existence for XXXX, XXXX within 20 business days of the note, as required by COVID-19 Verbal Verification of employment requirements for any self employed borrowers. received     09/XX/2021     A 1 05/XX/2021 ID I 1 D   B   D   A   C   B   A   A     Exempt 1
1243116 XXXXXXXXXX XXXXXXXXXX 6031110 445 08/XX/2021 Credit UW Income/Employment   UW Income/Employment - UW - Other income documentation missing/incomplete   Bank statements covering a 1 month period for XXXX were provided and guidelines require 3 months of consecutive bank statements for self employed income analysis. Documentation has been provided.     09/XX/2021     A 1 05/XX/2021 ID I 1 D   B   D   A   C   B   A   A     Exempt 1
1243116 XXXXXXXXXX XXXXXXXXXX 6002778 897 08/XX/2021 Compliance Compliance   Compliance - TRID CD- Other   Closing date (05/XX/2021) on 1st page in final CD dated (05/XX/2021) is not matching with consummation date (05/XX/2021) and Note date (05/XX/2021).       09/XX/2021     A 1 05/XX/2021 ID I 1 D   B   D   A   C   B   A   A     Exempt 1
1243116 XXXXXXXXXX XXXXXXXXXX 6002780 902 08/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           09/XX/2021     A 1 05/XX/2021 ID I 1 D   B   D   A   C   B   A   A     Exempt 1
1243156 XXXXXXXXXX XXXXXXXXXX 6002277 868 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - Other:   Hazard Insurance effective date  06/XX/2021 is after loan disbursement date. Information Provided   Reviewer 09/XX/2021 11:38 AM; Document provided appears to be a renewal policy. Please provide policy that was in affect at the time the loan funded.  &#x0D;
Hazard policy provided with an effective date 06/XX/2021 is after the loan disbursement 05/XX/2021. Hazard policy must be in affect prior to disbursement.  		 09/XX/2021     A 1 XXXXXXXXXX VA I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1243199 XXXXXXXXXX XXXXXXXXXX 5994001 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   A   A   C   A     Exempt 1
1243242 XXXXXXXXXX XXXXXXXXXX 5994018 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX OR I 13 C   A   C   A   A   A   C   A     Exempt 1
1243242 XXXXXXXXXX XXXXXXXXXX 6032343 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide the final Closing Disclosure supporting new mortgage payment of $2,282.24 with xxx #xxxx for the property at xxxx document received   Client 10/XX/2021 03:19 PM; uploaded first payment letter for xxxx

 Reviewer 10/XX/2021 08:14 AM; deficiency cleared 		10/XX/2021     A 1 XXXXXXXXXX OR I 13 C   A   C   A   A   A   C   A     Exempt 1
1243242 XXXXXXXXXX XXXXXXXXXX 6032344 771 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Inquiry Letter in file addressing all inquiries within the last 90 days   For inquiry on 3/XX/21 by xxxx/xxxx RECEIVED     10/XX/2021     A 1 XXXXXXXXXX OR I 13 C   A   C   A   A   A   C   A     Exempt 1
1243242 XXXXXXXXXX XXXXXXXXXX 6032346 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide the final Closing Disclosure supporting new mortgage payment of $3,054.89 with xxx #xxxx for the property at xxxx document received   Client 10/XX/2021 03:20 PM; uploaded first payment letter for xxxx

 Reviewer 10/XX/2021 08:14 AM; deficiency cleared 		10/XX/2021     A 1 XXXXXXXXXX OR I 13 C   A   C   A   A   A   C   A     Exempt 1
1243248 XXXXXXXXXX XXXXXXXXXX 6002348 970 XXXXXXXXXX Compliance Compliance   Compliance - CD- Missing   Initial CD is missing in file. Provided.     09/XX/2021     A 1 XXXXXXXXXX TX I 3 D   A   D   A   C   A   A   A     Exempt 1
1243248 XXXXXXXXXX XXXXXXXXXX 5987217 824 XXXXXXXXXX Credit Title Policy   Title Policy - is missing.  Final ALTA title policy required.   Title commitment is missing in the file.       06/XX/2021     A 1 XXXXXXXXXX TX I 3 D   A   D   A   C   A   A   A     Exempt 1
1243248 XXXXXXXXXX XXXXXXXXXX 5987218 998 XXXXXXXXXX Credit UW Other   UW Other - UW - Title Commitment is missing or requires correction.   Title commitment is missing       06/XX/2021     A 1 XXXXXXXXXX TX I 3 D   A   D   A   C   A   A   A     Exempt 1
1243308 XXXXXXXXXX XXXXXXXXXX 5987588 326 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Evidence Satisfaction of Debt   Evidence for AUS omitted loans  XXXX #XXXX balance $289300; and XXXX #XXXX $775379 is not provided,       06/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1243308 XXXXXXXXXX XXXXXXXXXX 5987589 758 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit - PITIA for other REO incorrect/not included in debt ratio   Evidence for New XXXX loans balances $480,000; $548,250; and $300,000 is not provided       06/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1243308 XXXXXXXXXX XXXXXXXXXX 6002428 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1243308 XXXXXXXXXX XXXXXXXXXX 6002429 967 XXXXXXXXXX Credit Compliance   Compliance - CD- Dated incorrectly (Issue Date, Closing Date, Disbursement Date)   Funding date 04/XX/2021 is prior to the consummation date 04/XX/2021 in final CD dated 04/XX/2021. Please provide the correct PCCD for the same. Information Provided   Reviewer 09/XX/2021 09:51 AM; PCCD provided is for the wrong property address.  Condition remains. 09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1243368 XXXXXXXXXX XXXXXXXXXX 6011727 902 08/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 05/XX/2021 AL I 1 C   B   C   A   C   B   A   A     Exempt 1
1243368 XXXXXXXXXX XXXXXXXXXX 6011728 975 08/XX/2021 Compliance Compliance   Compliance - CD- Payee Name missing or incorrect   Payee name is missing for State Tax/Stamps in section-E in CD dated 05/XX/2021.Please Provide correct PCCD for the same. Information Provided     09/XX/2021     A 1 05/XX/2021 AL I 1 C   B   C   A   C   B   A   A     Exempt 1
1243368 XXXXXXXXXX XXXXXXXXXX 6035270 318 08/XX/2021 Credit UW Assets   UW Assets - UW - Source of Large Deposit   Source large deposit on 3/XX/2021 into XXXX Bank account #XXXX for $65,642.39. documentation provided   Client 09/XX/2021 01:24 PM; Pg. 159 of bundled images is an insurance claim letter dated 12/XX/20 that shows the payable amount for the claim was $65,642.39 but the check that was deposited 3/2 is not in the file.

 Reviewer 09/XX/2021 02:12 PM; condition cleared		 09/XX/2021     A 1 05/XX/2021 AL I 1 C   B   C   A   C   B   A   A     Exempt 1
1243374 XXXXXXXXXX XXXXXXXXXX 6042904 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Schedule of REO on the final loan application does not reflect the borrowers primary dwelling as a retained property. Loan Application indicates no housing expense, however the credit report list a HELOC with XXXX  that was associated to the borrowers primary dwelling. XXXX HELOC statement received and verified.     09/XX/2021     A 1 XXXXXXXXXX TX I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1243374 XXXXXXXXXX XXXXXXXXXX 6042905 387 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Taxes and Insurance documentation   Missing evidence of taxes and insurance for the following properties XXXX ;XXXX; XXXX; XXXX; XXXX; XXXX; XXXX; XXXX;XXXX and XXXX. Documentation has been provided.     Reviewer 09/XX/2021 10:34 AM; Condition deleted in error:  Document XXXX RE Taxes and HOI, XXXX RE Taxes and HOI and XXXX RE Taxes and HOI.  Also document any HOA (if any) for all properties listed. XXXX 9/XX/2021

 Reviewer 09/XX/2021 10:35 AM; Missing information for XXXX RE Taxes and HOI.  Also document any HOA (if any) for all properties listed.  		 09/XX/2021     A 1 XXXXXXXXXX TX I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1243417 XXXXXXXXXX XXXXXXXXXX 6011737 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     10/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   B   A   C   A   A   A     Exempt 1
1243417 XXXXXXXXXX XXXXXXXXXX 6011738 967 XXXXXXXXXX Credit Compliance   Compliance - CD- Dated incorrectly (Issue Date, Closing Date, Disbursement Date)   CD dated (05/XX/2021) is showing Funding/Disbursement Date (05/XX/2021) which is prior from the Consummation Date (06/XX/2021), Please provide correct PCCD for the same. Information Provided     10/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   B   A   C   A   A   A     Exempt 1
1243431 XXXXXXXXXX XXXXXXXXXX 6011732 894 XXXXXXXXXX Compliance Compliance   Compliance - TRID LE- Other   No LE's in E-File. Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 1 D   A   C   A   D   A   C   A     Exempt 1
1243431 XXXXXXXXXX XXXXXXXXXX 6011733 901 XXXXXXXXXX Compliance Compliance   Compliance - TRID Other   SSPL is missing in E-file. Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 1 D   A   C   A   D   A   C   A     Exempt 1
1243431 XXXXXXXXXX XXXXXXXXXX 6011734 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 1 D   A   C   A   D   A   C   A     Exempt 1
1243431 XXXXXXXXXX XXXXXXXXXX 5988140 9 XXXXXXXXXX Credit Application   Application - is missing   Final Loan Application was not found in Closing Package.       06/XX/2021     A 1 XXXXXXXXXX CA I 1 D   A   C   A   D   A   C   A     Exempt 1
1243431 XXXXXXXXXX XXXXXXXXXX 5988141 957 XXXXXXXXXX Credit Closing Package   Closing Package - First Payment Letter Missing or Incorrect   First Payment Letter was not found in Closing Package.       06/XX/2021     A 1 XXXXXXXXXX CA I 1 D   A   C   A   D   A   C   A     Exempt 1
1243431 XXXXXXXXXX XXXXXXXXXX 5988142 959 XXXXXXXXXX Credit Closing Package   Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect   IEADS was not found in Closing Package.       06/XX/2021     A 1 XXXXXXXXXX CA I 1 D   A   C   A   D   A   C   A     Exempt 1
1243431 XXXXXXXXXX XXXXXXXXXX 5988143 459 XXXXXXXXXX Compliance Note   Note - is missing - No Image of Note found in file   Note was not found in Closing Package.       06/XX/2021     A 1 XXXXXXXXXX CA I 1 D   A   C   A   D   A   C   A     Exempt 1
1243431 XXXXXXXXXX XXXXXXXXXX 5994084 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX CA I 1 D   A   C   A   D   A   C   A     Exempt 1
1243445 XXXXXXXXXX XXXXXXXXXX 5994093 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Documentation has been provided.       08/XX/2021     A 1 XXXXXXXXXX MA I 3 D   A   C   A   D   A   C   A     Exempt 1
1243445 XXXXXXXXXX XXXXXXXXXX 6010822 107 XXXXXXXXXX Compliance Deed of Trust/Mortgage   Deed of Trust/Mortgage - is missing riders.   Condominium Rider is missing. Information Provided   Reviewer 08/XX/2021 11:08 AM; Outstanding

 Reviewer 09/XX/2021 09:57 AM; Document not provided.		 09/XX/2021     A 1 XXXXXXXXXX MA I 3 D   A   C   A   D   A   C   A     Exempt 1
1243445 XXXXXXXXXX XXXXXXXXXX 6034890 387 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Taxes and Insurance documentation   Provide taxes, HOI and HOA for primary residence located at xxxx documentation provided   Client 09/XX/2021 08:10 AM; Received evidence of taxes and insurance for primary residence located at XXXX.

 Reviewer 09/XX/2021 08:22 AM; condition has been cleared		 09/XX/2021     A 1 XXXXXXXXXX MA I 3 D   A   C   A   D   A   C   A     Exempt 1
1243445 XXXXXXXXXX XXXXXXXXXX 6034897 434 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Shorts Funds for Reserves   XXXX asset statement expired before note date of 5/XX/2021. Provide updated XXXX statement to verify required reserves in the amount of $13,176.96. XXXX/XXXX account #XXXX statement period was from Jan 1 - Feb xx, 2021...expired on April xx, 2021. Note date is 5/XX/2021. documentation provided   Client 09/XX/2021 08:09 AM; Received XXXX account provided dated 3-xx-2021. Total funds to be verified per AUS/DU findings is $17,216.12.  XXXX account $6693.92 &XXX; XXXX  Account $54,095.52.

 Reviewer 09/XX/2021 08:24 AM; condition has been cleared		 09/XX/2021     A 1 XXXXXXXXXX MA I 3 D   A   C   A   D   A   C   A     Exempt 1
1243508 XXXXXXXXXX XXXXXXXXXX 6042403 393 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Missing undisclosed properties   Provide explanation for property at XXXX reporting on fraud report as potentially owned by XXXX.  If property is still owned by the borrower, add to REO and provide updated AUS. Doc received   Client 10/XX/2021 09:13 AM; Copy of MERS Report uploaded 10/XX/2021 under TDOC. Report pulled under SSN for XXXX. MERS Report does not list XXXX, as a property owned by the borrower.

 Reviewer 10/XX/2021 03:49 PM; condition cleared		 10/XX/2021     A 1 XXXXXXXXXX NY I 13 D   A   D   A   C   A   C   A     Exempt 1
1243508 XXXXXXXXXX XXXXXXXXXX 5994117 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX NY I 13 D   A   D   A   C   A   C   A     Exempt 1
1243508 XXXXXXXXXX XXXXXXXXXX 5988438 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent from "06/XX/2021" or prior signed by the borrower.       06/XX/2021     A 1 XXXXXXXXXX NY I 13 D   A   D   A   C   A   C   A     Exempt 1
1243543 XXXXXXXXXX XXXXXXXXXX 6014867 986 08/XX/2021 Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "10/XX/2020" or prior signed by the borrowers.         10/XX/2021   B 2 06/XX/2021 FL I 1 C   B   A   A   C   B   A   A     Exempt 1
1243597 XXXXXXXXXX XXXXXXXXXX 5994153 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX AZ I 1 C   A   C   A   A   A   C   A     Exempt 1
1243614 XXXXXXXXXX XXXXXXXXXX 5994163 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX MO I 13 C   A   A   A   C   A   C   A     Exempt 1
1243614 XXXXXXXXXX XXXXXXXXXX 5988831 879 XXXXXXXXXX Compliance Application   Application - Other:   Initial 1003 is not dated by the Loan Officer.       07/XX/2021     A 1 XXXXXXXXXX MO I 13 C   A   A   A   C   A   C   A     Exempt 1
1243614 XXXXXXXXXX XXXXXXXXXX 6038924 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   Comp 2 on appraisal for property at XXXX is missing proximity to subject Documentation has been provided.       09/XX/2021     A 1 XXXXXXXXXX MO I 13 C   A   A   A   C   A   C   A     Exempt 1
1243623 XXXXXXXXXX XXXXXXXXXX 5994168 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX SC I 3 C   A   C   A   A   A   C   A     Exempt 1
1243654 XXXXXXXXXX XXXXXXXXXX 5988987 201 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - is missing.           06/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   A   A     Exempt 1
1243660 XXXXXXXXXX XXXXXXXXXX 6024660 898 08/XX/2021 Compliance Compliance   Compliance - TRID- Fee Tolerance Violation   Zero tolerance of $150 due to increase in appraisal fee on 5/xx without a valid COC.  Please provide proof of refund, LOX to borrower and a PCCD reflecting cure.  All must be provided within 60 days of closing. Information Provided     10/XX/2021     A 1 06/XX/2021 UT I 13 C   B   A   A   C   B   A   A     Temporary QM Safe Harbor 1
1243660 XXXXXXXXXX XXXXXXXXXX 6024661 902 08/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     10/XX/2021     A 1 06/XX/2021 UT I 13 C   B   A   A   C   B   A   A     Temporary QM Safe Harbor 1
1243680 XXXXXXXXXX XXXXXXXXXX 6023917 898 08/XX/2021 Compliance Compliance   Compliance - TRID- Fee Tolerance Violation   Zero tolerance of $150 due to increase in appraisal and 10% violation of $50.90 due to increase in Recording fee.  Total of violations of $200.90.  $173.40 was cured at closing leaving a balance of $27.50 to still be cured.  Please provide proof of refund of $27.50, LOX to borrower and a PCCD reflecting a total cure of $200.90.  All must be provided within 60 days of closing. Information Provided     09/XX/2021     A 1 06/XX/2021 OR I 13 C   B   B   A   C   B   A   A     Temporary QM Safe Harbor 1
1243680 XXXXXXXXXX XXXXXXXXXX 6023918 902 08/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 06/XX/2021 OR I 13 C   B   B   A   C   B   A   A     Temporary QM Safe Harbor 1
1243680 XXXXXXXXXX XXXXXXXXXX 5989078 902 06/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           06/XX/2021     A 1 06/XX/2021 OR I 13 C   B   B   A   C   B   A   A     Temporary QM Safe Harbor 1
1243680 XXXXXXXXXX XXXXXXXXXX 5989079 967 06/XX/2021 Credit Compliance   Compliance - CD- Dated incorrectly (Issue Date, Closing Date, Disbursement Date)   Disbursement/Funding Date "06/XX/2021" is prior to the Consummation Date "06/XX/2021" on CD Dated "06/XX/2021". PCCD is required with corrections.       06/XX/2021     A 1 06/XX/2021 OR I 13 C   B   B   A   C   B   A   A     Temporary QM Safe Harbor 1
1243697 XXXXXXXXXX XXXXXXXXXX 5994196 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   C   A   A   A   C   A     Exempt 1
1243706 XXXXXXXXXX XXXXXXXXXX 5994203 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   A   A   C   A   C   A     Exempt 1
1243706 XXXXXXXXXX XXXXXXXXXX 5989179 865 XXXXXXXXXX Compliance Final 1003   Final 1003 - Other:   Race section of borrower "xxxx" is not completed on final 1003       06/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   A   A   C   A   C   A     Exempt 1
1243754 XXXXXXXXXX XXXXXXXXXX 6177617 1062 10/XX/2021 Compliance Compliance   Compliance - CD-Clerical error correction made more than 60 days post consummation     Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2   Reviewer 10/XX/2021 08:44 AM; Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2     10/XX/2021 B 2 06/XX/2021 CA I 3 C   B   B   A   C   B   C   A     Exempt 1
1258384 XXXXXXXXXX XXXXXXXXXX 6071641 433 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Short funds to close   Loan requires $13,244 reserves.  $0 reserves were verified; short $13,244 reserves. documentation provided     09/XX/2021     A 1 XXXXXXXXXX VA I 3 A   A   A   A   A   A   A   A     Exempt 1
1258384 XXXXXXXXXX XXXXXXXXXX 6071642 434 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Shorts Funds for Reserves   Loan requires $13,244 reserves.  $0 reserves were verified; short $13,244 reserves. documentation provided     09/XX/2021     A 1 XXXXXXXXXX VA I 3 A   A   A   A   A   A   A   A     Exempt 1
1258447 XXXXXXXXXX XXXXXXXXXX 6069021 357 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW - Cash Back Exceeds Limit   Last closing disclosure dated 5/XX/21 shows borrower getting cash back $2352.29. This Amount exceeds $2000 maximum for  Limited Cash Refinance. received   Client 09/XX/2021 11:33 AM; The final CD shows the $500 appraisal fee as POC.  Therefore, effective cash back when reduced by $500 is less than $2,000.

 Reviewer 09/XX/2021 11:54 AM; condition cleared		 09/XX/2021     A 1 XXXXXXXXXX CA I 3 A   A   A   A   A   A   A   A     Exempt 1
1258501 XXXXXXXXXX XXXXXXXXXX 6069437 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide mortgage statements for the properties located at xxxx Information Provided   Client 09/XX/2021 02:39 PM; Please review the uploaded mortgage statements to clear this finding.  Thank you.

 Reviewer 09/XX/2021 03:24 PM; received  

 Reviewer 09/XX/2021 09:20 AM; deficiency cleared in Tdocs 		09/XX/2021     A 1 XXXXXXXXXX CA I 1 A   A   A   A   A   A   A   A     Exempt 1
1258507 XXXXXXXXXX XXXXXXXXXX 6067617 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) CDA received within tolerance     10/XX/2021     A 1 XXXXXXXXXX CA I 3 A   A   A   A   A   A   A   A     Exempt 1
1270941 XXXXXXXXXX XXXXXXXXXX 6106684 1021 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Provide proof of payment for tax liablity shown on tax return extension   MISSING Proof of IRS DEBT owed as a result of 2019 tax returns in the amount of $6912.00.       06/XX/2021     A 1 XXXXXXXXXX NV I 13 C   A   C   A   N/A A   A   A     Temporary QM Safe Harbor 1
1270950 XXXXXXXXXX XXXXXXXXXX 6106778 758 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit - PITIA for other REO incorrect/not included in debt ratio   Documentation to verify PITIA for property xxxx. Primary Residence. Loan qualified with $2,211 for mortgage, HOI $83.75, taxes $686.42 and HOA $40. PITIA monthly listed on 1003. Need copy of HOI, taxes and HOA was missing from file. Received xxxx mortgage statement account#xxxxxxxx P&I $2,211.33 no escrow listed. Additional conditions may apply. Received for xxxx annual HOA $120, taxes $8,237.07, HOI $1.005.     09/XX/2021     A 1 XXXXXXXXXX TX I 13 C   A   C   A   N/A A   A   A     Exempt 1
1270950 XXXXXXXXXX XXXXXXXXXX 6106779 1015 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - IRS Transcripts required   Copy of 2019 IRS Transcripts required received   Reviewer 06/XX/2021 06:02 AM; Received 1040s for 2019 still need IRS transcripts using rental income. 09/XX/2021     A 1 XXXXXXXXXX TX I 13 C   A   C   A   N/A A   A   A     Exempt 1
1270953 XXXXXXXXXX XXXXXXXXXX 6106828 1015 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - IRS Transcripts required   2020 Tax transcripts required for rental income are not provided     Reviewer 06/XX/2021 06:11 PM; Received 2020 1040s. Please provide 2020 IRS tax transcripts.

 Reviewer 07/XX/2021 03:39 AM; x		 07/XX/2021     A 1 XXXXXXXXXX TX I 13 D   A   D   A   A   A   A   A     Temporary QM Safe Harbor 1
1270953 XXXXXXXXXX XXXXXXXXXX 6106829 431 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing   Required reserves, $9846.48.  No assets are listed on 1003.  Submitted assets on AUS, Checking, balance $6923 is not provided;     Reviewer 06/XX/2021 06:07 PM; Received the xxxx statement with balance of $6923.36 which is not sufficient to cover required reserves of $9846.48.

 Reviewer 06/XX/2021 05:28 AM; LOE states borrower has enough cash back from transaction.  Cash back on a refinance cannot be used for reserves

 Reviewer 06/XX/2021 01:17 PM; xxxx does not allow cash out proceeds to be used towards Reserves.  		 07/XX/2021     A 1 XXXXXXXXXX TX I 13 D   A   D   A   A   A   A   A     Temporary QM Safe Harbor 1
1270953 XXXXXXXXXX XXXXXXXXXX 6106830 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Verification funds available to pay 30-day xxxx balance $3470, is not provided;     Reviewer 06/XX/2021 05:28 AM; LOE states borrower has enough cash back from transaction.  Cash back on a refinance cannot be used for reserves 07/XX/2021     A 1 XXXXXXXXXX TX I 13 D   A   D   A   A   A   A   A     Temporary QM Safe Harbor 1
1270953 XXXXXXXXXX XXXXXXXXXX 6106831 1006 XXXXXXXXXX Credit UW Approval   UW Approval - UW Approval - 1008 or 92900 LT missing   1008 for subject is missing, provided 1008 is for different property, xxxx, on a primary residence       06/XX/2021     A 1 XXXXXXXXXX TX I 13 D   A   D   A   A   A   A   A     Temporary QM Safe Harbor 1
1270956 XXXXXXXXXX XXXXXXXXXX 6106854 445 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Other income documentation missing/incomplete   Missing documentation to support bonus income of $2653 per month for xxxx       07/XX/2021     A 1 XXXXXXXXXX IL I 13 D   A   D   A   A   A   A   A     Temporary QM Safe Harbor 1
1270956 XXXXXXXXXX XXXXXXXXXX 6106855 445 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Other income documentation missing/incomplete   Missing documentation to support overtime income of $1533 a month for xxxx       07/XX/2021     A 1 XXXXXXXXXX IL I 13 D   A   D   A   A   A   A   A     Temporary QM Safe Harbor 1
1270956 XXXXXXXXXX XXXXXXXXXX 6106856 1015 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - IRS Transcripts required   Missing 2019 tax transcripts for xxxx. Income is not being used for qualification     09/XX/2021     A 1 XXXXXXXXXX IL I 13 D   A   D   A   A   A   A   A     Temporary QM Safe Harbor 1
1270956 XXXXXXXXXX XXXXXXXXXX 6106857 1017 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Profit and Loss required   Missing YTD Profit and loss for xxxx signed  by borrower and 2 months business bank statements. Income is not being used for qualification     09/XX/2021     A 1 XXXXXXXXXX IL I 13 D   A   D   A   A   A   A   A     Temporary QM Safe Harbor 1
1270956 XXXXXXXXXX XXXXXXXXXX 6106858 1018 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Self-Employed verify business   Missing VVOE for xxxx S Corporation to confirm existence at note date 5/XX/2021 for xxxx. Income is not being used for qualification     09/XX/2021     A 1 XXXXXXXXXX IL I 13 D   A   D   A   A   A   A   A     Temporary QM Safe Harbor 1
1270956 XXXXXXXXXX XXXXXXXXXX 6141861 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX IL I 13 D   A   D   A   A   A   A   A     Temporary QM Safe Harbor 1
1270970 XXXXXXXXXX XXXXXXXXXX 6141867 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   A   A   A   A   C   A     Exempt 1
1270970 XXXXXXXXXX XXXXXXXXXX 6125135 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   UW Collateral UW - Appraisal Other COMMENT: CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   A   A   A   A   C   A     Exempt 1
1270987 XXXXXXXXXX XXXXXXXXXX 6125216 1010 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Debt clarification - Provide explanation for ommission of debt from AUS   Documentation for the omission of XXXX  loan ending XXXX was not provided as indicated on DU findings line #15 CD in file showing XXXX paid off   Reviewer 09/XX/2021 02:58 PM; Processor note states XXXXXX was refinanced and XXXX XXX was paid off. Provide closing disclosure from new refi that verifies PITI. 09/XX/2021     A 1 XXXXXXXXXX TX I 3 C   A   C   A   N/A A   A   A     Exempt 1
1271007 XXXXXXXXXX XXXXXXXXXX 6107197 375 XXXXXXXXXX Credit UW Other   UW Other - UW - Title/Deed to evidence ownership   Appraisal indicates previous sale of property for $xxxx and Title shows transfer. from XXX to XXX dated 2/XX/2021.  Evidence not provided that this is same person or flipping rules apply documentation provided     07/XX/2021     A 1 XXXXXXXXXX NY I 3 C   A   C   A   A   A   A   A     Exempt 1
1271016 XXXXXXXXXX XXXXXXXXXX 6107249 901 XXXXXXXXXX Compliance Compliance   Compliance - TRID Other   Lock document showing the date rate was locked with borrower missing from file.       07/XX/2021     A 1 XXXXXXXXXX MO I 1 C   A   C   A   C   A   A   A     Exempt 1
1271016 XXXXXXXXXX XXXXXXXXXX 6107250 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           07/XX/2021     A 1 XXXXXXXXXX MO I 1 C   A   C   A   C   A   A   A     Exempt 1
1271016 XXXXXXXXXX XXXXXXXXXX 6107251 920 XXXXXXXXXX Compliance Compliance   Compliance - TRID-Missing Final CD   Final CD is missing from the file.       07/XX/2021     A 1 XXXXXXXXXX MO I 1 C   A   C   A   C   A   A   A     Exempt 1
1271016 XXXXXXXXXX XXXXXXXXXX 6107252 335 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Calculation Incorrect   Base $19,427.95. Bonus $5795.45 Using YTD plus 1 yr avg.  Total income $25,222.74/mo.  WVOE shows other income, but no breakout or explanation and therefore can't determine if it is allowed. DTI 48% using total monthly income $25,222.74 document received   Reviewer 08/XX/2021 01:29 PM; Paystub provided does not show "other" income, DTI is higher than calculated income on AUS, if other income cannot be proven will need updated AUS with updated DTI 08/XX/2021     A 1 XXXXXXXXXX MO I 1 C   A   C   A   C   A   A   A     Exempt 1
1271016 XXXXXXXXXX XXXXXXXXXX 6107253 348 XXXXXXXXXX Credit UW Other   UW Other - UW - SSN Discrepancy/Misrep   Missing SSN verification and immigration docs in file. SSN alert on credit report. Only SSA-89 Authorization to release and DL in file. document received     08/XX/2021     A 1 XXXXXXXXXX MO I 1 C   A   C   A   C   A   A   A     Exempt 1
1271016 XXXXXXXXXX XXXXXXXXXX 6141883 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX MO I 1 C   A   C   A   C   A   A   A     Exempt 1
1271024 XXXXXXXXXX XXXXXXXXXX 6126316 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX WA I 13 D   A   D   A   A   A   C   A     Temporary QM Safe Harbor 1
1271024 XXXXXXXXXX XXXXXXXXXX 6107316 445 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Other income documentation missing/incomplete   Subject property rental income was used for qualifying appraisal shows rented month to month – no original lease in file to confirm renter had original year lease that turned into month to month after expiration date of original lease. The rental income was calculated by Schedule E therefore this is sufficient to show the property was rented for 365 days.  A lease is not required.     09/XX/2021     A 1 XXXXXXXXXX WA I 13 D   A   D   A   A   A   C   A     Temporary QM Safe Harbor 1
1271033 XXXXXXXXXX XXXXXXXXXX 6122343 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "03/XX/2018" or prior signed by the borrowers. Information Provided     09/XX/2021     A 1 XXXXXXXXXX NY I 1 C   A   A   A   C   A   C   A     Exempt 1
1271033 XXXXXXXXXX XXXXXXXXXX 6141892 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX NY I 1 C   A   A   A   C   A   C   A     Exempt 1
1271036 XXXXXXXXXX XXXXXXXXXX 6126783 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent Information Provided     09/XX/2021     A 1 XXXXXXXXXX MN I 3 C   A   A   A   A   A   C   A     Exempt 1
1271047 XXXXXXXXXX XXXXXXXXXX 6107472 1043 XXXXXXXXXX Compliance Compliance   Compliance - Compliance HPML - Need Lender's indication of whether loan is HPML or not. (lender's compliance report, or system screenshot displaying HPML results)   Compliance document was not found to confirm HPML.       07/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   C   A   C   A   A   A     Exempt 1
1271047 XXXXXXXXXX XXXXXXXXXX 6107473 90 XXXXXXXXXX Credit Credit Report   Credit Report - is missing   Credit report was not found for XXXX and XXXX.       07/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   C   A   C   A   A   A     Exempt 1
1271047 XXXXXXXXXX XXXXXXXXXX 6107474 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   XXXX and XXXX  credit report #XXX not in loan file. document received     08/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   C   A   C   A   A   A     Exempt 1
1271047 XXXXXXXXXX XXXXXXXXXX 6107475 318 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Source of Large Deposit   04/xx deposit 29,700 from XXXX not sourced- used for qualifying assets document received     08/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   C   A   C   A   A   A     Exempt 1
1271056 XXXXXXXXXX XXXXXXXXXX 6141895 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX FL I 1 C   A   A   A   A   A   C   A     Exempt 1
1271059 XXXXXXXXXX XXXXXXXXXX 6141897 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX WA I 3 A   A   A   A   A   A   A   A     Exempt 1
1271076 XXXXXXXXXX XXXXXXXXXX 6107634 973 XXXXXXXXXX Compliance Compliance   Compliance - CD- Other   Ineligible CD found in package. Unable to complete required data input.       07/XX/2021     A 1 XXXXXXXXXX TX I 13 C   A   A   A   C   A   A   A     Exempt 1
1271107 XXXXXXXXXX XXXXXXXXXX 6107883 913 XXXXXXXXXX Compliance Compliance   Compliance - Pending Completion of ComplianceEase/TRID Monitor Report.  Additional conditions may apply.     Auto-Cleared Compliance Testing Complete     06/XX/2021     A 1 XXXXXXXXXX NC I 1 C   A   A   A   C   A   A   A     Exempt 1
1271107 XXXXXXXXXX XXXXXXXXXX 6107884 894 XXXXXXXXXX Compliance Compliance   Compliance - TRID LE- Other   All Disclosed LE's are Missing in The File.       07/XX/2021     A 1 XXXXXXXXXX NC I 1 C   A   A   A   C   A   A   A     Exempt 1
1271107 XXXXXXXXXX XXXXXXXXXX 6121822 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "04/XX/2021" or prior signed by the borrower Information Provided   Reviewer 09/XX/2021 07:59 AM; outstanding

 Reviewer 10/XX/2021 11:55 AM; This was not located anywhere in the file		 10/XX/2021     A 1 XXXXXXXXXX NC I 1 C   A   A   A   C   A   A   A     Exempt 1
1271107 XXXXXXXXXX XXXXXXXXXX 6134764 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Loansafe risk manager has high alert for borrower having addtional loan applications on other properties in the last 120 days was not addressed. Doc received   Reviewer 10/XX/2021 06:00 PM; LOX received addressed old properties from the past.  Loansafe Risk Manager had high alerts for recent activity. 10/XX/2021     A 1 XXXXXXXXXX NC I 1 C   A   A   A   C   A   A   A     Exempt 1
1271110 XXXXXXXXXX XXXXXXXXXX 6107917 901 XXXXXXXXXX Compliance Compliance   Compliance - TRID Other   Homeowner Counseling document is missing in the file.     Reviewer 07/XX/2021 09:10 AM; Outstanding. 07/XX/2021     A 1 XXXXXXXXXX PA I 1 C   A   A   A   C   A   A   A     Exempt 1
1271113 XXXXXXXXXX XXXXXXXXXX 6141909 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 1 A   A   A   A   A   A   A   A     Exempt 1
1271116 XXXXXXXXXX XXXXXXXXXX 6141910 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 3 C   A   C   A   A   A   A   A     Exempt 1
1271116 XXXXXXXXXX XXXXXXXXXX 6128537 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   UW Collateral TPR UW - Second collateral evaluation is required. COMMENT CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 3 C   A   C   A   A   A   A   A     Exempt 1
1271116 XXXXXXXXXX XXXXXXXXXX 6107997 1010 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Debt clarification - Provide explanation for ommission of debt from AUS   XXXX loan account ending XXXX & XXXX account ending XXXX document received   Reviewer 07/XX/2021 09:22 AM; Divorce decree provided does not state specific debts. Provide XXXX statement verifying the property is XXXX and provide XXXX statement verifying lien against 2020 xxxx as stated in decree.

 Reviewer 08/XX/2021 11:49 AM; Received documentation for XXXX.Did not receive documentation verifying XXXX account is lien against 2020 xxxx		 08/XX/2021     A 1 XXXXXXXXXX TX I 3 C   A   C   A   A   A   A   A     Exempt 1
1271119 XXXXXXXXXX XXXXXXXXXX 6108011 437 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete Verbal VOE   Please resend copy of VVOE. Document unattainable. Received   Client 10/XX/2021 01:57 PM; The VOEs and VVOE were uploaded on 9/9 as 210433603800_TDOC_XXXXVOE_104957.pdf.  The VVOEs were uploaded again on 10/1 as 210433603800_TDOC_XXXX VVOE_135500.pdf.&#x0D;


 Reviewer 10/XX/2021 06:50 AM; deficiency cleared in Tdocs		 10/XX/2021     A 1 XXXXXXXXXX WA I 3 A   A   A   A   A   A   A   A     Exempt 1
1271122 XXXXXXXXXX XXXXXXXXXX 6122010 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     10/XX/2021     A 1 XXXXXXXXXX TX I 13 C   A   A   A   C   A   C   A     Temporary QM Safe Harbor 1
1271122 XXXXXXXXXX XXXXXXXXXX 6122011 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "04/XX/2021" or prior signed by the borrowers. Information Provided     10/XX/2021     A 1 XXXXXXXXXX TX I 13 C   A   A   A   C   A   C   A     Temporary QM Safe Harbor 1
1271122 XXXXXXXXXX XXXXXXXXXX 6122012 901 XXXXXXXXXX Compliance Compliance   Compliance - TRID Other   SSPL document is missing in file. Information Provided     10/XX/2021     A 1 XXXXXXXXXX TX I 13 C   A   A   A   C   A   C   A     Temporary QM Safe Harbor 1
1271122 XXXXXXXXXX XXXXXXXXXX 6141912 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 13 C   A   A   A   C   A   C   A     Temporary QM Safe Harbor 1
1271133 XXXXXXXXXX XXXXXXXXXX 6121486 895 XXXXXXXXXX Compliance Compliance   Compliance - TRID CD- Need proof CD was received 3 days prior to consummation     Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 A   A   A   A   A   A   A   A     Exempt 1
1271133 XXXXXXXXXX XXXXXXXXXX 6121487 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 A   A   A   A   A   A   A   A     Exempt 1
1271133 XXXXXXXXXX XXXXXXXXXX 6121488 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "05/XX/2021" or prior signed by the borrower. Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 A   A   A   A   A   A   A   A     Exempt 1
1271142 XXXXXXXXXX XXXXXXXXXX 6108129 335 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Calculation Incorrect   Commission calculation not acceptable, not supported by documentation. Borrower #2 commission income average is $23,578.43.  WVOE shows 2020 Commission of $xxxx9 and 2019 Commission of $xxxx.  Current YTD commission in 2021 is $xxxx through 6/XX/2021.  Underwriter used current year YTD calculation average of $xxxx. However, 2 year average is $xxxx.  No documentation in file to support using 2021 YTD average of commission. DTI calculation using commission income of $xxxx comes to 19.208%, which exceeds the 3% AUS tolerance. AUS received with corrected income     07/XX/2021     A 1 XXXXXXXXXX FL I 1 C   A   C   A   A   A   A   A     Exempt 1
1271156 XXXXXXXXXX XXXXXXXXXX 6121770 897 09/XX/2021 Compliance Compliance   Compliance - TRID CD- Other   Need payment history reflecting the principal reduction amount $892.75.         10/XX/2021   B 2 06/XX/2021 CA I 3 C   B   A   A   C   B   A   A     Exempt 1
1271156 XXXXXXXXXX XXXXXXXXXX 6121771 902 09/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.             10/XX/2021   B 2 06/XX/2021 CA I 3 C   B   A   A   C   B   A   A     Exempt 1
1271156 XXXXXXXXXX XXXXXXXXXX 6141921 1108 09/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 06/XX/2021 CA I 3 C   B   A   A   C   B   A   A     Exempt 1
1271159 XXXXXXXXXX XXXXXXXXXX 6108198 861 XXXXXXXXXX Compliance Note   Note - Other:   Note 3rd page is missing in file       08/XX/2021     A 1 XXXXXXXXXX TX I 1 D   A   D   A   C   A   A   A     Exempt 1
1271159 XXXXXXXXXX XXXXXXXXXX 6108202 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           08/XX/2021     A 1 XXXXXXXXXX TX I 1 D   A   D   A   C   A   A   A     Exempt 1
1271159 XXXXXXXXXX XXXXXXXXXX 6108203 901 XXXXXXXXXX Compliance Compliance   Compliance - TRID Other   Lock document showing the date rate was locked with borrower missing from file & needed for data delivery purposes.       08/XX/2021     A 1 XXXXXXXXXX TX I 1 D   A   D   A   C   A   A   A     Exempt 1
1271159 XXXXXXXXXX XXXXXXXXXX 6108205 438 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing pay stub   Missing most recent paystub for both borrowers document received     08/XX/2021     A 1 XXXXXXXXXX TX I 1 D   A   D   A   C   A   A   A     Exempt 1
1271159 XXXXXXXXXX XXXXXXXXXX 6108206 379 XXXXXXXXXX Credit UW Other   UW Other - UW - Letter of Explanation   Need LOE from borrower per Fraud report for Borrower is purchasing property in a state where they have not lived before and in a significantly lesser value market than previously owned property Purchase of investment   Reviewer 08/XX/2021 10:41 AM; LOE does not explain why Borrower is purchasing property in a state where they have not lived before and in a significantly lesser value market than previously owned property 09/XX/2021     A 1 XXXXXXXXXX TX I 1 D   A   D   A   C   A   A   A     Exempt 1
1271173 XXXXXXXXXX XXXXXXXXXX 6141926 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX DC I 1 C   A   A   A   A   A   C   A     Exempt 1
1271179 XXXXXXXXXX XXXXXXXXXX 6108324 868 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - Other:   Hazard Insurance Expiring within 30 days     Reviewer 08/XX/2021 10:11 PM; insufficent coverage, must cover the loan amount or replacement cost 08/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1271182 XXXXXXXXXX XXXXXXXXXX 6134623 327 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Satisfactory 12 mth Rental   New mortgage with xxxx, completed in Oct 2020 on their primary residence, is not reporting on credit. Evidence of the mortgage payment history for this loan could not be located. documentation was in initial file   Client 10/XX/2021 06:55 PM; Credit report in file has rating for Mortgage with xxx reporting paid as agree for 18 mos. This mortgage was recently refinanced  with Owning.  MERS and Fraud report indicate that primary residence was refinanced in 12/2020, note date 12/XX/2020 first payment due 2/xx with new lender. last reporting date on Credit Bureau from prior lender was 1/2021, paid as agree and reviewed for 18 mos.  Please consider waiving the requirement for rating from recently re

 Reviewer 10/XX/2021 12:11 PM; deficiemcy cleared		 10/XX/2021     A 1 XXXXXXXXXX NV I 1 C   A   C   A   A   A   A   A     Exempt 1
1271194 XXXXXXXXXX XXXXXXXXXX 6127332 771 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Inquiry Letter in file addressing all inquiries within the last 90 days   xxx-3/XX/2021 inquiry was not addressed Received   Client 10/XX/2021 05:14 PM; LOX for inquiry found in images.

 Reviewer 10/XX/2021 08:01 AM;

 Reviewer 10/XX/2021 10:35 AM; All conditions have been cleared. Thanks! 		10/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   C   A     Exempt 1
1271194 XXXXXXXXXX XXXXXXXXXX 6127430 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only-No action required by the Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   C   A     Exempt 1
1271196 XXXXXXXXXX XXXXXXXXXX 6108468 978 XXXXXXXXXX Compliance Application   Application - Demographic Addendum - Missing or Incomplete   Demographic Addendum incomplete for Borrower and Coborrower.     Reviewer 07/XX/2021 02:50 PM; still need

 Reviewer 07/XX/2021 05:42 AM; Rec'd another copy of the incomplete demographic addendums for both borrowers-RACE is still needed		 08/XX/2021     A 1 XXXXXXXXXX CA I 13 B   A   A   A   B   A   A   A     Temporary QM Safe Harbor 1
1271197 XXXXXXXXXX XXXXXXXXXX 6126569 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) cda received within tolerance     10/XX/2021     A 1 XXXXXXXXXX UT I 1 C   A   A   A   C   A   A   A     Exempt 1
1271199 XXXXXXXXXX XXXXXXXXXX 6108495 1043 XXXXXXXXXX Compliance Compliance   Compliance - Compliance HPML - Need Lender's indication of whether loan is HPML or not. (lender's compliance report, or system screenshot displaying HPML results)   Compliance document was not found to confirm HPML. N/A INVESTMENT PROPERTY   Reviewer 07/XX/2021 05:08 AM; still need 07/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   A   A   C   A   A   A     Exempt 1
1271202 XXXXXXXXXX XXXXXXXXXX 6132790 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. Internal condition only - (No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX WA I 1 C   A   A   A   A   A   C   A     Exempt 1
1271205 XXXXXXXXXX XXXXXXXXXX 6108532 313 XXXXXXXXXX Credit AUS   AUS - UW - AUS Other   MISSING explanation for Potential red flags reflecting on AUS for HIGH number of AUS submission.       07/XX/2021     A 1 XXXXXXXXXX DC I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1271211 XXXXXXXXXX XXXXXXXXXX 6130057 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide final CD/settlement statement for the refinance on the property located at xxxx xxxx xxxx xxxx from xxxx xxxx xxxx #xxxx supporting mortgage payment of $548.96 and escrow of $280.16 as the property was recently refinanced but docs are missing in file. CD received     09/XX/2021     A 1 XXXXXXXXXX TX I 1 A   A   A   A   A   A   A   A     Exempt 1
1271213 XXXXXXXXXX XXXXXXXXXX 6108570 437 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete Verbal VOE   MISSING VVOE for XXXX from XXXX to be completed within 10 days of the closing date.       07/XX/2021     A 1 XXXXXXXXXX FL I 13 D   A   D   A   A   A   A   A     Temporary QM Rebuttable Presumption 1
1271213 XXXXXXXXXX XXXXXXXXXX 6122667 898 XXXXXXXXXX Compliance Compliance   Compliance - TRID- Fee Tolerance Violation   Zero tolerance violation due to increase of Appraisal Fee with no valid coc in file. Please provide proof of $60 refund along with letter of explanation to borrower and PCCD reflecting total cure. All must be issued within 60 days of consummation Information Provided   Reviewer 09/XX/2021 02:46 PM; Received proof of refund and LOX. Please provide PCCD reflecting cure. 09/XX/2021     A 1 XXXXXXXXXX FL I 13 D   A   D   A   A   A   A   A     Temporary QM Rebuttable Presumption 1
1271213 XXXXXXXXXX XXXXXXXXXX 6122668 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX FL I 13 D   A   D   A   A   A   A   A     Temporary QM Rebuttable Presumption 1
1271222 XXXXXXXXXX XXXXXXXXXX 6126777 330 09/XX/2021 Credit UW Credit   UW Credit - UW - Credit Other   The 1003 shows the property at xxxx has a mortgage with an outstanding balance of $xxxx, payment $1252 monthly. This mortgage does not show on the credit report or supplemental report provided and there is not documentation confirming the terms or balance of this mortgage.    Waiver: DTI back end is 29.894%, Cash Reserves: Total/Months PITI-$XXXX / 13, FICO 792, LTV/CLTV 75.00%, Seasoned property manager, mortgage history 0 x 30 x 60 Along with the property disclosed on the 1003 REO, it is listed on the LoanSafe Risk Manager report along with the 2020 schedule Client 10/XX/2021 07:03 PM; Along with the property disclosed on the 1003 REO, it is listed on the LoanSafe Risk Manager report along with the 2020 schedule E.  &#x0D;
Waiver Request: DTI back end is 29.894%, Cash Reserves: Total/Months PITI-$37,732.42 / 13, FICO 792, LTV/CLTV 75.00%, Seasoned property manager, mortgage history 0 x 30 x 60&#x0D;


 Reviewer 10/XX/2021 11:54 AM; exception noted 		    10/XX/2021 B 2 06/XX/2021 IL I 3 A   B   A   B   A   A   A   A     Exempt 1
1271233 XXXXXXXXXX XXXXXXXXXX 6108652 199 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - Hazard insurance coverage is insufficient- Must cover the loan amount or estimated cost new, or policy to state guaranteed replacement cost   Hazard insurance coverage is insufficient- Must cover the loan amount.     Reviewer 07/XX/2021 07:53 AM; documentation provided will not clear condition. 07/XX/2021     A 1 XXXXXXXXXX TX I 13 B   A   B   A   A   A   A   A     Temporary QM Safe Harbor 1
1271239 XXXXXXXXXX XXXXXXXXXX 6108681 879 XXXXXXXXXX Compliance Application   Application - Other:   XXXX # is missing.     Reviewer 07/XX/2021 05:55 AM; still need 07/XX/2021     A 1 XXXXXXXXXX CA I 13 D   A   D   A   C   A   A   A     Temporary QM Safe Harbor 1
1271239 XXXXXXXXXX XXXXXXXXXX 6108683 440 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete 1040's   2019 and or 2020 1040 for verification on SS benefits being nontaxable, rental income calculations and offset of PITIA are not provided. document rec'd   Reviewer 07/XX/2021 02:56 PM; 07/XX/2021     A 1 XXXXXXXXXX CA I 13 D   A   D   A   C   A   A   A     Temporary QM Safe Harbor 1
1271239 XXXXXXXXXX XXXXXXXXXX 6108684 1015 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - IRS Transcripts required   2019 and/or 2020 transcripts required for rental income are not provided. document received     07/XX/2021     A 1 XXXXXXXXXX CA I 13 D   A   D   A   C   A   A   A     Temporary QM Safe Harbor 1
1271239 XXXXXXXXXX XXXXXXXXXX 6108685 339 XXXXXXXXXX Credit UW Other   UW Other - UW - Data Input Error   1008 is Property type is marked 1-unit; appraisal and AUS are 3-unit,       07/XX/2021     A 1 XXXXXXXXXX CA I 13 D   A   D   A   C   A   A   A     Temporary QM Safe Harbor 1
1271239 XXXXXXXXXX XXXXXXXXXX 6141939 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 13 D   A   D   A   C   A   A   A     Temporary QM Safe Harbor 1
1271254 XXXXXXXXXX XXXXXXXXXX 6126997 902 09/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 06/XX/2021 CA I 1 C   B   A   A   C   B   C   A     Exempt 1
1271254 XXXXXXXXXX XXXXXXXXXX 6126998 968 09/XX/2021 Compliance Compliance   Compliance - CD- Fee Charged in Incorrect Section   Title-Endorsement Fee and Title-Lenders xxxx Policy should be moved form section-C to section-B in  PCCD dated 06/XX/2021,As provider name matching with the provider on the SSPL. Please provide correct PCCD for the same. Information Provided     09/XX/2021     A 1 06/XX/2021 CA I 1 C   B   A   A   C   B   C   A     Exempt 1
1271265 XXXXXXXXXX XXXXXXXXXX 6172401 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) cda received within tolerance     10/XX/2021     A 1 XXXXXXXXXX CO I 1 C   A   A   A   A   A   C   A     Exempt 1
1271268 XXXXXXXXXX XXXXXXXXXX 6141946 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 B   A   A   A   B   A   A   A     Exempt 1
1271268 XXXXXXXXXX XXXXXXXXXX 6108786 978 XXXXXXXXXX Compliance Application   Application - Demographic Addendum - Missing or Incomplete   Demographic Addendum incomplete.       08/XX/2021     A 1 XXXXXXXXXX TX I 1 B   A   A   A   B   A   A   A     Exempt 1
1271271 XXXXXXXXXX XXXXXXXXXX 6133420 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only-No action required by the Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   A   A   C   A     Exempt 1
1271271 XXXXXXXXXX XXXXXXXXXX 6133572 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Final closing disclosure was not provided for the new Supreme Lending loan account ending xxxxxx for property located at xxxxx. Doc received     10/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   A   A   C   A     Exempt 1
1271271 XXXXXXXXXX XXXXXXXXXX 6133573 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Final closing disclosure was not provided for the new Supreme Lending loan account ending xxxxxx for property located at xxxxx. Doc received     10/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   A   A   C   A     Exempt 1
1271271 XXXXXXXXXX XXXXXXXXXX 6133575 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Final closing disclosure was not provided for the new xxxxxxxxxxx loan account ending xxxxxx for property located at xxxxx. Doc received     10/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   A   A   C   A     Exempt 1
1271271 XXXXXXXXXX XXXXXXXXXX 6133579 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Final closing disclosure was not provided for the new Supreme Lending loan account ending xxxxxx for property located at xxxxx. Doc received     10/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   A   A   C   A     Exempt 1
1271276 XXXXXXXXXX XXXXXXXXXX 6141950 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX NY I 1 C   A   A   A   C   A   A   A     Exempt 1
1271279 XXXXXXXXXX XXXXXXXXXX 6108834 901 07/XX/2021 Compliance Compliance   Compliance - TRID Other   Lock document showing the date rate was locked with borrower missing from file.       07/XX/2021     A 1 06/XX/2021 CA I 3 C   B   A   A   C   A   B B   Exempt 1
1271279 XXXXXXXXXX XXXXXXXXXX 6108835 902 07/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           07/XX/2021     A 1 06/XX/2021 CA I 3 C   B   A   A   C   A   B B   Exempt 1
1271279 XXXXXXXXXX XXXXXXXXXX 6108836 1055 07/XX/2021 Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   The AUS Findings were not included with the loan file Please provide.       07/XX/2021     A 1 06/XX/2021 CA I 3 C   B   A   A   C   A   B B   Exempt 1
1271279 XXXXXXXXXX XXXXXXXXXX 6108839 272 07/XX/2021 Valuation UW Collateral   UW Collateral - UW - Appraisal Other   FEMA event, no appraisal in file (PIW), proof no damage to subject property No FEMA disaster area found by either myself or DS with EMS     10/XX/2021     B 1 06/XX/2021 CA I 3 C   B   A   A   C   A   B B   Exempt 1
1271279 XXXXXXXXXX XXXXXXXXXX 6126817 1108 09/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   UW - Second collateral evaluation is required. COMMENT Loan originated with PIW. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     B 1 06/XX/2021 CA I 3 C   B   A   A   C   A   B B   Exempt 1
1271302 XXXXXXXXXX XXXXXXXXXX 6128030 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "05/XX/2021" or prior signed by the borrowers. Information Provided     10/XX/2021     A 1 XXXXXXXXXX AZ I 13 A   A   A   A   A   A   A   A     Temporary QM Safe Harbor 1
1271305 XXXXXXXXXX XXXXXXXXXX 6141957 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 A   A   A   A   A   A   A   A     Exempt 1
1271308 XXXXXXXXXX XXXXXXXXXX 6127317 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. Information Provided     09/XX/2021     A 1 XXXXXXXXXX CO I 1 C   A   A   A   A   A   C   A     Exempt 1
1271316 XXXXXXXXXX XXXXXXXXXX 6109011 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event dated 06/XX/2021.       08/XX/2021     A 1 XXXXXXXXXX MN I 13 C   A   A   A   C   A   A   A     Temporary QM Safe Harbor 1
1271316 XXXXXXXXXX XXXXXXXXXX 6109013 118 XXXXXXXXXX Compliance Deed of Trust/Mortgage   Deed of Trust/Mortgage - MIN is missing.   MIN is missing in Deed of trust.       08/XX/2021     A 1 XXXXXXXXXX MN I 13 C   A   A   A   C   A   A   A     Temporary QM Safe Harbor 1
1271322 XXXXXXXXXX XXXXXXXXXX 6109029 334 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Employment - Inconsistent/Misrepresent   Borrower is not marked SE on 1003 or AUS, Borrower name is XXXX employed by XXXX and files an 1120S and per K1 is 100% owner (also 50% owner in XXXX).  Provide all SE employment docs including all COVID verifications and 2 years full Business Tax Returns (partcial returns in file) sold company 12/XX/2020 documentation provided     07/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   A   A   C   A     Exempt 1
1271322 XXXXXXXXXX XXXXXXXXXX 6126863 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   A   A   C   A     Exempt 1
1271342 XXXXXXXXXX XXXXXXXXXX 6126504 336 09/XX/2021 Credit UW Income/Employment   UW Income/Employment - UW - Income Other   Provide evidence borrower file for Tax Extension for 2020.    DTI back end is 22.983%, Cash Reserves: Total/Months PITI-$XXXX / 110, FICO 735, LTV/CLTV 65.333%, Cash Back proceeds $XXXX. Reviewer 09/XX/2021 10:06 AM; Copy of tax extension not provided for 2020.

 Client 10/XX/2021 01:44 PM; Waiver Request: DTI back end is 22.983%, Cash Reserves: Total/Months PITI-$xxxx / 110, FICO 735, LTV/CLTV 65.333%, Cash Back proceeds $xxxx.  

 Reviewer 10/XX/2021 07:13 AM; exception noted 		    10/XX/2021 B 2 05/XX/2021 CA I 13 A   B   A   B   A   A   A   A     Exempt 1
1271343 XXXXXXXXXX XXXXXXXXXX 6126194 902 09/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.               09/XX/2021 B 2 05/XX/2021 CO I 1 D   B   D   A   C   B   A   A     Exempt 1
1271345 XXXXXXXXXX XXXXXXXXXX 6141968 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) CDA received within tolerance     10/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   C   A   A   A   A   A     Exempt 1
1271345 XXXXXXXXXX XXXXXXXXXX 6109148 867 XXXXXXXXXX Credit 4506   4506 - Other:   Line 7 must be Checked if requesting transcripts of income reported on W2 form Provided.     07/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   C   A   A   A   A   A     Exempt 1
1271345 XXXXXXXXXX XXXXXXXXXX 6109149 201 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - is missing.   Hazard Insurance is missing in file.     Reviewer 07/XX/2021 10:43 AM; Tdoc provided is a quote. Condition remains open.

 Reviewer 07/XX/2021 07:11 AM; Outstanding. 		08/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   C   A   A   A   A   A     Exempt 1
1271351 XXXXXXXXXX XXXXXXXXXX 6109179 897 XXXXXXXXXX Compliance Compliance   Compliance - TRID CD- Other   on last disclosed CD dated 06/XX/2021, is showing disbursement date on 1st page and 2nd page of section F as 06/XX/2021 Which is prior to closing date 06/XX/2021 (Signing date). Need PCCD with Corrections.     Reviewer 07/XX/2021 10:57 AM; Outstanding. 08/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   A   A   C   A   A   A     Temporary QM Safe Harbor 1
1271351 XXXXXXXXXX XXXXXXXXXX 6109180 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           08/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   A   A   C   A   A   A     Temporary QM Safe Harbor 1
1271359 XXXXXXXXXX XXXXXXXXXX 6109222 431 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing   All pages of the bank statements for xxxx checking account#xxxx balance $11,783.76, xxxx checking account#xxxx balance $2,000 and xxxx savings account#xxxx balance $10,005. No statements were received and AUS requires account statements covering 1 month. Accounts are listed on the 1003, 1008 and AUS. AUS requires reserves verified for $9,580.38 be verified. Additional conditions may apply. received   Client 10/XX/2021 12:34 PM; The Asset documents in question were received on 7/XX/2021 and re-uploaded on 9/XX/2021.  Please review and advise.  

 Reviewer 10/XX/2021 05:38 PM; deficiency cleared 		10/XX/2021     A 1 XXXXXXXXXX MD I 13 D   A   D   A   A   A   A   A     Exempt 1
1271359 XXXXXXXXXX XXXXXXXXXX 6141973 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX MD I 13 D   A   D   A   A   A   A   A     Exempt 1
1271365 XXXXXXXXXX XXXXXXXXXX 6109265 897 XXXXXXXXXX Compliance Compliance   Compliance - TRID CD- Other   on last disclosed CD dated 06/XX/2021, is showing disbursement date on 1st page and 2nd page of section F as 06/XX/2021 Which is prior to closing date 06/XX/2021 (Signing date).Need PCCD with Corrections.     Reviewer 07/XX/2021 12:39 PM; No documentation provided 08/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   C   A   A   A     Exempt 1
1271365 XXXXXXXXXX XXXXXXXXXX 6109266 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           08/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   C   A   A   A     Exempt 1
1271382 XXXXXXXXXX XXXXXXXXXX 6109355 970 XXXXXXXXXX Compliance Compliance   Compliance - CD- Missing   Initial CD is missing in the file.       08/XX/2021     A 1 XXXXXXXXXX NC I 13 C   A   A   A   C   A   A   A     QM Safe Harbor 1
1271382 XXXXXXXXXX XXXXXXXXXX 6126158 897 XXXXXXXXXX Compliance Compliance   Compliance - TRID CD- Other   Initial CD dated 05/XX/2021 is not received 3 days prior to consummation date 05/XX/2021. Information Provided     10/XX/2021     A 1 XXXXXXXXXX NC I 13 C   A   A   A   C   A   A   A     QM Safe Harbor 1
1271382 XXXXXXXXXX XXXXXXXXXX 6126159 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     10/XX/2021     A 1 XXXXXXXXXX NC I 13 C   A   A   A   C   A   A   A     QM Safe Harbor 1
1271382 XXXXXXXXXX XXXXXXXXXX 6141981 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX NC I 13 C   A   A   A   C   A   A   A     QM Safe Harbor 1
1271385 XXXXXXXXXX XXXXXXXXXX 6141982 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 1 A   A   A   A   A   A   A   A     Exempt 1
1271399 XXXXXXXXXX XXXXXXXXXX 6126287 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   UW - Second collateral evaluation is required. COMMENT No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   C   A   C   A     Exempt 1
1271399 XXXXXXXXXX XXXXXXXXXX 6109443 897 XXXXXXXXXX Compliance Compliance   Compliance - TRID CD- Other   Need payment history reflecting the principal reduction amount $827.94     Reviewer 07/XX/2021 06:24 AM; outstanding.

 Reviewer 07/XX/2021 11:36 AM; The Payment History provided reflects the principal reduction applied to the escrow. The PR should be applied to the Principal.  		 07/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   C   A   C   A     Exempt 1
1271399 XXXXXXXXXX XXXXXXXXXX 6109444 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           07/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   C   A   C   A     Exempt 1
1271399 XXXXXXXXXX XXXXXXXXXX 6109446 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrowers electronically need e-consent from "03/XX/2021" or prior signed by the borrowers. Provided.     07/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   C   A   C   A     Exempt 1
1271399 XXXXXXXXXX XXXXXXXXXX 6109447 335 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Calculation Incorrect   Income calculation for B1 (xxxxxxxxxx) is incorrect. See uploaded worksheet for income calculation breakdown for Base, overtime & bonus. The ratios are out of tolerance.     Reviewer 07/XX/2021 10:26 AM; Provide LOE for Year to date  base earnings $24,518.40/3.6= $6,810.67 lower than hourly and 2019/2018 Base earnings

 Reviewer 07/XX/2021 03:20 PM; AUS qualified borrower is Base income $9,239.56. Overtime $1,387.30 and Bonus $2,352.08.Year to date base earnings are $24,518.40/3.6= $6,810.67.Overtime &amp; Discretionary pay= $2,134.37 and Bonus $1,176.04= $11,960.24. This income is within tolerance with an explanation for the year to date "Base" earnings ($6,810.67) less than qualifying earnings.		 07/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   C   A   C   A     Exempt 1
1271399 XXXXXXXXXX XXXXXXXXXX 6109448 771 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Inquiry Letter in file addressing all inquiries within the last 90 days   Is missing for inquiries on 3/XX/21 -xxxxx and 2/XX/21 - xxxxx       07/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   C   A   C   A     Exempt 1
1271405 XXXXXXXXXX XXXXXXXXXX 6141988 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   C   A   A   A     Exempt 1
1271414 XXXXXXXXXX XXXXXXXXXX 6126935 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX PA I 1 C   A   A   A   A   A   C   A     Exempt 1
1271422 XXXXXXXXXX XXXXXXXXXX 6141996 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX FL I 13 C   A   A   A   A   A   C   A     Temporary QM Safe Harbor 1
1271425 XXXXXXXXXX XXXXXXXXXX 6141997 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX WA I 3 A   A   A   A   A   A   A   A     Exempt 1
1271425 XXXXXXXXXX XXXXXXXXXX 6109585 187 XXXXXXXXXX Credit Flood Certificate   Flood Certificate - is missing.   SECTION INCOM PLETE. FLOOD CERTIFICATE MISSING FROM BULK FILE.       07/XX/2021     A 1 XXXXXXXXXX WA I 3 A   A   A   A   A   A   A   A     Exempt 1
1271431 XXXXXXXXXX XXXXXXXXXX 6141998 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX NC I 1 A   A   A   A   A   A   A   A     Exempt 1
1271434 XXXXXXXXXX XXXXXXXXXX 6109618 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event           07/XX/2021     A 1 XXXXXXXXXX NY I 13 C   A   A   A   C   A   A   A     Temporary QM Safe Harbor 1
1271442 XXXXXXXXXX XXXXXXXXXX 6125822 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     10/XX/2021     A 1 XXXXXXXXXX AZ I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1271442 XXXXXXXXXX XXXXXXXXXX 6125823 975 XXXXXXXXXX Compliance Compliance   Compliance - CD- Payee Name missing or incorrect   Payee name is missing for "Title - CPL Fee", "Title - Escrow Fee" in section-B in CD dated 06/XX/2021. PCCD required with corrections. Information Provided     10/XX/2021     A 1 XXXXXXXXXX AZ I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1271442 XXXXXXXXXX XXXXXXXXXX 6125824 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrowers electronically need e-consent from "05/XX/2021" or prior signed by the borrowers. Information Provided     10/XX/2021     A 1 XXXXXXXXXX AZ I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1271442 XXXXXXXXXX XXXXXXXXXX 6139696 392 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Debt Clarification   Properties located onxxxxx andxxxxx were listed as free and clear on the final 1003; however, both the 2020 1040s and the corresponding HOI dec pages either listed a Lender (xxxxx (Escrowed) OR do not contain enough information on it where a lender would be listed (xxxxx). The credit report also reflects four mortgages having been paid off as of 2/2021 so if either of these properties have mortgages but were not reporting at the time of the original credit pull, evidence of these full payments should be provided and calculations updated accordingly OR evidence properties are, in fact, owned free and clear. Doc received     10/XX/2021     A 1 XXXXXXXXXX AZ I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1271442 XXXXXXXXXX XXXXXXXXXX 6139697 1009 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Debt clarification - Provide explanation regarding the following liability in the file   xxxxx property was listed and calculated as being free and clear; however, the HOI dec page for this property (7/XX/2020 - 7/XX/2021) lists xxxxx-xxxxx as the mortgagee with the property NOT being escrowed. Doc received     10/XX/2021     A 1 XXXXXXXXXX AZ I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1271442 XXXXXXXXXX XXXXXXXXXX 6139698 758 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit - PITIA for other REO incorrect/not included in debt ratio   The 2020 1040s reflect Sch E income (with mortgage interest) for a property located at xxxxx; however, this property does not appear to have been included on the loan application or other calculations in the file. If this is a separate property owned or mortgaged, then the full payment should be included in the debt ratio or otherwise explained. Doc received     10/XX/2021     A 1 XXXXXXXXXX AZ I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1271451 XXXXXXXXXX XXXXXXXXXX 6109677 108 XXXXXXXXXX Compliance Deed of Trust/Mortgage   Deed of Trust/Mortgage - is missing.   MISSING MOST RECENT MORTGAGE STATEMENT FOR XXXX.  MUST VERIFY IF ESCROWED OR NOT, IF NOT ESCROWED OBTAIN TAX BILL, INSURANCE, AND HOA DUES document received     07/XX/2021     A 1 XXXXXXXXXX WA I 3 D   A   D   A   D   A   A   A     Exempt 1
1271451 XXXXXXXXXX XXXXXXXXXX 6109678 459 XXXXXXXXXX Compliance Note   Note - is missing - No Image of Note found in file   MISSING EXPLANATION AND SUFFICIENT DOCUMENTATION PROVIDING A SUPPORTIVE REASON TO CONSIDER THE BONUS INCOME.  (NO BONUS INCOME FOR 2021 AND DECLINING BONUS INCOME IN 2020)  *** INCOME IS PENDING  *** Received VOE with bonus income and LOE, used lower income of 2020, per LOE borrower is only paid the bonus in July.  Income was calculated in workbook provided by UW, see workbook for calculations.   Reviewer 08/XX/2021 08:37 AM; Provide letter from employer  explaining why bonus was lower in 2020 than in 2019 ($26,458.52 lower) 07/XX/2021     A 1 XXXXXXXXXX WA I 3 D   A   D   A   D   A   A   A     Exempt 1
1271451 XXXXXXXXXX XXXXXXXXXX 6109680 861 XXXXXXXXXX Compliance Note   Note - Other:   MISSING UPDATE TITLE REPORT (EXPIRED ON 7/XX/2021 ) Final title policy uploaded.     07/XX/2021     A 1 XXXXXXXXXX WA I 3 D   A   D   A   D   A   A   A     Exempt 1
1271451 XXXXXXXXXX XXXXXXXXXX 6109681 344 XXXXXXXXXX Credit UW Other   UW Other - UW - Missing Terms of First   This loan is a cash out refinance & the borrower does not have the required 6 months of title seasoning. XXXX, Cash-Out Refinance Transactions (10/XX/2020); Delayed Financing Exception: requirements met.     09/XX/2021     A 1 XXXXXXXXXX WA I 3 D   A   D   A   D   A   A   A     Exempt 1
1271454 XXXXXXXXXX XXXXXXXXXX 6109693 895 XXXXXXXXXX Compliance Compliance   Compliance - TRID CD- Need proof CD was received 3 days prior to consummation   Hazard Insurance is missing.       08/XX/2021     A 1 XXXXXXXXXX MD I 13 D   A   D   A   C   A   A   A     Safe Harbor QM (APOR) 1
1271454 XXXXXXXXXX XXXXXXXXXX 6109694 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.   XXXX ending XXXX See uploaded processor cert and 1008 comments.     08/XX/2021     A 1 XXXXXXXXXX MD I 13 D   A   D   A   C   A   A   A     Safe Harbor QM (APOR) 1
1271454 XXXXXXXXXX XXXXXXXXXX 6109695 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Closing disclosure or mortgage note was not provided for the new mortgage opened on property located XXXX document received     08/XX/2021     A 1 XXXXXXXXXX MD I 13 D   A   D   A   C   A   A   A     Safe Harbor QM (APOR) 1
1271454 XXXXXXXXXX XXXXXXXXXX 6109696 335 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Calculation Incorrect   Provide VVOE from previous employer XXXXX using base income, also noted previous employer matching on Fraud report   Client 10/XX/2021 02:52 PM; The borrower has been at his current job 18 months at the time of origination.  Compensating Factors:  Cash Reserves: Total/Months PITI $xxxx / 40, 820/FICO.    

 Reviewer 10/XX/2021 06:56 AM; deficiency cleared		 08/XX/2021     A 1 XXXXXXXXXX MD I 13 D   A   D   A   C   A   A   A     Safe Harbor QM (APOR) 1
1271454 XXXXXXXXXX XXXXXXXXXX 6109697 998 XXXXXXXXXX Credit UW Other   UW Other - UW - Title Commitment is missing or requires correction.   Assets short for reserves. Missing XXXX statement for $xxxx. Following asset statements provided XXXX ending balance 16,302.77   04/XX/2021  to 04/XX/2021 & 03/XX/2021 to 04/XX/2021 and 02/XX/2021 to 03/XX/2021  XXXX ending balance 958.14 on 04/xx & 03/xx & 02/xx XXXX  01/XX/2021 to 03/XX/2021 ending balance 57,033.31 qualifying balance 39,923.10.  Funds required to be verified 2 months worth - $0 closing and 84,667.31 reserves. document received     09/XX/2021     A 1 XXXXXXXXXX MD I 13 D   A   D   A   C   A   A   A     Safe Harbor QM (APOR) 1
1271454 XXXXXXXXXX XXXXXXXXXX 6109698 454 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW - Seasoning Requirement Not Met   XXXX 2020 1099 for IRA distribution income not provided See Tdocs dated 8/17.   Reviewer 08/XX/2021 03:02 PM; Documentation received for XXXX. No documentation for XXXX

 Reviewer 08/XX/2021 01:58 PM; Documents received are for SSA and not IRA, provide IRA documents		 09/XX/2021     A 1 XXXXXXXXXX MD I 13 D   A   D   A   C   A   A   A     Safe Harbor QM (APOR) 1
1271462 XXXXXXXXXX XXXXXXXXXX 6142005 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CO I 1 A   A   A   A   A   A   A   A     Exempt 1
1271482 XXXXXXXXXX XXXXXXXXXX 6109792 201 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - is missing.   XXXX IRA statement not provided to verify it will continue for at least 3 more years to support monthly distribution of $3540 document received, IRA statements are sufficient   Reviewer 08/XX/2021 03:02 PM; Documentation received for XXXX. No documentation for XXXX

 Reviewer 08/XX/2021 01:58 PM; Documents received are for SSA and not IRA, provide IRA documents		 08/XX/2021     A 1 XXXXXXXXXX ID I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1271482 XXXXXXXXXX XXXXXXXXXX 6109793 1010 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Debt clarification - Provide explanation for ommission of debt from AUS   xxxx Account ending xxxxxx See uploaded processor cert and 1008 comments.     09/XX/2021     A 1 XXXXXXXXXX ID I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1271482 XXXXXXXXXX XXXXXXXXXX 6109794 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Closing disclosure or mortgage note was not provided for the new mortgage opened on property located xxxx document received     08/XX/2021     A 1 XXXXXXXXXX ID I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1271485 XXXXXXXXXX XXXXXXXXXX 6142012 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX NJ I 1 C   A   A   A   A   A   C   A     Exempt 1
1271497 XXXXXXXXXX XXXXXXXXXX 6142014 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX WA I 3 C   A   C   A   A   A   C   A     Exempt 1
1271497 XXXXXXXXXX XXXXXXXXXX 6109838 1015 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - IRS Transcripts required   Transcripts reflect 2020 not filed and IRS 2020 extension missing in file. Rental income used to qualify for subject. document received. 2020 tax returns received     08/XX/2021     A 1 XXXXXXXXXX WA I 3 C   A   C   A   A   A   C   A     Exempt 1
1271505 XXXXXXXXXX XXXXXXXXXX 6142015 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX MO I 1 C   A   A   A   A   A   C   A     Exempt 1
1271514 XXXXXXXXXX XXXXXXXXXX 6150624 447 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - 2yr Employment history not verified   Provide VVOE from previous employer xxxx using base income, also noted previous employer matching on Fraud report   Client 10/XX/2021 02:52 PM; The borrower has been at his current job 18 months at the time of origination.  Compensating Factors:  Cash Reserves: Total/Months PITI $68,846.43 / 40, 820/FICO.    

 Reviewer 10/XX/2021 06:56 AM; deficiency cleared		 10/XX/2021     A 1 XXXXXXXXXX KS I 1 A   A   A   A   A   A   A   A     Exempt 1
1271537 XXXXXXXXXX XXXXXXXXXX 6139369 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   A   A   A   A   C   A     Temporary QM Safe Harbor 1
1271545 XXXXXXXXXX XXXXXXXXXX 6142029 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX IL I 1 C   A   A   A   A   A   C   A     Exempt 1
1271557 XXXXXXXXXX XXXXXXXXXX 6110011 431 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing   Assets short for reserves. Missing xxxx retirement statement for $216,041.00. Following asset statements provided xxxx # xxxx ending balance 16,302.77   04/XX/2021  to 04/XX/2021 & 03/XX/2021 to 04/XX/2021 and 02/XX/2021 to 03/XX/2021  Commercial Checking xxx # xxxx ending balance 958.14 on 04/xx & 03/xx & 02/xx xxxx #xxxx  01/XX/2021 to 03/XX/2021 ending balance 57,033.31 qualifying balance 39,923.10.  Funds required to be verified 2 months worth - $0 closing and 84,667.31 reserves. document received     07/XX/2021     A 1 XXXXXXXXXX TX I 13 D   A   D   A   A   A   A   A     Temporary QM Safe Harbor 1
1271565 XXXXXXXXXX XXXXXXXXXX 6110038 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   xxxs 2020 1099 for IRA distribution income not provided See Tdocs dated 8/17.   Reviewer 08/XX/2021 03:02 PM; Documentation received for xxx. No documentation for xxx

 Reviewer 08/XX/2021 01:58 PM; Documents received are for SSA and not IRA, provide IRA documents		 09/XX/2021     A 1 XXXXXXXXXX IN I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1271565 XXXXXXXXXX XXXXXXXXXX 6110039 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   xxxx's IRA statement not provided to verify it will continue for at least 3 more years to support monthly distribution of $3540 document received, IRA statements are sufficient   Reviewer 08/XX/2021 03:02 PM; Documentation received for xxxx. No documentation for xxxx

 Reviewer 08/XX/2021 01:58 PM; Documents received are for SSA and not IRA, provide IRA documents		 08/XX/2021     A 1 XXXXXXXXXX IN I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1271591 XXXXXXXXXX XXXXXXXXXX 6142043 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX FL I 1 C   A   A   A   A   A   C   A     Exempt 1
1271591 XXXXXXXXXX XXXXXXXXXX 6160066 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   UCDP Score unable to be provided for FNMA.  CDA required. Information Provided     09/XX/2021     A 1 XXXXXXXXXX FL I 1 C   A   A   A   A   A   C   A     Exempt 1
1271594 XXXXXXXXXX XXXXXXXXXX 6142044 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) cda received within tolerance     10/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   A   A   C   A   A   A     Exempt 1
1271594 XXXXXXXXXX XXXXXXXXXX 6110143 101 XXXXXXXXXX Compliance Deed of Trust/Mortgage   Deed of Trust/Mortgage - County does not matches legal description   County name in DOT is reflecting as "xxxx", however in legal description and appraisal report it is "xxxx". recorded Correction affidavit provided   Reviewer 07/XX/2021 03:08 PM; Please provide corrected copy of Deed of trust, showing county as xxxx. 08/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   A   A   C   A   A   A     Exempt 1
1271597 XXXXXXXXXX XXXXXXXXXX 6137453 1108 09/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   MISSING AVM REPORT (PIW ELIGIBLE) Information Provided     09/XX/2021     B 1 06/XX/2021 CA I 3 C   B   A   A   A   A   C   B   Exempt 1
1271600 XXXXXXXXXX XXXXXXXXXX 6142045 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX FL I 1 C   A   B   A   C   A   A   A     Exempt 1
1271600 XXXXXXXXXX XXXXXXXXXX 6110158 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           08/XX/2021     A 1 XXXXXXXXXX FL I 1 C   A   B   A   C   A   A   A     Exempt 1
1271608 XXXXXXXXXX XXXXXXXXXX 6110200 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Unable to locate in imaging the Closing Disclosure or Settlement Statement from the recent refinance of the borrower’s rental property located at xxxx This is required in order to document the payoff of the existing loan on this property and to document the new payment used in the review. document provided     07/XX/2021     A 1 XXXXXXXXXX AZ I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1271608 XXXXXXXXXX XXXXXXXXXX 6142047 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) cda received within tolerance     10/XX/2021     A 1 XXXXXXXXXX AZ I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1271620 XXXXXXXXXX XXXXXXXXXX 6142049 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 D   A   D   A   A   A   A   A     Exempt 1
1271620 XXXXXXXXXX XXXXXXXXXX 6110234 687 XXXXXXXXXX Credit Title Commitment   Title Commitment - Compliance \ Title Commitment - Fee Simple   Title Commitment document not legible. Need Complete readable Title commitment in file.       07/XX/2021     A 1 XXXXXXXXXX TX I 1 D   A   D   A   A   A   A   A     Exempt 1
1271620 XXXXXXXXXX XXXXXXXXXX 6110235 340 XXXXXXXXXX Credit UW Other   UW Other - UW - Insurance Missing (MI or Project)   Evidence of H06  is missing from the file. Master HOA insurance policy is in the file  There appears to be an umbrella liability insurance policy but the walls in insurance was not listed nor was there a separate policy provided. waiving requirement for co insurance on CCR     07/XX/2021     A 1 XXXXXXXXXX TX I 1 D   A   D   A   A   A   A   A     Exempt 1
1271631 XXXXXXXXXX XXXXXXXXXX 6131747 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   UW - Second collateral evaluation is required. COMMENT CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   A   A   A   A   C   A     Exempt 1
1271637 XXXXXXXXXX XXXXXXXXXX 6110298 978 XXXXXXXXXX Compliance Application   Application - Demographic Addendum - Missing or Incomplete   Ethnicity of borrowers are missing on Demographic addendum       07/XX/2021     A 1 XXXXXXXXXX ID I 1 B   A   A   A   B   A   A   A     Exempt 1
1271637 XXXXXXXXXX XXXXXXXXXX 6142051 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX ID I 1 B   A   A   A   B   A   A   A     Exempt 1
1271651 XXXXXXXXXX XXXXXXXXXX 6142057 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX UT I 1 A   A   A   A   A   A   A   A     Exempt 1
1271663 XXXXXXXXXX XXXXXXXXXX 6142061 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX FL I 1 A   A   A   A   A   A   A   A     Exempt 1
1271674 XXXXXXXXXX XXXXXXXXXX 6110455 325 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Net Rental Income Incorrect   Missing lease agreement for REO xxxxxxxxxx to support $1,595.00 as submitted. document received     08/XX/2021     A 1 XXXXXXXXXX FL I 1 C   A   C   A   A   A   A   A     Exempt 1
1271674 XXXXXXXXXX XXXXXXXXXX 6110456 326 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Evidence Satisfaction of Debt   Loan submitted with omitted debt xxxxxxxx xxxx $4415.00 and xxxxx xxxx $1775.00 documentation to support omission of debt not found in loan file. document received     08/XX/2021     A 1 XXXXXXXXXX FL I 1 C   A   C   A   A   A   A   A     Exempt 1
1271677 XXXXXXXXXX XXXXXXXXXX 6110476 443 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Alimony/Child Support income not documented   Copy of the child support order was not provided along with birth certificates to verify ages to see if it will continue for at least 3 more years. document received     08/XX/2021     A 1 XXXXXXXXXX CA I 1 D   A   D   A   A   A   C   A     Exempt 1
1271677 XXXXXXXXXX XXXXXXXXXX 6110477 324 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Debt Calculations Incorrect   Taxes and insurance for borrowers current primary residence was not verified and used in the debt to income calculation document received.  Taxes/HOI included in DTI calculations     08/XX/2021     A 1 XXXXXXXXXX CA I 1 D   A   D   A   A   A   C   A     Exempt 1
1271677 XXXXXXXXXX XXXXXXXXXX 6140792 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only-No action required by the Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 1 D   A   D   A   A   A   C   A     Exempt 1
1271700 XXXXXXXXXX XXXXXXXXXX 6142071 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX FL I 13 C   A   A   A   A   A   C   A     Temporary QM Safe Harbor 1
1271711 XXXXXXXXXX XXXXXXXXXX 6142072 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX MI I 13 A   A   A   A   A   A   A   A     Temporary QM Safe Harbor 1
1271720 XXXXXXXXXX XXXXXXXXXX 6142075 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX VA I 3 C   A   A   A   A   A   C   A     Exempt 1
1271746 XXXXXXXXXX XXXXXXXXXX 6142079 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX IN I 13 C   A   A   A   A   A   C   A     Exempt 1
1271777 XXXXXXXXXX XXXXXXXXXX 6145402 320 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Other   There are no asset statements in file.  The 1003 lists a checking account with xxxx for $77347 Doc provided     10/XX/2021     A 1 XXXXXXXXXX TX I 1 A   A   A   A   A   A   A   A     Exempt 1
1271794 XXXXXXXXXX XXXXXXXXXX 6142090 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   A   A   A   A   C   A     Exempt 1
1271823 XXXXXXXXXX XXXXXXXXXX 6111217 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide 2019-2020 Federal Tax Business & Personal Tax Returns applicable for this loan and also Transcripts for 2019-2020 CPA letter reflects borrower has been self-employed for 5 years as Schedule C and AUS requires most current year tax returns. 2020 personal and schedule C tax return provided with 2020 tax transcripts.       Reviewer 07/XX/2021 08:06 AM; 2020 1040 tax returns with sch C found in the loan file. 2020 Tax transcripts provided as well. Please note, income submitted at origination is not supported.  However, lender has provided an updated AUS supporting monthly income submitted to IRS.  Still missing 2019 tax returns &amp; transcripts as required.

 Reviewer 07/XX/2021 08:24 AM; Still need 2019 Tax return

 Reviewer 07/XX/2021 08:24 AM; and Transcripts

 Reviewer 07/XX/2021 06:53 AM; Lender states 2019 returns and transcript not needed. Please refer to AUS on requirement of returns and transcripts. Please note the CPA letter in file does not confirm business in existence for at least 5 years. Provide evidence business in existence for at least 5 years as required.		 09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   A   A     Exempt 1
1271823 XXXXXXXXXX XXXXXXXXXX 6111218 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide P&L statement Signed P&L provided. Schedule C income calculated to be $5,975.16, which P&L supports and reflects higher YTD.      Reviewer 07/XX/2021 08:10 AM; P &amp; L found in the loan file, page 150, does not support the income submitted to IRS per transcripts uploaded. AUS income has been revised supporting income submitted to IRS. Provide an audited P&amp;L statement supporting income submitted to IRS.

 Reviewer 07/XX/2021 06:52 AM; Lender to provide supporting income calculations to support origination income. 		09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   A   A     Exempt 1
1271823 XXXXXXXXXX XXXXXXXXXX 6111219 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   The Rental income for xxxxxxxxx is showing $2600 from lease, but the 1007 on xxxxxx property Provides a rental income of $2300, also the appraisal reflects that is vacant and the Lease will not be affect until 8/XX/21. Please provide a rental deposit and or rental income Rental net income loss for subject property is ($147.52). Loan DTI is within tolerance. See conversation log for comments.  MK - Documentation has been provided.     Reviewer 07/XX/2021 08:46 AM; Please amend AUS to reflect rental income based on vacancy in the amount of $2300 per 1007 form  vs $2600 lease agreement which does not go into effect 8/XX/2021. 09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   A   A     Exempt 1
1271823 XXXXXXXXXX XXXXXXXXXX 6111220 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   The HOA of $350 for xxxxxxxxxx needs to be taken in consideration and be added to liabilities, also xxxxxxxx need to be added to liabilities also provide evidence who is responsible for paying the tax and and insurance for xxxxxxxxxx, DU will need to be run due to DTI issues xxxxxxxxxx not owned by borrower.  Borrower is not responsible for this property.  Property not listed on 1003 REO.      Reviewer 07/XX/2021 08:43 AM; Tax and insurance for xxxxxxxxxx will also need to be debt service. The Insurance of $3423/285.28 09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   A   A     Exempt 1
1271837 XXXXXXXXXX XXXXXXXXXX 6111285 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent from "04/XX/2021" or prior signed by the borrower.       07/XX/2021     A 1 XXXXXXXXXX PA I 13 C   A   A   A   C   A   A   A     Exempt 1
1271840 XXXXXXXXXX XXXXXXXXXX 6111295 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrowers electronically need e-consent form "05/XX/2021" or prior signed by the borrowers.       07/XX/2021     A 1 XXXXXXXXXX GA I 1 C   A   A   A   C   A   A   A     Exempt 1
1271855 XXXXXXXXXX XXXXXXXXXX 6133404 968 XXXXXXXXXX Compliance Compliance   Compliance - CD- Fee Charged in Incorrect Section   Pest Inspection fees must be moved form section C to section B in Final CD dated 06/XX/2021 as the borrower  choose from the providers list, Please provided correct PCCD for the same. Information Provided     10/XX/2021     A 1 XXXXXXXXXX CA I 1 A   A   A   A   A   A   A   A     Exempt 1
1271855 XXXXXXXXXX XXXXXXXXXX 6133405 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     10/XX/2021     A 1 XXXXXXXXXX CA I 1 A   A   A   A   A   A   A   A     Exempt 1
1271863 XXXXXXXXXX XXXXXXXXXX 6111397 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "06/XX/2021" or prior signed by the borrowers.       07/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   C   A   A   A     Exempt 1
1271863 XXXXXXXXXX XXXXXXXXXX 6111399 1018 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Self-Employed verify business   For all SELF-EMPLOYED 3 months business statements no older than the latest 3 months on the P&L are required. No further action required.     09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   C   A   A   A     Exempt 1
1271886 XXXXXXXXXX XXXXXXXXXX 6111471 496 XXXXXXXXXX Valuation Appraisal   Appraisal - Compliance \ Appraisal - If "Subject to Completion"-a Completion Cert (form 442 or 1004D dated March 2005) & original photos is required   Need appraisal completion report (1004D). Provided.     07/XX/2021     A 1 XXXXXXXXXX MN I 1 C   A   A   A   A   A   C   A     Exempt 1
1271892 XXXXXXXXXX XXXXXXXXXX 6111492 431 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing   Evidence supporting sufficient reserve assets required - '17,673.39 (per DU) from xxxxxxxx document received     07/XX/2021     A 1 XXXXXXXXXX TX I 13 D   A   D   A   A   A   A   A     Temporary QM Safe Harbor 1
1271892 XXXXXXXXXX XXXXXXXXXX 6111493 1017 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Profit and Loss required   Evidence of YTD P&L statement for xxxxxxxx, supporting the use of income = $24,301.25 document received     08/XX/2021     A 1 XXXXXXXXXX TX I 13 D   A   D   A   A   A   A   A     Temporary QM Safe Harbor 1
1271892 XXXXXXXXXX XXXXXXXXXX 6142118 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 13 D   A   D   A   A   A   A   A     Temporary QM Safe Harbor 1
1271900 XXXXXXXXXX XXXXXXXXXX 6142120 1108 09/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     B 1 07/XX/2021 FL I 1 C   B   A   A   C   A   A   B     Exempt 1
1271900 XXXXXXXXXX XXXXXXXXXX 6111522 978 08/XX/2021 Compliance Application   Application - Demographic Addendum - Missing or Incomplete   BORROWER'S RACE WAS SELECTED, AS WELL AS THE I DO NOT WISH TO PROVIDE THIS INFORMAION.       08/XX/2021     A 1 07/XX/2021 FL I 1 C   B   A   A   C   A   A   B     Exempt 1
1271900 XXXXXXXXXX XXXXXXXXXX 6166932 1109 09/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Third collateral evaluation is required.   Variance out of tolerance.  (Internal condition only - No action required by Correspondent) BPO received within tolerance     10/XX/2021     B 1 07/XX/2021 FL I 1 C   B   A   A   C   A   A   B     Exempt 1
1271906 XXXXXXXXXX XXXXXXXXXX 6111554 473 XXXXXXXXXX Credit 4506   4506 - Compliance \ 4506 - Must be signed and dated by borrower(s) at closing   4506-C is not signed and dated by borrower at closing date.       07/XX/2021     A 1 XXXXXXXXXX FL I 1 B   A   A   A   B   A   A   A     Exempt 1
1271912 XXXXXXXXXX XXXXXXXXXX 6111587 901 XXXXXXXXXX Compliance Compliance   Compliance - TRID Other   Initial disclosures were delivered to the borrower electronically need e-consent form "06/XX/2021" or prior signed by the borrowers.       07/XX/2021     A 1 XXXXXXXXXX VA I 1 C   A   A   A   C   A   A   A     Exempt 1
1271920 XXXXXXXXXX XXXXXXXXXX 6111614 1006 XXXXXXXXXX Credit UW Approval   UW Approval - UW Approval - 1008 or 92900 LT missing   1008 not found in loan file. document received     08/XX/2021     A 1 XXXXXXXXXX AZ I 3 D   A   D   A   A   A   A   A     Exempt 1
1271920 XXXXXXXXXX XXXXXXXXXX 6136321 897 XXXXXXXXXX Compliance Compliance   Compliance - TRID CD- Other   SSPL dated 05/XX/2021 is not within 3 days of Initial LE dated 03/XX/2021. Provided.     09/XX/2021     A 1 XXXXXXXXXX AZ I 3 D   A   D   A   A   A   A   A     Exempt 1
1271920 XXXXXXXXXX XXXXXXXXXX 6136322 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX AZ I 3 D   A   D   A   A   A   A   A     Exempt 1
1271920 XXXXXXXXXX XXXXXXXXXX 6130373 865 XXXXXXXXXX Compliance Final 1003   Final 1003 - Other:   Co-Borrower(xxxx) Employment Start Date(xxxx) is missing in final 1003 Information Provided   Reviewer 09/XX/2021 07:33 AM; Outstanding. 09/XX/2021     A 1 XXXXXXXXXX AZ I 3 D   A   D   A   A   A   A   A     Exempt 1
1271920 XXXXXXXXXX XXXXXXXXXX 6142127 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX AZ I 3 D   A   D   A   A   A   A   A     Exempt 1
1271923 XXXXXXXXXX XXXXXXXXXX 6142128 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX NJ I 3 A   A   A   A   A   A   A   A     Exempt 1
1271929 XXXXXXXXXX XXXXXXXXXX 6142129 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX MN I 1 C   A   A   A   A   A   C   A     Exempt 1
1271940 XXXXXXXXXX XXXXXXXXXX 6142131 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   A   A   A   A   C   A     Exempt 1
1271946 XXXXXXXXXX XXXXXXXXXX 6111697 436 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete VOE   Missing Verbal VOE dated within days of note date. VOE in file dated 7/XX/21 is 8 business days until Closing 7/14     09/XX/2021     A 1 XXXXXXXXXX FL I 1 A   A   A   A   A   A   A   A     Exempt 1
1271949 XXXXXXXXXX XXXXXXXXXX 6111710 894 XXXXXXXXXX Compliance Compliance   Compliance - TRID LE- Other   Missing Initial LE is disclosed within three business days of the loan originator's application date (06/XX/2021)       07/XX/2021     A 1 XXXXXXXXXX NY I 13 C   A   A   A   C   A   A   A     Exempt 1
1271949 XXXXXXXXXX XXXXXXXXXX 6111711 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           07/XX/2021     A 1 XXXXXXXXXX NY I 13 C   A   A   A   C   A   A   A     Exempt 1
1271952 XXXXXXXXXX XXXXXXXXXX 6142135 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 A   A   A   A   A   A   A   A     Exempt 1
1271955 XXXXXXXXXX XXXXXXXXXX 6111729 901 XXXXXXXXXX Compliance Compliance   Compliance - TRID Other   Lock document showing the date rate was locked with borrower missing from file       08/XX/2021     A 1 XXXXXXXXXX OK I 1 C   A   A   A   C   A   A   A     Exempt 1
1271955 XXXXXXXXXX XXXXXXXXXX 6111730 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event 07/XX/2021       08/XX/2021     A 1 XXXXXXXXXX OK I 1 C   A   A   A   C   A   A   A     Exempt 1
1271955 XXXXXXXXXX XXXXXXXXXX 6111731 978 XXXXXXXXXX Compliance Application   Application - Demographic Addendum - Missing or Incomplete   Application Demographic Addendum is Incomplete for the Borrower (xxxxxx) and the Co-borrower (xxxxx).       08/XX/2021     A 1 XXXXXXXXXX OK I 1 C   A   A   A   C   A   A   A     Exempt 1
1271955 XXXXXXXXXX XXXXXXXXXX 6111736 313 XXXXXXXXXX Credit AUS   AUS - UW - AUS Other   Required for ULDD Data Discrepancy  Latest DU ID# xxxxx (submission date 07/XX/2021 #3) in file and appraised value in this DU ($270000.00) mismatch with Appraisal report appraised value ($275000.00). In TDOC Provided DU ID#xxxxx (07/XX/2021 #3) is prior to latest DU in file. Please provider Re-submitted DU with correct Appraised value.     Reviewer 08/XX/2021 04:48 AM; Required for ULDD Data Delivery: Updated AUS is not received. 08/XX/2021     A 1 XXXXXXXXXX OK I 1 C   A   A   A   C   A   A   A     Exempt 1
1271966 XXXXXXXXXX XXXXXXXXXX 6142142 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX AZ I 1 C   A   A   A   A   A   C   A     Exempt 1
1271975 XXXXXXXXXX XXXXXXXXXX 6111825 970 XXXXXXXXXX Compliance Compliance   Compliance - CD- Missing   Initial CD is missing in the file.       07/XX/2021     A 1 XXXXXXXXXX KS I 1 C   A   A   A   C   A   A   A     Exempt 1
1271983 XXXXXXXXXX XXXXXXXXXX 6136578 868 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - Other:   Hazard  Policy number cannot be blank or TBD. Information Provided     10/XX/2021     A 1 XXXXXXXXXX TX I 1 A   A   A   A   A   A   A   A     Exempt 1
1272015 XXXXXXXXXX XXXXXXXXXX 6142156 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   A   A   A   A   C   A     Exempt 1
1272026 XXXXXXXXXX XXXXXXXXXX 6142162 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX FL I 1 A   A   A   A   A   A   A   A     Exempt 1
1272029 XXXXXXXXXX XXXXXXXXXX 6142163 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CO I 1 C   A   A   A   A   A   C   A     Exempt 1
1272032 XXXXXXXXXX XXXXXXXXXX 6142164 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX FL I 13 C   A   A   A   A   A   C   A     Temporary QM Safe Harbor 1
1272046 XXXXXXXXXX XXXXXXXXXX 6112090 867 XXXXXXXXXX Credit 4506   4506 - Other:   In 4506-C Line 7 need to be checked Requesting transcripts of income reported on W2 form.     Reviewer 08/XX/2021 07:33 AM; Outstanding. 08/XX/2021     A 1 XXXXXXXXXX TX I 1 B   A   B   A   A   A   A   A     Exempt 1
1272052 XXXXXXXXXX XXXXXXXXXX 6139871 1108 09/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   UW - Second collateral evaluation is required. COMMENT Loan originated with PIW. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     B 1 07/XX/2021 CA I 13 C   B   A   A   C   A   B B   Temporary QM Safe Harbor 1
1272069 XXXXXXXXXX XXXXXXXXXX 6142173 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   B   A   C   A   A   A     Exempt 1
1272069 XXXXXXXXXX XXXXXXXXXX 6112222 867 XXXXXXXXXX Credit 4506   4506 - Other:   In 4506-C, Line 7 should be checked as Transcript requested reflecting on 4506-C is W-2.       08/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   B   A   C   A   A   A     Exempt 1
1272078 XXXXXXXXXX XXXXXXXXXX 6112266 422 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Legible report/photos required   Appraisal report does not have colored photos document received     08/XX/2021     A 1 XXXXXXXXXX TX I 13 D   A   A   A   A   A   D   A     Temporary QM Safe Harbor 1
1272078 XXXXXXXXXX XXXXXXXXXX 6142177 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 13 D   A   A   A   A   A   D   A     Temporary QM Safe Harbor 1
1272098 XXXXXXXXXX XXXXXXXXXX 6112373 201 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - is missing.   Hazard Insurance is missingin file.       08/XX/2021     A 1 XXXXXXXXXX FL I 1 C   A   C   A   A   A   A   A     Exempt 1
1272106 XXXXXXXXXX XXXXXXXXXX 6142184 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 A   A   A   A   A   A   A   A     Exempt 1

 

 
 

 

Evolve Loan ID Customer Loan ID Seller Loan ID Loan Exception ID Exception ID Exception Date Exception Type Exception Category Exception Subcategory Exception Exception Detail Exception Information Exception Remediation Compensating Factors Follow-up Comments Cleared Date Cured Date Waived Date Exception Level Grade Exception Level Rating Note Date Property State Occupancy Purpose Overall Initial Loan Grade Overall Final Loan Grade Credit Initial Loan Grade Credit Final Loan Grade Compliance Initial Loan Grade Compliance Final Loan Grade Property Initial Loan Grade Property Final Loan Grade Originator QM ATR Status TPR QM ATR Status Is Curable
1272118 XXXXXXXXXX XXXXXXXXXX 6141795 1108 09/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Loan originated with PIW. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     B 1 06/XX/2021 CA I 3 C   B   A   A   A   A   C   B   Exempt 1
1272135 XXXXXXXXXX XXXXXXXXXX 6142194 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX WA I 1 C   A   A   A   A   A   C   A     Exempt 1
1272138 XXXXXXXXXX XXXXXXXXXX 6142196 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   A   A   A   A   C   A     Temporary QM Safe Harbor 1
1272141 XXXXXXXXXX XXXXXXXXXX 6112594 973 XXXXXXXXXX Compliance Compliance   Compliance - CD- Other   Please provide corrected post consummation CD with correct disbursement date. Disbursement date can not be prior to the date the DOT was executed which was 06/XX/2021 as per DOT images in file.       08/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   C   A   A   A     Exempt 1
1272141 XXXXXXXXXX XXXXXXXXXX 6112595 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           08/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   C   A   A   A     Exempt 1
1272149 XXXXXXXXXX XXXXXXXXXX 6112641 247 XXXXXXXXXX Credit VOE - verbal or FNMA 1005   VOE - verbal or FNMA 1005 - Verbal VOE is NOT dated within 10 days prior to closing date   Borrower's(xxxx) VVOE date is exceeding the 10 business days limit from the Note date.     Reviewer 08/XX/2021 01:08 PM; outstanding 08/XX/2021     A 1 XXXXXXXXXX NC I 1 B   A   B   A   A   A   A   A     Exempt 1
1272155 XXXXXXXXXX XXXXXXXXXX 6112674 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrowers electronically need e-consent from "05/XX/2021" or prior signed by the borrowers.       08/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   C   A   A   A     Exempt 1
1272161 XXXXXXXXXX XXXXXXXXXX 6112706 205 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - property address is incorrect.   Hazard insurance showing property street address "xxx" however Note showing "xxxx".     Reviewer 08/XX/2021 10:57 AM; Corrected document has not been provided.  It is not the closing package. Please upload only the corrected HOI for this deficiency

 Reviewer 08/XX/2021 10:35 AM; outstanding		 08/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   A   A   C   A     Temporary QM Safe Harbor 1
1272161 XXXXXXXXXX XXXXXXXXXX 6142205 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   A   A   C   A     Temporary QM Safe Harbor 1
1272169 XXXXXXXXXX XXXXXXXXXX 6142206 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   A   A   C   A     Exempt 1
1272175 XXXXXXXXXX XXXXXXXXXX 6142209 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX FL I 13 C   A   A   A   A   A   C   A     Temporary QM Safe Harbor 1
1272178 XXXXXXXXXX XXXXXXXXXX 6141803 1108 09/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Loan originated with PIW. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     B 1 06/XX/2021 CA I 3 C   B   A   A   A   A   C   B   Exempt 1
1272181 XXXXXXXXXX XXXXXXXXXX 6112798 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           08/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   A   A   C   A   A   A     Exempt 1
1272198 XXXXXXXXXX XXXXXXXXXX 6139627 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   A   A   C   A     Exempt 1
1272212 XXXXXXXXXX XXXXXXXXXX 6148497 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "05/XX/2021" or prior signed by the borrower. Information Provided     10/XX/2021     A 1 XXXXXXXXXX TX I 1 A   A   A   A   A   A   A   A     Exempt 1
1272255 XXXXXXXXXX XXXXXXXXXX 6145683 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent from "06/XX/2021" or prior signed by the borrower. Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   A   A   C   A   A   A     Exempt 1
1272258 XXXXXXXXXX XXXXXXXXXX 6142224 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX MN I 1 A   A   A   A   A   A   A   A     Exempt 1
1272261 XXXXXXXXXX XXXXXXXXXX 6113080 459 XXXXXXXXXX Compliance Note   Note - is missing - No Image of Note found in file   NOTE IS MISSING       08/XX/2021     A 1 XXXXXXXXXX NC I 1 D   A   A   A   D   A   A   A     Exempt 1
1272261 XXXXXXXXXX XXXXXXXXXX 6151960 346 XXXXXXXXXX Credit UW Other   UW Other - UW - Complete Purchase Agreement   MISSING SALES CONTRACT ADDENDUM TO REFLECT THE CLOSING DATE EXTENDED TO 7/XX/2021 Doc received     10/XX/2021     A 1 XXXXXXXXXX NC I 1 D   A   A   A   D   A   A   A     Exempt 1
1272261 XXXXXXXXXX XXXXXXXXXX 6151961 998 XXXXXXXXXX Credit UW Other   UW Other - UW - Title Commitment is missing or requires correction.   MISSING EVIDENCE OF 12 MONTHS CHAIN OF TITLE Doc received     10/XX/2021     A 1 XXXXXXXXXX NC I 1 D   A   A   A   D   A   A   A     Exempt 1
1272261 XXXXXXXXXX XXXXXXXXXX 6151963 386 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Documents Expired   MISSING MOST RECENT YTD PAY STUB OR WVOE FOR PRIMARY BORROWER AND CO BORROWER (INCOME DOC EXPIRED PRIOR TO CLOSING DATE) Doc received     10/XX/2021     A 1 XXXXXXXXXX NC I 1 D   A   A   A   D   A   A   A     Exempt 1
1272264 XXXXXXXXXX XXXXXXXXXX 6113088 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   Missing comparable rent schedule for subject to support $xxxx net income per month. document received     08/XX/2021     A 1 XXXXXXXXXX ME I 1 C   A   A   A   A   A   C   A     Exempt 1
1272264 XXXXXXXXXX XXXXXXXXXX 6142227 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX ME I 1 C   A   A   A   A   A   C   A     Exempt 1
1272278 XXXXXXXXXX XXXXXXXXXX 6142232 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX NJ I 3 C   A   A   A   A   A   C   A     Exempt 1
1272299 XXXXXXXXXX XXXXXXXXXX 6130244 205 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - property address is incorrect.   Hazard insurance showing property street address "xxxx" however Note showing "xxxx". Information Provided     09/XX/2021     A 1 XXXXXXXXXX LA I 1 C   A   C   A   A   A   C   A     Exempt 1
1272301 XXXXXXXXXX XXXXXXXXXX 6153575 340 09/XX/2021 Credit UW Other   UW Other - UW - Insurance Missing (MI or Project)   Condominium Master Insurance Declaration Page missing. Doc received     09/XX/2021     A 1 07/XX/2021 VA I 3 D   B   D   A   A   A   C   B   Exempt 1
1272301 XXXXXXXXXX XXXXXXXXXX 6204482 272 10/XX/2021 Valuation UW Collateral   UW Collateral - UW - Appraisal Other   Loan qualified using PIW.   PIW is acceptable, no additional concerns.       10/XX/2021 B 2 07/XX/2021 VA I 3 D   B   D   A   A   A   C   B   Exempt 1
1272301 XXXXXXXXXX XXXXXXXXXX 6141808 1108 09/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Loan originated with PIW. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 07/XX/2021 VA I 3 D   B   D   A   A   A   C   B   Exempt 1
1272301 XXXXXXXXXX XXXXXXXXXX 6136395 200 09/XX/2021 Credit Hazard Insurance   Hazard Insurance - If Condo, blanket coverage policy is missing   Blanket coverage policy is missing in file Information Provided     09/XX/2021     A 1 07/XX/2021 VA I 3 D   B   D   A   A   A   C   B   Exempt 1
1272315 XXXXXXXXXX XXXXXXXXXX 6113284 1010 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Debt clarification - Provide explanation for ommission of debt from AUS    Evidence supporting the omission of xxxx document received.  Refi xxxx, included in debt calculation. UWM paid off     08/XX/2021     A 1 XXXXXXXXXX NC I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1272321 XXXXXXXXXX XXXXXXXXXX 6113303 443 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Alimony/Child Support income not documented   Provide evidence of $xxxx in child support currently being received and 3 years proof of continuance. document received     08/XX/2021     A 1 XXXXXXXXXX TX I 13 D   A   D   A   C   A   A   A     Temporary QM Safe Harbor 1
1272321 XXXXXXXXXX XXXXXXXXXX 6148627 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "06/XX/2021" or prior signed by the borrowers Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 13 D   A   D   A   C   A   A   A     Temporary QM Safe Harbor 1
1272338 XXXXXXXXXX XXXXXXXXXX 6142248 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX WA I 1 C   A   A   A   A   A   C   A     Exempt 1
1272344 XXXXXXXXXX XXXXXXXXXX 6142250 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX WA I 1 D   A   C   A   D   A   C   A     Exempt 1
1272344 XXXXXXXXXX XXXXXXXXXX 6150097 894 XXXXXXXXXX Compliance Compliance   Compliance - TRID LE- Other   No LE in the file. Information Provided     09/XX/2021     A 1 XXXXXXXXXX WA I 1 D   A   C   A   D   A   C   A     Exempt 1
1272344 XXXXXXXXXX XXXXXXXXXX 6150098 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX WA I 1 D   A   C   A   D   A   C   A     Exempt 1
1272344 XXXXXXXXXX XXXXXXXXXX 6113372 971 XXXXXXXXXX Compliance Compliance   Compliance - CD- Missing CD Signed by borrower   SIGNED CD MISSING FROM FILE. UNABLE TO ENTER INFORMATION ON THE FOLLOWING SCREENS LEGAL, ESCROW (ENTERED BUT NEED TO VERIFY WITH SIGNED CD), FRAUD, AND REGULATORY       08/XX/2021     A 1 XXXXXXXXXX WA I 1 D   A   C   A   D   A   C   A     Exempt 1
1272344 XXXXXXXXXX XXXXXXXXXX 6113373 459 XXXXXXXXXX Compliance Note   Note - is missing - No Image of Note found in file   SIGNED NOTE NOT IN FILE. UNABLE TO ENTER INFORMATION ON THE LEGAL SCREEN OR VERIFY BORROWER NAME ON BORROWER SCREEN.       08/XX/2021     A 1 XXXXXXXXXX WA I 1 D   A   C   A   D   A   C   A     Exempt 1
1272344 XXXXXXXXXX XXXXXXXXXX 6113374 824 XXXXXXXXXX Credit Title Policy   Title Policy - is missing.  Final ALTA title policy required.   TITLE POLICY MISSING FROM FILE       08/XX/2021     A 1 XXXXXXXXXX WA I 1 D   A   C   A   D   A   C   A     Exempt 1
1272344 XXXXXXXXXX XXXXXXXXXX 6136184 9 XXXXXXXXXX Credit Application   Application - is missing   Initial Application is missing Information Provided     09/XX/2021     A 1 XXXXXXXXXX WA I 1 D   A   C   A   D   A   C   A     Exempt 1
1272344 XXXXXXXXXX XXXXXXXXXX 6136185 875 XXXXXXXXXX Compliance Disclosure   Disclosure - Other:   Borrower's Intent to Proceed with Application is required Information Provided     09/XX/2021     A 1 XXXXXXXXXX WA I 1 D   A   C   A   D   A   C   A     Exempt 1
1272347 XXXXXXXXXX XXXXXXXXXX 6113400 90 XXXXXXXXXX Credit Credit Report   Credit Report - is missing   The Credit Report is missing from the Bundle.       08/XX/2021     A 1 XXXXXXXXXX NC I 1 A   A   A   A   A   A   A   A     Exempt 1
1272350 XXXXXXXXXX XXXXXXXXXX 6113421 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event DATE-06/XX/2021       08/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   C   A   C   A   C   A     Exempt 1
1272350 XXXXXXXXXX XXXXXXXXXX 6113422 327 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Satisfactory 12 mth Rental   Missing verification of rental expense for primary residence document received     08/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   C   A   C   A   C   A     Exempt 1
1272350 XXXXXXXXXX XXXXXXXXXX 6142252 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   C   A   C   A   C   A     Exempt 1
1272364 XXXXXXXXXX XXXXXXXXXX 6142258 1108 09/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 04/XX/2021 WA I 1 C   B   A   A   C   B   C   A     Exempt 1
1272364 XXXXXXXXXX XXXXXXXXXX 6113485 970 07/XX/2021 Compliance Compliance   Compliance - CD- Missing   Missing CD issued and received by borrower 3 days prior to consummation. Please provide initial CD.       08/XX/2021     A 1 04/XX/2021 WA I 1 C   B   A   A   C   B   C   A     Exempt 1
1272364 XXXXXXXXXX XXXXXXXXXX 6113486 897 07/XX/2021 Compliance Compliance   Compliance - TRID CD- Other   In PCCD dated 05/XX/2021 fee name showing "Seller Paid Fee" in section H, please provide correct PCCD for the same.       08/XX/2021     A 1 04/XX/2021 WA I 1 C   B   A   A   C   B   C   A     Exempt 1
1272364 XXXXXXXXXX XXXXXXXXXX 6113487 902 07/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           08/XX/2021     A 1 04/XX/2021 WA I 1 C   B   A   A   C   B   C   A     Exempt 1
1272364 XXXXXXXXXX XXXXXXXXXX 6151308 897 09/XX/2021 Compliance Compliance   Compliance - TRID CD- Other   PCCD dated 08/XX/2021 is not disclosed within 60 days of consummation dated 04/XX/2021.   Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade= EV2 Reviewer 10/XX/2021 03:10 PM; Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade= EV2     10/XX/2021 B 2 04/XX/2021 WA I 1 C   B   A   A   C   B   C   A     Exempt 1
1272364 XXXXXXXXXX XXXXXXXXXX 6151309 902 09/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.       Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade= EV2 Reviewer 10/XX/2021 03:10 PM; Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade= EV2     10/XX/2021 B 2 04/XX/2021 WA I 1 C   B   A   A   C   B   C   A     Exempt 1
1272378 XXXXXXXXXX XXXXXXXXXX 6142265 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   A   A   A   A   C   A     Non-QM 1
1272381 XXXXXXXXXX XXXXXXXXXX 6142266 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   A   A   C   A     Non-QM 1
1272381 XXXXXXXXXX XXXXXXXXXX 6113560 335 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Calculation Incorrect   Income not supported per 1008 and final 1003.  Paystubs provided show average hours worked each pay period to be 70 hours.  Using $xx/hour at 35 hour work weeks gives income of $xxxx/month.  Total Liabilities of $xxxx which includes proposed PITIA and tax and insurance on primary home results in DTI 56.34%. document received     08/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   A   A   C   A     Non-QM 1
1272390 XXXXXXXXXX XXXXXXXXXX 6113601 170 XXXXXXXXXX Compliance Final 1003   Final 1003 - is missing.   Final 1003 is missing in file.       08/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   A   A   C   A   A   A     Exempt 1
1272398 XXXXXXXXXX XXXXXXXXXX 6113636 1021 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Provide proof of payment for tax liablity shown on tax return extension   MISSING proof of IRS debt owed in the amount of $xxxx as a result of 2019 tax returns. document received     08/XX/2021     A 1 XXXXXXXXXX MD I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1272430 XXXXXXXXXX XXXXXXXXXX 6113763 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the Borrower's electronically need e-consent form "06/XX/2021" or prior signed by the borrower's.       08/XX/2021     A 1 XXXXXXXXXX NY I 13 C   A   A   A   C   A   A   A     Temporary QM Safe Harbor 1
1272433 XXXXXXXXXX XXXXXXXXXX 6113783 187 XXXXXXXXXX Credit Flood Certificate   Flood Certificate - is missing.   Missing       08/XX/2021     A 1 XXXXXXXXXX NM I 13 A   A   A   A   A   A   A   A     QM Safe Harbor 1
1272433 XXXXXXXXXX XXXXXXXXXX 6150992 901 XXXXXXXXXX Compliance Compliance   Compliance - TRID Other   SSPL is missing in file Information Provided     10/XX/2021     A 1 XXXXXXXXXX NM I 13 A   A   A   A   A   A   A   A     QM Safe Harbor 1
1272433 XXXXXXXXXX XXXXXXXXXX 6150993 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     10/XX/2021     A 1 XXXXXXXXXX NM I 13 A   A   A   A   A   A   A   A     QM Safe Harbor 1
1272447 XXXXXXXXXX XXXXXXXXXX 6142288 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX AZ I 1 A   A   A   A   A   A   A   A     Exempt 1
1276188 XXXXXXXXXX XXXXXXXXXX 6132961 199 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - Hazard insurance coverage is insufficient- Must cover the loan amount or estimated cost new, or policy to state guaranteed replacement cost   Required RCE document to cover the loan amount     Reviewer 06/XX/2021 12:34 PM; outstanding 08/XX/2021     A 1 XXXXXXXXXX PA I 13 D   A   C   A   A   A   D   A     Temporary QM Safe Harbor 1
1276188 XXXXXXXXXX XXXXXXXXXX 6132962 868 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - Other:   Hazard policy number is not legible in Hazard Insurance Policy document     Reviewer 06/XX/2021 12:34 PM; outstanding 08/XX/2021     A 1 XXXXXXXXXX PA I 13 D   A   C   A   A   A   D   A     Temporary QM Safe Harbor 1
1276188 XXXXXXXXXX XXXXXXXXXX 6132963 758 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit - PITIA for other REO incorrect/not included in debt ratio   Provide tax cert for investment property located at xxxx as the mortgage statement does not show taxes are escrowed       06/XX/2021     A 1 XXXXXXXXXX PA I 13 D   A   C   A   A   A   D   A     Temporary QM Safe Harbor 1
1276188 XXXXXXXXXX XXXXXXXXXX 6132964 422 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Legible report/photos required   Appraisal report provided is in black and white and need colored appraisal report document received     08/XX/2021     A 1 XXXXXXXXXX PA I 13 D   A   C   A   A   A   D   A     Temporary QM Safe Harbor 1
1276194 XXXXXXXXXX XXXXXXXXXX 6133018 201 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - is missing.   Policy in package expired.       08/XX/2021     A 1 XXXXXXXXXX OR I 3 C   A   C   A   A   A   A   A     Exempt 1
1276194 XXXXXXXXXX XXXXXXXXXX 6160415 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX OR I 3 C   A   C   A   A   A   A   A     Exempt 1
1276197 XXXXXXXXXX XXXXXXXXXX 6160417 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX WA I 13 D   A   D   A   A   A   A   A     Temporary QM Safe Harbor 1
1276197 XXXXXXXXXX XXXXXXXXXX 6133048 867 XXXXXXXXXX Credit 4506   4506 - Other:   4506C doc, W-2 Transcript required but line 7 not checked by borrower.       07/XX/2021     A 1 XXXXXXXXXX WA I 13 D   A   D   A   A   A   A   A     Temporary QM Safe Harbor 1
1276197 XXXXXXXXXX XXXXXXXXXX 6133051 335 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Calculation Incorrect   Unable to determine how Rental income for properties at xxxx and xxxx were calculated. Per lease agreements in file using 75%, xxxx should be $xxxx and property at xxxx should be -$xxxx. Most recent DU dated 6/xx reflects positive total rental income of $xxxx. document received     08/XX/2021     A 1 XXXXXXXXXX WA I 13 D   A   D   A   A   A   A   A     Temporary QM Safe Harbor 1
1276197 XXXXXXXXXX XXXXXXXXXX 6133052 378 XXXXXXXXXX Credit UW Other   UW Other - UW - Initial/Final 1003 incomplete/missing   Final 1003 reflects intended occupancy Primary residence on 3 of borrowers 4 properties. Borrower does not show to live at any of the properties. primary housing in spouse's name.  Not using rental income on subject property     07/XX/2021     A 1 XXXXXXXXXX WA I 13 D   A   D   A   A   A   A   A     Temporary QM Safe Harbor 1
1276200 XXXXXXXXXX XXXXXXXXXX 6133080 247 XXXXXXXXXX Credit VOE - verbal or FNMA 1005   VOE - verbal or FNMA 1005 - Verbal VOE is NOT dated within 10 days prior to closing date   Verbal VOE is not dated within 10 days prior to closing date. Provided.   Reviewer 08/XX/2021 11:17 AM; VOE employers phone number confirmed through 1003, will not suffice to clear this condition, please provide 3rd party source to clear this deficiency. 08/XX/2021     A 1 XXXXXXXXXX NJ I 1 C   A   B   A   A   A   C   A     Exempt 1
1276200 XXXXXXXXXX XXXXXXXXXX 6133082 271 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Collateral not acceptable/warrantable   Appraisal marked tenant and vacant. document received     08/XX/2021     A 1 XXXXXXXXXX NJ I 1 C   A   B   A   A   A   C   A     Exempt 1
1276200 XXXXXXXXXX XXXXXXXXXX 6160418 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX NJ I 1 C   A   B   A   A   A   C   A     Exempt 1
1276203 XXXXXXXXXX XXXXXXXXXX 6133109 870 XXXXXXXXXX Compliance Appraisal   Appraisal - Other:   County on Appraisal Report is "xxxx" however County on DOT & Title is "xxxx".       08/XX/2021     A 1 XXXXXXXXXX PA I 1 C   A   C   A   C   A   C   A     Exempt 1
1276203 XXXXXXXXXX XXXXXXXXXX 6133110 318 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Source of Large Deposit   Large deposit of $xxxx was made into xxxx Acct#xxxx on 06/xx and deposit of $xxxx on 7/XX/21 in xxxx acct# xxxx. Missing LOE for source of funds. Source of funds for large deposit supported with bank statement.     08/XX/2021     A 1 XXXXXXXXXX PA I 1 C   A   C   A   C   A   C   A     Exempt 1
1276211 XXXXXXXXXX XXXXXXXXXX 6141830 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Loan originated with PIW. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX IL I 3 C   A   A   A   C   A   A   A     Exempt 1
1276211 XXXXXXXXXX XXXXXXXXXX 6149380 392 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Debt Clarification   The AUS is unacceptable. However, the following will reflect total liabilities summary  present housing $xxxx, subject property rental loss $xxxx, all other liabilities $xxxx, and total monthly debt (including alimony $xxxx/mo.) resulting in a DTI of 35.47%. The AUS reflects no subject property rental loss outside of 3% tolerance     Client 10/XX/2021 10:53 AM; AUS /1008 submitted have ratios at 44%, recalculation of DTI by TPO is 35.47, Concur with this calculation of 35.47. the DTI difference is more than 3%, however DTI as submitted was over stated. Borrower qualified at the higher ratio, approve /accept, there would be no impact to approval.&#x0D;


 Reviewer 10/XX/2021 11:39 AM; Condition has been cleared Thank you 		10/XX/2021     A 1 XXXXXXXXXX IL I 3 C   A   A   A   C   A   A   A     Exempt 1
1276211 XXXXXXXXXX XXXXXXXXXX 6149382 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   MISSING AVM REPORT (CU SCORE IS 3.3) cda in file within tolerance     10/XX/2021     A 1 XXXXXXXXXX IL I 3 C   A   A   A   C   A   A   A     Exempt 1
1276214 XXXXXXXXXX XXXXXXXXXX 6160426 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX WA I 1 A   A   A   A   A   A   A   A     Exempt 1
1276231 XXXXXXXXXX XXXXXXXXXX 6160431 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX AZ I 3 C   A   C   A   A   A   C   A     Exempt 1
1276231 XXXXXXXXXX XXXXXXXXXX 6133288 689 XXXXXXXXXX Credit Title Commitment   Title Commitment - Compliance \ Title Commitment - If refinance, title must be vested in our borrower(s), if not suspend for Quit Claim or Warranty Deed.   Title commitment vesting should be in xxxx, copy in file reflects xxxx. Warranty deed in file reflects the conveyance. The warranty deed done at closing was taking the borrower’s vesting out of their business into his personal name. Prelim isn’t going to show in his name.        08/XX/2021     A 1 XXXXXXXXXX AZ I 3 C   A   C   A   A   A   C   A     Exempt 1
1276237 XXXXXXXXXX XXXXXXXXXX 6133316 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.         Reviewer 08/XX/2021 04:11 AM; Outstanding. 08/XX/2021     A 1 XXXXXXXXXX TN I 13 C   A   A   A   C   A   A   A     Temporary QM Safe Harbor 1
1276237 XXXXXXXXXX XXXXXXXXXX 6133317 975 XXXXXXXXXX Compliance Compliance   Compliance - CD- Payee Name missing or incorrect   Payee name is "xxxx" for State Tax/Stamps in Section E in CD dated 06/XX/2021. PCCD is required with corrections.     Reviewer 08/XX/2021 04:11 AM; Outstanding. 08/XX/2021     A 1 XXXXXXXXXX TN I 13 C   A   A   A   C   A   A   A     Temporary QM Safe Harbor 1
1276260 XXXXXXXXXX XXXXXXXXXX 6160441 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX NY I 13 C   A   A   A   A   A   C   A     Temporary QM Safe Harbor 1
1276967 XXXXXXXXXX XXXXXXXXXX 6151096 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "06/XX/2021" or prior signed by the borrowers. Information Provided   Client 10/XX/2021 12:11 PM; Please review uploaded E-Consent to clear this finding.  Thank you.

 Reviewer 10/XX/2021 12:33 PM;

 Reviewer 10/XX/2021 04:17 PM; Hello,  TDocs uploaded will be reviewed within 24 hours from time of upload. Please only escalate if docs have not been reviewed within this time frame. Thank you, xxxx		 10/XX/2021     A 1 XXXXXXXXXX CO I 13 C   A   A   A   C   A   A   A     Exempt 1
1276978 XXXXXXXXXX XXXXXXXXXX 6150076 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   A soft-pull, gap report, or undisclosed debt monitoring service (UDM) was not obtained within 10 calendar days of the note date, as required by the guidelines. The most recent report provided was dated 6/XX/21 and the note date is 8/XX/21. document provided   Reviewer 09/XX/2021 01:55 PM; cannot open images

 Client 10/XX/2021 01:58 PM; Please review the uploaded UDM which runs through closing to clear this condition.  Thank you.

 Reviewer 10/XX/2021 02:07 PM; deficiency cleared 		10/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   A   A   A   A     Exempt 1
1191909 XXXXXXXXXX XXXXXXXXXX 5883964 728 07/XX/2021 Credit UW Credit   UW Credit - UW -  Borrower Income: W-2, SS/Pension, Self Employed, Other   Co-borrowers most recent w2 is missing from the file. documentation provided     09/XX/2021     A 1 04/XX/2021 OH I 3 D   C   D   A   D   A   C   C     Exempt 1
1191909 XXXXXXXXXX XXXXXXXXXX 5883969 728 07/XX/2021 Credit UW Credit   UW Credit - UW -  Borrower Income: W-2, SS/Pension, Self Employed, Other   Borrower's most recent personal and business returns are missing from the file. documentation provided     09/XX/2021     A 1 04/XX/2021 OH I 3 D   C   D   A   D   A   C   C     Exempt 1
1191909 XXXXXXXXXX XXXXXXXXXX 5898082 310 07/XX/2021 Credit AUS   AUS - UW - AUS Findings Missing   copy of AUS is missing from file received   Client 09/XX/2021 12:58 PM; Please review uploaded AUS to clear this finding.  Thank you.

 Reviewer 09/XX/2021 01:27 PM; Good afternoon, Docs uploaded will be reviewed within 24 hours of upload.  No need to escalate unless docs have not been reviewed within this time frame. Thank you! xxxx

 Reviewer 09/XX/2021 02:07 PM; condition cleared		 09/XX/2021     A 1 04/XX/2021 OH I 3 D   C   D   A   D   A   C   C     Exempt 1
1191909 XXXXXXXXXX XXXXXXXXXX 6210525 1109 10/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Third collateral evaluation is required.   Variance out of tolerance.  (Internal condition only - No action required by Correspondent)           10/XX/2021 B 3 04/XX/2021 OH I 3 D   C   D   A   D   A   C   C     Exempt 1
1242577 XXXXXXXXXX XXXXXXXXXX 6001516 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide document used to to show XXXX mortgage was paid in full and replaced with XXXX Mortgage. credit refresh provided evidenced   Client 09/XX/2021 11:15 AM; Credit refresh obtained - xx reporting as #1 showing paid off , new loan with XXXX reporting as #xx &#x0D;
Payment for XXXX 3357 +1233+450+44.08=5084.08  which is lower than prior payment to xx.&#x0D;
Current payment = 3765.13+1233.89+450+44.08=5493.1 based on xx info which is higher than used to qualify.   &#x0D;
Homeowners insurance deck sheet forXXXX in file  $528.91/12=$44.08&#x0D;
 annual premium (shows XXXX as lender) pay coupon in 2nd submission page 2

 Reviewer 09/XX/2021 01:05 PM; deficiency cleared 		09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   A   A     Exempt 1
1242577 XXXXXXXXXX XXXXXXXXXX 6001517 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide documentation of documents used to determine PITIA for borrower primary residence AUS Primary $4935 vs Documentation: $3765 P&I HOA $299, Ins $44 Tx $00..=$5341 diff of $406 higher increased Back ratio from 39.84 to 42.27% 2.43% within AUS tolerances   Client 09/XX/2021 11:16 AM; Credit refresh obtained - xx reporting as #1 showing paid off , new loan with XXXX reporting as #xx Payment for XXXX 3357 +1233+450+44.08=5084.08 which is lower than prior payment to xx. Current payment = 3765.13+1233.89+450+44.08=5493.1 based onXXXX info which is higher than used to qualify. Homeowners insurance deck sheet for XXXX in file $528.91/12=$44.08 annual premium (shows XXXX as lender) pay coupon in 2nd submission page 202, binder

 Reviewer 09/XX/2021 01:38 PM; No documentation received. Provide mortgage statement

 Reviewer 09/XX/2021 01:43 PM; deficiency cleared 		09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   A   A     Exempt 1
1242612 XXXXXXXXXX XXXXXXXXXX 6001713 1010 08/XX/2021 Credit UW Credit   UW Credit - UW - Debt clarification - Provide explanation for ommission of debt from AUS   Missing Closing Disclosure from the refinance of the following properties xxxx and xxxx. new credit update, shows previous primary closed and new primary within tolerances   Client 09/XX/2021 02:55 PM; Final CD uploaded for xxxxStill don't have the final CD for xxxx

 Reviewer 10/XX/2021 06:16 AM; still need additional CD for second property:xxxx

 Reviewer 10/XX/2021 06:16 AM; xxxx still needed

 Client 10/XX/2021 11:52 AM; We are requesting a waiver for the final CD for xxxx based on the following:  A credit refresh was pulled showing the new xxxx loan and a payment of $3,690.  Because the credit refresh cannot verify the taxes and insurance are escrowed, the property taxes were downloaded from the County website and an analysis was performed showing that the hazard insurance payment would have to be $3,700/mo for the DTI to be 45%.  Compensating factors are 438 months ava

 Reviewer 10/XX/2021 02:50 PM; already cleared in Tdocs 		10/XX/2021     A 1 03/XX/2021 IL I 3 C   B   C   A   C   B   C   B   Exempt 1
1242612 XXXXXXXXXX XXXXXXXXXX 5994972 875 08/XX/2021 Compliance Disclosure   Disclosure - Other:   xxxx - Description of Required Documentation is missing           08/XX/2021 B 2 03/XX/2021 IL I 3 C   B   C   A   C   B   C   B   Exempt 1
1242612 XXXXXXXXXX XXXXXXXXXX 5994973 875 08/XX/2021 Compliance Disclosure   Disclosure - Other:   xxxx - Rate-Lock Fee Agreement is missing           08/XX/2021 B 2 03/XX/2021 IL I 3 C   B   C   A   C   B   C   B   Exempt 1
1242612 XXXXXXXXXX XXXXXXXXXX 5993641 1108 08/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Loan originated with PIW. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     B 1 03/XX/2021 IL I 3 C   B   C   A   C   B   C   B   Exempt 1
1242692 XXXXXXXXXX XXXXXXXXXX 5993281 895 XXXXXXXXXX Compliance Compliance   Compliance - TRID CD- Need proof CD was received 3 days prior to consummation   Need proof CD was received 3 days prior to consummation. Information Provided   Reviewer 09/XX/2021 03:37 PM; tracking with manually entered dates is not acceptable evidance of receipt.

 Reviewer 09/XX/2021 11:26 AM; outstanding

 Client 09/XX/2021 11:58 AM; Disclosure tracking sheet is time stamp and system generated not manual dates. uploaded

 Reviewer 09/XX/2021 01:51 PM; Thank you. Docs will be reviewed within 24 hours from upload.

 Reviewer 09/XX/2021 02:04 PM; 		09/XX/2021     A 1 XXXXXXXXXX IL I 3 D   A   D   A   C   A   C   A     Exempt 1
1242692 XXXXXXXXXX XXXXXXXXXX 5993282 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX IL I 3 D   A   D   A   C   A   C   A     Exempt 1
1242692 XXXXXXXXXX XXXXXXXXXX 5993775 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX IL I 3 D   A   D   A   C   A   C   A     Exempt 1
1242692 XXXXXXXXXX XXXXXXXXXX 5985119 877 XXXXXXXXXX Compliance AUS   AUS - Other:   Required for ULDD Data Discrepancy As per early check "A DU comparison could not be performed for the provided Casefile ID (xxxx) because underwriting findings for this loan casefile are incomplete or out-of-date". Please provide most recent DU.       05/XX/2021     A 1 XXXXXXXXXX IL I 3 D   A   D   A   C   A   C   A     Exempt 1
1242692 XXXXXXXXXX XXXXXXXXXX 6078248 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   - Evidence supporting net rental income/loss used for qualifying for all rental property with either most recent 1040 or Lease/s. this is not a titanium loan, therefore transcripts are required. *** documentation provided   Reviewer 09/XX/2021 07:37 AM; Properties: *SUBJECT* XXXX

 Reviewer 09/XX/2021 01:44 PM; 2019 IRS 1040 transcripts required

 Client 09/XX/2021 02:32 PM; File is XXXX review, transcripts not required.

 Reviewer 09/XX/2021 02:26 PM; condition cleared

 Client 09/XX/2021 04:13 PM; reviewed CLDD site and it is showing this is aXXXX review(see shot uploaded).  Als Loan info screen on this site ( client site) has sub channel as xxxx

 Reviewer 09/XX/2021 09:54 AM; condition cleared		 09/XX/2021     A 1 XXXXXXXXXX IL I 3 D   A   D   A   C   A   C   A     Exempt 1
1242692 XXXXXXXXXX XXXXXXXXXX 6078249 439 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing W2s   0 document provided     09/XX/2021     A 1 XXXXXXXXXX IL I 3 D   A   D   A   C   A   C   A     Exempt 1
1242692 XXXXXXXXXX XXXXXXXXXX 6078250 441 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing Business Tax Returns   0 lenders calculation worksheet matching 1040s and AUS     09/XX/2021     A 1 XXXXXXXXXX IL I 3 D   A   D   A   C   A   C   A     Exempt 1
1242692 XXXXXXXXXX XXXXXXXXXX 6078251 1017 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Profit and Loss required   0 P&Ls initially provided for combination of income     09/XX/2021     A 1 XXXXXXXXXX IL I 3 D   A   D   A   C   A   C   A     Exempt 1
1242692 XXXXXXXXXX XXXXXXXXXX 6078252 1018 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Self-Employed verify business   0 document provided     09/XX/2021     A 1 XXXXXXXXXX IL I 3 D   A   D   A   C   A   C   A     Exempt 1
1242692 XXXXXXXXXX XXXXXXXXXX 6078255 1010 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Debt clarification - Provide explanation for ommission of debt from AUS   0 Updated AUS provided.     09/XX/2021     A 1 XXXXXXXXXX IL I 3 D   A   D   A   C   A   C   A     Exempt 1
1242723 XXXXXXXXXX XXXXXXXXXX 5993650 1108 08/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Loan originated with PIW. (Internal condition only - No action required by Correspondent) AVM received and within tolerance     08/XX/2021     B 1 04/XX/2021 CA I 3 C   B   C   A   C   A   C   B   Exempt 1
1242723 XXXXXXXXXX XXXXXXXXXX 5994968 902 08/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 04/XX/2021 CA I 3 C   B   C   A   C   A   C   B   Exempt 1
1242723 XXXXXXXXXX XXXXXXXXXX 5994969 920 08/XX/2021 Compliance Compliance   Compliance - TRID-Missing Final CD   Missing Final CD sign by borrower at consummation date Information Provided     09/XX/2021     A 1 04/XX/2021 CA I 3 C   B   C   A   C   A   C   B   Exempt 1
1242723 XXXXXXXXXX XXXXXXXXXX 6018247 1017 08/XX/2021 Credit UW Income/Employment   UW Income/Employment - UW - Profit and Loss required   January - March 2021 P&L Statement required. P&L thru May received     09/XX/2021     A 1 04/XX/2021 CA I 3 C   B   C   A   C   A   C   B   Exempt 1
1242746 XXXXXXXXXX XXXXXXXXXX 5996067 902 08/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 04/XX/2021 HI I 1 C   B   A   A   C   B   C   A     Exempt 1
1242746 XXXXXXXXXX XXXXXXXXXX 5996068 968 08/XX/2021 Compliance Compliance   Compliance - CD- Fee Charged in Incorrect Section   Need PCCD moving "Title Financing Statement Fee, Title Lender's Title Insurance Fee and Title Signing Notary Fee" to section C as borrower didn't use provider on SSPL. Information Provided     09/XX/2021     A 1 04/XX/2021 HI I 1 C   B   A   A   C   B   C   A     Exempt 1
1242746 XXXXXXXXXX XXXXXXXXXX 5993802 1108 08/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 04/XX/2021 HI I 1 C   B   A   A   C   B   C   A     Exempt 1
1242746 XXXXXXXXXX XXXXXXXXXX 6146513 1062 09/XX/2021 Compliance Compliance   Compliance - CD-Clerical error correction made more than 60 days post consummation       Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2 Reviewer 09/XX/2021 02:07 PM; Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2     09/XX/2021 B 2 04/XX/2021 HI I 1 C   B   A   A   C   B   C   A     Exempt 1
1242749 XXXXXXXXXX XXXXXXXXXX 6014754 898 XXXXXXXXXX Compliance Compliance   Compliance - TRID- Fee Tolerance Violation   Tolerance exceeded by $xxxx due to the increase in title fees, please provide proof of refund, LOX and PCCD reflecting the cure Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   A   A   C   A   C   A     Temporary QM Safe Harbor 1
1242749 XXXXXXXXXX XXXXXXXXXX 5993804 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   A   A   C   A   C   A     Temporary QM Safe Harbor 1
1242749 XXXXXXXXXX XXXXXXXXXX 5994577 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   A   A   C   A   C   A     Temporary QM Safe Harbor 1
1242749 XXXXXXXXXX XXXXXXXXXX 5994578 968 XXXXXXXXXX Compliance Compliance   Compliance - CD- Fee Charged in Incorrect Section   Need PCCD moving "Title Courier Fee, Title Escrow Fee, Title Lender's Title Insurance Fee, Title Recording Service Fee and Title Signing Notary Fee" to section B as borrower did use provider on SSPL Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   A   A   C   A   C   A     Temporary QM Safe Harbor 1
1242752 XXXXXXXXXX XXXXXXXXXX 6036536 440 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete 1040's   NEED ALL SCHEDULES FOR 2019 TAX RETURN Documentation has been provided.       09/XX/2021     A 1 XXXXXXXXXX CA I 13 D   A   D   A   A   A   C   A     Exempt 1
1242752 XXXXXXXXXX XXXXXXXXXX 6036539 379 XXXXXXXXXX Credit UW Other   UW Other - UW - Letter of Explanation   LOE REQUIRED FOR CURRENT ADDRESS VOR provided for borrower current address/residence which agrees with the 1003 address.  Condition has been cleared.       09/XX/2021     A 1 XXXXXXXXXX CA I 13 D   A   D   A   A   A   C   A     Exempt 1
1242752 XXXXXXXXXX XXXXXXXXXX 6036780 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   For XXXX -  we received 1 months of account statements. AUS requires 2 months of statements. Please provide an additional statement. Documentation has been provided.       09/XX/2021     A 1 XXXXXXXXXX CA I 13 D   A   D   A   A   A   C   A     Exempt 1
1242752 XXXXXXXXXX XXXXXXXXXX 6037980 380 XXXXXXXXXX Credit UW Other   UW Other - UW - Lease Agreements   Provide 12 month VOR to verify rental history for XXXX Documentation has been provided.       09/XX/2021     A 1 XXXXXXXXXX CA I 13 D   A   D   A   A   A   C   A     Exempt 1
1242752 XXXXXXXXXX XXXXXXXXXX 6038855 1011 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Calculation Discrepancy rental income   The rental income from the subject property at XXXX was not calculated correctly as the old mortgage payment of $xxxx was used instead of using the new mortgage payment of $xxxx LOX has been provided - condition has been cleared.       09/XX/2021     A 1 XXXXXXXXXX CA I 13 D   A   D   A   A   A   C   A     Exempt 1
1242752 XXXXXXXXXX XXXXXXXXXX 6038876 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   Provide documentation that was used to verify rental income of $xxxx for net rental income of $xxxx/Mo for the property located at XXXX Documentation has been provided.       09/XX/2021     A 1 XXXXXXXXXX CA I 13 D   A   D   A   A   A   C   A     Exempt 1
1242752 XXXXXXXXXX XXXXXXXXXX 5993806 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX CA I 13 D   A   D   A   A   A   C   A     Exempt 1
1242755 XXXXXXXXXX XXXXXXXXXX 6011126 1010 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Debt clarification - Provide explanation for ommission of debt from AUS   Missing Closing Disclosure from the refinance of the primary dwelling evidencing payoff of XXXX - 0000 and XXXX - 9650 as indicated DU condition #14. received   Client 09/XX/2021 07:27 PM; final HUD/settlement statement received and uploaded to evolve/client site

 Reviewer 09/XX/2021 07:23 AM; condition cleared		 09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   A   A     Exempt 1
1242755 XXXXXXXXXX XXXXXXXXXX 6011127 1009 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Debt clarification - Provide explanation regarding the following liability in the file   Missing evidence of the new mortgage lien with XXXX $xxxx/mo $xxxx as indicated DU condition #15. received   Client 09/XX/2021 07:28 PM; Document received to clear condition

 Reviewer 09/XX/2021 07:23 AM; condition cleared		 09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   A   A     Exempt 1
1242763 XXXXXXXXXX XXXXXXXXXX 6011383 318 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Source of Large Deposit   Missing source the following large deposit(s )$xxxx on 4/xx; $xxxx on 3/xx; $xxxx on 02/xx; $xxxx on 02/xx; $xxxx on 02/xx and $xxxx on 1/XX/2021 from xxxx - #xxxx. received   Reviewer 09/XX/2021 10:33 AM; received only documentation for $95165.39 deposit

 Client 09/XX/2021 10:33 AM; xxxx covers the reserve requirements.  109742-3872-7153=98717&#x0D;
Deposit of $3782 on 2/19 coincides with his pay check on the same date and amount.&#x0D;
Deposit of $6845.19 on 2/5 coincides with his pay check on the same date and amount&#x0D;
Unable to remove the $11,700 deposit that was deposited on 4/xx after the "accountchec" validation for LP done.  This deposit shows up on the updated printout in file.&#x0D;
The other deposits show up on a print out/update in file from 3/xx-

 Reviewer 09/XX/2021 01:55 PM; condition has been cleared		 09/XX/2021     A 1 XXXXXXXXXX WA I 1 C   A   C   A   A   A   A   A     Exempt 1
1242763 XXXXXXXXXX XXXXXXXXXX 5997115 204 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - Property address (legal description acceptable) missing   Subject Property Address "xxxx " is missing on  Hazard Insurance Policy. Information Provided   Reviewer 09/XX/2021 11:42 AM; Unable to locate property address on policy provided.  Please provide Hazard Insurance Policy for xxxx 10/XX/2021     A 1 XXXXXXXXXX WA I 1 C   A   C   A   A   A   A   A     Exempt 1
1242798 XXXXXXXXXX XXXXXXXXXX 5993820 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX OK I 3 C   A   A   A   A   A   C   A     Exempt 1
1242818 XXXXXXXXXX XXXXXXXXXX 5996856 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX NC I 13 C   A   A   A   C   A   A   A     Temporary QM Safe Harbor 1
1242818 XXXXXXXXXX XXXXXXXXXX 5996857 920 XXXXXXXXXX Compliance Compliance   Compliance - TRID-Missing Final CD   Missing final CD hand signed by borrower at closing 5/XX/2021. CD in file issued 5/XX/21 is e-signed on 4/XX/21. Information Provided     09/XX/2021     A 1 XXXXXXXXXX NC I 13 C   A   A   A   C   A   A   A     Temporary QM Safe Harbor 1
1242818 XXXXXXXXXX XXXXXXXXXX 5997334 170 XXXXXXXXXX Compliance Final 1003   Final 1003 - is missing.   Final 1003 is missing in file. Information Provided     09/XX/2021     A 1 XXXXXXXXXX NC I 13 C   A   A   A   C   A   A   A     Temporary QM Safe Harbor 1
1242855 XXXXXXXXXX XXXXXXXXXX 5993841 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   C   A   A   A   C   A     Exempt 1
1242855 XXXXXXXXXX XXXXXXXXXX 5985651 9 XXXXXXXXXX Credit Application   Application - is missing   Initial 1003 of Co-Borrower(xxxx) is missing in file.     Reviewer 06/XX/2021 07:50 AM; received for incorrect borrower, condition remains open. 06/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   C   A   A   A   C   A     Exempt 1
1242855 XXXXXXXXXX XXXXXXXXXX 5985652 496 XXXXXXXXXX Valuation Appraisal   Appraisal - Compliance \ Appraisal - If "Subject to Completion"-a Completion Cert (form 442 or 1004D dated March 2005) & original photos is required   Completion Cert (form 442 or 1004D) is missing in file.     Reviewer 06/XX/2021 07:50 AM; outstanding 06/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   C   A   A   A   C   A     Exempt 1
1242901 XXXXXXXXXX XXXXXXXXXX 5985828 902 05/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           06/XX/2021     A 1 04/XX/2021 CA I 3 C   B   C   A   C   B   C   A     Exempt 1
1242901 XXXXXXXXXX XXXXXXXXXX 5985829 975 05/XX/2021 Compliance Compliance   Compliance - CD- Payee Name missing or incorrect   CD dated 04/XX/2021 is showing payee name "TBD" for "Tax Service" in section- B, Please provide correct PCCD for the same.       06/XX/2021     A 1 04/XX/2021 CA I 3 C   B   C   A   C   B   C   A     Exempt 1
1242901 XXXXXXXXXX XXXXXXXXXX 6118022 1062 09/XX/2021 Compliance Compliance   Compliance - CD-Clerical error correction made more than 60 days post consummation       Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2 Reviewer 09/XX/2021 10:30 AM; Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2     09/XX/2021 B 2 04/XX/2021 CA I 3 C   B   C   A   C   B   C   A     Exempt 1
1242901 XXXXXXXXXX XXXXXXXXXX 5993858 1108 08/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 04/XX/2021 CA I 3 C   B   C   A   C   B   C   A     Exempt 1
1242901 XXXXXXXXXX XXXXXXXXXX 5997696 902 08/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 04/XX/2021 CA I 3 C   B   C   A   C   B   C   A     Exempt 1
1242901 XXXXXXXXXX XXXXXXXXXX 5997697 975 08/XX/2021 Compliance Compliance   Compliance - CD- Payee Name missing or incorrect   Payee name is TBD for Tax Service in section-B on CD dated 04/XX/2021. PCCD required with corrections. Information Provided     09/XX/2021     A 1 04/XX/2021 CA I 3 C   B   C   A   C   B   C   A     Exempt 1
1242901 XXXXXXXXXX XXXXXXXXXX 6030096 326 08/XX/2021 Credit UW Credit   UW Credit - UW - Evidence Satisfaction of Debt   Provide fully executed CD settlement statement for new refinance for primary home XXXX verifying mortgage with XXXX, #xxxx was paid off. received     09/XX/2021     A 1 04/XX/2021 CA I 3 C   B   C   A   C   B   C   A     Exempt 1
1242901 XXXXXXXXXX XXXXXXXXXX 6030098 387 08/XX/2021 Credit UW Credit   UW Credit - UW - Taxes and Insurance documentation   Provide copy of Note and First Payment Letter for new refinance for primary home. XXXXX PITI not to exceed $xxxx/mo. CD provided that indicates PITI.  Condition has been cleared.       09/XX/2021     A 1 04/XX/2021 CA I 3 C   B   C   A   C   B   C   A     Exempt 1
1242901 XXXXXXXXXX XXXXXXXXXX 6030104 330 08/XX/2021 Credit UW Credit   UW Credit - UW - Credit Other   Provide updated 1008/1003 matching final AUS (correct subject address, PITI, DTI, etc). Mortgage with XXXX should be reflected as being omitted ** per DU, 1003 Sch of REO- correct mortgage to be linked to property ** documentation provided     09/XX/2021     A 1 04/XX/2021 CA I 3 C   B   C   A   C   B   C   A     Exempt 1
1242901 XXXXXXXXXX XXXXXXXXXX 6030105 389 08/XX/2021 Credit UW Credit   UW Credit - UW - Fraud Alert documentation   Lender to rerun fraud report using correct address for subject property. Fraud report dated 3/XX/2021 reflects Unit #S and subject property  section of report is reflecting Unit XX. Correct Unit is XX. Additonally, upated to reflect XXXX as self-employed. document provided   Client 09/XX/2021 04:21 PM; Fraud address corrected to Unit xx.  Sufficient documentation exists verifying S/E; Tax Returns and Transcripts.&#x0D;


 Reviewer 10/XX/2021 06:38 AM; deficiency cleared 		10/XX/2021     A 1 04/XX/2021 CA I 3 C   B   C   A   C   B   C   A     Exempt 1
1242901 XXXXXXXXXX XXXXXXXXXX 6030108 389 08/XX/2021 Credit UW Credit   UW Credit - UW - Fraud Alert documentation   Provide signed letter of explanation regarding the following self-employed business reporting on fraud report XXXX and XXXX. document provided   Client 09/XX/2021 04:22 PM; Tax Returns provided and Sch E reflects XXXX Inc only.  Tax Transcripts further validate only one bus.  XXXXX uploaded and reflects XXXX as inactive with no association with XXXXX and XXXX reflect prior position as president and not owner, not currently listed as an Executive.&#x0D;


 Reviewer 10/XX/2021 06:39 AM; deficiency cleared 		10/XX/2021     A 1 04/XX/2021 CA I 3 C   B   C   A   C   B   C   A     Exempt 1
1242901 XXXXXXXXXX XXXXXXXXXX 6030111 272 08/XX/2021 Valuation UW Collateral   UW Collateral - UW - Appraisal Other   CDA required due to FNMA CU Risk Score of 5 Documentation has been provided.     09/XX/2021     A 1 04/XX/2021 CA I 3 C   B   C   A   C   B   C   A     Exempt 1
1242901 XXXXXXXXXX XXXXXXXXXX 6030112 418 08/XX/2021 Credit UW Collateral   UW Collateral - UW - Client Condo Warranty Requirements   Provide  clarification regarding total number of units in subject project. Appraisal reflects 16. Master HOA Insurance reflects 8. Condo questionnaire provided listing # of units.  Condition has been cleared.       09/XX/2021     A 1 04/XX/2021 CA I 3 C   B   C   A   C   B   C   A     Exempt 1
1242901 XXXXXXXXXX XXXXXXXXXX 6030113 330 08/XX/2021 Credit UW Credit   UW Credit - UW - Credit Other   Provide clarification regarding subject property address. This is required due to variations noted throughout the loan file XXXX(Note/CD); XXXX (Appraisal/Flood/H06/Master ins); XXXXX (AUS/Fraud). document provided   Client 09/XX/2021 04:18 PM; Updated Appraisal provided with address corrected to Unit XXX

 Reviewer 10/XX/2021 06:34 AM; deficiency cleared 		10/XX/2021     A 1 04/XX/2021 CA I 3 C   B   C   A   C   B   C   A     Exempt 1
1242901 XXXXXXXXXX XXXXXXXXXX 6030114 330 08/XX/2021 Credit UW Credit   UW Credit - UW - Credit Other   AUS to reflect correct property type. AUS dentified subject has garden style condo. Per apparaisal, subject is attached Condo Townhome. Alert noted on AUS. condo garden style   Client 09/XX/2021 04:20 PM; LPA reflects Condo as property type.  Reference to xxxx further means attached Condo and not a mid or high rise Condo.  &#x0D;


 Reviewer 10/XX/2021 06:38 AM; deficiency cleared 		10/XX/2021     A 1 04/XX/2021 CA I 3 C   B   C   A   C   B   C   A     Exempt 1
1242924 XXXXXXXXXX XXXXXXXXXX 5997429 902 08/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 04/XX/2021 CA I 1 C   B   A   A   C   B   C   A     Exempt 1
1242924 XXXXXXXXXX XXXXXXXXXX 5997430 975 08/XX/2021 Compliance Compliance   Compliance - CD- Payee Name missing or incorrect   Payee name is showing "Deed" for City/County Tax/Stamps in Section-E on CD dated 04/XX/2021. PCCD required with corrections. Information Provided     09/XX/2021     A 1 04/XX/2021 CA I 1 C   B   A   A   C   B   C   A     Exempt 1
1242924 XXXXXXXXXX XXXXXXXXXX 5993870 1108 08/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 04/XX/2021 CA I 1 C   B   A   A   C   B   C   A     Exempt 1
1242924 XXXXXXXXXX XXXXXXXXXX 5985981 902 05/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           06/XX/2021     A 1 04/XX/2021 CA I 1 C   B   A   A   C   B   C   A     Exempt 1
1242924 XXXXXXXXXX XXXXXXXXXX 6154568 1062 09/XX/2021 Compliance Compliance   Compliance - CD-Clerical error correction made more than 60 days post consummation       Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2 Reviewer 09/XX/2021 12:19 PM; Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2     09/XX/2021 B 2 04/XX/2021 CA I 1 C   B   A   A   C   B   C   A     Exempt 1
1242958 XXXXXXXXXX XXXXXXXXXX 5993888 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX LA I 1 C   A   A   A   A   A   C   A     Exempt 1
1242984 XXXXXXXXXX XXXXXXXXXX 5993897 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX AZ I 3 C   A   C   A   A   A   C   A     Exempt 1
1242984 XXXXXXXXXX XXXXXXXXXX 5986213 331 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income - AUS Validation   Provide updated AUS correcting base income to $xxxx per month and net positive income from subject property to reflect $xxxx per month income is $6067 for base pay and negative $302 for xxxx xxxx and xxxx is $2175 in income. This equals the monthly income of $7940 supported with documents in file     08/XX/2021     A 1 XXXXXXXXXX AZ I 3 C   A   C   A   A   A   C   A     Exempt 1
1243027 XXXXXXXXXX XXXXXXXXXX 5997476 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX CO I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1243027 XXXXXXXXXX XXXXXXXXXX 5997477 920 XXXXXXXXXX Compliance Compliance   Compliance - TRID-Missing Final CD   Borrower signed at closing (05/XX/2021) CD is missing in file lox provided, actual cd signed @ closing is out of scope   Reviewer 09/XX/2021 07:09 AM; Escalated 09/XX/2021     A 1 XXXXXXXXXX CO I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1243027 XXXXXXXXXX XXXXXXXXXX 6026470 327 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Satisfactory 12 mth Rental   Rental verification from current residence was not in the file. documentation provided at initial review   Client 09/XX/2021 05:03 PM; The lease and payment calculation for borrower's rent is pgs. 405-412 of the bundled images.  The payment on the lease is Japanese Yen and pg. 405 shows the calculation used to convert the Yen to USD.

 Reviewer 09/XX/2021 08:09 AM; condition has been cleared		 09/XX/2021     A 1 XXXXXXXXXX CO I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1243101 XXXXXXXXXX XXXXXXXXXX 6016860 884 08/XX/2021 Compliance Compliance   Compliance - Pending Internal completion of compliance fee tests.  Additional conditions may apply.             10/XX/2021   B 2 05/XX/2021 CA I 13 C   B   A   A   C   B   A   A     Temporary QM Safe Harbor 1
1243101 XXXXXXXXXX XXXXXXXXXX 6016861 898 08/XX/2021 Compliance Compliance   Compliance - TRID- Fee Tolerance Violation   Tolerance exceeded by $xxxx due to the addition of discount points and the increase in appraisal, please provide proof of refund, LOX and PCCD reflecting the cure     Reviewer 09/XX/2021 09:12 AM; Received COC for appraisal, please provide valid reason for this change or provide copy of refund check for $50.00 and LOX.  Condition remains open.   10/XX/2021   B 2 05/XX/2021 CA I 13 C   B   A   A   C   B   A   A     Temporary QM Safe Harbor 1
1243118 XXXXXXXXXX XXXXXXXXXX 6029793 327 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Satisfactory 12 mth Rental   Verification of borrowers current monthly housing payment is missing in file of $xxxx per 1003 Copy of new lease provided.     09/XX/2021     A 1 XXXXXXXXXX ID I 1 C   A   C   A   A   A   A   A     Exempt 1
1243118 XXXXXXXXXX XXXXXXXXXX 6029794 335 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Calculation Incorrect   Rental income for subject property of -$xxxx used to qualify in DU but proof of borrowers current housing rental payment is missing in file. documentation received   Reviewer 09/XX/2021 04:33 PM; DU does not appear to show borrower's primary housing payment of $2195.

 Client 09/XX/2021 02:41 PM; Debt ratio does include the current monthly rent payment of $2195.  &#x0D;
Total revolving installment debt = 968&#x0D;
Rent loss on subject -713.68&#x0D;
Current rent 2195&#x0D;
2195=713.68+968= 3876.68      3876.68/11,115 (income) = 34.87%&#x0D;
DU run #8 in file on page 13 has the same figures/calculations.  

 Reviewer 09/XX/2021 02:44 PM; condition cleared		 09/XX/2021     A 1 XXXXXXXXXX ID I 1 C   A   C   A   A   A   A   A     Exempt 1
1243118 XXXXXXXXXX XXXXXXXXXX 5986737 868 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - Other:   Policy number missing.     Reviewer 06/XX/2021 09:58 AM; please provide policy number 06/XX/2021     A 1 XXXXXXXXXX ID I 1 C   A   C   A   A   A   A   A     Exempt 1
1243127 XXXXXXXXXX XXXXXXXXXX 5986778 199 06/XX/2021 Credit Hazard Insurance   Hazard Insurance - Hazard insurance coverage is insufficient- Must cover the loan amount or estimated cost new, or policy to state guaranteed replacement cost   There is not replacement cost estimate for XXXX The loan amount is $xxxx and HOI dwelling coverage of $xxxx doesn’t cover the loan loan amount       06/XX/2021     A 1 05/XX/2021 TX I 13 C   B   C   A   C   B   A   A     Temporary QM Safe Harbor 1
1243127 XXXXXXXXXX XXXXXXXXXX 6121769 1062 09/XX/2021 Compliance Compliance   Compliance - CD-Clerical error correction made more than 60 days post consummation       Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2 Reviewer 09/XX/2021 08:04 AM; Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2     09/XX/2021 B 2 05/XX/2021 TX I 13 C   B   C   A   C   B   A   A     Temporary QM Safe Harbor 1
1243127 XXXXXXXXXX XXXXXXXXXX 6002292 902 08/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 05/XX/2021 TX I 13 C   B   C   A   C   B   A   A     Temporary QM Safe Harbor 1
1243127 XXXXXXXXXX XXXXXXXXXX 6002293 975 08/XX/2021 Compliance Compliance   Compliance - CD- Payee Name missing or incorrect   Payee name missing for Title-Closing/Escrow fee in section-C in CD dated 05/XX/2021. Please provide correct PCCD for the same. Provided.     09/XX/2021     A 1 05/XX/2021 TX I 13 C   B   C   A   C   B   A   A     Temporary QM Safe Harbor 1
1243127 XXXXXXXXXX XXXXXXXXXX 6041512 434 08/XX/2021 Credit UW Assets   UW Assets - UW - Shorts Funds for Reserves     received   Client 08/XX/2021 07:49 AM; Disagree with Defect.  Bank statements from 4 XXXX Accounts provided at initial review.  2 Personal and 2 Business accounts. Total funds $138,627.95.  No explanation was provided as to why these funds were not accounted for.  AUS findings used $90,657.55.  

 Reviewer 08/XX/2021 08:57 AM; condition has been cleared		 08/XX/2021     A 1 05/XX/2021 TX I 13 C   B   C   A   C   B   A   A     Temporary QM Safe Harbor 1
1243127 XXXXXXXXXX XXXXXXXXXX 6041534 871 08/XX/2021 Compliance VOE - verbal or FNMA 1005   VOE - verbal or FNMA 1005 - Other:   B2 Written VOE missing to verify the accurate breakdown of Bonus income being used to qualify. document provided   Reviewer 09/XX/2021 06:00 AM; Outstanding.

 Client 09/XX/2021 01:38 PM; Hello, please see client response ; Will you accept the year-end paystubs that identifies the yearly bonus figures, tax returns to confirm the earnings, belonging to the CB and the transcripts that validates those figures.  Since 2021 earnings were $70,000 and 2019 was $76,000, only 2021 was used in the calculation, for which we would not have a W2.  I’ve also included a letter from the employer that confirms the 2018 and 2019 earnings, plus a letter stating that the

 Reviewer 09/XX/2021 02:53 PM;

 Reviewer 09/XX/2021 03:07 PM; Hello,&#x0D;
 Credit will address this escalation.  Thank you! 		09/XX/2021     A 1 05/XX/2021 TX I 13 C   B   C   A   C   B   A   A     Temporary QM Safe Harbor 1
1243127 XXXXXXXXXX XXXXXXXXXX 6041535 251 08/XX/2021 Credit W-2 /PayStubs   W-2 /PayStubs  - are missing for co-borrower.   2020 W2 missing year ending paystub provided   Reviewer 09/XX/2021 06:00 AM; Outstanding.

 Client 09/XX/2021 01:38 PM; hello, Please see response below; Will you accept the year-end paystubs that identifies the yearly bonus figures, tax returns to confirm the earnings, belonging to the CB and the transcripts that validates those figures.  Since 2021 earnings were $70,000 and 2019 was $76,000, only 2021 was used in the calculation, for which we would not have a W2.  I’ve also included a letter from the employer that confirms the 2018 and 2019 earnings, plus a letter stating that the 20

 Reviewer 09/XX/2021 02:54 PM;

 Reviewer 09/XX/2021 07:29 AM; escalated for review

 Reviewer 09/XX/2021 02:55 PM; Credit will address this escalation. 		09/XX/2021     A 1 05/XX/2021 TX I 13 C   B   C   A   C   B   A   A     Temporary QM Safe Harbor 1
1243147 XXXXXXXXXX XXXXXXXXXX 6002323 862 XXXXXXXXXX Compliance Deed of Trust/Mortgage   Deed of Trust/Mortgage - Other:   Trust Rider is missing in file. Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   C   A   A   A     Exempt 1
1243147 XXXXXXXXXX XXXXXXXXXX 6002324 868 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - Other:   Hazard Insurance  subject property address is showing as XXXX instead of XXXX Information Provided   Reviewer 09/XX/2021 10:41 AM; Please provide the corrected Hazard policy correcting the house number to reflect xxxx 09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   C   A   A   A     Exempt 1
1243173 XXXXXXXXXX XXXXXXXXXX 6011940 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "04/XX/2021" or prior signed by the borrowers. Information Provided     08/XX/2021     A 1 XXXXXXXXXX CO I 1 C   A   A   A   C   A   A   A     Exempt 1
1243181 XXXXXXXXXX XXXXXXXXXX 6011744 973 08/XX/2021 Compliance Compliance   Compliance - CD- Other   File #  in Closing Information section section missing on page 1 of CD dated 05/XX/2021. Please provide PCCD for same. Information Provided     10/XX/2021     A 1 05/XX/2021 TX I 1 C   B   A   A   C   B   A   A     Exempt 1
1243181 XXXXXXXXXX XXXXXXXXXX 6011745 902 08/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     10/XX/2021     A 1 05/XX/2021 TX I 1 C   B   A   A   C   B   A   A     Exempt 1
1243181 XXXXXXXXXX XXXXXXXXXX 6011746 901 08/XX/2021 Compliance Compliance   Compliance - TRID Other   Initial disclosures were delivered to the borrower electronically need e-consent form "04/XX/2021" or prior signed by the borrowers. Information Provided     09/XX/2021     A 1 05/XX/2021 TX I 1 C   B   A   A   C   B   A   A     Exempt 1
1243181 XXXXXXXXXX XXXXXXXXXX 6174928 1062 10/XX/2021 Compliance Compliance   Compliance - CD-Clerical error correction made more than 60 days post consummation     Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2   Reviewer 10/XX/2021 07:49 AM; Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2     10/XX/2021 B 2 05/XX/2021 TX I 1 C   B   A   A   C   B   A   A     Exempt 1
1243201 XXXXXXXXXX XXXXXXXXXX 5987053 324 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Debt Calculations Incorrect   $xxxx housing expense submitted.  Current residence is subject property per 1003 with no other REO disclosed, no rental calculation submitted for offset of PITIA.   Total Liabilities including Subject property is $xxxx, back ratio is 37.34% more than 3% variance from AUS approved 3%; Documentation provided.       06/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1243201 XXXXXXXXXX XXXXXXXXXX 6002770 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1243204 XXXXXXXXXX XXXXXXXXXX 6003558 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX TN I 1 C   A   C   A   C   A   A   A     Exempt 1
1243204 XXXXXXXXXX XXXXXXXXXX 6003680 895 XXXXXXXXXX Compliance Compliance   Compliance - TRID CD- Need proof CD was received 3 days prior to consummation   Need proof Initial CD(05/XX/2021) was received 3 days prior to consummation(05/XX/2021) Information Provided     09/XX/2021     A 1 XXXXXXXXXX TN I 1 C   A   C   A   C   A   A   A     Exempt 1
1243204 XXXXXXXXXX XXXXXXXXXX 5987066 316 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Liquidation   Submitted assets,XXXX evidence of funds liquidated and received for funds to close, $xxxx, is not provided       06/XX/2021     A 1 XXXXXXXXXX TN I 1 C   A   C   A   C   A   A   A     Exempt 1
1243204 XXXXXXXXXX XXXXXXXXXX 5987067 392 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Debt Clarification   This transaction is for investment and borrower states he is renting per loan application. Need to know what property does this lien belong to; and whether is was included into the DTI XXX--$xxxx       06/XX/2021     A 1 XXXXXXXXXX TN I 1 C   A   C   A   C   A   A   A     Exempt 1
1243210 XXXXXXXXXX XXXXXXXXXX 5994003 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX FL I 1 C   A   A   A   A   A   C   A     Exempt 1
1243230 XXXXXXXXXX XXXXXXXXXX 6006146 902 08/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     08/XX/2021     A 1 05/XX/2021 AZ I 1 C   B   A   A   C   B   A   A     Exempt 1
1243230 XXXXXXXXXX XXXXXXXXXX 6006185 968 08/XX/2021 Compliance Compliance   Compliance - CD- Fee Charged in Incorrect Section   All Title fees moving from section C to section B in Final CD dated 05/XX/2021,however provider name does not match with the provider on the SSPL. Please provide correct PCCD. Information Provided     08/XX/2021     A 1 05/XX/2021 AZ I 1 C   B   A   A   C   B   A   A     Exempt 1
1243230 XXXXXXXXXX XXXXXXXXXX 6046901 1062 08/XX/2021 Compliance Compliance   Compliance - CD-Clerical error correction made more than 60 days post consummation       Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2 Client 08/XX/2021 02:18 PM; assume internal? lender is inquiring? Please advise

 Reviewer 08/XX/2021 03:16 PM;

 Reviewer 08/XX/2021 10:45 AM; Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2

 Reviewer 08/XX/2021 10:46 AM; Hello, Condition has been updated to cleared with exception. Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2 Thank you, XXX		     08/XX/2021 B 2 05/XX/2021 AZ I 1 C   B   A   A   C   B   A   A     Exempt 1
1243276 XXXXXXXXXX XXXXXXXXXX 6033059 335 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Calculation Incorrect   Subject neg rent is $xxxx per Market rent of $xxxx per appraisal. Underwriter used positive subject rent of $xxxx. Unable to determine how this was calculated. documentation provided   Client 10/XX/2021 11:04 AM; See AUS submission 4 shows subject negative cash flow $97.26. The DTI went from 34.29 to 34.77 within 3% tolerance and under 45%.

 Reviewer 10/XX/2021 03:59 PM; deficiency cleared		 10/XX/2021     A 1 XXXXXXXXXX NC I 1 C   A   C   A   A   A   C   A     Exempt 1
1243276 XXXXXXXXXX XXXXXXXXXX 6033083 320 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Other   xxxx account #xxxx was entered in DU as a retirement account but is a checking account. Documentation has been provided.       09/XX/2021     A 1 XXXXXXXXXX NC I 1 C   A   C   A   A   A   C   A     Exempt 1
1243276 XXXXXXXXXX XXXXXXXXXX 6033098 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   Verify if subject is in a PUD, Appraisal is marked NO but Deed has a PUD rider Property profile shows no HOA fee and SFR Detached   Reviewer 09/XX/2021 05:33 PM; Condition deleted in error:  Verify "no" HOA - appraisal shows this as a SFR but we have a PUD rider.  xxxx 9/XX/2021.

 Reviewer 09/XX/2021 05:34 PM; Appraisal report to be corrected to show subject property as a PUD as well as include monthly HOA.  

 Client 10/XX/2021 10:44 AM; Verification there is no HOA fee. Listing provided from compass.com listing verifies there is no HOA fee. Please see page 6 of document section labeled Taxes and HOA information verifies association fee $0.00.

 Reviewer 10/XX/2021 03:52 PM; deficiency cleared		 10/XX/2021     A 1 XXXXXXXXXX NC I 1 C   A   C   A   A   A   C   A     Exempt 1
1243276 XXXXXXXXXX XXXXXXXXXX 6033274 328 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Satisfactory 12 mth Mortgage   Verify PITI of $xxxx and mortgage payment history for property at xxxx Received first payment letter showing 1st payment due 6/XX/21.     10/XX/2021     A 1 XXXXXXXXXX NC I 1 C   A   C   A   A   A   C   A     Exempt 1
1243293 XXXXXXXXXX XXXXXXXXXX 6022955 884 XXXXXXXXXX Compliance Compliance   Compliance - Pending Internal completion of compliance fee tests.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 13 D   A   D   A   C   A   C   A     Temporary QM Safe Harbor 1
1243293 XXXXXXXXXX XXXXXXXXXX 6022956 898 XXXXXXXXXX Compliance Compliance   Compliance - TRID- Fee Tolerance Violation   Tolerance exceeded by $xxxx due to the increase in appraisal, discount points and recording fee, the CD cured $xxxx, still need the remaining $xxxx along with proof of refund, LOX and PCCD reflecting the full cure Information Provided   Client 09/XX/2021 10:42 AM; In the case of the loan points and appraisal, they did not change from the CD issued on 03/25. The recording fee actually decreased from $272 to $195, and while I assumed that was included in the $87.40 mentioned in the condition, it’s not the exact difference. &#x0D;
 &#x0D;
I’ve uploaded a pair of CD’s and a change of circumstance for reference. Any insight as to the cause of these violations is greatly appreciated. &#x0D;


 Reviewer 09/XX/2021 11:42 AM;

 Reviewer 09/XX/2021 03:21 PM; Documents uploaded are not for this file

 Reviewer 09/XX/2021 11:36 AM; Hello,&#x0D;
 Testing is based on the initial LE and final CD testing unless a valid COC is provided to re-set the baseline.  The initial LE reflects discount fee of 2969.00 and final CD 3205.44.  Initial LE reflects appraisal of $500 and final CD 575.00. Lastly, initial LE reflects recording fee of $166 and final CD 195.00. Let me know if you have further questions.  Thank yoU!

 Reviewer 09/XX/2021 10:03 AM; COC provided is not for the subject property. Condition remains open.		 09/XX/2021     A 1 XXXXXXXXXX CA I 13 D   A   D   A   C   A   C   A     Temporary QM Safe Harbor 1
1243293 XXXXXXXXXX XXXXXXXXXX 5994037 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX CA I 13 D   A   D   A   C   A   C   A     Temporary QM Safe Harbor 1
1243293 XXXXXXXXXX XXXXXXXXXX 5987481 437 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete Verbal VOE   Missing VVOE for XXXX from XXXX & XXXX must be within 10 days of Note date 04/XX/2021 not found in loan file.       06/XX/2021     A 1 XXXXXXXXXX CA I 13 D   A   D   A   C   A   C   A     Temporary QM Safe Harbor 1
1243293 XXXXXXXXXX XXXXXXXXXX 5987482 437 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete Verbal VOE   VVOE provided for XXXX Not signed or dated must be within 20 days of Note date 04/XX/2021.       06/XX/2021     A 1 XXXXXXXXXX CA I 13 D   A   D   A   C   A   C   A     Temporary QM Safe Harbor 1
1243353 XXXXXXXXXX XXXXXXXXXX 5987830 913 XXXXXXXXXX Compliance Compliance   Compliance - Pending Completion of ComplianceEase/TRID Monitor Report.  Additional conditions may apply.     Auto-Cleared Compliance Testing Complete     06/XX/2021     A 1 XXXXXXXXXX OR I 3 C   A   C   A   C   A   A   A     Exempt 1
1243353 XXXXXXXXXX XXXXXXXXXX 6032170 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide the final closing disclosure for xxxx account #xxxx for property located at XXXX Documentation has been provided.       09/XX/2021     A 1 XXXXXXXXXX OR I 3 C   A   C   A   C   A   A   A     Exempt 1
1243356 XXXXXXXXXX XXXXXXXXXX 5994059 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX LA I 13 C   A   A   A   A   A   C   A     Temporary QM Safe Harbor 1
1243379 XXXXXXXXXX XXXXXXXXXX 6010861 902 08/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 05/XX/2021 NC I 1 C   B   A   A   C   B   A   A     Exempt 1
1243379 XXXXXXXXXX XXXXXXXXXX 6035565 998 08/XX/2021 Credit UW Other   UW Other - UW - Title Commitment is missing or requires correction.   MISSING AN UPDATED TITLE REPORT TO REFLECT THE CORRECT LOAN AMOUNT $xxxx     Client 09/XX/2021 06:09 PM; The final title policy with the correct loan amount has been provided so an amended title commitment is not required.

 Reviewer 09/XX/2021 07:20 AM; deficiency has been waived 		09/XX/2021     A 1 05/XX/2021 NC I 1 C   B   A   A   C   B   A   A     Exempt 1
1243379 XXXXXXXXXX XXXXXXXXXX 6117482 1062 09/XX/2021 Compliance Compliance   Compliance - CD-Clerical error correction made more than 60 days post consummation       Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2 Reviewer 09/XX/2021 09:28 AM; Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2     09/XX/2021 B 2 05/XX/2021 NC I 1 C   B   A   A   C   B   A   A     Exempt 1
1243410 XXXXXXXXXX XXXXXXXXXX 5988056 327 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Satisfactory 12 mth Rental   Satisfactory 12 month rental payment history with either direct VOR from landlord or 12 months cancelled rent checks for primary residence $xxxx/month missing.       06/XX/2021     A 1 XXXXXXXXXX CO I 1 C   A   C   A   A   A   A   A     Exempt 1
1243410 XXXXXXXXXX XXXXXXXXXX 5988057 397 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Inquiries not properly addressed   Satisfactory, signed LOX addressing all credit inquiries missing.       06/XX/2021     A 1 XXXXXXXXXX CO I 1 C   A   C   A   A   A   A   A     Exempt 1
1243413 XXXXXXXXXX XXXXXXXXXX 5994075 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX MA I 13 C   A   A   A   A   A   C   A     Temporary QM Safe Harbor 1
1243422 XXXXXXXXXX XXXXXXXXXX 5994079 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX NM I 1 C   A   C   A   A   A   C   A     Exempt 1
1243422 XXXXXXXXXX XXXXXXXXXX 6002977 6 XXXXXXXXXX Credit Application   Application - Completed, signed, final application for all applicant not in file   Borrower Signed Final 1003 is missing at Closing Date 6/XX/2021 Information Provided     09/XX/2021     A 1 XXXXXXXXXX NM I 1 C   A   C   A   A   A   C   A     Exempt 1
1243430 XXXXXXXXXX XXXXXXXXXX 5994083 1108 08/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 06/XX/2021 OR I 1 C   B   C   A   C   B   C   A     Exempt 1
1243430 XXXXXXXXXX XXXXXXXXXX 6010964 902 08/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.       Investor exception       09/XX/2021 B 2 06/XX/2021 OR I 1 C   B   C   A   C   B   C   A     Exempt 1
1243430 XXXXXXXXXX XXXXXXXXXX 6010965 968 08/XX/2021 Compliance Compliance   Compliance - CD- Fee Charged in Incorrect Section   Need PCCD moving Title - Signing Notary Fee to section C as borrower didn't use provider on SSPL. Information Provided     09/XX/2021     A 1 06/XX/2021 OR I 1 C   B   C   A   C   B   C   A     Exempt 1
1243430 XXXXXXXXXX XXXXXXXXXX 6010966 986 08/XX/2021 Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the co-borrower XXXX electronically need e-consent from "04/XX/2021" or prior signed by the co-borrower XXXX. Information Provided   Reviewer 09/XX/2021 03:13 PM; E-consent provided is from 5/xx for XXXX.  Need e-consent from 4/xx or earlier 09/XX/2021     A 1 06/XX/2021 OR I 1 C   B   C   A   C   B   C   A     Exempt 1
1243430 XXXXXXXXXX XXXXXXXXXX 5988135 327 06/XX/2021 Credit UW Credit   UW Credit - UW - Satisfactory 12 mth Rental   Missing 12 month primary rental expense for $xxxx per month.       06/XX/2021     A 1 06/XX/2021 OR I 1 C   B   C   A   C   B   C   A     Exempt 1
1243430 XXXXXXXXXX XXXXXXXXXX 6123652 1062 09/XX/2021 Compliance Compliance   Compliance - CD-Clerical error correction made more than 60 days post consummation         Client 09/XX/2021 06:54 AM; Please clear

 Reviewer 09/XX/2021 07:45 AM;

 Reviewer 09/XX/2021 10:30 AM; Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade= EV2

 Reviewer 09/XX/2021 10:31 AM; Hello, &#x0D;
Condition has been cleared with exception. Thanks! 		    09/XX/2021 B 2 06/XX/2021 OR I 1 C   B   C   A   C   B   C   A     Exempt 1
1243450 XXXXXXXXXX XXXXXXXXXX 5993685 1108 08/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Loan originated with PIW. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     B 1 05/XX/2021 CA I 3 C   B   C   A   A   A   C   B   Exempt 1
1243450 XXXXXXXXXX XXXXXXXXXX 6040691 330 08/XX/2021 Credit UW Credit   UW Credit - UW - Credit Other   Provide documentation of HOA Fee amount. received   Client 09/XX/2021 08:58 AM; Documentation provided please review

 Reviewer 09/XX/2021 01:47 PM; condition cleared		 09/XX/2021     A 1 05/XX/2021 CA I 3 C   B   C   A   A   A   C   B   Exempt 1
1243450 XXXXXXXXXX XXXXXXXXXX 6040698 330 08/XX/2021 Credit UW Credit   UW Credit - UW - Credit Other   Discrepancy between the 1003 and documentation provided  Per 1003 XXXX is owned Free and Clear, per Title search a xxxx lien is reported with XXXX dated 03/XX/2015 in the amount of $xxxx supplement provided   Reviewer 09/XX/2021 10:39 AM; Credit report shows lien was paid off 10/16. Provide evidence of funds used to pay lien off.

 Client 09/XX/2021 01:43 PM; This mortgage was paid off 5 years ago. Source of funds should not be required. &#x0D;


 Reviewer 09/XX/2021 07:35 AM; deficiency cleared 		09/XX/2021     A 1 05/XX/2021 CA I 3 C   B   C   A   A   A   C   B   Exempt 1
1243450 XXXXXXXXXX XXXXXXXXXX 6040699 381 08/XX/2021 Credit UW Other   UW Other - UW - Updated Review required   Provide the following documents so that a condo warranty can be completed for the subject property Limited Condo Questionnaire Doc received     09/XX/2021     A 1 05/XX/2021 CA I 3 C   B   C   A   A   A   C   B   Exempt 1
1243450 XXXXXXXXXX XXXXXXXXXX 6040700 374 08/XX/2021 Credit UW Other   UW Other - UW - Evidence of legal residency   CoBorrowers Non-Perm Resident ID front/Back has not been provided document provided     09/XX/2021     A 1 05/XX/2021 CA I 3 C   B   C   A   A   A   C   B   Exempt 1
1243485 XXXXXXXXXX XXXXXXXXXX 6001137 72 XXXXXXXXXX Compliance Closing Package   Closing Package -   Missing the original note and deed required for the CEMA checklist Missing the note and deed for mortgage one originally dated 03/XX/2001 for the amount of $xxxxxx   Client 09/XX/2021 12:50 PM; There would be multiple Notes and Mortgages if this file was a CEMA and need to know which exhibits they seem to be missing.

 Reviewer 09/XX/2021 07:30 AM; Hello,&#x0D;
 Auditor will make follow up comments shortly.  Thank you!

 Reviewer 09/XX/2021 10:33 AM; 		09/XX/2021     A 1 XXXXXXXXXX NY I 3 C   A   C   A   C   A   A   A     Exempt 1
1243485 XXXXXXXXXX XXXXXXXXXX 5988335 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Please provide mortgage statement to include escrows for REO XXXX CD provided,   Client 09/XX/2021 01:01 PM; CD provided verifying taxes and insurance are escrowed.

 Reviewer 09/XX/2021 02:32 PM; condition has been cleared		 09/XX/2021     A 1 XXXXXXXXXX NY I 3 C   A   C   A   C   A   A   A     Exempt 1
1243485 XXXXXXXXXX XXXXXXXXXX 5988336 758 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit - PITIA for other REO incorrect/not included in debt ratio   REO XXXX has a net loss of $xxxx using 2019 tax returns. Net loss is not included in the DTI, which causes the DTI to exceed the guideline maximum       06/XX/2021     A 1 XXXXXXXXXX NY I 3 C   A   C   A   C   A   A   A     Exempt 1
1243485 XXXXXXXXXX XXXXXXXXXX 5988337 758 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit - PITIA for other REO incorrect/not included in debt ratio   REOX XXXX as a net loss of $xxxx using 2019 tax returns. Net loss is not included in DTI, which causes the DTI to exceed the guideline maximum       06/XX/2021     A 1 XXXXXXXXXX NY I 3 C   A   C   A   C   A   A   A     Exempt 1
1243485 XXXXXXXXXX XXXXXXXXXX 5988338 758 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit - PITIA for other REO incorrect/not included in debt ratio   REO  XXXX has a monthly mortgage payment of $xxxx and was not included in DTI or was not included as a net rental loss, which causes the DTI to exceed the guideline maximum       06/XX/2021     A 1 XXXXXXXXXX NY I 3 C   A   C   A   C   A   A   A     Exempt 1
1243513 XXXXXXXXXX XXXXXXXXXX 5993686 1108 08/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Loan originated with PIW. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     B 1 05/XX/2021 WA I 3 C   B   A   A   C   A   C   B   Exempt 1
1243513 XXXXXXXXXX XXXXXXXXXX 6012602 902 08/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 05/XX/2021 WA I 3 C   B   A   A   C   A   C   B   Exempt 1
1243513 XXXXXXXXXX XXXXXXXXXX 6014916 970 08/XX/2021 Compliance Compliance   Compliance - CD- Missing   Borrower Signed at closing CD is missing in file. Information Provided   Reviewer 09/XX/2021 08:54 AM; Closing was on 5/xx, please provide the Final CD signed and dated by the borrower at closing. 09/XX/2021     A 1 05/XX/2021 WA I 3 C   B   A   A   C   A   C   B   Exempt 1
1243522 XXXXXXXXXX XXXXXXXXXX 6011741 1058 XXXXXXXXXX Compliance Compliance   Compliance - Need Evidence of Borrower Intent to Proceed   Borrower's Intent to Proceed with Application is missing in file. Information Provided   Reviewer 08/XX/2021 12:40 PM; outstanding 09/XX/2021     A 1 XXXXXXXXXX IN I 1 C   A   C   A   C   A   A   A     Exempt 1
1243522 XXXXXXXXXX XXXXXXXXXX 6011743 185 XXXXXXXXXX Credit Flood Certificate   Flood Certificate - Flood insurance is required - Flood policy missing   Flood insurance policy is missing for subject property. Information Provided     09/XX/2021     A 1 XXXXXXXXXX IN I 1 C   A   C   A   C   A   A   A     Exempt 1
1243533 XXXXXXXXXX XXXXXXXXXX 6011721 1058 XXXXXXXXXX Compliance Compliance   Compliance - Need Evidence of Borrower Intent to Proceed   Borrower's Intent to Proceed with Application is missing in file. Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   C   A   C   A     Exempt 1
1243533 XXXXXXXXXX XXXXXXXXXX 5994130 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   C   A   C   A     Exempt 1
1243533 XXXXXXXXXX XXXXXXXXXX 6039674 771 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Inquiry Letter in file addressing all inquiries within the last 90 days   xxxxx-3/XX/2021 inquiry was not addressed     Reviewer 08/XX/2021 11:11 AM; Outstanding.

 Client 09/XX/2021 05:55 PM; This document was located in Undisclosed Debt Disclosure that was in the original file.

 Reviewer 09/XX/2021 07:18 AM;

 Reviewer 09/XX/2021 10:38 AM; Hello, &#x0D;
Our credit team will address.  Thanks! 		09/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   C   A   C   A     Exempt 1
1243536 XXXXXXXXXX XXXXXXXXXX 5994132 1108 08/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 06/XX/2021 ID I 13 C   B   C   A   C   B   C   A     Temporary QM Safe Harbor 1
1243536 XXXXXXXXXX XXXXXXXXXX 6012843 901 08/XX/2021 Compliance Compliance   Compliance - TRID Other   SSPL Doc is missing in file. Information Provided     09/XX/2021     A 1 06/XX/2021 ID I 13 C   B   C   A   C   B   C   A     Temporary QM Safe Harbor 1
1243536 XXXXXXXXXX XXXXXXXXXX 5988536 330 06/XX/2021 Credit UW Credit   UW Credit - UW - Credit Other   Provide copy of the note and the final closing disclosure for the new xxxx loan ending xxxx for borrowers primary residence located at xxxx       06/XX/2021     A 1 06/XX/2021 ID I 13 C   B   C   A   C   B   C   A     Temporary QM Safe Harbor 1
1243536 XXXXXXXXXX XXXXXXXXXX 5988538 877 06/XX/2021 Compliance AUS   AUS - Other:   Required for ULDD Data Discrepancy Property type in DU is mentioned as "Detached" mismatched with Appraisal Report "Attached".       06/XX/2021     A 1 06/XX/2021 ID I 13 C   B   C   A   C   B   C   A     Temporary QM Safe Harbor 1
1243536 XXXXXXXXXX XXXXXXXXXX 6117858 973 09/XX/2021 Compliance Compliance   Compliance - CD- Other   Post CD 60 days after consummation   Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade= EV2 Reviewer 09/XX/2021 10:24 AM; Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade= EV2     09/XX/2021 B 2 06/XX/2021 ID I 13 C   B   C   A   C   B   C   A     Temporary QM Safe Harbor 1
1243619 XXXXXXXXXX XXXXXXXXXX 6046534 330 08/XX/2021 Credit UW Credit   UW Credit - UW - Credit Other   Business bank statements from xxxx were not in the file to perform self-employment income analysis per COVID guidelines.   Strong employment history, 18 years as a self-employed xxxx 2020 YE P&L and 2021 YTD P&L support qualifying income. Low LTV 64%. Months Reserves 108 Client 10/XX/2021 11:36 AM; WG  - Business bank statements from xxxx were not in the file. Please review with the following compensating factors. Strong employment history, 18 years as a self-employed xxx. 2020 YE P&amp;L and 2021 YTD P&amp;L support qualifying income. Low LTV 64%. Months Reserves 108

 Client 10/XX/2021 11:39 AM; Sorry for duplicate - WG- Business bank statements from xxxx were not in the file. Please review with the following compensating factors. Strong employment history, 18 years as a self-employed xxxx. 2020 YE P&amp;L and 2021 YTD P&amp;L support qualifying income. Low LTV 64%. Months Reserves 108. Respectfully request waive.

 Reviewer 10/XX/2021 03:26 PM; duplicate request

 Reviewer 10/XX/2021 03:28 PM; exception noted 		    10/XX/2021 B 2 06/XX/2021 WA I 1 C   B   C   B   A   A   A   A     Exempt 1
1243622 XXXXXXXXXX XXXXXXXXXX 6051557 327 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Satisfactory 12 mth Rental   12 month VOR to verify rental history for xxxx was not provided for current residence at xxxxxx received     09/XX/2021     A 1 XXXXXXXXXX NY I 3 C   A   C   A   C   A   C   A     Exempt 1
1243622 XXXXXXXXXX XXXXXXXXXX 5988872 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "03/XX/2021" or prior signed by the borrower.       07/XX/2021     A 1 XXXXXXXXXX NY I 3 C   A   C   A   C   A   C   A     Exempt 1
1243622 XXXXXXXXXX XXXXXXXXXX 5988874 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           07/XX/2021     A 1 XXXXXXXXXX NY I 3 C   A   C   A   C   A   C   A     Exempt 1
1243622 XXXXXXXXXX XXXXXXXXXX 5988875 970 XXXXXXXXXX Compliance Compliance   Compliance - CD- Missing   Missing CD issued and received by borrower 3 days prior to consummation. Please provide initial CD.     Reviewer 07/XX/2021 09:38 AM; Tdoc 6/xx CD provided was not signed and dated by the borrowers. Please provide proof of borrower receipt of the 6/xx CD. 07/XX/2021     A 1 XXXXXXXXXX NY I 3 C   A   C   A   C   A   C   A     Exempt 1
1243622 XXXXXXXXXX XXXXXXXXXX 5988876 355 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW - Incorrect Product Registration   Loan currently rate/term refinance, the max cash back is 2% or $2,000 whichever is the lessor.  CD shows pay off xxxx  $xxxx and past due taxes of $xxxx these pay offs are not permitted on rate term refinances. Received and reviewed loan restructured as cash out refinance.  Updated AUS, 1008, 1003 has been provided.   Client 09/XX/2021 09:49 AM; Please advise if this condition is cleared.  The Action Comments state the documents were received.

 Reviewer 09/XX/2021 11:26 AM; condition cleared		 09/XX/2021     A 1 XXXXXXXXXX NY I 3 C   A   C   A   C   A   C   A     Exempt 1
1243622 XXXXXXXXXX XXXXXXXXXX 5994167 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX NY I 3 C   A   C   A   C   A   C   A     Exempt 1
1243662 XXXXXXXXXX XXXXXXXXXX 5993694 1108 08/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Loan originated with PIW. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     B 1 06/XX/2021 CO I 3 C   B   C   A   A   A   C   B   Exempt 1
1243662 XXXXXXXXXX XXXXXXXXXX 6042124 336 08/XX/2021 Credit UW Income/Employment   UW Income/Employment - UW - Income Other   Lease agreement for property at xxxxxx to support rent income of $xxxx per month missing in file Doc received     09/XX/2021     A 1 06/XX/2021 CO I 3 C   B   C   A   A   A   C   B   Exempt 1
1243662 XXXXXXXXXX XXXXXXXXXX 6042132 1015 08/XX/2021 Credit UW Income/Employment   UW Income/Employment - UW - IRS Transcripts required   Tax transcripts for rental income missing in file. Tax return for 2020 and 2019 in file and used to qualify Doc received     09/XX/2021     A 1 06/XX/2021 CO I 3 C   B   C   A   A   A   C   B   Exempt 1
1243679 XXXXXXXXXX XXXXXXXXXX 5994189 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX MA I 1 C   A   A   A   C   A   C   A     Exempt 1
1243679 XXXXXXXXXX XXXXXXXXXX 6012677 895 XXXXXXXXXX Compliance Compliance   Compliance - TRID CD- Need proof CD was received 3 days prior to consummation   Need proof CD(06/XX/2021) was received 3 days prior to consummation(06/XX/2021). Information Provided   Reviewer 08/XX/2021 11:11 AM; Outstanding. 09/XX/2021     A 1 XXXXXXXXXX MA I 1 C   A   A   A   C   A   C   A     Exempt 1
1243679 XXXXXXXXXX XXXXXXXXXX 6012678 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX MA I 1 C   A   A   A   C   A   C   A     Exempt 1
1243679 XXXXXXXXXX XXXXXXXXXX 6012679 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "04/XX/2021" or prior signed by the borrower. Information Provided   Reviewer 08/XX/2021 11:11 AM; Outstanding. 09/XX/2021     A 1 XXXXXXXXXX MA I 1 C   A   A   A   C   A   C   A     Exempt 1
1243688 XXXXXXXXXX XXXXXXXXXX 5994192 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   A   A   C   A     Exempt 1
1243705 XXXXXXXXXX XXXXXXXXXX 5994202 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX MA I 3 C   A   C   A   A   A   C   A     Exempt 1
1243705 XXXXXXXXXX XXXXXXXXXX 6053065 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   There is no evidence in file regarding pending refinance of xxxxx Doc received   Client 10/XX/2021 09:24 AM; CE 9/XX/2021:  Uploaded CD (Document name:  TDOC_CD xxxx_xxxx.pdf) and note from refinance on 6/XX/2021 (See document name:  TDOC_Note xxxx_xxxx.pdf)

 Reviewer 10/XX/2021 03:43 PM; conditon cleared		 10/XX/2021     A 1 XXXXXXXXXX MA I 3 C   A   C   A   A   A   C   A     Exempt 1
1243705 XXXXXXXXXX XXXXXXXXXX 6053066 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   There is no lease or tax returns in file for rental income at xxxx documentation provided   Reviewer 09/XX/2021 06:16 PM; Borrower statement provided for xxxx saying that spouse resides at that property with no expenses however need either lease agreement or tax returns to verify rental income for xxxx.  

 Client 10/XX/2021 09:25 AM; CE 9/XX/2021:  2019 IRS 1040 transcript present shows rental income in Sch E  (Document name:  Income-4506T (form 4506) Executed Transcripts_202106211915_062059.pdf; see pages 8-9).  xxxx purchased 7/XX/17 (see uploaded document titled:  TDOC Purchase dates both rental properties) and is part of the Sch E rental on transcripts.  Appraisal (Document name:  Appraisal-Condominium_202106211915_062100.pdf) inidicates tenant occupied (see page 2).  Appriasal form

 Reviewer 10/XX/2021 10:11 AM; DTI is out of tolerance. Rental income required

 Reviewer 10/XX/2021 03:46 PM; condition cleared		 10/XX/2021     A 1 XXXXXXXXXX MA I 3 C   A   C   A   A   A   C   A     Exempt 1
1243705 XXXXXXXXXX XXXXXXXXXX 6053068 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   There is no lease or tax returns in file for rental income at xxxx documentation provided   Client 10/XX/2021 09:26 AM; CE 9/XX/2021:  2019 IRS 1040 transcript present shows rental income in Sch E (Document name:  Income-4506T (form 4506) Executed Transcripts_202106211915_062059.pdf; see pages 8-9).  xxxx purchased 8/XX/2018 (see uploaded document titled:  TDOC Purchase dates both rental properties) and is part of the Sch E rental on transcripts.  Appraisal uploaded (Document name:  TDOC Appraisal xxxx.pdf) indicates tenant occupied (see page 3) with 1007 indicating monthly re

 Reviewer 10/XX/2021 03:46 PM; condition cleared		 10/XX/2021     A 1 XXXXXXXXXX MA I 3 C   A   C   A   A   A   C   A     Exempt 1
1243725 XXXXXXXXXX XXXXXXXXXX 5994214 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX CO I 3 D   A   D   A   A   A   C   A     Exempt 1
1243725 XXXXXXXXXX XXXXXXXXXX 6048679 758 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit - PITIA for other REO incorrect/not included in debt ratio   Please provide the PITI for the following properties (xxxx) documentation provided   Reviewer 09/XX/2021 05:35 PM; Documentation provided for xxxx, verify that these properties are one in the same or verify taxes and insurance for xxxx as well as verify property as F &amp; C.   09/XX/2021     A 1 XXXXXXXXXX CO I 3 D   A   D   A   A   A   C   A     Exempt 1
1243725 XXXXXXXXXX XXXXXXXXXX 6048680 438 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing pay stub   Please provide W2 and paystubs from xxxx for xxxx  Please provide W2 and paystubs from xxxx for xxxx documentation provided     09/XX/2021     A 1 XXXXXXXXXX CO I 3 D   A   D   A   A   A   C   A     Exempt 1
1243725 XXXXXXXXXX XXXXXXXXXX 6048682 328 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Satisfactory 12 mth Mortgage   Please provide 12 month mortgage history for the following (xxx 01, xxxx 26, xxxx 33, xxxx 15, 03, 02, 83, ) received     09/XX/2021     A 1 XXXXXXXXXX CO I 3 D   A   D   A   A   A   C   A     Exempt 1
1243728 XXXXXXXXXX XXXXXXXXXX 6024704 898 08/XX/2021 Compliance Compliance   Compliance - TRID- Fee Tolerance Violation   Zero tolerance violation of $xxxx due to increase in appraisal fee.  COC provided is not valid as it does not give a specific reason for the increase. Invoice is not an acceptable reason.  Please provide proof of refund, LOX to borrower and a PCCD reflecting cure.  All must be provided within 60 days of closing Information Provided   Client 09/XX/2021 05:40 AM; COC and PCCD uploaded.

 Reviewer 09/XX/2021 07:24 AM;

 Reviewer 09/XX/2021 10:57 AM; Docs will be reviewing within 24 hours from upload.  Thank yoU!

 Reviewer 09/XX/2021 06:22 AM; COC provided does not offer an explanation other than "due to invoice" for appraisal fee increase.  This explanation is insufficient.  Condition remains.

 Client 09/XX/2021 09:08 AM; Please review

 Reviewer 09/XX/2021 10:35 AM;

 Reviewer 09/XX/2021 10:35 AM; Hello,&#x0D;
 The COC reason given is not valid for an increase in the appraisal fee.  A refund to the borrower is required.  &#x0D;
Thanks!

 Client 09/XX/2021 06:20 AM; Email uploaded. Please review, thanks

 Reviewer 09/XX/2021 07:51 AM;

 Reviewer 09/XX/2021 10:14 AM; Hello, &#x0D;
Conditions have been updated.  Thank you! 		09/XX/2021     A 1 04/XX/2021 CA I 13 C   B   C   A   C   B   A   A     Temporary QM Safe Harbor 1
1243728 XXXXXXXXXX XXXXXXXXXX 6024705 902 08/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 04/XX/2021 CA I 13 C   B   C   A   C   B   A   A     Temporary QM Safe Harbor 1
1243728 XXXXXXXXXX XXXXXXXXXX 6024706 1062 08/XX/2021 Compliance Compliance   Compliance - CD-Clerical error correction made more than 60 days post consummation         Reviewer 09/XX/2021 10:14 AM; Per SFA scope, remediation for good faith fee tolerance violation made more than 60 days post con-summation but within 60 days of discovery by TPR firm, then RA final grade = EV2     09/XX/2021 B 2 04/XX/2021 CA I 13 C   B   C   A   C   B   A   A     Temporary QM Safe Harbor 1
1243728 XXXXXXXXXX XXXXXXXXXX 6017522 902 08/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 04/XX/2021 CA I 13 C   B   C   A   C   B   A   A     Temporary QM Safe Harbor 1
1243728 XXXXXXXXXX XXXXXXXXXX 5989359 897 06/XX/2021 Compliance Compliance   Compliance - TRID CD- Other   Incorrect Loan Purpose type given as "Home Equity Loan" instead of "Refinance" on 1st Page of CD Dated 04/XX/2021, Please provide PCCD with correct Loan Purpose       07/XX/2021     A 1 04/XX/2021 CA I 13 C   B   C   A   C   B   A   A     Temporary QM Safe Harbor 1
1243728 XXXXXXXXXX XXXXXXXXXX 5989360 902 06/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           07/XX/2021     A 1 04/XX/2021 CA I 13 C   B   C   A   C   B   A   A     Temporary QM Safe Harbor 1
1243728 XXXXXXXXXX XXXXXXXXXX 5989361 868 06/XX/2021 Credit Hazard Insurance   Hazard Insurance - Other:   Hazard insurance reflecting insufficient dwelling amount       07/XX/2021     A 1 04/XX/2021 CA I 13 C   B   C   A   C   B   A   A     Temporary QM Safe Harbor 1
1243728 XXXXXXXXXX XXXXXXXXXX 5989362 697 06/XX/2021 Credit VOE - verbal or FNMA 1005   VOE - verbal or FNMA 1005 - Compliance \ VOE - verbal or FNMA 1005 - Self Employed Borrower or Coborrower   Self employed VOE is missing for the xxxx       07/XX/2021     A 1 04/XX/2021 CA I 13 C   B   C   A   C   B   A   A     Temporary QM Safe Harbor 1
1243728 XXXXXXXXXX XXXXXXXXXX 5989363 384 06/XX/2021 Credit UW Income/Employment   UW Income/Employment - UW - Self-Employment status required   Self employed VOE is missing for the xxxx       07/XX/2021     A 1 04/XX/2021 CA I 13 C   B   C   A   C   B   A   A     Temporary QM Safe Harbor 1
1243731 XXXXXXXXXX XXXXXXXXXX 5993697 1108 08/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Loan originated with PIW. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     B 1 05/XX/2021 WA I 3 C   B   A   A   C   A   C   B   Exempt 1
1243731 XXXXXXXXXX XXXXXXXXXX 6017219 902 08/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 05/XX/2021 WA I 3 C   B   A   A   C   A   C   B   Exempt 1
1243754 XXXXXXXXXX XXXXXXXXXX 6017421 902 08/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     10/XX/2021     A 1 06/XX/2021 CA I 3 C   B   B   A   C   B   C   A     Exempt 1
1243754 XXXXXXXXXX XXXXXXXXXX 6017431 986 08/XX/2021 Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrowers electronically need e-consent form "05/XX/2021" or prior signed by the borrowers. Information Provided     09/XX/2021     A 1 06/XX/2021 CA I 3 C   B   B   A   C   B   C   A     Exempt 1
1243754 XXXXXXXXXX XXXXXXXXXX 6011720 967 08/XX/2021 Credit Compliance   Compliance - CD- Dated incorrectly (Issue Date, Closing Date, Disbursement Date)   Funding date 06/XX/2021 is prior to the Consummation date 06/XX/2021, on CD dated 06/XX/2021. PCCD is required reflecting correct funding date Information Provided     10/XX/2021     A 1 06/XX/2021 CA I 3 C   B   B   A   C   B   C   A     Exempt 1
1243754 XXXXXXXXXX XXXXXXXXXX 5994230 1108 08/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 06/XX/2021 CA I 3 C   B   B   A   C   B   C   A     Exempt 1
1243762 XXXXXXXXXX XXXXXXXXXX 5994236 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX NJ I 1 C   A   C   A   A   A   C   A     Exempt 1
1243762 XXXXXXXXXX XXXXXXXXXX 5989507 326 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Evidence Satisfaction of Debt   Please provide closing disclosure for property located at xxxx Per loan application property was pending sale; but it seems property was not sold. There is no mortgage on this property. Taxes and insurance total $145.04--No impact to the DTI.   Client 09/XX/2021 05:20 PM; Please verify if this condition is cleared.  

 Reviewer 09/XX/2021 07:00 AM; deficiency cleared 		09/XX/2021     A 1 XXXXXXXXXX NJ I 1 C   A   C   A   A   A   C   A     Exempt 1
1243768 XXXXXXXXXX XXXXXXXXXX 5994241 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX WA I 1 D   A   D   A   C   A   C   A     Exempt 1
1243768 XXXXXXXXXX XXXXXXXXXX 6014354 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "04/XX/2021" or prior signed by the borrowers. Information Provided     09/XX/2021     A 1 XXXXXXXXXX WA I 1 D   A   D   A   C   A   C   A     Exempt 1
1243768 XXXXXXXXXX XXXXXXXXXX 6042662 441 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing Business Tax Returns   Missing 3 months Business Bank Statements for xxxx received     09/XX/2021     A 1 XXXXXXXXXX WA I 1 D   A   D   A   C   A   C   A     Exempt 1
1243771 XXXXXXXXXX XXXXXXXXXX 6043331 265 XXXXXXXXXX Credit UW Collateral   UW Collateral - UW - FNMA 1007 / FNMA 216   MISSING THE COMPARABLE RENT SCHEDULE TO SUPPORT CURRENT MARKET RENT OF $xxxx alternate document provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 D   A   D   A   A   A   A   A     Exempt 1
1243771 XXXXXXXXXX XXXXXXXXXX 6043501 393 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Missing undisclosed properties   MISSING DOCUMENTATION TO VERIFY IF BORROWER STILL OWNS THE FOLLOWING PROPERTIES REPORTED ON RECENT TAX RETURNS  xxxx & xxxx  (IF BORROWER STILL OWNS THE RENTAL PROPERTIES, PROVIDE RECENT MORTGAGE STATEMENT, TAX BILL, INSURANCE, AND HOA DUES IF APPLICABLE Documentation has been provided.     Reviewer 09/XX/2021 04:37 PM; Per lox both borrower and ex are cojoined owners of xxxx, need to verify mortgage as tax returns support mortgage interest being paid.  Provide property profile reports for all properties. 09/XX/2021     A 1 XXXXXXXXXX TX I 1 D   A   D   A   A   A   A   A     Exempt 1
1243791 XXXXXXXXXX XXXXXXXXXX 6012745 897 XXXXXXXXXX Compliance Compliance   Compliance - TRID CD- Other   Need payment history reflecting the principle reduction amount $xxxx Information Provided   Client 09/XX/2021 12:29 PM; Uploaded please review, thanks

 Reviewer 09/XX/2021 01:19 PM; Docs will be reviewed within 24 hours from upload.  Thanks!

 Reviewer 09/XX/2021 04:02 PM; 		09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   C   A   A   A     Exempt 1
1243794 XXXXXXXXXX XXXXXXXXXX 6014584 891 XXXXXXXXXX Compliance Compliance   Compliance - TRID LE-  Initial LE not disclosed within 3 days of Application   Initial LE date (06/XX/2021) is not within three business days of the loan application date (05/XX/2021). Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   C   A   A   A     Exempt 1
1243794 XXXXXXXXXX XXXXXXXXXX 6014589 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   C   A   A   A     Exempt 1
1243794 XXXXXXXXXX XXXXXXXXXX 6014591 901 XXXXXXXXXX Compliance Compliance   Compliance - TRID Other   Initial disclosures were delivered to the borrower electronically need e-consent form "05/XX/2021" or prior signed by the borrowers. Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   C   A   A   A     Exempt 1
1243860 XXXXXXXXXX XXXXXXXXXX 6051658 338 XXXXXXXXXX Credit UW Other   UW Other - UW - Contract approval incomplete/not current   Please provide purchase agreement received     09/XX/2021     A 1 XXXXXXXXXX NJ I 1 C   A   C   A   C   A   A   A     Exempt 1
1243860 XXXXXXXXXX XXXXXXXXXX 6002827 666 XXXXXXXXXX Compliance Sales Contract   Sales Contract - Compliance \ Sales Contract missing     Information Provided     09/XX/2021     A 1 XXXXXXXXXX NJ I 1 C   A   C   A   C   A   A   A     Exempt 1
1243860 XXXXXXXXXX XXXXXXXXXX 5989836 913 XXXXXXXXXX Compliance Compliance   Compliance - Pending Completion of ComplianceEase/TRID Monitor Report.  Additional conditions may apply.     Auto-Cleared Compliance Testing Complete     07/XX/2021     A 1 XXXXXXXXXX NJ I 1 C   A   C   A   C   A   A   A     Exempt 1
1243934 XXXXXXXXXX XXXXXXXXXX 5994319 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   A   A   A   A   C   A     Temporary QM Safe Harbor 1
1243954 XXXXXXXXXX XXXXXXXXXX 5994329 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   A   A   C   A     Exempt 1
1243954 XXXXXXXXXX XXXXXXXXXX 6051839 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   AUS update is required. The following items within the AUS do not match the loan terms as approved by the underwriter.  Please update AUS & resubmit with the following values. (Property type-- Attached) not required subject is detached   Client 09/XX/2021 05:44 PM; Subject property is a 4 unit attached to each other and not attached to other unrelated real estate.  1 bldg Detached is acceptable. Please see Appraisal.&#x0D;


 Reviewer 10/XX/2021 06:57 AM; deficiency cleared 		10/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   A   A   C   A     Exempt 1
1243954 XXXXXXXXXX XXXXXXXXXX 5990192 758 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit - PITIA for other REO incorrect/not included in debt ratio   Missing Tax and Insurance documentation for property located at xxxx document provided   Reviewer 09/XX/2021 11:53 AM; Tax bill from xxxx does not have an address

 Client 09/XX/2021 05:58 PM;  Parcel #xxxx does match up to xxxx.  See upload from Redfin Identifying property address with Parcel # as reflected on Tax Bill.&#x0D;


 Reviewer 10/XX/2021 07:03 AM; deficiency cleared 		10/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   A   A   C   A     Exempt 1
1243954 XXXXXXXXXX XXXXXXXXXX 5990193 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   Missing Evidence of rental income documentation for property located at xxxx 2020 schedule E   Client 09/XX/2021 02:53 PM; Rental income taken from 2020 Schedule E, only rented out 1 month, as borrowers were living there and just moved to xxxx property as noted on the 1008

 Reviewer 09/XX/2021 03:12 PM; codition cleared

 Client 09/XX/2021 11:18 AM; Condition has not been cleared as noted

 Reviewer 09/XX/2021 11:53 AM; condition outstandinh

 Client 09/XX/2021 06:17 PM; Appears Exception was cleared subject to verification of Taxes on xxxx, which has been uploaded.  Prior Notes: Client 09/XX/2021 02:53 PM; Rental income taken from 2020 Schedule E, only rented out 1 month, as borrowers were living there and just moved to xxxx property as noted on the 1008&#x0D;
&#x0D;
 Reviewer 09/XX/2021 03:12 PM; codition cleared&#x0D;
&#x0D;
 Client 09/XX/2021 11:18

 Client 09/XX/2021 06:17 PM; Appears Exception was cleared subject to verification of Taxes on xxxx, which has been uploaded.  Prior Notes: Client 09/XX/2021 02:53 PM; Rental income taken from 2020 Schedule E, only rented out 1 month, as borrowers were living there and just moved to xxxx property as noted on the 1008&#x0D;
&#x0D;
 Reviewer 09/XX/2021 03:12 PM; codition cleared&#x0D;
&#x0D;
 Client 09/XX/2021 11:18

 Reviewer 10/XX/2021 07:06 AM; deficiency cleared

 Reviewer 10/XX/2021 07:06 AM; duplicate request 		10/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   A   A   C   A     Exempt 1
1243957 XXXXXXXXXX XXXXXXXXXX 5994330 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX AL I 1 C   A   C   A   A   A   C   A     Exempt 1
1243957 XXXXXXXXXX XXXXXXXXXX 6056094 351 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW - DTI exceeds maximum limit   DTI for loan = 20.26%/53.66%.  (Increase is due to client excluding xxxx Mortgage payment from ratios) Documentation has been provided showing son making the payments - 12 month payment history provided.  Condition has been cleared.       09/XX/2021     A 1 XXXXXXXXXX AL I 1 C   A   C   A   A   A   C   A     Exempt 1
1243991 XXXXXXXXXX XXXXXXXXXX 6023659 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrowers electronically need e-consent form "05/XX/2021" or prior signed by the borrowers. Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   C   A   A   A     Exempt 1
1244006 XXXXXXXXXX XXXXXXXXXX 6057871 434 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Shorts Funds for Reserves   File is short reserves iao $ xxxx Funds required to be verified 2 months worth- $xxxx closing and $xxxx reserves – total funds required to be verified $xxxx. Following asset statements provided xxxx # xxxx 03/XX/2021 & 04/XX/2021 ending balance xxxx  CD from c/o from primary iao xxxx document provided   Client 10/XX/2021 02:51 PM; Requesting deficiency be waived. Per Action comments: Received CD shows transfer of funds to close on loan $xxxx, sufficient for closing. Compensating factors: LTV is low (57%) and  borrower strong credit and 6 + months of reserves.

 Reviewer 10/XX/2021 05:01 PM; deficiency cleared 		10/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   A   A     Exempt 1
1244006 XXXXXXXXXX XXXXXXXXXX 5990338 758 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit - PITIA for other REO incorrect/not included in debt ratio   Documentation to verify PITIA for property xxxx. Primary Residence. Loan qualified with xxxx mortgage $xxxxx on 1003. Copy of mortgage statement is required or supporting documentation (CD, first payment letter) to verify PITIA and that xxxx #xxxx was paid off. Risk Manager shows refinance note date 6/XX/2021 and subject property closed 6/XX/2021. Additional conditions may apply. Received CD First payment letter $2574.88 slightly higher but within tolerance   Client 10/XX/2021 02:52 PM; Requesting deficiency be waived. Per action comment: Received CD First payment letter $2574.88 slightly higher but within tolerance.

 Reviewer 10/XX/2021 05:01 PM; deficiency cleared 		10/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   A   A     Exempt 1
1244006 XXXXXXXXXX XXXXXXXXXX 5990339 320 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Other   Copy of the final Closing Disclosure from refinance of xxxx property is required. Funds being used to close on refinance of xxxx property. Loan was qualified with equity $xxxx. Received only printout of the estimated closing. Additional conditions may apply. Received CD shows transfer of funds to close on loan $43,395.75, sufficient for closing.   Client 10/XX/2021 02:45 PM; Requesting deficiency be waived. Per Action comments: Received CD shows transfer of funds to close on loan $43,395.75, sufficient for closing.

 Reviewer 10/XX/2021 05:00 PM; deficiency cleared 		10/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   A   A     Exempt 1
1244014 XXXXXXXXXX XXXXXXXXXX 6054387 388 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Evidence of Contingent Liability   Missing the Note and Closing Disclosure evidencing the new terms of the mortgages on the following properties xxxx; xxxx and xxxx. AUS shows the liabilities were omitted and the fraud report indicates new mortgage liens with a Note Date of 06/XX/2021. Received   Client 09/XX/2021 04:32 PM; CD and Notes uploaded to file showing new terms for the property located on xxxx and xxxx  Could not locate documents for xxxx

 Reviewer 09/XX/2021 07:54 AM; CD and Notes uploaded to file showing new terms for the property located on xxxx and xxxx Could not locate documents for xxxx

 Reviewer 09/XX/2021 07:55 AM; deficiency has been updated

 Client 10/XX/2021 07:37 PM; Updated credit refresh pulled, xxxx new mortgage loan reporting on #xx. Opened in 6/xx this would be the new loan for the xxxx

 Reviewer 10/XX/2021 12:03 PM; cleared in tdocs 		10/XX/2021     A 1 XXXXXXXXXX IL I 3 C   A   C   A   A   A   A   A     Exempt 1
1244057 XXXXXXXXXX XXXXXXXXXX 5994371 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   C   A     Exempt 1
1244057 XXXXXXXXXX XXXXXXXXXX 5990631 387 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Taxes and Insurance documentation   Provide Tax cert for xxxx Property detail report already in package previously submitted for xxxx.   Client 09/XX/2021 03:04 PM; Disagree- TitlePro 247-R/E Taxes : $10,031/$859.92, Refinance 2-18-21, Closing disclosure- 2nd half r/e taxes: $5,105.39*2= $10,210.78

 Reviewer 09/XX/2021 09:52 AM; condition clered		 09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   C   A     Exempt 1
1244057 XXXXXXXXXX XXXXXXXXXX 5990632 379 XXXXXXXXXX Credit UW Other   UW Other - UW - Letter of Explanation   Provide signed & dated acceptable explanation for xxxx as to why it is not on the 2020 Schedule E Property detail report shows property was purchased by borrowers 12/XX/2019; credit report supports this new mortgage opened 12/2019.   Client 09/XX/2021 03:08 PM; Disagree- Purchased on 11-22-19, no 2020 personal tax returns uploaded in file.

 Reviewer 09/XX/2021 09:52 AM; condition cleared		 09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   C   A     Exempt 1
1244057 XXXXXXXXXX XXXXXXXXXX 5990633 380 XXXXXXXXXX Credit UW Other   UW Other - UW - Lease Agreements   Provide signed & dated lease for xxxx Lease for xxxx were already in the loan file signed/dated.   Client 09/XX/2021 03:09 PM; Disagree- Refinance xxxx  on 5-xx-21  Lease rate: $2,200 per month &amp; $2,250 per month in file. Lease located with in the leaseholds tab/or xxxx (xxxx) clsd 3  page 87-98

 Reviewer 09/XX/2021 09:52 AM; condition cleared		 09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   C   A     Exempt 1
1258252 XXXXXXXXXX XXXXXXXXXX 6053563 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CO I 1 C   A   C   A   A   A   C   A     Exempt 1
1258252 XXXXXXXXXX XXXXXXXXXX 6065849 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   There is no evidence in file for xxxx mortgage xxxx securing xxxx received   Client 09/XX/2021 02:07 PM; File contains a copy of the estimated CD for the purchase of the property at xxxx (page 9 of the indexed Closing Disclosures). MERS section of the internal fraud report reflects mortgage secured by this property originated by xxxx; note date of 5/xx and loan amount of $303,750. No payment history would be available. Credit refresh pulled and added to trailing docs - reflects payment of $1622, which supports payment of $1938 used to qualify.

 Client 09/XX/2021 02:49 PM; Uploaded Zillow and Redfin listing for xxxx - Zillow reflects HOA and taxes. Redfin reflects estimated taxes and HOI. If add the monthly amounts to the $1622 on the credit refresh, impact to the DTI is minimal - increases to 43.86% from 42.12%. Respectfully request waive or downgrade finding based on information verified and sufficient evidence of credit quality/no negative impact to DTI or borrower's ability to pay.

 Reviewer 09/XX/2021 03:32 PM; condition cleared

 Reviewer 09/XX/2021 03:34 PM; condition waived		 09/XX/2021     A 1 XXXXXXXXXX CO I 1 C   A   C   A   A   A   C   A     Exempt 1
1258269 XXXXXXXXXX XXXXXXXXXX 6050206 868 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - Other:   The Hazard Insurance Policy number is not listed on the document.     Reviewer 07/XX/2021 03:02 PM; still need 08/XX/2021     A 1 XXXXXXXXXX TX I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1258269 XXXXXXXXXX XXXXXXXXXX 6050207 953 XXXXXXXXXX Compliance Client   Client - Seasoned loan. Updated Pay History will be required prior to purchase in order to clear this condition.           08/XX/2021     A 1 XXXXXXXXXX TX I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1258269 XXXXXXXXXX XXXXXXXXXX 6057662 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrowers electronically need e-consent from "03/XX/2021" or prior signed by the borrowers. Information Provided     10/XX/2021     A 1 XXXXXXXXXX TX I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1258272 XXXXXXXXXX XXXXXXXXXX 6050226 953 XXXXXXXXXX Compliance Client   Client - Seasoned loan. Updated Pay History will be required prior to purchase in order to clear this condition.           08/XX/2021     A 1 XXXXXXXXXX NY I 1 A   A   A   A   A   A   A   A     Exempt 1
1258272 XXXXXXXXXX XXXXXXXXXX 6066096 441 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing Business Tax Returns   Missing 2018 corporate and personal tax returns for all entities documentation provided   Client 09/XX/2021 05:34 PM; 2019 tax returns are in file for all business. Per DU findings one year of returns are required.  

 Reviewer 09/XX/2021 09:55 AM; condition cleared		 09/XX/2021     A 1 XXXXXXXXXX NY I 1 A   A   A   A   A   A   A   A     Exempt 1
1258272 XXXXXXXXXX XXXXXXXXXX 6066097 1017 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Profit and Loss required   All P&Ls are unsigned received     09/XX/2021     A 1 XXXXXXXXXX NY I 1 A   A   A   A   A   A   A   A     Exempt 1
1258272 XXXXXXXXXX XXXXXXXXXX 6066098 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   The full credit report is not in the file received   Client 09/XX/2021 05:36 PM; Requesting this condition be waived. Credit report from xxxx dated 4/XX/2021 shows 2 of 2 pages.  An inquiry page was provided explaining recent inquiries on CR.

 Reviewer 09/XX/2021 09:57 AM; conditions cleared		 09/XX/2021     A 1 XXXXXXXXXX NY I 1 A   A   A   A   A   A   A   A     Exempt 1
1258278 XXXXXXXXXX XXXXXXXXXX 6050268 953 XXXXXXXXXX Compliance Client   Client - Seasoned loan. Updated Pay History will be required prior to purchase in order to clear this condition.           08/XX/2021     A 1 XXXXXXXXXX MA I 3 C   A   A   A   C   A   A   A     Exempt 1
1258278 XXXXXXXXXX XXXXXXXXXX 6050270 877 XXXXXXXXXX Compliance AUS   AUS - Other:   Required for ULDD Data Discrepancy 1008 missing project classification needed for data delivery purposes. Please provide 1008 with Project Classification for CONDO type.     Reviewer 07/XX/2021 01:39 AM; Required for ULDD Data Delivery: Updated 1008 is not received. 08/XX/2021     A 1 XXXXXXXXXX MA I 3 C   A   A   A   C   A   A   A     Exempt 1
1258309 XXXXXXXXXX XXXXXXXXXX 6053576 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   A   A   C   A     Exempt 1
1258321 XXXXXXXXXX XXXXXXXXXX 6053580 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX AZ I 13 C   A   A   A   A   A   C   A     Temporary QM Safe Harbor 1
1258335 XXXXXXXXXX XXXXXXXXXX 6056455 901 XXXXXXXXXX Compliance Compliance   Compliance - TRID Other   SSPL Dated(05/XX/2021) not disclosed within 3 days of loan Application(04/XX/2021). Need SSPL within 3 days of Loan Application.       09/XX/2021     A 1 XXXXXXXXXX AZ I 13 A   A   A   A   A   A   A   A     Temporary QM Safe Harbor 1
1258335 XXXXXXXXXX XXXXXXXXXX 6056456 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           09/XX/2021     A 1 XXXXXXXXXX AZ I 13 A   A   A   A   A   A   A   A     Temporary QM Safe Harbor 1
1258378 XXXXXXXXXX XXXXXXXXXX 6057780 875 XXXXXXXXXX Compliance Disclosure   Disclosure - Other:   Need evidence of delivery of Home Loan Toolkit within 3 days of initial Application Information Provided     09/XX/2021     A 1 XXXXXXXXXX CO I 1 A   A   A   A   A   A   A   A     Exempt 1
1258395 XXXXXXXXXX XXXXXXXXXX 6059771 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX AZ I 1 A   A   A   A   A   A   A   A     Exempt 1
1258395 XXXXXXXXXX XXXXXXXXXX 6059772 970 XXXXXXXXXX Compliance Compliance   Compliance - CD- Missing   Missing CD issued and received by borrower 3 days prior to consummation. Please provide initial CD. Information Provided   Reviewer 09/XX/2021 09:05 AM; Initial CD was not present in the document package provided.  Condition remains.

 Reviewer 09/XX/2021 10:50 AM; Please provide evidence the borrower received the 06/28 CD three days prior to consummation. 		09/XX/2021     A 1 XXXXXXXXXX AZ I 1 A   A   A   A   A   A   A   A     Exempt 1
1258418 XXXXXXXXXX XXXXXXXXXX 6056273 895 XXXXXXXXXX Compliance Compliance   Compliance - TRID CD- Need proof CD was received 3 days prior to consummation     Information Provided     09/XX/2021     A 1 XXXXXXXXXX WI I 3 C   A   A   A   A   A   C   A     Exempt 1
1258418 XXXXXXXXXX XXXXXXXXXX 6056274 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX WI I 3 C   A   A   A   A   A   C   A     Exempt 1
1258418 XXXXXXXXXX XXXXXXXXXX 6053604 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX WI I 3 C   A   A   A   A   A   C   A     Exempt 1
1258438 XXXXXXXXXX XXXXXXXXXX 6050863 840 XXXXXXXXXX Compliance Disclosure   Disclosure - HPML- need evidence of rate lock date with borrower   Required for ULDD edit Per file documents rate lock date is 06/XX/2021. This rate lock date does not match the rate lock date on UCD.  We are unable to view this information on the UCD in file, Please provide documentation as to what the rate lock date is that was used on the FNMA UCD (per ULDD edit The Current Rate Set Date in UCD must equal the Price Lock Date) OR please provide updated UCD with 06/XX/2021 rate lock date if this is correct, because there are now 2 dates in the file you will have to advise which one is correct, if you correct the UCD.       08/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   C   A   C   A     Temporary QM Safe Harbor 1
1258438 XXXXXXXXXX XXXXXXXXXX 6056442 9 XXXXXXXXXX Credit Application   Application - is missing   Initial Application is missing in file. Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   C   A   C   A     Temporary QM Safe Harbor 1
1258438 XXXXXXXXXX XXXXXXXXXX 6056443 891 XXXXXXXXXX Compliance Compliance   Compliance - TRID LE-  Initial LE not disclosed within 3 days of Application   No LE is in file. Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   C   A   C   A     Temporary QM Safe Harbor 1
1258438 XXXXXXXXXX XXXXXXXXXX 6056444 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided   Reviewer 09/XX/2021 06:33 AM; Escalated 09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   C   A   C   A     Temporary QM Safe Harbor 1
1258438 XXXXXXXXXX XXXXXXXXXX 6066232 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   The lien on the primary residence with xxxx # xxxx was not included in the ratios and no documentation has been provided supporting the exclusion of the debt. CD provided showing xxxx #xxxx was paid off from refinance of primary home.       09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   C   A   C   A     Temporary QM Safe Harbor 1
1258438 XXXXXXXXXX XXXXXXXXXX 6066247 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) CDA obtained.     09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   C   A   C   A     Temporary QM Safe Harbor 1
1258438 XXXXXXXXXX XXXXXXXXXX 6066257 1068 XXXXXXXXXX Credit UW Other   UW Other - Fraud Alert was not addressed   No documentation is in file showing the high/medium alerts on the fraud report were reviewed and addressed. Documentation has been provided.     Reviewer 09/XX/2021 03:46 PM; High and medium alerts listed on the fraud report needs to be reviewed and addressed. 09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   C   A   C   A     Temporary QM Safe Harbor 1
1258438 XXXXXXXXXX XXXXXXXXXX 6057604 879 XXXXXXXXXX Compliance Application   Application - Other:   Borrower's Intent to Proceed with Application is missing Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   C   A   C   A     Temporary QM Safe Harbor 1
1258447 XXXXXXXXXX XXXXXXXXXX 6057124 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrowers electronically need e-consent form "02/XX/2021" or prior signed by the borrowers. Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 A   A   A   A   A   A   A   A     Exempt 1
1258447 XXXXXXXXXX XXXXXXXXXX 6050909 953 XXXXXXXXXX Compliance Client   Client - Seasoned loan. Updated Pay History will be required prior to purchase in order to clear this condition.           08/XX/2021     A 1 XXXXXXXXXX CA I 3 A   A   A   A   A   A   A   A     Exempt 1
1258501 XXXXXXXXXX XXXXXXXXXX 6060420 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "06/XX/2021" or prior signed by the borrower. Information Provided   Client 09/XX/2021 10:22 AM; Please review evidence of E-consent uploaded for this loan to clear this finding.  Thank you.

 Reviewer 09/XX/2021 12:42 PM; Hello,&#x0D;
 Docs will be reviewed shortly.  Thank you!

 Reviewer 09/XX/2021 12:51 PM; E consent provided is dated 07/xx however the earliest dated E-signature in file was signed on 06/xx. Please provide evidence the borrower consented on or prior to 06/xx.

 Reviewer 09/XX/2021 01:57 PM;

 Client 09/XX/2021 02:09 PM; Please review screenshot of Econsent uploaded today to clear this finding.  Thank you.

 Reviewer 09/XX/2021 07:38 AM; Hello,&#x0D;
 Docs will be reviewed within 24 hours from upload.  Thanks!

 Reviewer 09/XX/2021 10:36 AM; 		09/XX/2021     A 1 XXXXXXXXXX CA I 1 A   A   A   A   A   A   A   A     Exempt 1
1270938 XXXXXXXXXX XXXXXXXXXX 6118039 185 XXXXXXXXXX Credit Flood Certificate   Flood Certificate - Flood insurance is required - Flood policy missing   The flood insurance policy in the file is for a different property the bor owns. Please upload the flood insurance for the subject property. Thank you. Doc in file is for subject property.  xxxxxxxxx_Flood Certificates_xxxxxxx_xxxxxx.pdf     09/XX/2021     A 1 XXXXXXXXXX NJ I 13 C   A   C   A   N/A A   C   A     Temporary QM Safe Harbor 1
1270938 XXXXXXXXXX XXXXXXXXXX 6141856 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX NJ I 13 C   A   C   A   N/A A   C   A     Temporary QM Safe Harbor 1
1270938 XXXXXXXXXX XXXXXXXXXX 6128087 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   UW Collateral TPR UW - Second collateral evaluation is required. COMMENT No CU Score provided or available. (Internal condition only - No action required by Correspondent) CDA received and within tolerance     09/XX/2021     A 1 XXXXXXXXXX NJ I 13 C   A   C   A   N/A A   C   A     Temporary QM Safe Harbor 1
1270961 XXXXXXXXXX XXXXXXXXXX 6121485 170 XXXXXXXXXX Compliance Final 1003   Final 1003 - is missing.   Final 1003 is missing. Information Provided     10/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   A   A   C   A   C   A     Exempt 1
1270961 XXXXXXXXXX XXXXXXXXXX 6122937 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only-No action required by the Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   A   A   C   A   C   A     Exempt 1
1270972 XXXXXXXXXX XXXXXXXXXX 6141869 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX NC I 1 C   A   A   A   A   A   C   A     Exempt 1
1270989 XXXXXXXXXX XXXXXXXXXX 6141875 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 D   A   D   A   A   A   A   A     Exempt 1
1270989 XXXXXXXXXX XXXXXXXXXX 6128278 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   UW Collateral TPR UW - Second collateral evaluation is required. COMMENT No CU Score provided or available. (Internal condition only - No action required by Correspondent) Received     09/XX/2021     A 1 XXXXXXXXXX CA I 3 D   A   D   A   A   A   A   A     Exempt 1
1271001 XXXXXXXXXX XXXXXXXXXX 6141879 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX FL I 1 C   A   C   A   A   A   C   A     Exempt 1
1271001 XXXXXXXXXX XXXXXXXXXX 6107163 346 XXXXXXXXXX Credit UW Other   UW Other - UW - Complete Purchase Agreement   Purchase agreement reflects purchase price of $xxxx and AUS reflects purchase price of $xxxx document received     08/XX/2021     A 1 XXXXXXXXXX FL I 1 C   A   C   A   A   A   C   A     Exempt 1
1271001 XXXXXXXXXX XXXXXXXXXX 6107165 392 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Debt Clarification   Please submit documentation verifying the amount of rent paid at the borrowers primary residence. Conflicting amounts were reflected on the loan application. Is it $xxxx a month or #xxxx a month.       08/XX/2021     A 1 XXXXXXXXXX FL I 1 C   A   C   A   A   A   C   A     Exempt 1
1271012 XXXXXXXXXX XXXXXXXXXX 6130104 902 09/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.             10/XX/2021   B 2 07/XX/2021 CA I 13 C   B   A   A   C   B   A   A     Temporary QM Safe Harbor 1
1271012 XXXXXXXXXX XXXXXXXXXX 6138105 898 09/XX/2021 Compliance Compliance   Compliance - TRID- Fee Tolerance Violation   0% tolerance violation for increase in wire fee. Fee was not charged in the initial LE and no valid COC.   A refund in the amount of $50.00 along with Post CD, lox to borrower and copy of refund check required within 60 days from consummation     Reviewer 10/XX/2021 07:41 AM; Escalated for review.   10/XX/2021   B 2 07/XX/2021 CA I 13 C   B   A   A   C   B   A   A     Temporary QM Safe Harbor 1
1271012 XXXXXXXXXX XXXXXXXXXX 6182828 1062 10/XX/2021 Compliance Compliance   Compliance - CD-Clerical error correction made more than 60 days post consummation     Per SFA scope, remediation for good faith fee tolerance violation made more than 60 days post con-summation but within 60 days of discovery by TPR firm, then RA final grade = EV2   Reviewer 10/XX/2021 12:11 PM; Per SFA scope, remediation for good faith fee tolerance violation made more than 60 days post con-summation but within 60 days of discovery by TPR firm, then RA final grade = EV2     10/XX/2021 B 2 07/XX/2021 CA I 13 C   B   A   A   C   B   A   A     Temporary QM Safe Harbor 1
1271018 XXXXXXXXXX XXXXXXXXXX 6107262 206 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - year premium not in force at least 60 days post funding.   proof of insurance provided expired 05/XX/2021       07/XX/2021     A 1 XXXXXXXXXX FL I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1271018 XXXXXXXXXX XXXXXXXXXX 6107263 199 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - Hazard insurance coverage is insufficient- Must cover the loan amount or estimated cost new, or policy to state guaranteed replacement cost   policy coverage not sufficient to cover loan amount     Reviewer 07/XX/2021 11:29 AM; still need as coverage shows as only $xxxxxx but loan amt is $xxxxxx and cost new = $xxxxxx

 Reviewer 07/XX/2021 12:34 AM; policy shows RCE is less than dwelling coverage and loan amount		 08/XX/2021     A 1 XXXXXXXXXX FL I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1271021 XXXXXXXXXX XXXXXXXXXX 6107292 1043 XXXXXXXXXX Compliance Compliance   Compliance - Compliance HPML - Need Lender's indication of whether loan is HPML or not. (lender's compliance report, or system screenshot displaying HPML results)   HPML test results not provided.       07/XX/2021     A 1 XXXXXXXXXX WA I 13 C   A   A   A   C   A   C   A     Temporary QM Safe Harbor 1
1271021 XXXXXXXXXX XXXXXXXXXX 6141887 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX WA I 13 C   A   A   A   C   A   C   A     Temporary QM Safe Harbor 1
1271032 XXXXXXXXXX XXXXXXXXXX 6141891 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX NY I 1 C   A   A   A   C   A   A   A     Exempt 1
1271032 XXXXXXXXXX XXXXXXXXXX 6107358 901 XXXXXXXXXX Compliance Compliance   Compliance - TRID Other   Lock Document showing the date rate was locked with borrower missing from the file.       06/XX/2021     A 1 XXXXXXXXXX NY I 1 C   A   A   A   C   A   A   A     Exempt 1
1271035 XXXXXXXXXX XXXXXXXXXX 6107381 1015 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - IRS Transcripts required   Provide 2019 Tax Transcripts tax returns received, letter from CPA explaining 2019 filing issues.   Reviewer 07/XX/2021 03:11 PM; missing 2019 personal tax returns. If paper tax return was filed copy must be stamped and signed by IRS. 07/XX/2021     A 1 XXXXXXXXXX NY I 3 C   A   C   A   A   A   C   A     Exempt 1
1271035 XXXXXXXXXX XXXXXXXXXX 6107383 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   Provide fully executed rental lease agreement for property located at xxxx to show monthly rent of $6425 Information Provided   Reviewer 07/XX/2021 01:47 PM; Lease in file for: Apt #1 $2,100   Apt#3= $2,275.Provide additional lease or correct monthly rental income. 09/XX/2021     A 1 XXXXXXXXXX NY I 3 C   A   C   A   A   A   C   A     Exempt 1
1271035 XXXXXXXXXX XXXXXXXXXX 6107384 328 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Satisfactory 12 mth Mortgage   Provide most recent 12 months verification of mortgage from xxxx for the subject property Mortgage in name of LLC     09/XX/2021     A 1 XXXXXXXXXX NY I 3 C   A   C   A   A   A   C   A     Exempt 1
1271035 XXXXXXXXXX XXXXXXXXXX 6126237 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX NY I 3 C   A   C   A   A   A   C   A     Exempt 1
1271038 XXXXXXXXXX XXXXXXXXXX 6107400 867 XXXXXXXXXX Credit 4506   4506 - Other:   In 4506C, line 8 must be completed       06/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1271038 XXXXXXXXXX XXXXXXXXXX 6107401 1017 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Profit and Loss required   Provide fully executed profit and loss statement for full 2020 and for 2021 year to date.       07/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1271038 XXXXXXXXXX XXXXXXXXXX 6107402 771 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Inquiry Letter in file addressing all inquiries within the last 90 days   xxxxxxxxxxxxxxxxx-1/XX/2021 See pg 861 of original file upload.       09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1271064 XXXXXXXXXX XXXXXXXXXX 6141900 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX MN I 1 A   A   A   A   A   A   A   A     Exempt 1
1271072 XXXXXXXXXX XXXXXXXXXX 6107601 978 XXXXXXXXXX Compliance Application   Application - Demographic Addendum - Missing or Incomplete   INCOMPLETE       07/XX/2021     A 1 XXXXXXXXXX RI I 1 B   A   A   A   B   A   A   A     Exempt 1
1271078 XXXXXXXXXX XXXXXXXXXX 6141903 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX OR I 3 A   A   A   A   A   A   A   A     Exempt 1
1271084 XXXXXXXXXX XXXXXXXXXX 6122950 897 XXXXXXXXXX Compliance Compliance   Compliance - TRID CD- Other   Settlement Service Provider List (SSPL) Date is Missing in e File Information Provided     10/XX/2021     A 1 XXXXXXXXXX FL I 1 C   A   A   A   C   A   A   A     Exempt 1
1271084 XXXXXXXXXX XXXXXXXXXX 6122951 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     10/XX/2021     A 1 XXXXXXXXXX FL I 1 C   A   A   A   C   A   A   A     Exempt 1
1271084 XXXXXXXXXX XXXXXXXXXX 6107691 901 XXXXXXXXXX Compliance Compliance   Compliance - TRID Other   Lock Document Showing The Date Rate  Was Locked With Borrower Missing From File.       06/XX/2021     A 1 XXXXXXXXXX FL I 1 C   A   A   A   C   A   A   A     Exempt 1
1271095 XXXXXXXXXX XXXXXXXXXX 6127367 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX AZ I 13 C   A   A   A   A   A   C   A     Temporary QM Safe Harbor 1
1271098 XXXXXXXXXX XXXXXXXXXX 6122096 902 09/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 04/XX/2021 NV I 1 C   B   A   A   C   B   A   A     Exempt 1
1271098 XXXXXXXXXX XXXXXXXXXX 6122097 1062 09/XX/2021 Compliance Compliance   Compliance - CD-Clerical error correction made more than 60 days post consummation   PCCD dated 07/XX/2021 is not disclosed within 60 days of consummation dated 04/XX/2021.   Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade= EV2 Reviewer 09/XX/2021 02:24 PM; Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade= EV2

 Reviewer 09/XX/2021 02:25 PM; Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade= EV2		     09/XX/2021 B 2 04/XX/2021 NV I 1 C   B   A   A   C   B   A   A     Exempt 1
1271098 XXXXXXXXXX XXXXXXXXXX 6107761 902 06/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           07/XX/2021     A 1 04/XX/2021 NV I 1 C   B   A   A   C   B   A   A     Exempt 1
1271098 XXXXXXXXXX XXXXXXXXXX 6107762 975 06/XX/2021 Compliance Compliance   Compliance - CD- Payee Name missing or incorrect   Payee name is missing for HOA Dues Fee and Home Warranty Fee in section H in CD dated 04/XX/2021.Need PCCD with the corrections.       07/XX/2021     A 1 04/XX/2021 NV I 1 C   B   A   A   C   B   A   A     Exempt 1
1271098 XXXXXXXXXX XXXXXXXXXX 6107763 986 06/XX/2021 Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrowers electronically need e-consent from "03/XX/2021" or prior signed by the borrowers.       07/XX/2021     A 1 04/XX/2021 NV I 1 C   B   A   A   C   B   A   A     Exempt 1
1271101 XXXXXXXXXX XXXXXXXXXX 6107806 247 XXXXXXXXXX Credit VOE - verbal or FNMA 1005   VOE - verbal or FNMA 1005 - Verbal VOE is NOT dated within 10 days prior to closing date         Reviewer 07/XX/2021 06:43 AM; Tdoc LOX provided will not clear the deficiency. Please provide an updated VOE. 07/XX/2021     A 1 XXXXXXXXXX TX I 1 A   A   A   A   A   A   A   A     Exempt 1
1271101 XXXXXXXXXX XXXXXXXXXX 6141907 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 A   A   A   A   A   A   A   A     Exempt 1
1271104 XXXXXXXXXX XXXXXXXXXX 6126847 1108 09/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Loan originated with PIW.(Internal condition only-No action required by the Corresepondent) Information Provided     09/XX/2021     B 1 04/XX/2021 CA I 3 C   B   A   A   C   A   C   B   Exempt 1
1271104 XXXXXXXXXX XXXXXXXXXX 6107846 970 06/XX/2021 Compliance Compliance   Compliance - CD- Missing   Initial CD is missing from the file.       07/XX/2021     A 1 04/XX/2021 CA I 3 C   B   A   A   C   A   C   B   Exempt 1
1271118 XXXXXXXXXX XXXXXXXXXX 6108008 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   missing 1 years tax returns, P&L and 2 months bank statemments for  borrower and co borrower       08/XX/2021     A 1 XXXXXXXXXX KS I 1 A   A   A   A   A   A   A   A     Exempt 1
1271121 XXXXXXXXXX XXXXXXXXXX 6129992 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX WA I 1 C   A   A   A   A   A   C   A     Exempt 1
1271127 XXXXXXXXXX XXXXXXXXXX 6122463 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "05/XX/2021" or prior signed by the borrowers. Information Provided     09/XX/2021     A 1 XXXXXXXXXX MN I 1 A   A   A   A   A   A   A   A     Exempt 1
1271135 XXXXXXXXXX XXXXXXXXXX 6127881 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   A   A   C   A     Exempt 1
1271138 XXXXXXXXXX XXXXXXXXXX 6108114 320 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Other   The most recent personal bank statement in imaging from xxxxxxxxxxxx 401K is more than 60 days old as of the note date on 5/XX/21. A more current bank statement is required.       07/XX/2021     A 1 XXXXXXXXXX TX I 1 D   A   D   A   A   A   A   A     Exempt 1
1271138 XXXXXXXXXX XXXXXXXXXX 6108115 393 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Missing undisclosed properties   Per public records there may be a potential undisclosed property owned by the borrower located at xxxxxxxxxxxxxxxxx.  For this reason, documentation for the monthly payments for this property or documentation to show non ownership is required. Verification property is not owned by borrower has been received     09/XX/2021     A 1 XXXXXXXXXX TX I 1 D   A   D   A   A   A   A   A     Exempt 1
1271138 XXXXXXXXXX XXXXXXXXXX 6108116 320 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Other   The most recent personal bank statement in imaging from xxxxxxxxxxxxxxxx 401K is more than 60 days old as of the note date on 5/XX/21. A more current bank statement is required.       07/XX/2021     A 1 XXXXXXXXXX TX I 1 D   A   D   A   A   A   A   A     Exempt 1
1271147 XXXXXXXXXX XXXXXXXXXX 6108158 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide updated LP Findings correcting loan type to cash out refinance as the borrower is getting back more than $42,000 in cash out       06/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1271147 XXXXXXXXXX XXXXXXXXXX 6108159 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Loansafe risk manager has high alert for borrower having additional loan applications on different properties in the last 120 days. Borrower has other loan in xxx. Loan xxxxxxx. Final CD in loan file for property address xxxxxxxxxxxxxxxx    ***9/XX/2021 received   Client 09/XX/2021 11:44 AM; Please review - Borrower has multiple loans with us.. see notes from U/W

 Reviewer 09/XX/2021 02:02 PM; condition has been cleared		 09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1271147 XXXXXXXXXX XXXXXXXXXX 6141919 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1271158 XXXXXXXXXX XXXXXXXXXX 6141923 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX MA I 1 C   A   A   A   A   A   C   A     Exempt 1
1271164 XXXXXXXXXX XXXXXXXXXX 6108220 862 XXXXXXXXXX Compliance Deed of Trust/Mortgage   Deed of Trust/Mortgage - Other:   Deed of Trust -Notary acknowledgement contains a date line but date is missing on provided DOT. letter of intent to re-record along with a complete copy of the corrected DOT/MTG. Provided.   Reviewer 07/XX/2021 09:35 AM; Outstanding 07/XX/2021     A 1 XXXXXXXXXX NE I 13 D   A   D   A   C   A   A   A     Temporary QM Safe Harbor 1
1271164 XXXXXXXXXX XXXXXXXXXX 6108221 437 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete Verbal VOE   Please provide VOE from xxxxxxxxxxxxxxxx for xxxxxxxxxx dated within 10 days of note (06/XX/21)       07/XX/2021     A 1 XXXXXXXXXX NE I 13 D   A   D   A   C   A   A   A     Temporary QM Safe Harbor 1
1271167 XXXXXXXXXX XXXXXXXXXX 6108252 846 XXXXXXXXXX Compliance Disclosure   Disclosure - Missing initial disclosure within 3 days of application   When initial CD is missing{Compliance CD- Missing} Missing Initial CD issued and received by borrower 3 days prior to consummation.     Reviewer 07/XX/2021 01:52 PM; Initial CD received is missing closing date on page 1, condition remains open. 07/XX/2021     A 1 XXXXXXXXXX NJ I 3 C   A   C   A   C   A   A   A     Exempt 1
1271167 XXXXXXXXXX XXXXXXXXXX 6108253 975 XXXXXXXXXX Compliance Compliance   Compliance - CD- Payee Name missing or incorrect   Payee name is missing for "HOA/Associations Documentation Fee" in section-H in PCCD dated 06/XX/2021. Please provide correct PCCD for the same.       07/XX/2021     A 1 XXXXXXXXXX NJ I 3 C   A   C   A   C   A   A   A     Exempt 1
1271167 XXXXXXXXXX XXXXXXXXXX 6108254 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           07/XX/2021     A 1 XXXXXXXXXX NJ I 3 C   A   C   A   C   A   A   A     Exempt 1
1271167 XXXXXXXXXX XXXXXXXXXX 6108255 200 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - If Condo, blanket coverage policy is missing   Master policy is not reflecting the subject property address and also the dwelling amount       07/XX/2021     A 1 XXXXXXXXXX NJ I 3 C   A   C   A   C   A   A   A     Exempt 1
1271167 XXXXXXXXXX XXXXXXXXXX 6120475 127 XXXXXXXXXX Compliance Deed of Trust/Mortgage   Deed of Trust/Mortgage - was not executed by all parties on title.   Missing please provide Borrower signatures and Notary acknowledgement for Mortgage. Information Provided     10/XX/2021     A 1 XXXXXXXXXX NJ I 3 C   A   C   A   C   A   A   A     Exempt 1
1271181 XXXXXXXXXX XXXXXXXXXX 6108340 978 XXXXXXXXXX Compliance Application   Application - Demographic Addendum - Missing or Incomplete   Application Demographic Addendum is incomplete     Reviewer 07/XX/2021 06:19 AM; still need 07/XX/2021     A 1 XXXXXXXXXX NV I 1 B   A   A   A   B   A   A   A     Exempt 1
1271184 XXXXXXXXXX XXXXXXXXXX 6108358 318 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Source of Large Deposit   Missing acceptable documentation to source the large deposit of $ 229000 dated 06/XX/2021 wire into xxxxxxxxxx document received     08/XX/2021     A 1 XXXXXXXXXX NC I 1 C   A   C   A   A   A   A   A     Exempt 1
1271184 XXXXXXXXXX XXXXXXXXXX 6108359 387 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Taxes and Insurance documentation   primary home @ xxxxxxxxxxx - xxxxxxx mtg doc in file shows $ 4617.39 with PI and escrows of $221 - Fraud report shows the annual taxes on this property @ $17246/ $ 1658.17 - it does not appear the xxxxx mortgage is escrowed for taxes - it appears to be escrowed for insurance only, adding the taxes for this property into the $1617.39 PII payment would cause the dti to increase greater than tolerance, missing acceptable documentation to support the property taxes are included in $ 4617.39 payment with xxxxx for xxxxxxxxxxxxx document received.  Verified taxes and insurance are escrowed per credit supplement     08/XX/2021     A 1 XXXXXXXXXX NC I 1 C   A   C   A   A   A   A   A     Exempt 1
1271184 XXXXXXXXXX XXXXXXXXXX 6108360 387 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Taxes and Insurance documentation   Missing acceptable documentation to support the taxes/ insurance/ HOA fees for xxxxxxxxxxxx, are not greater than $ 745.00 per month as submitted to AUS document received     08/XX/2021     A 1 XXXXXXXXXX NC I 1 C   A   C   A   A   A   A   A     Exempt 1
1271207 XXXXXXXXXX XXXXXXXXXX 6108538 442 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Retirement income docs missing/incomplete   Provide the Social Security letters to support the $697 for xxxx, and $1662 for xxx. Per AUS #8, qualifying income is as follows:  xxxx $697.00 and xxxx $1,662.00.  Grossed up calculations are as follows:  xxxx $492.50 and xxxxh $1,693.  This results in a difference of $173.50 in SS income.  The DTI is below 45% and this change does not increase the DTI more than 3%, therefore nothing further is required.     09/XX/2021     A 1 XXXXXXXXXX NV I 3 D   A   D   A   A   A   A   A     Exempt 1
1271207 XXXXXXXXXX XXXXXXXXXX 6108539 1015 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - IRS Transcripts required   Provide the 2019 Tax Transcripts to validate other income,net rentals, and negative income for SE business.       07/XX/2021     A 1 XXXXXXXXXX NV I 3 D   A   D   A   A   A   A   A     Exempt 1
1271207 XXXXXXXXXX XXXXXXXXXX 6141932 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX NV I 3 D   A   D   A   A   A   A   A     Exempt 1
1271210 XXXXXXXXXX XXXXXXXXXX 6108555 1015 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - IRS Transcripts required   Borrower has self employment income, rental properties reported under 1120"S" Corporations missing IRS 1040 Transcripts. Additional conditions may apply. Review type is Titanium; loan is eligible for overlay relief. Transcripts not required.     09/XX/2021     A 1 XXXXXXXXXX GA I 1 A   A   A   A   A   A   A   A     Exempt 1
1271238 XXXXXXXXXX XXXXXXXXXX 6141938 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   A   A     Exempt 1
1271244 XXXXXXXXXX XXXXXXXXXX 6121702 895 XXXXXXXXXX Compliance Compliance   Compliance - TRID CD- Need proof CD was received 3 days prior to consummation   Need proof Initial CD(06/XX/2021) was received 3 days prior to consummation(06/XX/2021) Information Provided     10/XX/2021     A 1 XXXXXXXXXX NV I 1 A   A   A   A   A   A   A   A     Exempt 1
1271244 XXXXXXXXXX XXXXXXXXXX 6121703 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     10/XX/2021     A 1 XXXXXXXXXX NV I 1 A   A   A   A   A   A   A   A     Exempt 1
1271270 XXXXXXXXXX XXXXXXXXXX 6125709 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronicxxxx need e-consent form "05/XX/2021" or prior signed by the borrowers       09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   C   A   C   A     Exempt 1
1271270 XXXXXXXXXX XXXXXXXXXX 6134093 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only-No action required by the Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   C   A   C   A     Exempt 1
1271270 XXXXXXXXXX XXXXXXXXXX 6134096 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Final closing disclosure was not provided for the new xxxx loan account ending xxxxxx for property located at xxxx xxx xxxx. CD provided     09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   C   A   C   A     Exempt 1
1271270 XXXXXXXXXX XXXXXXXXXX 6134097 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Final closing disclosure was not provided for the new xxxx loan account ending xxxxxx for property located at xxxx-xxxx xxxx CD provided     09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   C   A   C   A     Exempt 1
1271270 XXXXXXXXXX XXXXXXXXXX 6134099 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Final closing disclosure was not provided for the new xxxx loan account ending xxxxxx for property located at xxxx xxxx xxxx xxxx. CD provided     09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   C   A   C   A     Exempt 1
1271270 XXXXXXXXXX XXXXXXXXXX 6134100 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Final closing disclosure was not provided for the new xxxx xxxx loan account ending xxxxxx for property located at xxxx xxxx xxxx    Final closing disclosure was not provided for the new xxxx xxxx loan account ending xxxxxx for property located at xxxx xxxx xxxx     Final closing disclosure was not provided for the new xxxx xxxx loan account ending xxxxxx for property located at xxxx xxxx xxxx CD provided     09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   C   A   C   A     Exempt 1
1271270 XXXXXXXXXX XXXXXXXXXX 6134188 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Final closing disclosure was not provided for the new xxxx  xxxx loan account ending xxxxxx for property located at xxxx xxxx CD provided     09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   C   A   C   A     Exempt 1
1271270 XXXXXXXXXX XXXXXXXXXX 6134195 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Final closing disclosure was not provided for the new xxxx xxxx loan account ending xxxxxx for property located at xxxx xxxx Drive CD provided     09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   C   A   C   A     Exempt 1
1271293 XXXXXXXXXX XXXXXXXXXX 6141775 1108 09/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Loan originated with PIW. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     B 1 06/XX/2021 MD I 3 C   B   A   A   C   A   B B   Exempt 1
1271304 XXXXXXXXXX XXXXXXXXXX 6137104 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX OR I 1 C   A   A   A   A   A   C   A     Exempt 1
1271310 XXXXXXXXXX XXXXXXXXXX 6141960 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX NY I 3 D   A   D   A   A   A   A   A     Exempt 1
1271313 XXXXXXXXXX XXXXXXXXXX 6134301 327 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Satisfactory 12 mth Rental   Provide 12-month VOR to verify rental history for xxxx in the amount of $3225.00. document provided   Client 10/XX/2021 06:00 PM; VOR uploaded.  Borrower has history of making mortgage payments, credit report shows 4 recent mortgages that have been paid off/refinance with history of 12 + mos.  Ability to repay this mortgage loan is supported by credit history along with the VOR received.

 Reviewer 10/XX/2021 10:50 AM; deficiency cleared 		10/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   C   A   A   A     Exempt 1
1271324 XXXXXXXXXX XXXXXXXXXX 6126156 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   UW - Second collateral evaluation is required. COMMENT No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX NY I 1 C   A   C   A   C   A   C   A     Exempt 1
1271327 XXXXXXXXXX XXXXXXXXXX 6127587 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   UW - Second collateral evaluation is required. COMMENT No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX NH I 3 C   A   A   A   A   A   C   A     Exempt 1
1271330 XXXXXXXXXX XXXXXXXXXX 6135552 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Second collateral evaluation CDA is required. FNMA UCDP score = N/A. Information Provided     09/XX/2021     A 1 XXXXXXXXXX ID I 1 C   A   A   A   A   A   C   A     Exempt 1
1271333 XXXXXXXXXX XXXXXXXXXX 6134631 321 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit - Insufficient   Provide an inquiry letter to address the following inquiry shown on credit report xxxx --- 05-xx-2021. Received     10/XX/2021     A 1 XXXXXXXXXX SC I 1 C   A   C   A   A   A   A   A     Exempt 1
1271353 XXXXXXXXXX XXXXXXXXXX 6141970 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) cda received within tolerance     10/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   C   A   A   A     Exempt 1
1271356 XXXXXXXXXX XXXXXXXXXX 6141972 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 13 A   A   A   A   A   A   A   A     Temporary QM Safe Harbor 1
1271370 XXXXXXXXXX XXXXXXXXXX 6141976 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   C   A   B   A   A   A     Exempt 1
1271404 XXXXXXXXXX XXXXXXXXXX 6141987 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   C   A   A   A     Exempt 1
1271410 XXXXXXXXXX XXXXXXXXXX 6126505 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   UW - Second collateral evaluation is required. COMMENT CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) cda received within tolerance     10/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   A   A   A   A     Exempt 1
1271413 XXXXXXXXXX XXXXXXXXXX 6141990 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX NJ I 1 C   A   A   A   C   A   A   A     Exempt 1
1271436 XXXXXXXXXX XXXXXXXXXX 6126640 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   UW - Second collateral evaluation is required. COMMENT CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX WA I 3 C   A   A   A   A   A   C   A     Exempt 1
1271439 XXXXXXXXXX XXXXXXXXXX 6139791 336 09/XX/2021 Credit UW Income/Employment   UW Income/Employment - UW - Income Other   P&L forxxxx is expired. Provide a new P&L for this business. Must be less than 60 days old at time of closing.     Client 10/XX/2021 01:23 PM; Cash flow analysis, is signed general ledgers are signed.  2020 Personal and Corporate tax returns provided for income qualification.&#x0D;
Waiver Request: Cash Reserves: Total/Months PITI-$75,716.57 / 90.  FICO 790, LTV/CLTV 61.111%, Seasoned property manager, mortgage history 0 x 30 x 60+.  17+ years self-employed. 20 years in the same line of work.&#x0D;


 Reviewer 10/XX/2021 04:04 PM; exception noted		     10/XX/2021 B 2 06/XX/2021 UT I 13 A   B   A   B   A   A   A   A     Temporary QM Safe Harbor 1
1271447 XXXXXXXXXX XXXXXXXXXX 6142001 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 13 A   A   A   A   A   A   A   A     Temporary QM Safe Harbor 1
1271453 XXXXXXXXXX XXXXXXXXXX 6142003 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX TN I 1 A   A   A   A   A   A   A   A     Exempt 1
1271473 XXXXXXXXXX XXXXXXXXXX 6142008 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX ID I 1 C   A   A   A   C   A   C   A     Exempt 1
1271473 XXXXXXXXXX XXXXXXXXXX 6153349 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   FNMA UCDP of 2.6 exceeds 2.5 tolerance. Second collateral evaluation is required. Information Provided     09/XX/2021     A 1 XXXXXXXXXX ID I 1 C   A   A   A   C   A   C   A     Exempt 1
1271516 XXXXXXXXXX XXXXXXXXXX 6142018 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX AZ I 1 A   A   A   A   A   A   A   A     Exempt 1
1271522 XXXXXXXXXX XXXXXXXXXX 6142020 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX MO I 1 C   A   C   A   A   A   A   A     Exempt 1
1271530 XXXXXXXXXX XXXXXXXXXX 6142023 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CO I 13 C   A   A   A   A   A   C   A     Temporary QM Safe Harbor 1
1271533 XXXXXXXXXX XXXXXXXXXX 6142025 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX OR I 1 B   A   A   A   B   A   A   A     Exempt 1
1271585 XXXXXXXXXX XXXXXXXXXX 6142040 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX NJ I 13 A   A   A   A   A   A   A   A     Temporary QM Safe Harbor 1
1271599 XXXXXXXXXX XXXXXXXXXX 6130652 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   UW - Second collateral evaluation is required. COMMENT No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX NY I 1 C   A   A   A   C   A   C   A     Exempt 1
1271613 XXXXXXXXXX XXXXXXXXXX 6137761 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only-No action required by the Correspondent) CDA received and within tolerance     10/XX/2021     A 1 XXXXXXXXXX WA I 1 A   A   A   A   A   A   A   A     Exempt 1
1271616 XXXXXXXXXX XXXXXXXXXX 6138197 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only-No action required by the Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX NC I 13 C   A   A   A   A   A   C   A     Exempt 1
1271625 XXXXXXXXXX XXXXXXXXXX 6132909 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   UW - Second collateral evaluation is required. COMMENT CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX ID I 1 C   A   A   A   A   A   C   A     Exempt 1
1271648 XXXXXXXXXX XXXXXXXXXX 6125839 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronicxxxx need e-consent form "05/XX/2021" or prior signed by the borrowers. Information Provided     09/XX/2021     A 1 XXXXXXXXXX WA I 13 A   A   A   A   A   A   A   A     Exempt 1
1271656 XXXXXXXXXX XXXXXXXXXX 6125852 901 XXXXXXXXXX Compliance Compliance   Compliance - TRID Other   SSPL document is missing in file. Information Provided     09/XX/2021     A 1 XXXXXXXXXX OK I 1 C   A   C   A   B   A   A   A     Exempt 1
1271656 XXXXXXXXXX XXXXXXXXXX 6125853 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX OK I 1 C   A   C   A   B   A   A   A     Exempt 1
1271656 XXXXXXXXXX XXXXXXXXXX 6125854 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronicxxxx need e-consent form "06/XX/2021" or prior signed by the borrowers. Information Provided     09/XX/2021     A 1 XXXXXXXXXX OK I 1 C   A   C   A   B   A   A   A     Exempt 1
1271656 XXXXXXXXXX XXXXXXXXXX 6137907 1023 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Access letter for joint funds incomplete/missing (FHA Only)   Excess Letter xxxx for xxxx xxxx from xxxx N. xxxx. Docs received     09/XX/2021     A 1 XXXXXXXXXX OK I 1 C   A   C   A   B   A   A   A     Exempt 1
1271656 XXXXXXXXXX XXXXXXXXXX 6138064 333 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Inconsistent   Evidence supporting the use of $3067.25 in SSI income as submitted for xxxx xxxx documentation provided   Reviewer 09/XX/2021 01:58 PM; SSI monthly income documented currently = $2,452.00 supported with bank statement deposits and 1099’s for 2020

 Reviewer 09/XX/2021 08:06 AM; Provide updated AUS showing correct SSI income of $2452

 Client 10/XX/2021 10:34 AM; File contains 2020 Sec Sec Award letter for xxxx and his dependent.  Both are indexed under Income-Other Income tab. Both are for the same amount. Please take note of SSN # in Box 2. Income totals $29,064 + 25% gross up=$3027

 Reviewer 10/XX/2021 11:43 AM; deficiency has been cleared		 10/XX/2021     A 1 XXXXXXXXXX OK I 1 C   A   C   A   B   A   A   A     Exempt 1
1271659 XXXXXXXXXX XXXXXXXXXX 6125995 901 XXXXXXXXXX Compliance Compliance   Compliance - TRID Other   Initial LE SSPL is missing in file. Information Provided     09/XX/2021     A 1 XXXXXXXXXX AR I 1 C   A   A   A   C   A   C   A     Exempt 1
1271659 XXXXXXXXXX XXXXXXXXXX 6125996 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX AR I 1 C   A   A   A   C   A   C   A     Exempt 1
1271659 XXXXXXXXXX XXXXXXXXXX 6142060 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX AR I 1 C   A   A   A   C   A   C   A     Exempt 1
1271668 XXXXXXXXXX XXXXXXXXXX 6142062 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX DC I 13 C   A   A   A   A   A   C   A     QM Safe Harbor 1
1271676 XXXXXXXXXX XXXXXXXXXX 6142064 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX VA I 13 A   A   A   A   A   A   A   A     Temporary QM Safe Harbor 1
1271696 XXXXXXXXXX XXXXXXXXXX 6142069 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   C   A   A   A   C   A     Exempt 1
1271696 XXXXXXXXXX XXXXXXXXXX 6159931 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score 4.0.  CDA required. Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   C   A   A   A   C   A     Exempt 1
1271696 XXXXXXXXXX XXXXXXXXXX 6159932 337 XXXXXXXXXX Credit UW Other   UW Other - UW - HUD-1 to evidence payment of debts   Per FG Report, SSA-89 Form to be completed. Received     10/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   C   A   A   A   C   A     Exempt 1
1271702 XXXXXXXXXX XXXXXXXXXX 6130597 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX NY I 3 C   A   A   A   A   A   C   A     Exempt 1
1271719 XXXXXXXXXX XXXXXXXXXX 6151467 327 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Satisfactory 12 mth Rental   Missing 12 month rental verification, or LOE for rent free status. Doc received   Client 10/XX/2021 11:05 AM; Letter in file located in General Correspondence states lives rent free. Please review and advise.  

 Reviewer 10/XX/2021 12:17 PM;

 Reviewer 10/XX/2021 04:05 PM; Hello, Email sent to credit to review the escalation. Thank you, xxxx		 10/XX/2021     A 1 XXXXXXXXXX SC I 1 A   A   A   A   A   A   A   A     Exempt 1
1271722 XXXXXXXXXX XXXXXXXXXX 6142076 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   A   A   A   A   C   A     Exempt 1
1271728 XXXXXXXXXX XXXXXXXXXX 6130462 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     10/XX/2021     A 1 XXXXXXXXXX MO I 13 D   A   D   A   A   A   A   A     Temporary QM Safe Harbor 1
1271728 XXXXXXXXXX XXXXXXXXXX 6130476 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent from "04/XX/2021" or prior signed by the borrower. Information Provided     10/XX/2021     A 1 XXXXXXXXXX MO I 13 D   A   D   A   A   A   A   A     Temporary QM Safe Harbor 1
1271742 XXXXXXXXXX XXXXXXXXXX 6159676 337 XXXXXXXXXX Credit UW Other   UW Other - UW - HUD-1 to evidence payment of debts   Provide the following documents so that a condo warranty can be completed for the subject property Limited Condo Questionnaire. Received     10/XX/2021     A 1 XXXXXXXXXX NV I 1 C   A   C   A   A   A   A   A     Exempt 1
1271745 XXXXXXXXXX XXXXXXXXXX 6130410 9 XXXXXXXXXX Credit Application   Application - is missing   Initial 1003 is missing in the E-file. Information Provided     10/XX/2021     A 1 XXXXXXXXXX TX I 13 C   A   C   A   C   A   C   A     Temporary QM Safe Harbor 1
1271745 XXXXXXXXXX XXXXXXXXXX 6130411 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     10/XX/2021     A 1 XXXXXXXXXX TX I 13 C   A   C   A   C   A   C   A     Temporary QM Safe Harbor 1
1271745 XXXXXXXXXX XXXXXXXXXX 6142078 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 13 C   A   C   A   C   A   C   A     Temporary QM Safe Harbor 1
1271751 XXXXXXXXXX XXXXXXXXXX 6147217 998 XXXXXXXXXX Credit UW Other   UW Other - UW - Title Commitment is missing or requires correction.   Unable to verify taxes for subject property. Taxes not listed on title and tax certification provided is incomplete. Taxes taken from appraisal. Doc received   Client 10/XX/2021 11:59 AM; Received and uploaded tax bill.  XXXXXX still in the sellers name. Please review and advise.

 Reviewer 10/XX/2021 02:40 PM; DEFICIENCY CLEARED		 10/XX/2021     A 1 XXXXXXXXXX NY I 1 A   A   A   A   A   A   A   A     Exempt 1
1271759 XXXXXXXXXX XXXXXXXXXX 6142083 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX KS I 1 D   A   D   A   A   A   C   A     Exempt 1
1271759 XXXXXXXXXX XXXXXXXXXX 6156063 439 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing W2s   Missing W2 for XXXXXX. Doc received   Client 10/XX/2021 11:57 AM; W2's for both borrower located and uploaded.  2020, 2019 and 2018

 Reviewer 10/XX/2021 02:39 PM; DEFICIENCY CLEARED		 10/XX/2021     A 1 XXXXXXXXXX KS I 1 D   A   D   A   A   A   C   A     Exempt 1
1271788 XXXXXXXXXX XXXXXXXXXX 6142088 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX NY I 1 A   A   A   A   A   A   A   A     Exempt 1
1271811 XXXXXXXXXX XXXXXXXXXX 6141788 1108 09/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Loan originated with PIW. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     B 1 06/XX/2021 WA I 13 D   B   D   A   A   A   B B   Temporary QM Safe Harbor 1
1271811 XXXXXXXXXX XXXXXXXXXX 6111169 868 08/XX/2021 Credit Hazard Insurance   Hazard Insurance - Other:   Hazard Insurance is Expiring within 30 Days       08/XX/2021     A 1 06/XX/2021 WA I 13 D   B   D   A   A   A   B B   Temporary QM Safe Harbor 1
1271811 XXXXXXXXXX XXXXXXXXXX 6111170 440 08/XX/2021 Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete 1040's   Please provide most recent year tax returns ( XXXXXX XXXXXX ) to support rental income document received     08/XX/2021     A 1 06/XX/2021 WA I 13 D   B   D   A   A   A   B B   Temporary QM Safe Harbor 1
1271811 XXXXXXXXXX XXXXXXXXXX 6111171 379 08/XX/2021 Credit UW Other   UW Other - UW - Letter of Explanation   Red Flags due to high number of submissions LOX required at closing document received   Reviewer 08/XX/2021 11:37 AM; LOE for inquiries provided. No LOE for # of submissions 08/XX/2021     A 1 06/XX/2021 WA I 13 D   B   D   A   A   A   B B   Temporary QM Safe Harbor 1
1271811 XXXXXXXXXX XXXXXXXXXX 6130580 330 09/XX/2021 Credit UW Credit   UW Credit - UW - Credit Other   UW Collateral TPR UW - Second collateral evaluation is required. COMMENT Loan originated with PIW. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 06/XX/2021 WA I 13 D   B   D   A   A   A   B B   Temporary QM Safe Harbor 1
1271814 XXXXXXXXXX XXXXXXXXXX 6149843 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   MISSING AVM REPORT   ( NO CU SCORE REPORTED) Information Provided     09/XX/2021     A 1 XXXXXXXXXX IL I 3 D   A   D   A   A   A   C   A     Exempt 1
1271814 XXXXXXXXXX XXXXXXXXXX 6149849 393 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Missing undisclosed properties   MISSING EVIDENCE BORROWER HAS NO INTEREST IN THE FOLLOWING PROPERTIES REPORTED ON 1040'S SCHEDULE E   xxxx & xxxx (OBTAIN MOST RECENT TAX BILL, INSURANCE, AND HOA DUES IF APPLICABLE) subject two family broken out to each unit on 1040s, and xxx is owned by borrowers spouse filing jointly     10/XX/2021     A 1 XXXXXXXXXX IL I 3 D   A   D   A   A   A   C   A     Exempt 1
1271814 XXXXXXXXXX XXXXXXXXXX 6142093 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX IL I 3 D   A   D   A   A   A   C   A     Exempt 1
1271822 XXXXXXXXXX XXXXXXXXXX 6142099 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX NJ I 3 C   A   A   A   A   A   C   A     Exempt 1
1271842 XXXXXXXXXX XXXXXXXXXX 6111304 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           07/XX/2021     A 1 XXXXXXXXXX NJ I 13 C   A   A   A   C   A   C   A     Exempt 1
1271842 XXXXXXXXXX XXXXXXXXXX 6111305 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrowers electronically need e-consent form "12/XX/2021" or prior signed by the borrowers.       07/XX/2021     A 1 XXXXXXXXXX NJ I 13 C   A   A   A   C   A   C   A     Exempt 1
1271842 XXXXXXXXXX XXXXXXXXXX 6111306 971 XXXXXXXXXX Compliance Compliance   Compliance - CD- Missing CD Signed by borrower   Final CD signed at closing is missing in file       07/XX/2021     A 1 XXXXXXXXXX NJ I 13 C   A   A   A   C   A   C   A     Exempt 1
1271842 XXXXXXXXXX XXXXXXXXXX 6135691 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Second collateral evaluation is required due to the CU Score on the appraisal in file was 3.3. Information Provided     09/XX/2021     A 1 XXXXXXXXXX NJ I 13 C   A   A   A   C   A   C   A     Exempt 1
1271845 XXXXXXXXXX XXXXXXXXXX 6111321 9 XXXXXXXXXX Credit Application   Application - is missing   Initial Application is missing in the file Provided.     08/XX/2021     A 1 XXXXXXXXXX PA I 13 C   A   C   A   C   A   A   A     Exempt 1
1271845 XXXXXXXXXX XXXXXXXXXX 6111323 867 XXXXXXXXXX Credit 4506   4506 - Other:   XXXX Signatory Attestation box is not checked by the borrower       07/XX/2021     A 1 XXXXXXXXXX PA I 13 C   A   C   A   C   A   A   A     Exempt 1
1271845 XXXXXXXXXX XXXXXXXXXX 6111324 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           08/XX/2021     A 1 XXXXXXXXXX PA I 13 C   A   C   A   C   A   A   A     Exempt 1
1271845 XXXXXXXXXX XXXXXXXXXX 6111325 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "04/XX/2021" or prior signed by the borrowers.       07/XX/2021     A 1 XXXXXXXXXX PA I 13 C   A   C   A   C   A   A   A     Exempt 1
1271845 XXXXXXXXXX XXXXXXXXXX 6111326 9 XXXXXXXXXX Credit Application   Application - is missing   Required for ULDD Data Discrepancy Initial loan application is not received.     Reviewer 07/XX/2021 12:22 PM; Required for ULDD data delivery: Initial 1003 is still not received.  

 Reviewer 08/XX/2021 04:49 AM; Required for ULDD data delivery: Initial 1003 is still not received. Please provide

 Reviewer 08/XX/2021 04:19 AM; Required for ULDD data delivery: Initial 1003 is received however loan originator signature is missing. Please provide updated initial 1003 with loan originator signature with date.

 Reviewer 08/XX/2021 03:32 AM; Required for ULDD data delivery: Initial 1003 is still not received. Please provide.		 08/XX/2021     A 1 XXXXXXXXXX PA I 13 C   A   C   A   C   A   A   A     Exempt 1
1271848 XXXXXXXXXX XXXXXXXXXX 6111341 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "12/XX/2020" or prior signed by the XXXXXX. Provided.     07/XX/2021     A 1 XXXXXXXXXX NJ I 13 C   A   A   A   C   A   C   A     Temporary QM Safe Harbor 1
1271848 XXXXXXXXXX XXXXXXXXXX 6137449 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   UW Collateral TPR UW - Second collateral evaluation is required. COMMENT: (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX NJ I 13 C   A   A   A   C   A   C   A     Temporary QM Safe Harbor 1
1271851 XXXXXXXXXX XXXXXXXXXX 6143550 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Title is currently vested in a Trust. For title to remain within the trust, provide a copy of Full Trust Review for review.  Upon receipt, trust to be reviewed and approved by Bayview TPR. If borrower wishes to remove title from the trust and close this loan in their individual names, provide a letter indicating that intention and file will be updated accordingly. Trust received     09/XX/2021     A 1 XXXXXXXXXX MD I 1 A   A   A   A   A   A   A   A     Exempt 1
1271888 XXXXXXXXXX XXXXXXXXXX 6144750 986 09/XX/2021 Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "06/XX/2021" or prior signed by the XXXXXX.         10/XX/2021   B 2 07/XX/2021 CA I 13 A   B   A   A   A   B   A   A     Temporary QM Safe Harbor 1
1271891 XXXXXXXXXX XXXXXXXXXX 6142117 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX FL I 1 A   A   A   A   A   A   A   A     Exempt 1
1271894 XXXXXXXXXX XXXXXXXXXX 6111499 897 XXXXXXXXXX Compliance Compliance   Compliance - TRID CD- Other   On last disclosed CD date 07/XX/2021, is showing disbursement date on 1st page and 2nd page of section F as 07/XX/2021 which is prior to closing date 07/XX/2021 (Signing Date). Need PCCD with corrections.     Reviewer 07/XX/2021 11:41 AM; outstanding 07/XX/2021     A 1 XXXXXXXXXX TX I 13 C   A   A   A   C   A   A   A     Exempt 1
1271894 XXXXXXXXXX XXXXXXXXXX 6111500 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           07/XX/2021     A 1 XXXXXXXXXX TX I 13 C   A   A   A   C   A   A   A     Exempt 1
1271908 XXXXXXXXXX XXXXXXXXXX 6111567 3 XXXXXXXXXX Credit 4506   4506 - was not dated as of the closing date.   4506-C is not Singed by Borrower at Closing     Reviewer 07/XX/2021 11:21 AM; Please provide 4506C signed at closing (05/26) 07/XX/2021     A 1 XXXXXXXXXX CO I 13 B   A   B   A   A   A   A   A     Exempt 1
1271911 XXXXXXXXXX XXXXXXXXXX 6142123 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX WA I 1 A   A   A   A   A   A   A   A     Exempt 1
1271931 XXXXXXXXXX XXXXXXXXXX 6111660 318 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Source of Large Deposit   Please source the following large deposit(s )6/xx $2372.97 & 5/xx 2590.73 from XXXXXX XXXXXX - XXXXXX document received     08/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   C   A   A   A   C   A     Exempt 1
1271931 XXXXXXXXXX XXXXXXXXXX 6111661 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Missing letter of explanation regarding property disposition for XXXXXX  XXXXXXX(primary or investment property, borrower is currently residing at this address) explanation on 1008.     09/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   C   A   A   A   C   A     Exempt 1
1271931 XXXXXXXXXX XXXXXXXXXX 6111662 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   MISING CDA REPORT (NO CU SCORE AVAILABLE) Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   C   A   A   A   C   A     Exempt 1
1271934 XXXXXXXXXX XXXXXXXXXX 6162237 431 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing   Per final LP, 2 xxx accounts were populated electronically on the date (6/XX/21) LP was originally pulled xxx-xxxx with $2,067.87 and xxx-xxxx with $192.73 - both acct balances as of 6/XX/2021. xxxx-xxxx stmt dtd 6/XX/2021 in file confirmed total assets of $2,059.86 but there was no statement provided forxxx-xxxx verifying a minimum of $192.73 in total liquid assets. LP required $8677.56 Retirement $9733.99x70=$6813.79+xxx $2059.88 = $8873.67   Client 10/XX/2021 02:19 PM; Request the deficiency be waived. xxx Acct#xxxx statement period 05/XX/21 - 06/XX/21 has a ending balance of $2059.88. The xxxx Retirement acct statement dated 03/xx/2021 - 6/XX/21 had an ending balance of $9,733.99 x 70% = $6813.79 in usable assets. ( 6813 + 2059 )  = $8872 in assets verified to be used as reserves. Per final AUS reserves/assets required to be  verified are $8,677.56. There is a surplus of $187 in assets.

 Reviewer 10/XX/2021 04:28 PM; Condition has been waived Thank you 		10/XX/2021     A 1 XXXXXXXXXX RI I 3 D   A   D   A   A   A   A   A     Exempt 1
1271934 XXXXXXXXXX XXXXXXXXXX 6142130 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX RI I 3 D   A   D   A   A   A   A   A     Exempt 1
1271957 XXXXXXXXXX XXXXXXXXXX 6111745 771 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Inquiry Letter in file addressing all inquiries within the last 90 days   is missing in the loan file. document received     07/XX/2021     A 1 XXXXXXXXXX AZ I 1 C   A   C   A   A   A   A   A     Exempt 1
1271968 XXXXXXXXXX XXXXXXXXXX 6142143 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX AZ I 1 C   A   A   A   A   A   C   A     Exempt 1
1271974 XXXXXXXXXX XXXXXXXXXX 6111820 891 XXXXXXXXXX Compliance Compliance   Compliance - TRID LE-  Initial LE not disclosed within 3 days of Application   Initial LE Dated(04/XX/2021)not disclosed within 3 days of loan Application(02/XX/2021). Need Initial LE within 3 days of Loan Application.       07/XX/2021     A 1 XXXXXXXXXX GA I 1 C   A   A   A   C   A   A   A     Exempt 1
1271974 XXXXXXXXXX XXXXXXXXXX 6111821 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           07/XX/2021     A 1 XXXXXXXXXX GA I 1 C   A   A   A   C   A   A   A     Exempt 1
1271977 XXXXXXXXXX XXXXXXXXXX 6111834 433 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Short funds to close   $3177 cash needed for closing per latest CD. $872 verified in XXXXXX...XXXXXX as of 6/XX/2021. Short $2305 for funds to close. document received     07/XX/2021     A 1 XXXXXXXXXX NV I 3 C   A   C   A   A   A   A   A     Exempt 1
1271977 XXXXXXXXXX XXXXXXXXXX 6111835 434 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Shorts Funds for Reserves   The retirement account dated 3/XX/2021 used for reserves is over 60 days old from the closing date and the most recent quarterly statement (6/XX/2021) was not found in the file (loan closed 7/XX/2021). Reference Lender Letter LL-2021-03. Reserves of $6335 are required to be verified document received     07/XX/2021     A 1 XXXXXXXXXX NV I 3 C   A   C   A   A   A   A   A     Exempt 1
1271988 XXXXXXXXXX XXXXXXXXXX 6142148 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX MA I 1 C   A   A   A   A   A   C   A     Exempt 1
1271991 XXXXXXXXXX XXXXXXXXXX 6142149 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX CO I 13 C   A   A   A   A   A   C   A     Temporary QM Safe Harbor 1
1271997 XXXXXXXXXX XXXXXXXXXX 6144861 346 XXXXXXXXXX Credit UW Other   UW Other - UW - Complete Purchase Agreement   The property seller is a company. Provide documentation to show who the individual company owners are. UW to verify this is an Arms Length Transaction. Received   Client 10/XX/2021 11:50 AM; -Appraiser has commented on the Arms-length transaction.  Seller-xxx&#x0D;
- uploaded operating agreement –no relationship with borrower

 Reviewer 10/XX/2021 03:31 PM; deficiency cleared 		10/XX/2021     A 1 XXXXXXXXXX FL I 1 A   A   A   A   A   A   A   A     Exempt 1
1271997 XXXXXXXXXX XXXXXXXXXX 6144867 265 XXXXXXXXXX Credit UW Collateral   UW Collateral - UW - FNMA 1007 / FNMA 216   is missing in file supporting rent estimate of $1,386.95 used in qualifying. Appraiser has commented on the Arms-length transaction. Seller-xxxx - uploaded operating agreement –no relationship with borrower     10/XX/2021     A 1 XXXXXXXXXX FL I 1 A   A   A   A   A   A   A   A     Exempt 1
1272014 XXXXXXXXXX XXXXXXXXXX 6145509 432 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Evidence of downpayment missing/incomplete   Provide evidence Earnest Money Deposit of $5500 has cleared borrowers bank account. Received     10/XX/2021     A 1 XXXXXXXXXX TX I 1 A   A   A   A   A   A   A   A     Exempt 1
1272014 XXXXXXXXXX XXXXXXXXXX 6145515 338 XXXXXXXXXX Credit UW Other   UW Other - UW - Contract approval incomplete/not current   Per Declarations on 1003, borrower is a note co-signor.  Provide copy of this note. Marked 1003 in error.     10/XX/2021     A 1 XXXXXXXXXX TX I 1 A   A   A   A   A   A   A   A     Exempt 1
1272040 XXXXXXXXXX XXXXXXXXXX 6139793 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   UW - Second collateral evaluation is required. COMMENT CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   A   A   A   A   C   A     Exempt 1
1272054 XXXXXXXXXX XXXXXXXXXX 6112137 420 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraiser License to meet guides   Appraiser License expired XXXXXX before closing date XXXXXX; document received     08/XX/2021     A 1 XXXXXXXXXX CA I 13 A   A   A   A   A   A   A   A     Temporary QM Safe Harbor 1
1272054 XXXXXXXXXX XXXXXXXXXX 6112138 422 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Legible report/photos required   appraisal missing color photos. document received     08/XX/2021     A 1 XXXXXXXXXX CA I 13 A   A   A   A   A   A   A   A     Temporary QM Safe Harbor 1
1272060 XXXXXXXXXX XXXXXXXXXX 6142167 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX DC I 1 C   A   A   A   A   A   C   A     Exempt 1
1272063 XXXXXXXXXX XXXXXXXXXX 6112190 441 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing Business Tax Returns   Only the 1st page of the XXXXXX for XXXXXX. was found in imaging. Unable to calculate income from this business without the full 2019 XXXXXX document received     08/XX/2021     A 1 XXXXXXXXXX CA I 1 D   A   D   A   A   A   A   A     Exempt 1
1272063 XXXXXXXXXX XXXXXXXXXX 6112191 387 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Taxes and Insurance documentation   Missing the property tax statement for the rental property located at XXXXXX XXXXXX. received     08/XX/2021     A 1 XXXXXXXXXX CA I 1 D   A   D   A   A   A   A   A     Exempt 1
1272074 XXXXXXXXXX XXXXXXXXXX 6142174 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 13 B   A   B   A   A   A   A   A     Temporary QM Safe Harbor 1
1272077 XXXXXXXXXX XXXXXXXXXX 6141793 1108 09/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Loan originated with PIW. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     B 1 07/XX/2021 CA I 13 C   B   A   A   A   A   C   B   Temporary QM Safe Harbor 1
1272083 XXXXXXXXXX XXXXXXXXXX 6142179 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 B   A   B   A   A   A   A   A     Exempt 1
1272083 XXXXXXXXXX XXXXXXXXXX 6112288 247 XXXXXXXXXX Credit VOE - verbal or FNMA 1005   VOE - verbal or FNMA 1005 - Verbal VOE is NOT dated within 10 days prior to closing date   Verbal VOE is NOT dated within 10 days prior to closing date.     Reviewer 08/XX/2021 07:16 PM; The VOE states self-employment was confirmed through a CPA. Please provide the letter from the CPA or the borrower's business license. 08/XX/2021     A 1 XXXXXXXXXX CA I 3 B   A   B   A   A   A   A   A     Exempt 1
1272091 XXXXXXXXXX XXXXXXXXXX 6112339 345 XXXXXXXXXX Credit UW Other   UW Other - UW - Occupancy Discrepancy/Misrep   Missing corrected 1003 to reflect non occupancy for the subject in declarations pages document received     08/XX/2021     A 1 XXXXXXXXXX CA I 13 D   A   D   A   A   A   A   A     Temporary QM Safe Harbor 1
1272091 XXXXXXXXXX XXXXXXXXXX 6112340 1006 XXXXXXXXXX Credit UW Approval   UW Approval - UW Approval - 1008 or 92900 LT missing   Missing correct 1008 that matches DU with proposed housing expense as primary and corrected ratios used to qualify 18.57%/36.53% document received     08/XX/2021     A 1 XXXXXXXXXX CA I 13 D   A   D   A   A   A   A   A     Temporary QM Safe Harbor 1
1272091 XXXXXXXXXX XXXXXXXXXX 6112341 771 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Inquiry Letter in file addressing all inquiries within the last 90 days   Missing letter of explanation for Inquiries on report. document received     08/XX/2021     A 1 XXXXXXXXXX CA I 13 D   A   D   A   A   A   A   A     Temporary QM Safe Harbor 1
1272094 XXXXXXXXXX XXXXXXXXXX 6142181 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX GA I 1 A   A   A   A   A   A   A   A     Exempt 1
1272097 XXXXXXXXXX XXXXXXXXXX 6140475 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX AZ I 1 C   A   A   A   A   A   C   A     Exempt 1
1272100 XXXXXXXXXX XXXXXXXXXX 6142182 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX WA I 13 C   A   A   A   A   A   C   A     Temporary QM Safe Harbor 1
1272103 XXXXXXXXXX XXXXXXXXXX 6140755 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX IL I 13 C   A   B   A   A   A   C   A     Temporary QM Safe Harbor 1
1272103 XXXXXXXXXX XXXXXXXXXX 6112399 867 XXXXXXXXXX Credit 4506   4506 - Other:   In 4506-C, Line 7 should be checked as Transcript requested reflecting on 4506-C is W-2.       08/XX/2021     A 1 XXXXXXXXXX IL I 13 C   A   B   A   A   A   C   A     Temporary QM Safe Harbor 1
1272117 XXXXXXXXXX XXXXXXXXXX 6112466 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           08/XX/2021     A 1 XXXXXXXXXX FL I 1 C   A   A   A   C   A   A   A     Exempt 1
1272117 XXXXXXXXXX XXXXXXXXXX 6112467 975 XXXXXXXXXX Compliance Compliance   Compliance - CD- Payee Name missing or incorrect   Payee name missing for XXXXXX in section-E and also Payee name showing XXXXXX for xxx Commission and Utility Bill Fee in XXXXXX. Please provide correct PCCD for the same.       08/XX/2021     A 1 XXXXXXXXXX FL I 1 C   A   A   A   C   A   A   A     Exempt 1
1272117 XXXXXXXXXX XXXXXXXXXX 6142188 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX FL I 1 C   A   A   A   C   A   A   A     Exempt 1
1272120 XXXXXXXXXX XXXXXXXXXX 6141796 1108 09/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Loan originated with PIW. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 07/XX/2021 CO I 3 C   B   B   A   A   A   C   B   Exempt 1
1272120 XXXXXXXXXX XXXXXXXXXX 6112483 867 07/XX/2021 Credit 4506   4506 - Other:   4506C line 7 need to be Check if requesting transcripts of income reported on W2 form.       08/XX/2021     A 1 07/XX/2021 CO I 3 C   B   B   A   A   A   C   B   Exempt 1
1272120 XXXXXXXXXX XXXXXXXXXX 6204555 272 10/XX/2021 Valuation UW Collateral   UW Collateral - UW - Appraisal Other   Loan qualified using PIW.   PIW is acceptable, no additional concerns.       10/XX/2021 B 2 07/XX/2021 CO I 3 C   B   B   A   A   A   C   B   Exempt 1
1272123 XXXXXXXXXX XXXXXXXXXX 6112499 433 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Short funds to close   The XXXXXX XXXXXX statements (checking & savings) are missing supporting account balance of $39,536.17 & 14,000 respectively. document received. Verified $134,341 from XXXXXX XXXXXX #XXXXXX. Principal $104.710.80 Retirement. No requirement for liquidation AUS run with corrected assets     08/XX/2021     A 1 XXXXXXXXXX CO I 1 C   A   C   A   A   A   A   A     Exempt 1
1272126 XXXXXXXXXX XXXXXXXXXX 6145403 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "05/XX/2021" or prior signed by the borrowers. Information Provided     10/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   C   A   A   A     Exempt 1
1272137 XXXXXXXXXX XXXXXXXXXX 6142195 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX WA I 1 C   A   A   A   A   A   C   A     Exempt 1
1272140 XXXXXXXXXX XXXXXXXXXX 6112585 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           08/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   B   A   C   A   A   A     Exempt 1
1272140 XXXXXXXXXX XXXXXXXXXX 6112586 967 XXXXXXXXXX Credit Compliance   Compliance - CD- Dated incorrectly (Issue Date, Closing Date, Disbursement Date)   Funding date 06/XX/2021 is prior to the consummation date 06/XX/2021 in final CD dated 06/XX/2021. Please provide the correct PCCD for the same.       08/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   B   A   C   A   A   A     Exempt 1
1272143 XXXXXXXXXX XXXXXXXXXX 6142198 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 13 A   A   A   A   A   A   A   A     Temporary QM Safe Harbor 1
1272157 XXXXXXXXXX XXXXXXXXXX 6142203 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CO I 13 A   A   A   A   A   A   A   A     Temporary QM Safe Harbor 1
1272160 XXXXXXXXXX XXXXXXXXXX 6142204 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   A   A   A   A   C   A     Exempt 1
1272174 XXXXXXXXXX XXXXXXXXXX 6141801 1108 09/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Loan originated with PIW. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     B 1 06/XX/2021 CA I 3 C   B   A   A   A   A   C   B   Exempt 1
1272229 XXXXXXXXXX XXXXXXXXXX 6142220 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX NY I 3 C   A   A   A   C   A   C   A     Exempt 1
1272229 XXXXXXXXXX XXXXXXXXXX 6152305 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "06/XX/2021" or prior signed by the borrowers. Information Provided     10/XX/2021     A 1 XXXXXXXXXX NY I 3 C   A   A   A   C   A   C   A     Exempt 1
1272240 XXXXXXXXXX XXXXXXXXXX 6113014 868 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - Other:   Policy number is missing on Document.       08/XX/2021     A 1 XXXXXXXXXX ID I 1 C   A   C   A   A   A   A   A     Exempt 1
1272243 XXXXXXXXXX XXXXXXXXXX 6139753 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   UW - Second collateral evaluation is required. COMMENT No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX OR I 13 C   A   A   A   A   A   C   A     Temporary QM Safe Harbor 1
1272246 XXXXXXXXXX XXXXXXXXXX 6142222 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX OK I 1 C   A   A   A   A   A   C   A     Exempt 1
1272249 XXXXXXXXXX XXXXXXXXXX 6145864 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     10/XX/2021     A 1 XXXXXXXXXX TX I 1 A   A   A   A   A   A   A   A     Exempt 1
1272249 XXXXXXXXXX XXXXXXXXXX 6145865 970 XXXXXXXXXX Compliance Compliance   Compliance - CD- Missing   Missing initial CD issued and received by borrower 3 days prior to consummation date (07/XX/2021). Information Provided   Reviewer 09/XX/2021 06:54 AM; Outstanding. 10/XX/2021     A 1 XXXXXXXXXX TX I 1 A   A   A   A   A   A   A   A     Exempt 1
1272249 XXXXXXXXXX XXXXXXXXXX 6145866 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent from "06/XX/2021" or prior signed by the borrower. Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 A   A   A   A   A   A   A   A     Exempt 1
1272249 XXXXXXXXXX XXXXXXXXXX 6130293 9 XXXXXXXXXX Credit Application   Application - is missing   Initial 1003 is missing. Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 A   A   A   A   A   A   A   A     Exempt 1
1272249 XXXXXXXXXX XXXXXXXXXX 6130294 875 XXXXXXXXXX Compliance Disclosure   Disclosure - Other:   Borrower's Intent to Proceed with Application is missing. Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 A   A   A   A   A   A   A   A     Exempt 1
1272266 XXXXXXXXXX XXXXXXXXXX 6142229 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX RI I 1 C   A   A   A   A   A   C   A     Exempt 1
1272269 XXXXXXXXXX XXXXXXXXXX 6142230 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX CO I 3 C   A   C   A   C   A   C   A     Exempt 1
1272269 XXXXXXXXXX XXXXXXXXXX 6113105 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent from "05/XX/2021" or prior signed by the borrower       08/XX/2021     A 1 XXXXXXXXXX CO I 3 C   A   C   A   C   A   C   A     Exempt 1
1272269 XXXXXXXXXX XXXXXXXXXX 6113106 868 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - Other:   Effective date on Hazard Insurance is 07/XX/2021 however Funding date is 06/XX/2021 which is prior to the Policy effective date.       08/XX/2021     A 1 XXXXXXXXXX CO I 3 C   A   C   A   C   A   C   A     Exempt 1
1272280 XXXXXXXXXX XXXXXXXXXX 6113148 437 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete Verbal VOE   Incomplete Verbal VOEs for B1 and B2. Does not indicate if still actively employed. document received     08/XX/2021     A 1 XXXXXXXXXX MI I 1 D   A   D   A   A   A   C   A     Exempt 1
1272280 XXXXXXXXXX XXXXXXXXXX 6142233 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX MI I 1 D   A   D   A   A   A   C   A     Exempt 1
1272286 XXXXXXXXXX XXXXXXXXXX 6113190 913 XXXXXXXXXX Compliance Compliance   Compliance - Pending Completion of ComplianceEase/TRID Monitor Report.  Additional conditions may apply.     Auto-Cleared Compliance Testing Complete     07/XX/2021     A 1 XXXXXXXXXX MD I 1 C   A   A   A   C   A   A   A     Exempt 1
1272289 XXXXXXXXXX XXXXXXXXXX 6142237 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX CO I 13 C   A   A   A   C   A   C   A     Temporary QM Safe Harbor 1
1272289 XXXXXXXXXX XXXXXXXXXX 6148314 901 XXXXXXXXXX Compliance Compliance   Compliance - TRID Other   SSPL is missing in file. Information Provided     10/XX/2021     A 1 XXXXXXXXXX CO I 13 C   A   A   A   C   A   C   A     Temporary QM Safe Harbor 1
1272289 XXXXXXXXXX XXXXXXXXXX 6148315 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     10/XX/2021     A 1 XXXXXXXXXX CO I 13 C   A   A   A   C   A   C   A     Temporary QM Safe Harbor 1
1272306 XXXXXXXXXX XXXXXXXXXX 6142242 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX GA I 1 C   A   A   A   A   A   C   A     Exempt 1
1272329 XXXXXXXXXX XXXXXXXXXX 6113327 459 XXXXXXXXXX Compliance Note   Note - is missing - No Image of Note found in file   Need signed copy of Note, copy in the file is not signed       08/XX/2021     A 1 XXXXXXXXXX FL I 1 A   A   A   A   A   A   A   A     Exempt 1
1272343 XXXXXXXXXX XXXXXXXXXX 6113364 875 08/XX/2021 Compliance Disclosure   Disclosure - Other:   taxpayer consent form missing       08/XX/2021     A 1 07/XX/2021 TX I 1 C   B   A   A   C   B   A   A     Exempt 1
1272343 XXXXXXXXXX XXXXXXXXXX 6151049 902 09/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.             10/XX/2021   B 2 07/XX/2021 TX I 1 C   B   A   A   C   B   A   A     Exempt 1
1272343 XXXXXXXXXX XXXXXXXXXX 6151180 986 09/XX/2021 Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "06/XX/2021" or prior signed by the borrowers. Information Provided     09/XX/2021     A 1 07/XX/2021 TX I 1 C   B   A   A   C   B   A   A     Exempt 1
1272343 XXXXXXXXXX XXXXXXXXXX 6151183 970 09/XX/2021 Compliance Compliance   Compliance - CD- Missing   Missing Initial CD issued and received by borrower 3 days prior to consummation.     Reviewer 09/XX/2021 12:34 PM; No documentation provided   10/XX/2021   B 2 07/XX/2021 TX I 1 C   B   A   A   C   B   A   A     Exempt 1
1272343 XXXXXXXXXX XXXXXXXXXX 6156849 336 09/XX/2021 Credit UW Income/Employment   UW Income/Employment - UW - Income Other   Previous verification of employment/income is missing in file for XXXXXX XXXXXX from XXXXXX XXXXXX. Doc received     09/XX/2021     A 1 07/XX/2021 TX I 1 C   B   A   A   C   B   A   A     Exempt 1
1272343 XXXXXXXXXX XXXXXXXXXX 6156865 320 09/XX/2021 Credit UW Assets   UW Assets - UW - Asset Other   Provide bank statements from XXXXXX XXXXXX XXXXXX XXXXXXX supporting account balance of $104,265.68 as the statements are missing in file. Doc received     09/XX/2021     A 1 07/XX/2021 TX I 1 C   B   A   A   C   B   A   A     Exempt 1
1272343 XXXXXXXXXX XXXXXXXXXX 6156866 320 09/XX/2021 Credit UW Assets   UW Assets - UW - Asset Other   Provide bank statements from XXXXXX XXXXXX and XXXXXX XXXXXX supporting account balance of $18,899.49 as the statements are missing in file. Doc received     09/XX/2021     A 1 07/XX/2021 TX I 1 C   B   A   A   C   B   A   A     Exempt 1
1272343 XXXXXXXXXX XXXXXXXXXX 6136567 9 09/XX/2021 Credit Application   Application - is missing   Borrower(XXXXXX XXXXXX) and Co-Borrower(XXXXXX XXXXXX) initial 1003 is missing in file. Information Provided     09/XX/2021     A 1 07/XX/2021 TX I 1 C   B   A   A   C   B   A   A     Exempt 1
1272352 XXXXXXXXXX XXXXXXXXXX 6155527 327 09/XX/2021 Credit UW Credit   UW Credit - UW - Satisfactory 12 mth Rental   Most recent 12 months verification of rent was not provided for borrowers current residence located at xxx to reflect Ox30   Waiver exception: DTI back end is 38.118%, Cash Reserves: Total/Months PITI- $63,027.01 / 37. FICO 760,. The Bank Statements provided reflect payments/withdrawals of $4200.00 in the months of May, June & July. Final 1003 states monthly rental is $4200.00. LOE in the file in reference to The xxx state the borrower provided a 12 month statement 0 x 30. Client 10/XX/2021 10:30 AM; The Bank Statements provided reflect payments/withdrawals of $4200.00 in the months of May, June &amp; July.  Final 1003 states monthly rental is $4200.00.  LOE in the file in reference to The xxx state the borrower provided a 12 month statement 0 x 30.&#x0D;
Waiver Request: DTI back end is 38.118%, Cash Reserves: Total/Months PITI- $63,027.01 / 37.  FICO 760,.&#x0D;


 Reviewer 10/XX/2021 03:14 PM; exception noted 		    10/XX/2021 B 2 07/XX/2021 TX I 1 A   B   A   B   A   A   A   A     Exempt 1
1272366 XXXXXXXXXX XXXXXXXXXX 6113499 29 XXXXXXXXXX Valuation Appraisal   Appraisal - is missing   Missing the initial appraisal from the file only the 1004D cert is in the file       08/XX/2021     A 1 XXXXXXXXXX NY I 3 C   A   A   A   A   A   C   A     Exempt 1
1272366 XXXXXXXXXX XXXXXXXXXX 6113500 29 XXXXXXXXXX Valuation Appraisal   Appraisal - is missing   Required for ULDD Data Discrepancy  Appraisal Report is missing     Reviewer 08/XX/2021 07:00 AM; Required for ULDD Data Delivery: Appraisal report is still not received.     08/XX/2021     A 1 XXXXXXXXXX NY I 3 C   A   A   A   A   A   C   A     Exempt 1
1272366 XXXXXXXXXX XXXXXXXXXX 6142259 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX NY I 3 C   A   A   A   A   A   C   A     Exempt 1
1272369 XXXXXXXXXX XXXXXXXXXX 6142260 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX NY I 13 C   A   B   A   B   A   C   A     Temporary QM Safe Harbor 1
1272369 XXXXXXXXXX XXXXXXXXXX 6113517 978 XXXXXXXXXX Compliance Application   Application - Demographic Addendum - Missing or Incomplete   Demographic Information was provided through must be completed for borrower xxxxxx xxxxx     Reviewer 08/XX/2021 06:29 AM; Correction was not made to the demographic addendum provided for xxxxx. Condition remains open. 08/XX/2021     A 1 XXXXXXXXXX NY I 13 C   A   B   A   B   A   C   A     Temporary QM Safe Harbor 1
1272369 XXXXXXXXXX XXXXXXXXXX 6113518 199 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - Hazard insurance coverage is insufficient- Must cover the loan amount or estimated cost new, or policy to state guaranteed replacement cost   Hazard Insurance Coverage Is Insufficient. Dwelling Coverage Must be Equal to or Exceed The Loan Amount       08/XX/2021     A 1 XXXXXXXXXX NY I 13 C   A   B   A   B   A   C   A     Temporary QM Safe Harbor 1
1272372 XXXXXXXXXX XXXXXXXXXX 6113528 897 XXXXXXXXXX Compliance Compliance   Compliance - TRID CD- Other   In Page 4, loan disclosure "Demand Feature", "Negative Amortization", "Partial Payments" must be completed with appropriate box checked in last disclosed CD. PCCD is required with corrections.       08/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   B   A   C   A   A   A     Temporary QM Safe Harbor 1
1272372 XXXXXXXXXX XXXXXXXXXX 6113529 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           08/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   B   A   C   A   A   A     Temporary QM Safe Harbor 1
1272372 XXXXXXXXXX XXXXXXXXXX 6113530 967 XXXXXXXXXX Credit Compliance   Compliance - CD- Dated incorrectly (Issue Date, Closing Date, Disbursement Date)   Funding/Disbursement date 07/XX/2021 is prior to Consummation date 07/XX/2021. PCCD is required with corrections.       08/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   B   A   C   A   A   A     Temporary QM Safe Harbor 1
1272372 XXXXXXXXXX XXXXXXXXXX 6113531 970 XXXXXXXXXX Compliance Compliance   Compliance - CD- Missing   Missing CD issued and received by borrower 3 days prior to consummation.     Reviewer 08/XX/2021 11:46 AM; Received Tracking, however the initial CD has not been provided.  Please upload the initial CD 08/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   B   A   C   A   A   A     Temporary QM Safe Harbor 1
1272375 XXXXXXXXXX XXXXXXXXXX 6137167 875 XXXXXXXXXX Compliance Disclosure   Disclosure - Other:   Borrower's Intent to Proceed with Application is missing in file. Information Provided     10/XX/2021     A 1 XXXXXXXXXX LA I 1 C   A   A   A   C   A   C   A     Exempt 1
1272375 XXXXXXXXXX XXXXXXXXXX 6142263 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX LA I 1 C   A   A   A   C   A   C   A     Exempt 1
1272375 XXXXXXXXXX XXXXXXXXXX 6149070 891 XXXXXXXXXX Compliance Compliance   Compliance - TRID LE-  Initial LE not disclosed within 3 days of Application   LE in file dated (04/XX/2021) not disclosed within 3 days of Loan Application date. Kindly provide LE within 3 days of Loan Application. Information Provided     10/XX/2021     A 1 XXXXXXXXXX LA I 1 C   A   A   A   C   A   C   A     Exempt 1
1272375 XXXXXXXXXX XXXXXXXXXX 6149071 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     10/XX/2021     A 1 XXXXXXXXXX LA I 1 C   A   A   A   C   A   C   A     Exempt 1
1272386 XXXXXXXXXX XXXXXXXXXX 6142268 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   A   A   C   A     Exempt 1
1272389 XXXXXXXXXX XXXXXXXXXX 6142270 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   A   A   C   A     Exempt 1
1272392 XXXXXXXXXX XXXXXXXXXX 6142271 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   A   A   A   A   C   A     Temporary QM Safe Harbor 1
1272395 XXXXXXXXXX XXXXXXXXXX 6113622 387 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Taxes and Insurance documentation   Mortgage statement for current primary home is missing from file to verify escrows. document received     08/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   A   A   A   A     Exempt 1
1272395 XXXXXXXXXX XXXXXXXXXX 6113623 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   Breakout of 2019 bonus income is missing from file.  AUS needs YTD plus 2 years to use. document received     08/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   A   A   A   A     Exempt 1
1272395 XXXXXXXXXX XXXXXXXXXX 6113624 339 XXXXXXXXXX Credit UW Other   UW Other - UW - Data Input Error   Final AUS and appraisal report for appraised value not matching.  Appraised value $756,000.  AUS and 1003 $755,000. document received     08/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   A   A   A   A     Exempt 1
1272406 XXXXXXXXXX XXXXXXXXXX 6113671 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           08/XX/2021     A 1 XXXXXXXXXX TX I 1 D   A   D   A   C   A   A   A     Exempt 1
1272406 XXXXXXXXXX XXXXXXXXXX 6113672 920 XXXXXXXXXX Compliance Compliance   Compliance - TRID-Missing Final CD   Final CD is missing in the File.     Reviewer 08/XX/2021 10:18 AM; Final Cd signed 6/xx is not legible.  Areas are blacked out and figures are fuzzy.  Please provide a legible copy of the final CD 6/xx 08/XX/2021     A 1 XXXXXXXXXX TX I 1 D   A   D   A   C   A   A   A     Exempt 1
1272406 XXXXXXXXXX XXXXXXXXXX 6113673 920 XXXXXXXXXX Compliance Compliance   Compliance - TRID-Missing Final CD           08/XX/2021     A 1 XXXXXXXXXX TX I 1 D   A   D   A   C   A   A   A     Exempt 1
1272406 XXXXXXXXXX XXXXXXXXXX 6113677 389 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Fraud Alert documentation   **Missing acceptable lender certification for Fraud victim alert on xxx credit report - Fraud alert has not been addressed in file document received     08/XX/2021     A 1 XXXXXXXXXX TX I 1 D   A   D   A   C   A   A   A     Exempt 1
1272406 XXXXXXXXXX XXXXXXXXXX 6113678 378 XXXXXXXXXX Credit UW Other   UW Other - UW - Initial/Final 1003 incomplete/missing   ** Missing corrected final 1003s/ loan applications for both borrowers, xxx and xxx, disclosing the properties @ xxx and xxx in Section 3 / REO section of loan application with disclosure of mortgages with NRL document received     08/XX/2021     A 1 XXXXXXXXXX TX I 1 D   A   D   A   C   A   A   A     Exempt 1
1272406 XXXXXXXXXX XXXXXXXXXX 6113679 387 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Taxes and Insurance documentation   Missing acceptable documentation to support the hoa for xxx is not greater than $30 per month. document received     08/XX/2021     A 1 XXXXXXXXXX TX I 1 D   A   D   A   C   A   A   A     Exempt 1
1272406 XXXXXXXXXX XXXXXXXXXX 6142276 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) cda received and within tolerance     10/XX/2021     A 1 XXXXXXXXXX TX I 1 D   A   D   A   C   A   A   A     Exempt 1
1272418 XXXXXXXXXX XXXXXXXXXX 6142280 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   A   A   C   A     Exempt 1
1272426 XXXXXXXXXX XXXXXXXXXX 6142283 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX NJ I 13 C   A   A   A   A   A   C   A     Temporary QM Safe Harbor 1
1272435 XXXXXXXXXX XXXXXXXXXX 6142286 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX NJ I 13 C   A   A   A   A   A   C   A     Temporary QM Safe Harbor 1
1272449 XXXXXXXXXX XXXXXXXXXX 6113828 436 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete VOE   Sections 3, 4, and 5 of VOEs in file are blank and need completed. document received     08/XX/2021     A 1 XXXXXXXXXX NJ I 1 D   A   D   A   A   A   A   A     Exempt 1
1272455 XXXXXXXXXX XXXXXXXXXX 6142289 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX UT I 1 C   A   A   A   A   A   C   A     Exempt 1
1276190 XXXXXXXXXX XXXXXXXXXX 6160414 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX CA I 3 D   A   C   A   A   A   D   A     Exempt 1
1276190 XXXXXXXXXX XXXXXXXXXX 6132982 262 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW -  Appraisal Report Missing   Unable to OPEN the document to review the FULL appraisal, please re upload to TDOC all pages and return to the Underwriter for review, Must support the AUS findings of $xxxK value with Original colored Photos of subject and COMPS. documentation provided     07/XX/2021     A 1 XXXXXXXXXX CA I 3 D   A   C   A   A   A   D   A     Exempt 1
1276190 XXXXXXXXXX XXXXXXXXXX 6132983 1021 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Provide proof of payment for tax liablity shown on tax return extension   MISSING Proof of payment to the IRS in the amount of $5150.00 as a result of 2019 tax returns owed.       07/XX/2021     A 1 XXXXXXXXXX CA I 3 D   A   C   A   A   A   D   A     Exempt 1
1276196 XXXXXXXXXX XXXXXXXXXX 6133037 867 XXXXXXXXXX Credit 4506   4506 - Other:   In 4506-C line-7 is not checked.       07/XX/2021     A 1 XXXXXXXXXX WA I 1 D   A   B   A   A   A   D   A     Exempt 1
1276196 XXXXXXXXXX XXXXXXXXXX 6133040 422 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Legible report/photos required   Missing color photos for appraisal. received   Reviewer 07/XX/2021 11:40 AM; Photos sent were of smoke detectors, not full color photos

 Reviewer 08/XX/2021 11:10 AM; Appraisal is in black and white, UW is requesting a color copy of the appraisal		 09/XX/2021     A 1 XXXXXXXXXX WA I 1 D   A   B   A   A   A   D   A     Exempt 1
1276196 XXXXXXXXXX XXXXXXXXXX 6160416 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX WA I 1 D   A   B   A   A   A   D   A     Exempt 1
1276199 XXXXXXXXXX XXXXXXXXXX 6133065 967 XXXXXXXXXX Credit Compliance   Compliance - CD- Dated incorrectly (Issue Date, Closing Date, Disbursement Date)   Disbursement/Funding Date "06/XX/2021" is prior to the Consummation Date "06/XX/2021" on CD Dated "06/XX/2021"     Reviewer 08/XX/2021 09:44 AM; outstanding 08/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   A   A   A   A     Exempt 1
1276199 XXXXXXXXXX XXXXXXXXXX 6133069 1015 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - IRS Transcripts required   2020 tax transcripts required for rental income are missing, document received     09/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   A   A   A   A     Exempt 1
1276202 XXXXXXXXXX XXXXXXXXXX 6133106 431 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing   Unable to verify xxx account xxx stocks iao $1,203,356.00. document received     08/XX/2021     A 1 XXXXXXXXXX WA I 13 D   A   D   A   A   A   C   A     Temporary QM Safe Harbor 1
1276202 XXXXXXXXXX XXXXXXXXXX 6160419 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX WA I 13 D   A   D   A   A   A   C   A     Temporary QM Safe Harbor 1
1276213 XXXXXXXXXX XXXXXXXXXX 6141832 1108 09/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Loan originated with PIW. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 05/XX/2021 ID I 3 C   B   A   A   A   A   C   B   Exempt 1
1276213 XXXXXXXXXX XXXXXXXXXX 6204427 272 10/XX/2021 Valuation UW Collateral   UW Collateral - UW - Appraisal Other   Loan qualified using PIW.   PIW acceptable, no additional concerns.       10/XX/2021 B 2 05/XX/2021 ID I 3 C   B   A   A   A   A   C   B   Exempt 1
1276216 XXXXXXXXXX XXXXXXXXXX 6133203 325 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Net Rental Income Incorrect   Missing leases or Tax return to document rental income for 3 REO xxx; xxx; xxx. These properties were not included in 2020 1040 Sched E. per property report, borrower does not own property   Reviewer 08/XX/2021 11:40 AM; leased for xxx ave has expired verify if property is still being rented 09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   C   A     Exempt 1
1276216 XXXXXXXXXX XXXXXXXXXX 6133204 758 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit - PITIA for other REO incorrect/not included in debt ratio   Missing mortgage statements, Tax and HOI documentation for other REO to confirm PITIA to include in DTI. document received     08/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   C   A     Exempt 1
1276216 XXXXXXXXXX XXXXXXXXXX 6160427 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   C   A     Exempt 1
1276236 XXXXXXXXXX XXXXXXXXXX 6160433 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) CDA received within tolerance     10/XX/2021     A 1 XXXXXXXXXX MD I 1 A   A   A   A   A   A   A   A     Exempt 1
1276239 XXXXXXXXXX XXXXXXXXXX 6160435 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX PA I 3 C   A   C   A   A   A   C   A     Exempt 1
1276239 XXXXXXXXXX XXXXXXXXXX 6133330 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Closing Disclosure as documentation of the purchase of xxx (new primary residence) along with evidence of the  new mortgage w/xxx #xxx w/monthly PITIA payments of $8269.05 securing the property are missing. document received     08/XX/2021     A 1 XXXXXXXXXX PA I 3 C   A   C   A   A   A   C   A     Exempt 1
1276253 XXXXXXXXXX XXXXXXXXXX 6133380 913 08/XX/2021 Compliance Compliance   Compliance - Pending Completion of ComplianceEase/TRID Monitor Report.  Additional conditions may apply.     Auto-Cleared Compliance Testing Complete     08/XX/2021     A 1 07/XX/2021 CA I 3 C   B   C   B   C   A   A   A     Exempt 1
1276253 XXXXXXXXXX XXXXXXXXXX 6144694 330 09/XX/2021 Credit UW Credit   UW Credit - UW - Credit Other   The AUS is unacceptable. The AUS reflects Borrower's Proposed PITIA $1620.04 Income of $12,619.13, Present Housing Expense $2895.61, and Total Monthly Debts $4420.61; however, the Borrower's monthly Propose PITIA is $1514.67, income is $10,406.64, Present Housing Expense $2894.95, and Total Monthly Debt $2943.20 resulting in a DTI of 28% which outside of 3% tolerance.           10/XX/2021 B 2 07/XX/2021 CA I 3 C   B   C   B   C   A   A   A     Exempt 1
1276256 XXXXXXXXXX XXXXXXXXXX 6160439 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX TX I 3 C   A   A   A   A   A   C   A     Exempt 1
1276259 XXXXXXXXXX XXXXXXXXXX 6133397 913 XXXXXXXXXX Compliance Compliance   Compliance - Pending Completion of ComplianceEase/TRID Monitor Report.  Additional conditions may apply.     Auto-Cleared Compliance Testing Complete     08/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   A   A   C   A   A   A     Exempt 1
1276259 XXXXXXXXXX XXXXXXXXXX 6141852 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Loan originated with PIW. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   A   A   C   A   A   A     Exempt 1
1276966 XXXXXXXXXX XXXXXXXXXX 6145517 459 XXXXXXXXXX Compliance Note   Note - is missing - No Image of Note found in file   Note is missing for subject property Information Provided   Reviewer 09/XX/2021 01:50 PM; cannot open images

 Reviewer 10/XX/2021 09:15 AM; outstanding		 10/XX/2021     A 1 XXXXXXXXXX FL I 1 D   A   C   A   D   A   A   A     Exempt 1
1276966 XXXXXXXXXX XXXXXXXXXX 6147732 771 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Inquiry Letter in file addressing all inquiries within the last 90 days   xxxxx xxxxxx xxx/xxx-3/XX/2021 inquiry was not explained. Received   Reviewer 09/XX/2021 01:50 PM; cannot open images

 Client 10/XX/2021 01:11 PM; Please review uploaded LOX for inquiry to clear this condition.  Thank you.

 Reviewer 10/XX/2021 06:38 AM; deficiency cleared in Tdocs		 10/XX/2021     A 1 XXXXXXXXXX FL I 1 D   A   C   A   D   A   A   A     Exempt 1
1276983 XXXXXXXXXX XXXXXXXXXX 6151017 902 09/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.             10/XX/2021   B 2 08/XX/2021 CA I 13 C   B   A   A   C   B   A   A     Exempt 1
1276983 XXXXXXXXXX XXXXXXXXXX 6151018 970 09/XX/2021 Compliance Compliance   Compliance - CD- Missing   Initial CD is missing in file.     Client 10/XX/2021 02:40 PM; Please review uploaded doc labeled CD to clear this finding.  Thank you.

 Reviewer 10/XX/2021 02:57 PM;

 Reviewer 10/XX/2021 08:26 AM; Hello,&#x0D;
 Docs will be reviewed within 24 hours from upload.  Please only escalate if the doc was not reviewed within the 24 hour time frame given.  &#x0D;
Thanks!		   10/XX/2021   B 2 08/XX/2021 CA I 13 C   B   A   A   C   B   A   A     Exempt 1
1276983 XXXXXXXXXX XXXXXXXXXX 6151019 986 09/XX/2021 Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "07/XX/2021" or prior signed by the borrowers.     Client 10/XX/2021 02:41 PM; Please review uploaded Econsent to clear this finding.  Thank you.

 Reviewer 10/XX/2021 02:56 PM;

 Reviewer 10/XX/2021 08:26 AM; Hello,&#x0D;
 Docs will be reviewed within 24 hours from upload.  Please only escalate if the doc was not reviewed within the 24 hour time frame given.  &#x0D;
Thanks!		   10/XX/2021   B 2 08/XX/2021 CA I 13 C   B   A   A   C   B   A   A     Exempt 1
1276987 XXXXXXXXXX XXXXXXXXXX 6147320 850 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Escalated for 2nd review.   UW Qualifications UW – Escalated for 2nd review.  COMMENT: Audited DTI of  54.26%. DTI is verified per the audited income calculation. Total debt $2,634.73  / $4,856.08 qualifying income.  Verified DTI is outside of allowable AUS tolerance. Payoff stmt shows subject P&I at 734.28 vs workbook difference in final calculations of $143.29 increased AUS back ratio from 43.87 to 44.86% within tolerances.   Reviewer 09/XX/2021 01:58 PM; Cannot open document

 Client 10/XX/2021 02:22 PM; Please review uploaded final DU findings reflecting the $210 net rental income, DTI under 50% and an Approve / Eligible.  Please clear this finding.  Thank you.

 Reviewer 10/XX/2021 03:40 PM; AUS #9 still does not reflect corrected DTI

 Reviewer 10/XX/2021 08:44 AM; deficiency cleared 		10/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   A   A   A   A     Exempt 1
1282188 XXXXXXXXXX XXXXXXXXXX 6165174 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrowers electronically need e-consent form "08/XX/2021" or prior signed by the borrowers. Information Provided   Client 10/XX/2021 10:07 AM; Please review uploaded E-consent to clear this finding.  Thank you.

 Reviewer 10/XX/2021 10:43 AM; Thank you! Docs will be reviewed within 24 hours from upload.

 Reviewer 10/XX/2021 12:17 PM;

 Client 10/XX/2021 12:35 PM; Please review the uploaded eConsent dated 8/XX/21 to clear this finding.  Thank you.

 Reviewer 10/XX/2021 02:47 PM;

 Reviewer 10/XX/2021 04:35 PM;  Hello, TDocs uploaded will be reviewed within 24 hours from time of upload. Please only escalate if docs have not been reviewed within this time frame. Thank you, Kristin

 Reviewer 10/XX/2021 05:11 AM; Document provided does not confirm both borrowers consented to e-signing/disclosures.  Condition remains.		 10/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   C   A   A   A     Exempt 1
1190680 XXXXXXXXXX XXXXXXXXXX 5748984 902 06/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.             10/XX/2021   B 2 03/XX/2021 CA I 1 C   B   A   A   C   B   C   A     Exempt 1
1190680 XXXXXXXXXX XXXXXXXXXX 5748985 975 06/XX/2021 Compliance Compliance   Compliance - CD- Payee Name missing or incorrect   Payee name is "Deed" for City/County Tax/Stamps in Section E in CD dated 03/XX/2021. PCCD is required with corrections.         10/XX/2021   B 2 03/XX/2021 CA I 1 C   B   A   A   C   B   C   A     Exempt 1
1190680 XXXXXXXXXX XXXXXXXXXX 5782255 270 06/XX/2021 Valuation UW Collateral   UW Collateral - UW - Satisfactory 2nd Appraisal Report   Missing Clear Capital Collateral Desktop Analysis 'CDA' Report in file. CU Score 3.0 Information Provided     06/XX/2021     A 1 03/XX/2021 CA I 1 C   B   A   A   C   B   C   A     Exempt 1
1190680 XXXXXXXXXX XXXXXXXXXX 5784472 1055 06/XX/2021 Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   full credit report xxx #xxx dated 1-xx2021 is missing.       06/XX/2021     A 1 03/XX/2021 CA I 1 C   B   A   A   C   B   C   A     Exempt 1
1190918 XXXXXXXXXX XXXXXXXXXX 5767412 884 06/XX/2021 Compliance Compliance   Compliance - Pending Internal completion of compliance fee tests.  Additional conditions may apply.           10/XX/2021     A 1 03/XX/2021 CA I 1 C   B   A   A   C   B   C   A     Exempt 1
1190918 XXXXXXXXXX XXXXXXXXXX 5767413 898 06/XX/2021 Compliance Compliance   Compliance - TRID- Fee Tolerance Violation   Tolerance exceeded by $125 due to the increase in appraisal with no valid COC, please provide proof of refund, LOX and PCCD reflecting the cure         10/XX/2021   B 2 03/XX/2021 CA I 1 C   B   A   A   C   B   C   A     Exempt 1
1190918 XXXXXXXXXX XXXXXXXXXX 5782474 270 06/XX/2021 Valuation UW Collateral   UW Collateral - UW - Satisfactory 2nd Appraisal Report   Cu Score 5.0 - Pending Second Appraisal Information Provided     06/XX/2021     A 1 03/XX/2021 CA I 1 C   B   A   A   C   B   C   A     Exempt 1
1190918 XXXXXXXXXX XXXXXXXXXX 6182013 1061 10/XX/2021 Compliance Compliance   Compliance - TRID Fee Tolerance Violation cured more than 60 days post consummation     Per SFA scope, remediation for good faith fee tolerance violation made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2   Reviewer 10/XX/2021 03:02 PM; Per SFA scope, remediation for good faith fee tolerance violation made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2     10/XX/2021 B 2 03/XX/2021 CA I 1 C   B   A   A   C   B   C   A     Exempt 1
1191147 XXXXXXXXXX XXXXXXXXXX 5787344 431 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing   Unable to locate borrower asset statement for xxx acct #xxx to support savings acct balance of $4504.94. Received     10/XX/2021     A 1 XXXXXXXXXX CA I 1 D   A   D   A   C   A   A   A     Exempt 1
1191147 XXXXXXXXXX XXXXXXXXXX 5725983 913 XXXXXXXXXX Compliance Compliance   Compliance - Pending Completion of ComplianceEase/TRID Monitor Report.  Additional conditions may apply.     Auto-Cleared Compliance Testing Complete     04/XX/2021     A 1 XXXXXXXXXX CA I 1 D   A   D   A   C   A   A   A     Exempt 1
1191147 XXXXXXXXXX XXXXXXXXXX 5725984 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event           04/XX/2021     A 1 XXXXXXXXXX CA I 1 D   A   D   A   C   A   A   A     Exempt 1
1191181 XXXXXXXXXX XXXXXXXXXX 5789465 438 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing pay stub   File missing YTD pay stub from xxxxxxxx supporting monthly income $4333.33 Information Provided     06/XX/2021     A 1 XXXXXXXXXX CA I 3 D   A   D   A   A   A   A   A     Exempt 1
1191181 XXXXXXXXXX XXXXXXXXXX 5789470 438 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing pay stub   File missing current pay stub, must be dated after return to work from medical leave. Documentation has been provided.     Reviewer 07/XX/2021 01:32 PM; Borrower returned to work after the loan closed, need evidence of current income as previously was on a xxx. 09/XX/2021     A 1 XXXXXXXXXX CA I 3 D   A   D   A   A   A   A   A     Exempt 1
1191181 XXXXXXXXXX XXXXXXXXXX 5789474 324 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Debt Calculations Incorrect   AUS other payments $1075 does not match current credit report other payments total $6612.90, therefore DTI 49.27 is incorrect. 0   Reviewer 07/XX/2021 01:52 PM; DTI out of tolerance after including loss from xxxxxxx.   09/XX/2021     A 1 XXXXXXXXXX CA I 3 D   A   D   A   A   A   A   A     Exempt 1
1191181 XXXXXXXXXX XXXXXXXXXX 5789475 325 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Net Rental Income Incorrect   Calculated Neg net rental loss  on xxxxxx ave $1022.89, used 2019 tax returns Documentation has been provided.       07/XX/2021     A 1 XXXXXXXXXX CA I 3 D   A   D   A   A   A   A   A     Exempt 1
1191181 XXXXXXXXXX XXXXXXXXXX 5789476 326 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Evidence Satisfaction of Debt   File missing verification accounts paid in full debts omitted from xxxxx$xxx, xxxxx $xxxxxx, xxxxxx $xxxx, xxxxxx $xxxx, xxxxxxx $xxxxx     Reviewer 07/XX/2021 01:21 PM; Closing disclosure provided that showed xxxxxx paid in full - missing evidence xxxxx $xxx, xxxxx $xxx, xxxxxx $xxx and xxxxx $xxxxxxx paid in full.

 Client 09/XX/2021 07:57 AM; Can we pull a credit refresh to verify this?

 Reviewer 09/XX/2021 08:00 AM; yes a credit supplement would be acceptable

 Reviewer 09/XX/2021 07:46 PM; Provide evidence that these debts were paid in full outside of the closing.  

 Client 09/XX/2021 05:58 PM; The final CD for the simo cash-out refi of xxxxxx showing the debts were paid off is pgs. 15-18 of xxxx_Closing Disclosure_202107261809_055231.pdf uploaded on 7/27.&#x0D;


 Reviewer 09/XX/2021 09:13 AM; deficiency cleared		 09/XX/2021     A 1 XXXXXXXXXX CA I 3 D   A   D   A   A   A   A   A     Exempt 1
1191181 XXXXXXXXXX XXXXXXXXXX 5789477 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   File missing current mortgage statement to support PITI on xxxxxxxx not to exceed $1063.37 PITI listed on final closing disclosure provided.       07/XX/2021     A 1 XXXXXXXXXX CA I 3 D   A   D   A   A   A   A   A     Exempt 1
1191181 XXXXXXXXXX XXXXXXXXXX 5789479 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   File missing current mortgage statement to support PITI on xxxxxxxxxx not to exceed $2334.92 First payment letter provided to support PITI @ $1787.92.       07/XX/2021     A 1 XXXXXXXXXX CA I 3 D   A   D   A   A   A   A   A     Exempt 1
1191204 XXXXXXXXXX XXXXXXXXXX 5808515 272 06/XX/2021 Valuation UW Collateral   UW Collateral - UW - Appraisal Other   AVM variance is out of tolerance at 10.59%.   An acceptable third valuation is required. Information Provided     06/XX/2021     B 1 03/XX/2021 CO I 3 C   B   C   A   A   A   C   B   Exempt 1
1191204 XXXXXXXXXX XXXXXXXXXX 5808768 335 06/XX/2021 Credit UW Income/Employment   UW Income/Employment - UW - Income Calculation Incorrect   UW Income/Employment UW - Income Calculation Incorrect COMMENT: supply satisfactory evidence of Subject's HOA fees of $240 monthly documentation provided   Client 07/XX/2021 04:09 PM; A monthly payment coupon provided to xxxxxxxxx states $385.00 a month.  Using the $385.00 a month increases the DTI only 17.23% a 1.367% difference.

 Reviewer 07/XX/2021 01:49 PM; received amended AUS removing asset depletion income, still missing proof of HOA dues,

 Reviewer 07/XX/2021 01:50 PM; AUS shows $240 for HOA dues, no documentation provided, escalation notes state $385.

 Client 09/XX/2021 09:10 AM; Please review the following documents to determine if they cure the deficiency.  1) The LOE on pg. 1 of 0120017492_TDOC_Lane 17492 LOX_131122.pdf uploaded on 9/8; and 2) Pg. 36 of xxxx_Bank Statements_202103311352_014448.pdf uploaded on 5/xx which shows the $30,000 distribution taken in 2020 that is referred to in the LOX.

 Reviewer 09/XX/2021 09:24 AM; asset depletion cleared, only need evidence of HOA for subject

 Client 09/XX/2021 10:23 AM; The HOA dues are pg. 2 of  0120017492_TDOC_Lane 17492 LOX_131122.pdf uploaded on 9/8 and also xxxx_VOD or Asset Verification_202109081342_042424.pdf uploaded on 9/9.&#x0D;


 Reviewer 09/XX/2021 11:52 AM; condition cleared		 09/XX/2021     A 1 03/XX/2021 CO I 3 C   B   C   A   A   A   C   B   Exempt 1
1191204 XXXXXXXXXX XXXXXXXXXX 5823511 392 06/XX/2021 Credit UW Credit   UW Credit - UW - Debt Clarification   Supply the property address, and the new ratios to determine if  tolerance is met. Updated AUS provided - Condition has been cleared.       06/XX/2021     A 1 03/XX/2021 CO I 3 C   B   C   A   A   A   C   B   Exempt 1
1191233 XXXXXXXXXX XXXXXXXXXX 5855462 396 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Manual Credit Report Incomplete/Missing   Provide missing Credit Report Documentation has been provided.       09/XX/2021     A 1 XXXXXXXXXX GA I 1 D   A   D   A   A   A   A   A     Exempt 1
1191233 XXXXXXXXXX XXXXXXXXXX 5748532 90 XXXXXXXXXX Credit Credit Report   Credit Report - is missing   Provide Credit Report with Credit ID XXXX Information Provided     09/XX/2021     A 1 XXXXXXXXXX GA I 1 D   A   D   A   A   A   A   A     Exempt 1
1191356 XXXXXXXXXX XXXXXXXXXX 6090902 1061 09/XX/2021 Compliance Compliance   Compliance - TRID Fee Tolerance Violation cured more than 60 days post consummation     Per SFA scope, remediation for good faith fee tolerance violation made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = xxxx   Reviewer 10/XX/2021 11:53 AM; Per SFA scope, remediation for good faith fee tolerance violation made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = xxx     10/XX/2021 B 2 03/XX/2021 WA I 1 D   B   D   A   C   B   A   A     Exempt 1
1191356 XXXXXXXXXX XXXXXXXXXX 5727454 959 04/XX/2021 Credit Closing Package   Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect   ESCROW DISCLOSURE MISSING       04/XX/2021     A 1 03/XX/2021 WA I 1 D   B   D   A   C   B   A   A     Exempt 1
1191356 XXXXXXXXXX XXXXXXXXXX 5770011 898 06/XX/2021 Compliance Compliance   Compliance - TRID- Fee Tolerance Violation   xxxx% violation of $xxx due to increase in recording fee without a valid COC.  Please provide proof of refund, LOX to borrower and a PCCD reflecting cure.  All must be provided within 60 days of closing.     Reviewer 08/XX/2021 06:57 AM; Tdoc initial CD provided will not clear the deficiency. Condition remains open.

 Reviewer 09/XX/2021 09:00 AM; condition remains open.

 Reviewer 09/XX/2021 09:01 AM; No documentation provided.		 09/XX/2021     A 1 03/XX/2021 WA I 1 D   B   D   A   C   B   A   A     Exempt 1
1191356 XXXXXXXXXX XXXXXXXXXX 5770012 902 06/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           09/XX/2021     A 1 03/XX/2021 WA I 1 D   B   D   A   C   B   A   A     Exempt 1
1191356 XXXXXXXXXX XXXXXXXXXX 5804813 432 06/XX/2021 Credit UW Assets   UW Assets - UW - Evidence of downpayment missing/incomplete   Missing Evidence of EMD clearing bank account. Information Provided     09/XX/2021     A 1 03/XX/2021 WA I 1 D   B   D   A   C   B   A   A     Exempt 1
1191356 XXXXXXXXXX XXXXXXXXXX 5805036 336 06/XX/2021 Credit UW Income/Employment   UW Income/Employment - UW - Income Other   Lxxxx xxxxx xxx xxx reported of fraud report, was not disclosed or addressed. Not used to qualify     09/XX/2021     A 1 03/XX/2021 WA I 1 D   B   D   A   C   B   A   A     Exempt 1
1191367 XXXXXXXXXX XXXXXXXXXX 5761921 901 XXXXXXXXXX Compliance Compliance   Compliance - TRID Other   SSPL is missing in E-file. lender uploaded LOX that they don't provide the SPL and don't allow borrowers to shop for services. All services are non-shoppable and require testing as such once all other required documentation is recieved. Additional conditions may apply.   Reviewer 09/XX/2021 03:40 PM; Please provide complete  Service providers list

 Client 09/XX/2021 09:15 AM; lender uploaded they don't provide the SPL

 Reviewer 09/XX/2021 11:31 AM; lender uploaded LOX that they don't provide the SPL and don't allow borrowers to shop for services. All services are non-shoppable and require testing as such once all other required documentation is recieved.  Additional conditions may apply.

 Reviewer 09/XX/2021 11:35 AM; Hello, lender uploaded LOX that they don't provide the SPL and don't allow borrowers to shop for services. All services are non-shoppable and require testing as such once all other required documentation is received. Additional conditions may apply. Condition has been cleared. Thank you, xxx

 Reviewer 09/XX/2021 11:42 AM; 		09/XX/2021     A 1 XXXXXXXXXX MA I 13 C   A   A   A   C   A   A   A     Temporary QM Safe Harbor 1
1191367 XXXXXXXXXX XXXXXXXXXX 5761922 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.         Client 09/XX/2021 09:16 AM; lender uploaded the acknowledgement of receipt

 Reviewer 09/XX/2021 11:36 AM; Hello, Rec'd evidence of receipt of initial CD but need actual initial CD so that testing can be completed. Thank you, xxx

 Reviewer 09/XX/2021 11:42 AM; 		10/XX/2021     A 1 XXXXXXXXXX MA I 13 C   A   A   A   C   A   A   A     Temporary QM Safe Harbor 1
1191367 XXXXXXXXXX XXXXXXXXXX 5761923 970 XXXXXXXXXX Compliance Compliance   Compliance - CD- Missing   Missing Initial CD issued and received by borrowers 3 days prior to consummation date "04/XX/2021". Please provide the document. Information Provided   Reviewer 09/XX/2021 03:40 PM; outstanding

 Reviewer 09/XX/2021 11:29 AM; Rec'd evidence of receipt of initial CD but need actual initial CD so that testing can be completed.		 09/XX/2021     A 1 XXXXXXXXXX MA I 13 C   A   A   A   C   A   A   A     Temporary QM Safe Harbor 1
1191367 XXXXXXXXXX XXXXXXXXXX 6106539 898 XXXXXXXXXX Compliance Compliance   Compliance - TRID- Fee Tolerance Violation   0% tolerance violation in the amount of $600 for the addition of the Appraisal fee without a valid COC and 10% violation in the amount of $113.50 for the increase in the recording fee for a total Violation of $713.50. Please provide a PCCD reflecting full cure along with LOX and proof of $713.50 refund to the borrower.     Client 09/XX/2021 06:19 AM; lender uploaded the COC in the original file they borrower no longer qualified for the PIW so the had to get an appraisal.

 Reviewer 09/XX/2021 07:24 AM;

 Reviewer 09/XX/2021 12:07 PM; 10% violation in the amount of $113.50 for the increase in the recording fee. Please provide a PCCD reflecting full cure along with LOX and proof of $113.50 refund to the borrower within 60 days from consummation

 Reviewer 09/XX/2021 12:08 PM; Hello, &#x0D;
I've updated the condition. Loan is now only failing by the recording fee.  &#x0D;
Thanks, &#x0D;
xxx

 Reviewer 09/XX/2021 06:37 AM; escalated for review

 Reviewer 09/XX/2021 09:04 AM; Rec'd CoC for recording fee but no valid reason is given for the reason, it merely states 'New Deed will be recorded at closing'.

 Reviewer 10/XX/2021 10:54 AM; LOX and the same COC provided for the increase in the recording fee. Please provide a more detailed explanation for the increase in the recording fees.

 Client 10/XX/2021 06:45 AM; my lender did upload a detailed LOX , please advise as we still did not clear this.

 Reviewer 10/XX/2021 08:22 AM;

 Reviewer 10/XX/2021 04:19 PM; Hello,&#x0D;
 Condition has been cleared. Thanks, &#x0D;
xxxxx		 10/XX/2021     A 1 XXXXXXXXXX MA I 13 C   A   A   A   C   A   A   A     Temporary QM Safe Harbor 1
1191396 XXXXXXXXXX XXXXXXXXXX 5805317 309 XXXXXXXXXX Credit AUS   AUS - UW - AUS Credit Report Incomplete/Missing   Provide all pages of the credit report that matches the AUS. Documentation has been provided.       09/XX/2021     A 1 XXXXXXXXXX GA I 1 D   A   D   A   A   A   A   A     Exempt 1
1191396 XXXXXXXXXX XXXXXXXXXX 5805318 907 XXXXXXXXXX Credit UW Other   UW Other - UW – Closing Disclosure to evidence source of funds   AUS condition #20, provide the closing disclosure from sale of other property xxxx xx xxxx xxx to evidence net equity funds of $137,310. Documentation has been provided.       09/XX/2021     A 1 XXXXXXXXXX GA I 1 D   A   D   A   A   A   A   A     Exempt 1
1191396 XXXXXXXXXX XXXXXXXXXX 5805813 387 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Taxes and Insurance documentation   Provide the HOA policy with monthly payment. Documentation has been provided.       09/XX/2021     A 1 XXXXXXXXXX GA I 1 D   A   D   A   A   A   A   A     Exempt 1
1191473 XXXXXXXXXX XXXXXXXXXX 5728143 986 04/XX/2021 Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event           04/XX/2021     A 1 03/XX/2021 VA I 3 C   B   C   A   C   A   C   B   Exempt 1
1191473 XXXXXXXXXX XXXXXXXXXX 5728144 986 04/XX/2021 Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent from "02/XX/2021" or prior signed by the borrower       04/XX/2021     A 1 03/XX/2021 VA I 3 C   B   C   A   C   A   C   B   Exempt 1
1191473 XXXXXXXXXX XXXXXXXXXX 5811705 272 06/XX/2021 Valuation UW Collateral   UW Collateral - UW - Appraisal Other   AVM variance is out of tolerance at xxxx%.   An acceptable third valuation is required Positive variance. 3rd evaluation not required.     06/XX/2021     B 1 03/XX/2021 VA I 3 C   B   C   A   C   A   C   B   Exempt 1
1191473 XXXXXXXXXX XXXXXXXXXX 5811711 387 06/XX/2021 Credit UW Credit   UW Credit - UW - Taxes and Insurance documentation   Missing documentation of 2 new mortgages with xxx xxxxx xxxx showing new payment and proof they are escrowed. xxxx xxxxx xxx and xxx xxxxxxx xx. received   Client 09/XX/2021 08:35 AM; The 2 mortgages are reflecting on the xxxx xxxx statements and xxxxx statements attached to the closing package. The loan amounts and payment amounts match those statements. There was an error listing the debt as xxxxxxx xxxxxx, as that is who they originally closed with. There are not 2 new mortgages.

 Reviewer 09/XX/2021 11:22 AM; condition cleared		 09/XX/2021     A 1 03/XX/2021 VA I 3 C   B   C   A   C   A   C   B   Exempt 1
1191493 XXXXXXXXXX XXXXXXXXXX 5812627 436 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete VOE   COBORROWER xxxxx, AUS income submitted as xxxxx/mo(used amount on stubs as biweekly pay), employment verbal verifies principal at school district, Pay periods do not verify if biweekly, bimonthly or if they are paid 10 or 12months per year as this employment can be.  2019/2018 W2's support a lower income, and the stubs submitted are 10/XX/2020 and 10/XX/2020 then not another to 3/XX/2021 so if using 10/xx at 12mo that is in line with 2019/2018, using an average of 10mo for 2020/and 2019/2018 averages xxxxx/mo, WVOE verifying paystructure is not in file to verify received   0 09/XX/2021     A 1 XXXXXXXXXX CT I 3 D   A   D   A   A   A   A   A     Exempt 1
1191505 XXXXXXXXXX XXXXXXXXXX 5820086 433 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Short funds to close   Loan requires $xxxxxx in assets to close + $xxxxxx in assets to cover reserves per DU totaling $xxxxxx assets needed. Loan is short assets required to close totaling $xxxxxx & short $xxxxxxx funds to close + reserves. Only $xxxxxxx in assets were verified to close. documentation in file   Client 09/XX/2021 10:02 AM; 1) The xxxx xxxxx assets are from a new account opened on 3/xx that was uploaded on 5/xx as pgs. 18-22 &amp; 50 of xxx_Bank Statements_202104091832_121501.pdf.  2) The source of the deposits are from the cash-out refis of xxx xxxxx and xxxx xxxxx that were uploaded on 5/27 as pgs. 43-52 of xxxx_Closing Disclosure_202104091832_121510.pdf.&#x0D;


 Reviewer 09/XX/2021 11:47 AM; condition cleared		 09/XX/2021     A 1 XXXXXXXXXX FL I 1 C   A   C   A   A   A   C   A     Exempt 1
1191505 XXXXXXXXXX XXXXXXXXXX 5820092 333 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Inconsistent   LOX for discrepancy in xxxxx monthly base income is missing. Equifax Verification states $xxxxxx monthly income vs paystub which reflecting $xxxxx per month ($xxxxxxx annual). received   Client 09/XX/2021 05:32 PM; Condition is N/A.  Only $xxxxxx from the pay stubs was used to qualify which also received Day1C income validation with TWN #xxxxxxxx that did not expire prior to closing.

 Reviewer 09/XX/2021 08:28 AM; condition cleared		 09/XX/2021     A 1 XXXXXXXXXX FL I 1 C   A   C   A   A   A   C   A     Exempt 1
1191505 XXXXXXXXXX XXXXXXXXXX 5820171 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Appraisal Desk Review is missing. Fannie UCDP Risk score is 5. Documentation has been provided.       06/XX/2021     A 1 XXXXXXXXXX FL I 1 C   A   C   A   A   A   C   A     Exempt 1
1191505 XXXXXXXXXX XXXXXXXXXX 5820172 339 XXXXXXXXXX Credit UW Other   UW Other - UW - Data Input Error   Evidence of Flood Insurance is missing.     Client 07/XX/2021 11:50 AM; Flood insurance is on file.

 Reviewer 07/XX/2021 12:55 PM; condition cleared		 07/XX/2021     A 1 XXXXXXXXXX FL I 1 C   A   C   A   A   A   C   A     Exempt 1
1191505 XXXXXXXXXX XXXXXXXXXX 5728323 185 XXXXXXXXXX Credit Flood Certificate   Flood Certificate - Flood insurance is required - Flood policy missing   FLOOD POLICY MISSING     Reviewer 04/XX/2021 11:39 AM; need flood insurance dec page

 Reviewer 04/XX/2021 08:24 AM; rec'd flood insurance, please provide dec page for H/O ins 		04/XX/2021     A 1 XXXXXXXXXX FL I 1 C   A   C   A   A   A   C   A     Exempt 1
1191619 XXXXXXXXXX XXXXXXXXXX 5818692 389 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Fraud Alert documentation   Fraud Report shows xxxxx xxxxxx (xxxxx xxxx Employer) to be a possible match on the OFAC list.  Document/explain UW lox has been provided.  Condition has been cleared.       09/XX/2021     A 1 XXXXXXXXXX MA I 1 C   A   C   A   A   A   A   A     Exempt 1
1191619 XXXXXXXXXX XXXXXXXXXX 5818693 318 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Source of Large Deposit   Document/explain all deposits over xxxxx on all bank statements. Documentation has been provided.  Deposit was sourced from the borrower xxxxx account (statement has been provided in the file.)     09/XX/2021     A 1 XXXXXXXXXX MA I 1 C   A   C   A   A   A   A   A     Exempt 1
1191619 XXXXXXXXXX XXXXXXXXXX 5818697 320 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Other   Provide a paper trail of funds being used to close. Sufficient funds have been established to close.  Condition has been cleared.       09/XX/2021     A 1 XXXXXXXXXX MA I 1 C   A   C   A   A   A   A   A     Exempt 1
1191619 XXXXXXXXXX XXXXXXXXXX 5818698 397 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Inquiries not properly addressed   Provide a written explanation of all inquiries listed on the credit report. LQI report shows no new debt(s), inquiries were for mortgage companies or brokers shopping.  LOX from underwriter has been provided.       09/XX/2021     A 1 XXXXXXXXXX MA I 1 C   A   C   A   A   A   A   A     Exempt 1
1191619 XXXXXXXXXX XXXXXXXXXX 5818879 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Verify Borrower and Co-Borrowers social security numbers directly with the Social Security Administration.  Credit report and Fraud Report state they have not been issued or recently issued. Documentation has been provided.       09/XX/2021     A 1 XXXXXXXXXX MA I 1 C   A   C   A   A   A   A   A     Exempt 1
1191668 XXXXXXXXXX XXXXXXXXXX 5821415 270 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Satisfactory 2nd Appraisal Report   CDA required, CU Score 3 Information Provided     06/XX/2021     A 1 XXXXXXXXXX VA I 3 C   A   A   A   C   A   C   A     Exempt 1
1191668 XXXXXXXXXX XXXXXXXXXX 5729391 913 XXXXXXXXXX Compliance Compliance   Compliance - Pending Completion of ComplianceEase/TRID Monitor Report.  Additional conditions may apply.     Auto-Cleared Compliance Testing Complete     04/XX/2021     A 1 XXXXXXXXXX VA I 3 C   A   A   A   C   A   C   A     Exempt 1
1191668 XXXXXXXXXX XXXXXXXXXX 5729394 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event           04/XX/2021     A 1 XXXXXXXXXX VA I 3 C   A   A   A   C   A   C   A     Exempt 1
1191668 XXXXXXXXXX XXXXXXXXXX 5729395 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent from "01/XX/2021" or prior signed by the borrower".       04/XX/2021     A 1 XXXXXXXXXX VA I 3 C   A   A   A   C   A   C   A     Exempt 1
1191805 XXXXXXXXXX XXXXXXXXXX 5730317 913 04/XX/2021 Compliance Compliance   Compliance - Pending Completion of ComplianceEase/TRID Monitor Report.  Additional conditions may apply.     Auto-Cleared Compliance Testing Complete     04/XX/2021     A 1 04/XX/2021 NJ I 3 D   B   D   A   C   A   C   B   Exempt 1
1191805 XXXXXXXXXX XXXXXXXXXX 5810320 272 06/XX/2021 Valuation UW Collateral   UW Collateral - UW - Appraisal Other   AVM confidence score is out of tolerance at xxx%.   An acceptable third valuation is required Information Provided     06/XX/2021     B 1 04/XX/2021 NJ I 3 D   B   D   A   C   A   C   B   Exempt 1
1191805 XXXXXXXXXX XXXXXXXXXX 5810324 272 06/XX/2021 Valuation UW Collateral   UW Collateral - UW - Appraisal Other   AVM variance is out of tolerance at xxxx%.   An acceptable third valuation is required Information Provided     06/XX/2021     B 1 04/XX/2021 NJ I 3 D   B   D   A   C   A   C   B   Exempt 1
1191805 XXXXXXXXXX XXXXXXXXXX 5818964 272 06/XX/2021 Valuation UW Collateral   UW Collateral - UW - Appraisal Other   No AVM for PIW file Information Provided     06/XX/2021     B 1 04/XX/2021 NJ I 3 D   B   D   A   C   A   C   B   Exempt 1
1191805 XXXXXXXXXX XXXXXXXXXX 5818974 438 06/XX/2021 Credit UW Income/Employment   UW Income/Employment - UW - Missing pay stub   Missing Pay Stubs or WVOE WVOE received     07/XX/2021     A 1 04/XX/2021 NJ I 3 D   B   D   A   C   A   C   B   Exempt 1
1191805 XXXXXXXXXX XXXXXXXXXX 6067598 1109 08/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Third collateral evaluation is required.   Variance exceeded. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     B 1 04/XX/2021 NJ I 3 D   B   D   A   C   A   C   B   Exempt 1
1191860 XXXXXXXXXX XXXXXXXXXX 5824352 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "06/XX/2020" or prior signed by the borrower. Information Provided   Client 09/XX/2021 10:25 AM; Please review evidence of E-consent uploaded for this loan to clear this finding.  Thank you.

 Reviewer 09/XX/2021 12:42 PM; Hello,&#x0D;
 Docs will be reviewed shortly.  Thank you!

 Reviewer 09/XX/2021 01:58 PM; 		09/XX/2021     A 1 XXXXXXXXXX AZ I 13 D   A   C   A   C   A   D   A     Temporary QM Safe Harbor 1
1191860 XXXXXXXXXX XXXXXXXXXX 5826538 324 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Debt Calculations Incorrect   Solar Lease - for xxxx xxxxx xxxx - payment must be included in liabilities and the DTI - It appears the payment is xxxxx and he is in the xxx year of the lease. documentation provided   Client 09/XX/2021 12:39 PM; Per Fannie Mae guidelines the solar payment can be excluded if it provides delivery of a specific amount of energy at a fixed payment during a given period, and has a  production guarantee that compensates the borrower on a prorated basis in the event the solar panels fail to meet the energy output required for in the lease for that period. I have uploaded the lease agreement for your review.  Please clear this finding.  Thank you.  

 Reviewer 09/XX/2021 04:14 PM; condition waived		 09/XX/2021     A 1 XXXXXXXXXX AZ I 13 D   A   C   A   C   A   D   A     Temporary QM Safe Harbor 1
1191860 XXXXXXXXXX XXXXXXXXXX 5826539 326 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Evidence Satisfaction of Debt   Provide proof xxxxx xxxxxxx xxxxxxxx is Free and Clear received   Client 09/XX/2021 12:37 PM; Please review the uploaded HOI for xxxx xxxxx xxxxx showing no mortgagee and that the property is owned free and clear.  Please clear this finding.  Thank you.

 Reviewer 09/XX/2021 04:13 PM; condition cleared		 09/XX/2021     A 1 XXXXXXXXXX AZ I 13 D   A   C   A   C   A   D   A     Temporary QM Safe Harbor 1
1191860 XXXXXXXXXX XXXXXXXXXX 5826540 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Internal Fraud Report is missing from the file     Client 09/XX/2021 01:26 PM; Please review the uploaded Internal Fraud Report to clear this finding.  Thank you.

 Reviewer 09/XX/2021 02:19 PM; condition cleared		 09/XX/2021     A 1 XXXXXXXXXX AZ I 13 D   A   C   A   C   A   D   A     Temporary QM Safe Harbor 1
1191860 XXXXXXXXXX XXXXXXXXXX 5826541 387 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Taxes and Insurance documentation   Provide proof of Taxes paid on primary housing. Property now in name of the trust.  Condition has been cleared.       09/XX/2021     A 1 XXXXXXXXXX AZ I 13 D   A   C   A   C   A   D   A     Temporary QM Safe Harbor 1
1191860 XXXXXXXXXX XXXXXXXXXX 5826611 262 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW -  Appraisal Report Missing   Top of page 1 of the appraisal is missing. received   Client 09/XX/2021 01:28 PM; Please review the uploaded appraisal report to clear this finding.  Thank you.

 Reviewer 09/XX/2021 01:29 PM; Good afternoon, Docs uploaded will be reviewed within 24 hours of upload.  No need to escalate unless docs have not been reviewed within this time frame. Thank you! xxxxxx

 Reviewer 09/XX/2021 02:20 PM; condition cleared		 09/XX/2021     A 1 XXXXXXXXXX AZ I 13 D   A   C   A   C   A   D   A     Temporary QM Safe Harbor 1
1191860 XXXXXXXXXX XXXXXXXXXX 5782599 861 XXXXXXXXXX Compliance Note   Note - Other:   Note 1st page is not properly scanned from top.       07/XX/2021     A 1 XXXXXXXXXX AZ I 13 D   A   C   A   C   A   D   A     Temporary QM Safe Harbor 1
1242634 XXXXXXXXXX XXXXXXXXXX 5993263 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   A   A   C   A   A   A     Temporary QM Safe Harbor 1
1242645 XXXXXXXXXX XXXXXXXXXX 5984964 199 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - Hazard insurance coverage is insufficient- Must cover the loan amount or estimated cost new, or policy to state guaranteed replacement cost   loan amt =xxxxx  ins coverage=xxxxx with only xx% additional coverage       05/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   A   A     Exempt 1
1242645 XXXXXXXXXX XXXXXXXXXX 5984966 959 XXXXXXXXXX Credit Closing Package   Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect   Missing Escrow Waiver       05/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   A   A     Exempt 1
1242645 XXXXXXXXXX XXXXXXXXXX 5996935 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   no Rent Loss coverage subject insured   Client 09/XX/2021 04:43 PM; Cover letter from xxxx insurance verifying the update to the Rental Policy for the subject property.  Also providing information from the xxxx website that confirms that Rent loss insurance is included in the Rental Property Insurance.  

 Reviewer 10/XX/2021 06:41 AM; deficiency cleared 		10/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   A   A     Exempt 1
1242665 XXXXXXXXXX XXXXXXXXXX 5998557 771 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Inquiry Letter in file addressing all inquiries within the last 90 days   xxxxx xxxxx/xxx-2/XX/2021; xxxxx xx/xxx-2/XX/2021; xxxxxx xxxxxx xx-2/XX/2021 Documentation has been provided.       09/XX/2021     A 1 XXXXXXXXXX CA I 13 D   A   D   A   C   A   A   A     Temporary QM Safe Harbor 1
1242665 XXXXXXXXXX XXXXXXXXXX 5998562 436 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete VOE   VOE within 10 days of the note was not provided from xxxxx xxxxxx documentation provided   Client 08/XX/2021 11:32 AM; VVOE located in unimaged section of file, current as of date 4/XX/21.

 Reviewer 08/XX/2021 12:16 PM; VVOE not dated within 10 days of note date of 6/XX/2021

 Reviewer 08/XX/2021 12:16 PM; VVOE not dated within 10 days of note date of June xx, 20201

 Client 09/XX/2021 04:39 PM; Updated VOE provided that is within 10 days of note date. uploaded to evolve/client site

 Reviewer 09/XX/2021 04:44 PM; condition still outstanding

 Client 09/XX/2021 06:30 PM; the note date I have is 4/XX/21.

 Reviewer 09/XX/2021 07:22 AM; condition cleared		 09/XX/2021     A 1 XXXXXXXXXX CA I 13 D   A   D   A   C   A   A   A     Temporary QM Safe Harbor 1
1242665 XXXXXXXXXX XXXXXXXXXX 5995535 901 XXXXXXXXXX Compliance Compliance   Compliance - TRID Other   SSPL document is missing in file. Information Provided   Reviewer 09/XX/2021 07:43 AM; outstanding 09/XX/2021     A 1 XXXXXXXXXX CA I 13 D   A   D   A   C   A   A   A     Temporary QM Safe Harbor 1
1242665 XXXXXXXXXX XXXXXXXXXX 5995536 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 13 D   A   D   A   C   A   A   A     Temporary QM Safe Harbor 1
1242685 XXXXXXXXXX XXXXXXXXXX 6014913 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide credit refresh report and/or UDM dated within 10 days of Note date UDM report provided within Fraud Guard report.  Condition has been cleared.     Client 09/XX/2021 03:34 PM; Can’t we pull a credit refresh?

 Reviewer 09/XX/2021 07:55 AM; yes a credit refresh or UDM is acceptable. 		09/XX/2021     A 1 XXXXXXXXXX CA I 3 D   A   D   A   A   A   A   A     Exempt 1
1242685 XXXXXXXXXX XXXXXXXXXX 6014914 387 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Taxes and Insurance documentation   Provide current statement from xxxx xxxx HOA verifying HOA dues of $xxx/mo. are for pimary home xxxxx xxxxxx xxxxxx (see xxxxx xxxx statement. Cancelled Check). Documentation has been provided.     Client 09/XX/2021 04:33 PM; Fraud Guard Report shows xxxxx xxxxx xxxx dues of approximately $xxx/mo. are for primary home xxxx xxxxx xxxx.

 Reviewer 09/XX/2021 08:05 AM; condition wasw cleared		 09/XX/2021     A 1 XXXXXXXXXX CA I 3 D   A   D   A   A   A   A   A     Exempt 1
1242685 XXXXXXXXXX XXXXXXXXXX 6014915 393 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Missing undisclosed properties   Provide status and disposition of xxx-xxx xxxxxx reflected on 2019 1040 Sch E. Received property profile   Client 09/XX/2021 04:30 PM; Property is disclosed however no expense data reporting on the tax returns.  Most likely sold or the borrower no longer owns.  Property is not disclosed on Application.  xxxx xxxxx xxxxx xxxxx xxxx is a commercial property.

 Reviewer 09/XX/2021 06:14 PM; Sched E to borrowers tax returns show that this property is not listed - doesn't indicate as sold, need a copy of the closing disclosure to support this or property profile report.  

 Reviewer 09/XX/2021 08:00 AM; condition as amended is valid still need to verify disposition of property		 09/XX/2021     A 1 XXXXXXXXXX CA I 3 D   A   D   A   A   A   A   A     Exempt 1
1242685 XXXXXXXXXX XXXXXXXXXX 6014923 345 XXXXXXXXXX Credit UW Other   UW Other - UW - Occupancy Discrepancy/Misrep   Provide status and disposition of subject occupancy. Subject transaction closed as NOO R/T refinance with rental income from 2019 1040 Sch E used for qualifying however Appraisal and appraisal photos verify subject property as being vacant. Documentation has been provided.       09/XX/2021     A 1 XXXXXXXXXX CA I 3 D   A   D   A   A   A   A   A     Exempt 1
1242685 XXXXXXXXXX XXXXXXXXXX 6014931 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   DU submission #3 reflects total financed properties as xxx. Actual number of financed properties is xxx. AUS to be updated accordingly. Received updated AUS.     09/XX/2021     A 1 XXXXXXXXXX CA I 3 D   A   D   A   A   A   A   A     Exempt 1
1242685 XXXXXXXXXX XXXXXXXXXX 6014932 398 XXXXXXXXXX Credit UW Credit   UW Credit - UW -  Correct/Corrected Credit Report   Provide AUS credit report #xxxxxxx dated 3/XX/2021. Credit report provided #xxxxxx dated 3/XX/2021. Documentation has been provided.       09/XX/2021     A 1 XXXXXXXXXX CA I 3 D   A   D   A   A   A   A   A     Exempt 1
1242685 XXXXXXXXXX XXXXXXXXXX 6014941 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide documentation from xxxxxxx, xxxx was not in forbearance at time of subject loan closing. Mortgage statement from xxxxxx reflects Borrower past due 2 payments. Mortgage is in other individuals name and does not report on credit report (primary home mtg). Additionally, fraud report reflects pre-foreclosure 2018. LOX has been provided that explains this.  Condition has been cleared.       09/XX/2021     A 1 XXXXXXXXXX CA I 3 D   A   D   A   A   A   A   A     Exempt 1
1242685 XXXXXXXXXX XXXXXXXXXX 6014946 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide final CD Settlement statement, Note and First payment letter for new mortgage with xxxxx. CD to verify mortgage with xxxxx was paid off at close. PITI not to exceed $xxxxx/mo. Received CD, note and 1st payment letter.     09/XX/2021     A 1 XXXXXXXXXX CA I 3 D   A   D   A   A   A   A   A     Exempt 1
1242708 XXXXXXXXXX XXXXXXXXXX 6010053 320 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Other   Provide 2nd month of consecutive asset statements for xxxxx account #xxxx.  statement in loan file is dated 2/XX/21 and guidelines require 2 months statements to be verified. received   Client 09/XX/2021 11:10 AM; The FNMA Selling Guide B3-4.3-01 states: The lender must determine the value of the asset (net of any margin accounts) by obtaining either; 1) The most recent monthly or quarterly statement from the depository or investment firm.  Or 2) A copy of the stock certificate, accompanied by a newspaper stock list that is dated as of or near the date of the loan application.  Please review and advise.

 Reviewer 09/XX/2021 06:07 PM; condition cleared		 09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   C   A     Exempt 1
1242708 XXXXXXXXXX XXXXXXXXXX 6010058 326 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Evidence Satisfaction of Debt   Verify property that is tied to lien with xxxxx #xxxx.  Provide verification lien has been paid and closed. received   Client 09/XX/2021 09:38 AM; Credit refresh pulled and added to T-Docs. Reflects xxxxx xxxx was paid in full. Original balance of $xxxxxx opened in 8/16. This matches to the MERS section of the internal Fraud report in file and was secured by xxxx xxxx xxxx xxxx MERS also reflects the new mortgage with xxxxx  - note date of 2/XX/21 - and loan amount of xxxxxx. This property and mortgage are reflected on the loan application and CD is in file for the refi.

 Reviewer 09/XX/2021 11:21 AM; condition cleared		 09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   C   A     Exempt 1
1242708 XXXXXXXXXX XXXXXXXXXX 5993784 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   C   A     Exempt 1
1242720 XXXXXXXXXX XXXXXXXXXX 5993649 1108 08/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Loan originated with PIW. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     B 1 04/XX/2021 CA I 3 D   B   D   A   A   A   C   B   Exempt 1
1242720 XXXXXXXXXX XXXXXXXXXX 6017969 320 08/XX/2021 Credit UW Assets   UW Assets - UW - Asset Other   2 full months of asset statements are required to cover closing cost and reserves in the amount of $xxxxx. document provided     09/XX/2021     A 1 04/XX/2021 CA I 3 D   B   D   A   A   A   C   B   Exempt 1
1242720 XXXXXXXXXX XXXXXXXXXX 6017970 431 08/XX/2021 Credit UW Assets   UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing   Provide 3 months asset statement for xxx xxxx and xxxxx and xxxxx. Documentation has been provided.     Reviewer 09/XX/2021 12:13 PM; Missing three months bank statements for xxxxxx.  

 Reviewer 09/XX/2021 09:35 AM; xxxxxxx not provided		 10/XX/2021     A 1 04/XX/2021 CA I 3 D   B   D   A   A   A   C   B   Exempt 1
1242760 XXXXXXXXXX XXXXXXXXXX 6016563 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   UW Collateral TPR UW - Second collateral evaluation is required. COMMENT No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX MT I 1 D   A   D   A   A   A   C   A     Exempt 1
1242760 XXXXXXXXXX XXXXXXXXXX 6016691 393 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Missing undisclosed properties   Provide documentation used to cleared undisclosed property of fraud report xxxx xxx xxxxx, xxxxxxx, xx received     09/XX/2021     A 1 XXXXXXXXXX MT I 1 D   A   D   A   A   A   C   A     Exempt 1
1242760 XXXXXXXXXX XXXXXXXXXX 6016696 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide documentation used to determine the properties located at xxx xxxxxx xxx xxxxxxx, xxx and xxxxx xx xxxxx, xxxxxxxx, xx are free and clear.  The borrowers 2020 tax returns are showing borrower claim mortgage interest. documentation provided   Reviewer 09/XX/2021 06:49 PM; Document provided does not prove the xxxx properties are free and clear.  

 Client 09/XX/2021 10:59 AM; Additional documentation showing that xxxxxx was financed with xxx.xxxxxxx, payment coupon provided along with credit report showing paid in 3/2020.  Also the tax returns listed xxxxx/xxxxx as one rental property, they were not showing seperate.  There was not a seperate mortgage for xxxxxxxx.  Borrower also disclosed this property as xxxxx xxxxx on the 1003.  no other mortgage loans reporting on credit.

 Reviewer 09/XX/2021 11:23 AM; condition cleared		 09/XX/2021     A 1 XXXXXXXXXX MT I 1 D   A   D   A   A   A   C   A     Exempt 1
1242760 XXXXXXXXXX XXXXXXXXXX 6016702 351 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW - DTI exceeds maximum limit   Dti on Aus not correct aus ratios xxxx and xxxxx.  Borrower income from REO xxxxxx, Housing expense xxx, subject rental income loss xxxxx other debt xx documentation received   Client 08/XX/2021 05:24 PM; Rental income/loss for subject based on actual leases in file for 2 of the units and the Market Rent for the 3rd unit from the appraisal would be a positive rental income from the subject.  xxxx+xxxx+xxxx(from 1025) x.75% = xxxx-xxxx PITI = xxxx.  

 Reviewer 08/XX/2021 11:31 AM; condition has been cleared		 08/XX/2021     A 1 XXXXXXXXXX MT I 1 D   A   D   A   A   A   C   A     Exempt 1
1242760 XXXXXXXXXX XXXXXXXXXX 6016763 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide letter from borrower addressing relationship to landlord of primary residence.  Borrower also owns a rental property with this person. Documentation has been provided.     09/XX/2021     A 1 XXXXXXXXXX MT I 1 D   A   D   A   A   A   C   A     Exempt 1
1242760 XXXXXXXXXX XXXXXXXXXX 5993807 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX MT I 1 D   A   D   A   A   A   C   A     Exempt 1
1242777 XXXXXXXXXX XXXXXXXXXX 5994879 902 08/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 05/XX/2021 AZ I 3 C   B   C   A   C   B   A   A     Exempt 1
1242777 XXXXXXXXXX XXXXXXXXXX 5994880 968 08/XX/2021 Compliance Compliance   Compliance - CD- Fee Charged in Incorrect Section   Need xxxxx moving Title - Closing Protection Letter , Title - Lender's Title Insurance, Title - Escrow Fee and Title - Recording Service Fee to section B as borrower used provider on SSPL. Information Provided     09/XX/2021     A 1 05/XX/2021 AZ I 3 C   B   C   A   C   B   A   A     Exempt 1
1242777 XXXXXXXXXX XXXXXXXXXX 6012093 325 08/XX/2021 Credit UW Credit   UW Credit - UW - Net Rental Income Incorrect   Per final DU, dtd 4/XX/2021, which reflects a final DTI of xxxxx% using total subject net rental income to qualify is $xxx/mo (which matches the inital loan application); however, the income worksheets and final loan applications both reflect that no rental income was used to qualify with the income calculation reflecting a total DTI of xxxx% (which audit DTI matched). Revised AUS provided correcting the rental income.  DTI now at xxxx which greater than audit calculation.  Condition has been cleared.       09/XX/2021     A 1 05/XX/2021 AZ I 3 C   B   C   A   C   B   A   A     Exempt 1
1242777 XXXXXXXXXX XXXXXXXXXX 6122388 1062 09/XX/2021 Compliance Compliance   Compliance - CD-Clerical error correction made more than 60 days post consummation       Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2 Reviewer 09/XX/2021 03:41 PM; Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = xxx     09/XX/2021 B 2 05/XX/2021 AZ I 3 C   B   C   A   C   B   A   A     Exempt 1
1242794 XXXXXXXXXX XXXXXXXXXX 5993818 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 3 C   A   C   A   C   A   C   A     Exempt 1
1242794 XXXXXXXXXX XXXXXXXXXX 5998805 868 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - Other:   In HOI, the policy number is missing in the document. Information Provided     10/XX/2021     A 1 XXXXXXXXXX TX I 3 C   A   C   A   C   A   C   A     Exempt 1
1242794 XXXXXXXXXX XXXXXXXXXX 5998485 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 3 C   A   C   A   C   A   C   A     Exempt 1
1242800 XXXXXXXXXX XXXXXXXXXX 6012967 397 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Inquiries not properly addressed   Provide an inquiry letter to address the following inquiry shown on credit report xxxx --- 02-xx-2021 inquiry for subject transaction   Client 09/XX/2021 03:37 PM; xxxx is the lender for the transaction. DU first submission date is 2/XX/21 and initial application was signed by the LO on 2/XX/21. Inquiry is tied to the subject application and would not require LOX.

 Reviewer 09/XX/2021 06:46 AM; deficiency cleared 		09/XX/2021     A 1 XXXXXXXXXX TN I 1 C   A   C   A   A   A   C   A     Exempt 1
1242800 XXXXXXXXXX XXXXXXXXXX 6012969 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide verification xxxxx xxxxx has no ownership in property located at xxx xxxx xxxx, xxxx, xx.  If ownership exists, add property along with PITIA to REO and provide updated AUS. Doc provided     09/XX/2021     A 1 XXXXXXXXXX TN I 1 C   A   C   A   A   A   C   A     Exempt 1
1242800 XXXXXXXXXX XXXXXXXXXX 5993821 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX TN I 1 C   A   C   A   A   A   C   A     Exempt 1
1242811 XXXXXXXXXX XXXXXXXXXX 5993825 1108 08/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 05/XX/2021 PA I 13 C   B   A   A   C   B   C   A     Temporary QM Safe Harbor 1
1242811 XXXXXXXXXX XXXXXXXXXX 6137987 1061 09/XX/2021 Compliance Compliance   Compliance - TRID Fee Tolerance Violation cured more than 60 days post consummation       Per SFA scope, remediation for good faith fee tolerance violation made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2 Reviewer 09/XX/2021 02:03 PM; Per SFA scope, remediation for good faith fee tolerance violation made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = xxxxx     09/XX/2021 B 2 05/XX/2021 PA I 13 C   B   A   A   C   B   C   A     Temporary QM Safe Harbor 1
1242811 XXXXXXXXXX XXXXXXXXXX 6014578 884 08/XX/2021 Compliance Compliance   Compliance - Pending Internal completion of compliance fee tests.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 05/XX/2021 PA I 13 C   B   A   A   C   B   C   A     Temporary QM Safe Harbor 1
1242811 XXXXXXXXXX XXXXXXXXXX 6014579 898 08/XX/2021 Compliance Compliance   Compliance - TRID- Fee Tolerance Violation   Tolerance exceeded by $xxxxxx due to the increase in appraisal and title fees, the CD cured $xxxx, still need the remaining $xxxxx along with proof of refund, LOX and PCCD reflecting the full cure Information Provided   Reviewer 09/XX/2021 08:26 AM; Outstanding.

 Client 09/XX/2021 10:15 AM; you are not taking the title endorsement fee from the Cd on 05/06..the title review and title update fee you did but no the title endorsement fee.

 Reviewer 09/XX/2021 11:10 AM;

 Reviewer 09/XX/2021 03:35 PM; ****UPDATE*** Total tolerance violation of $xxxxx - $xxxx appraisal fee increase was cured on closing CD - xxx% violation of $xxxx (due to increase in title fees with no valid coc - coc in file is not valid)  Need evidence of additional $xxxxx refund along with PCCD showing cure of $xxxxx all must be issued within 60 days of consummation.

 Client 09/XX/2021 06:31 AM; I never heard back from my rebutall?? see above previous escalation.

 Reviewer 09/XX/2021 07:24 AM;

 Reviewer 09/XX/2021 09:52 AM; Good Morning, &#x0D;
The condition has been updated.  Thank you!

 Reviewer 09/XX/2021 11:05 AM; Hi, &#x0D;
I just replied to this one earlier.  :)&#x0D;
Thanks, xxxx		 09/XX/2021     A 1 05/XX/2021 PA I 13 C   B   A   A   C   B   C   A     Temporary QM Safe Harbor 1
1242820 XXXXXXXXXX XXXXXXXXXX 6023777 433 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Short funds to close   File missing updated assets showing funds deposited in the amount of $xxxxx. per URLA. Current assets $xxxxx. Doc provided     09/XX/2021     A 1 XXXXXXXXXX OR I 1 C   A   C   A   A   A   C   A     Exempt 1
1242820 XXXXXXXXXX XXXXXXXXXX 5993830 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX OR I 1 C   A   C   A   A   A   C   A     Exempt 1
1242834 XXXXXXXXXX XXXXXXXXXX 6021407 519 XXXXXXXXXX Compliance AUS   AUS - Compliance \ AUS - Appraised value matches 1008   AUS does not match 1008. Final AUS missing Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1242834 XXXXXXXXXX XXXXXXXXXX 6021408 970 XXXXXXXXXX Compliance Compliance   Compliance - CD- Missing   Final CD missing borrowers signatures Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1242834 XXXXXXXXXX XXXXXXXXXX 6023208 331 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income - AUS Validation   B2 income update amount to match xxxxx award letter. The amount listed on CLDD doesn't match the award letter, income from 1040s cannot be determined if it's all B2 xxxxx due to 1040s being a joint return. Income worksheet has been updated.  Condition has been cleared.       09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1242860 XXXXXXXXXX XXXXXXXXXX 5985673 666 XXXXXXXXXX Compliance Sales Contract   Sales Contract - Compliance \ Sales Contract missing   Sales Contract is missing in the file.     Reviewer 05/XX/2021 09:50 PM; Missing fully executed sales contract fromxxxx xxxxx xxxx Trustee to xxxxx and xxxxx xxxx for $xxxxxxxx.

 Reviewer 06/XX/2021 06:33 AM; escalated 		06/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   C   A   A   A     Exempt 1
1242860 XXXXXXXXXX XXXXXXXXXX 5985674 1018 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Self-Employed verify business   Missing verification that business is in existence within 30 days prior to note date 5/XX/2021       05/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   C   A   A   A     Exempt 1
1242860 XXXXXXXXXX XXXXXXXXXX 5997944 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   C   A   A   A     Exempt 1
1242874 XXXXXXXXXX XXXXXXXXXX 5997923 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "03/XX/2021" or prior signed by the borrowers. Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   A   A   C   A   C   A     Exempt 1
1242874 XXXXXXXXXX XXXXXXXXXX 5993850 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   A   A   C   A   C   A     Exempt 1
1242949 XXXXXXXXXX XXXXXXXXXX 5986077 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           06/XX/2021     A 1 XXXXXXXXXX TX I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1242949 XXXXXXXXXX XXXXXXXXXX 5986078 975 XXXXXXXXXX Compliance Compliance   Compliance - CD- Payee Name missing or incorrect   Payee names are missing for "Appraisal 216/1007 Fee and Contract Processing Fee" in Section -B in Final CD dated  "05/XX/2021".  PCCD is required with corrections.     Reviewer 06/XX/2021 02:10 PM; 6/3 PCCD provided reflects the payee for the Contract Processing fee, however the payee for the appraisal 216/1007 was not reflected. Please provide a new PCCD with correction. 06/XX/2021     A 1 XXXXXXXXXX TX I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1242949 XXXXXXXXXX XXXXXXXXXX 5986081 387 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Taxes and Insurance documentation   DOCUMENTATION OF FULL PITIA FOR NEW PRIMARY RESIDENCE NOT VERIFIED IN FILE (MORTGAGE STATEMENT VERIFYING MORTGAGE PITIA OF xxxxx/MO) Client rebuttal - There is not a mortgage statement yet, UW explained this is a new property being purchased - See credit memo page 137 and Borrower LOE page 401 and Loan Estimate at page 473. Waived due to docs in original package.   Client 08/XX/2021 10:37 AM; docuemtns for taxes and insurance for the new primary residence purchase at xxxxx  xxxxx xxxxx xxx are in file along with lox from borrower and lender with details about this transaction. The purchase of xxxxx xxxx has /had est close date of June 2021, which would make the first payment due 8/xx.  Pages and noted for the location of these documents is accurate.  The docs have been re uploaded to the loan for ease of use.

 Reviewer 08/XX/2021 11:20 AM; condition cleared		 08/XX/2021     A 1 XXXXXXXXXX TX I 13 C   A   C   A   C   A   A   A     Temporary QM Safe Harbor 1
1243040 XXXXXXXXXX XXXXXXXXXX 5986402 971 XXXXXXXXXX Compliance Compliance   Compliance - CD- Missing CD Signed by borrower   Initial CD is not acknowledged by the borrower.       06/XX/2021     A 1 XXXXXXXXXX AL I 1 C   A   A   A   C   A   A   A     Exempt 1
1243052 XXXXXXXXXX XXXXXXXXXX 5986453 1015 06/XX/2021 Credit UW Income/Employment   UW Income/Employment - UW - IRS Transcripts required   Provide 2019 IRS 1040 transcripts for xxxxxx and xxxxx xxxxx.  They are required because xxxxx is xxxxx xxxxx and in addition rental income is being used. Received and reviewed IRS 2019 1040 Transcripts.   Reviewer 06/XX/2021 07:26 AM; Requested IRS Transcripts for 2019 1040 due to xxxxx xxxxx  of xxxx and rental income use.  Received Federal tax returns 1040 for 2019.  Provide the IRS Transcripts for tax year 2019.

 Client 09/XX/2021 12:40 PM; Action Comments States: Received and reviewed IRS 2019 1040 Transcripts. Please Advise&#x0D;


 Reviewer 09/XX/2021 02:08 PM; condition cleared		 09/XX/2021     A 1 05/XX/2021 CA I 13 C   B   C   A   C   B   A   A     Temporary QM Safe Harbor 1
1243052 XXXXXXXXXX XXXXXXXXXX 6012764 902 08/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     10/XX/2021     A 1 05/XX/2021 CA I 13 C   B   C   A   C   B   A   A     Temporary QM Safe Harbor 1
1243052 XXXXXXXXXX XXXXXXXXXX 6012765 968 08/XX/2021 Compliance Compliance   Compliance - CD- Fee Charged in Incorrect Section   Title - Wire Fee, Title Sub-Escrow Fee, Notary Fee and Lender's Title Insurance Policy should be moved form section-B to section-C in PCCD dated 06/XX/2021,however provider name don't matching with the provider on the SSPL. Please provide correct PCCD for the same. Information Provided   Reviewer 09/XX/2021 09:32 AM; PCCD provided dated 9/xx did not show corrections. Please provide a new PCCD with this correction. 10/XX/2021     A 1 05/XX/2021 CA I 13 C   B   C   A   C   B   A   A     Temporary QM Safe Harbor 1
1243052 XXXXXXXXXX XXXXXXXXXX 6012787 986 08/XX/2021 Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "04/XX/2021" or prior signed by the borrowers. Information Provided     09/XX/2021     A 1 05/XX/2021 CA I 13 C   B   C   A   C   B   A   A     Temporary QM Safe Harbor 1
1243052 XXXXXXXXXX XXXXXXXXXX 6023769 898 08/XX/2021 Compliance Compliance   Compliance - TRID- Fee Tolerance Violation   xx% tolerance violation of $xxxxxx due to increase in title and escrow fee's without a valid COC.  Please provide proof of refund, LOX to borrower and a PCCD reflecting cure. Information Provided   Reviewer 09/XX/2021 09:32 AM; Rec'd PCCD, lox, and check for $xxxxx.  Total violation is $xxxx.  Still need a new PCCD showing full cure, lox for remaining balance of $xxxxx and check copy for remaining balance.

 Reviewer 09/XX/2021 09:15 AM; escalated for review		 10/XX/2021     A 1 05/XX/2021 CA I 13 C   B   C   A   C   B   A   A     Temporary QM Safe Harbor 1
1243052 XXXXXXXXXX XXXXXXXXXX 6172964 1061 10/XX/2021 Compliance Compliance   Compliance - TRID Fee Tolerance Violation cured more than 60 days post consummation     Per SFA scope, remediation for good faith fee tolerance violation made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = xxx   Reviewer 10/XX/2021 03:52 PM; Per SFA scope, remediation for good faith fee tolerance violation made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = xxxx     10/XX/2021 B 2 05/XX/2021 CA I 13 C   B   C   A   C   B   A   A     Temporary QM Safe Harbor 1
1243060 XXXXXXXXXX XXXXXXXXXX 6031426 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   Borrower to sign and date 2020 1040 tax returns Documentation has been provided.     Client 10/XX/2021 10:17 AM; Waiver requested-Compensating factors  -LTV: xxx%, DTI: xxxx%, xxx months of reserves, xx years on the jobs and FICO xxxx

 Reviewer 10/XX/2021 12:25 PM; condition has been cleared		 10/XX/2021     A 1 XXXXXXXXXX UT I 3 C   A   C   A   A   A   A   A     Exempt 1
1243060 XXXXXXXXXX XXXXXXXXXX 6031427 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide final CD for refinance of the following properties xxxx xxxx xxxx and xxxx  xx xxx xxx this must also show the payoff of xxxx xxxx acct xxxx and xxxxxxxx acct xxxx Documentation has been provided.       09/XX/2021     A 1 XXXXXXXXXX UT I 3 C   A   C   A   A   A   A   A     Exempt 1
1243069 XXXXXXXXXX XXXXXXXXXX 6030674 1011 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Calculation Discrepancy rental income   Missing documentation evidencing the nature of the one time extraordinary expense of $xxxxx on the property located at xxxxx xxxx. The loss was added back into the REO analysis, however there was no documentation in file to support the loss was a one time expense. documentation provided   Client 09/XX/2021 12:58 PM; We are requesting that this condition be cleared or waived based on our analysis and supporting documents uploaded to 00xxxxxxxx_TDOC_Au Waiver Request Loan #xxxxxx_125642.pdf.  Thank you for your consideration.&#x0D;


 Reviewer 09/XX/2021 02:02 PM; condition cleared		 09/XX/2021     A 1 XXXXXXXXXX OK I 3 C   A   C   A   A   A   C   A     Exempt 1
1243069 XXXXXXXXXX XXXXXXXXXX 5993940 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX OK I 3 C   A   C   A   A   A   C   A     Exempt 1
1243129 XXXXXXXXXX XXXXXXXXXX 5993966 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX WA I 13 C   A   A   A   A   A   C   A     Temporary QM Safe Harbor 1
1243143 XXXXXXXXXX XXXXXXXXXX 5993976 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided   Client 08/XX/2021 01:51 PM; CDA completed on 8/XX/21. Appraised value of $xxxxxxxx. Requesting to be cleared.

 Reviewer 08/XX/2021 06:22 AM; cleared in tdocs		 08/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   A   A   C   A     Exempt 1
1243172 XXXXXXXXXX XXXXXXXXXX 5993989 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     09/XX/2021     A 1 XXXXXXXXXX GA I 1 C   A   C   A   C   A   C   A     Exempt 1
1243172 XXXXXXXXXX XXXXXXXXXX 6002674 9 XXXXXXXXXX Credit Application   Application - is missing   Initial 1003 is missing in file. Information Provided     08/XX/2021     A 1 XXXXXXXXXX GA I 1 C   A   C   A   C   A   C   A     Exempt 1
1243172 XXXXXXXXXX XXXXXXXXXX 6002675 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     08/XX/2021     A 1 XXXXXXXXXX GA I 1 C   A   C   A   C   A   C   A     Exempt 1
1243172 XXXXXXXXXX XXXXXXXXXX 6002676 970 XXXXXXXXXX Compliance Compliance   Compliance - CD- Missing   Missing CD issued and received by borrower 3 days prior to consummation. Please provide initial CD. Information Provided     08/XX/2021     A 1 XXXXXXXXXX GA I 1 C   A   C   A   C   A   C   A     Exempt 1
1243172 XXXXXXXXXX XXXXXXXXXX 6002523 875 XXXXXXXXXX Compliance Disclosure   Disclosure - Other:   Borrower's Intent to Proceed  is missing in file. Information Provided     08/XX/2021     A 1 XXXXXXXXXX GA I 1 C   A   C   A   C   A   C   A     Exempt 1
1243172 XXXXXXXXXX XXXXXXXXXX 5986947 187 XXXXXXXXXX Credit Flood Certificate   Flood Certificate - is missing.   FLOOD CERT MISSING       06/XX/2021     A 1 XXXXXXXXXX GA I 1 C   A   C   A   C   A   C   A     Exempt 1
1243198 XXXXXXXXXX XXXXXXXXXX 5987039 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   AUS is incorrect for the subject appraised value which was documented as lower on the appraisal. Also, AUS is incorrect for the subject loan amounts and loan payment.       06/XX/2021     A 1 XXXXXXXXXX OR I 1 C   A   C   A   C   A   C   A     Exempt 1
1243198 XXXXXXXXXX XXXXXXXXXX 6002565 897 XXXXXXXXXX Compliance Compliance   Compliance - TRID CD- Other   Need PCCD moving Title - "Escrow Fee" to section B as borrower did use provider on SSPL. Information Provided     09/XX/2021     A 1 XXXXXXXXXX OR I 1 C   A   C   A   C   A   C   A     Exempt 1
1243198 XXXXXXXXXX XXXXXXXXXX 6002566 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX OR I 1 C   A   C   A   C   A   C   A     Exempt 1
1243198 XXXXXXXXXX XXXXXXXXXX 5994000 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX OR I 1 C   A   C   A   C   A   C   A     Exempt 1
1243218 XXXXXXXXXX XXXXXXXXXX 5994007 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX NV I 1 C   A   C   A   A   A   C   A     Exempt 1
1243218 XXXXXXXXXX XXXXXXXXXX 5987113 328 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Satisfactory 12 mth Mortgage   AUS #10  Evidence of 12 month payment history or new loan for xxxxx $xxxxx is not provided; Client rebuttal - New loan for xxxx $xxxx closed 04/2021. This loan closed in xxxx- prior to the first payment date for the new $xxxxx loan. The note and CD are in the original upload to show when it closed and when the first payment date is due.   Client 09/XX/2021 02:36 PM; 12 month history note needed; no payments to be verified due to it being a new loan. xxxxxx Diligence cleared based on the following: New loan for xxxxx $xxxx closed 04/2021. This loan closed in xxxx- prior to the first payment date for the new $xxxx loan. The note and CD are in the original upload to show when it closed and when the first payment date is due. MERS section of the internal Fraud report also reflects mortgage secured by xxxx xxxx xxxx xxx with note d

 Reviewer 09/XX/2021 07:46 AM; condition cleared		 09/XX/2021     A 1 XXXXXXXXXX NV I 1 C   A   C   A   A   A   C   A     Exempt 1
1243238 XXXXXXXXXX XXXXXXXXXX 6003307 975 08/XX/2021 Compliance Compliance   Compliance - CD- Payee Name missing or incorrect   Payee name is missing for Title-Recording Service Fee in section-B in CD dated 05/XX/2021.Please Provide correct PCCD for the same.       09/XX/2021     A 1 05/XX/2021 NY I 1 D   B   D   A   C   B   A   A     Exempt 1
1243238 XXXXXXXXXX XXXXXXXXXX 6003308 902 08/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           09/XX/2021     A 1 05/XX/2021 NY I 1 D   B   D   A   C   B   A   A     Exempt 1
1243238 XXXXXXXXXX XXXXXXXXXX 6146627 1062 09/XX/2021 Compliance Compliance   Compliance - CD-Clerical error correction made more than 60 days post consummation       Cleared with exception       09/XX/2021 B 2 05/XX/2021 NY I 1 D   B   D   A   C   B   A   A     Exempt 1
1243238 XXXXXXXXXX XXXXXXXXXX 6038374 389 08/XX/2021 Credit UW Credit   UW Credit - UW - Fraud Alert documentation   Missing processor certification to satisfy Fraud Alert shown on credit report for the borrower xxxx. received     09/XX/2021     A 1 05/XX/2021 NY I 1 D   B   D   A   C   B   A   A     Exempt 1
1243238 XXXXXXXXXX XXXXXXXXXX 6038378 1010 08/XX/2021 Credit UW Credit   UW Credit - UW - Debt clarification - Provide explanation for ommission of debt from AUS   Missing documentation to support the omission of the xxxx Lease with xxxxxxx -xxxx with a Balance of $xxxxxx. Documentation has been provided.       09/XX/2021     A 1 05/XX/2021 NY I 1 D   B   D   A   C   B   A   A     Exempt 1
1243238 XXXXXXXXXX XXXXXXXXXX 6038382 441 08/XX/2021 Credit UW Income/Employment   UW Income/Employment - UW - Missing Business Tax Returns   Missing 2019 Business Tax Returns for xxxxx xxxxx. Tax Returns provided were 2018 for fiscal year ending 04/XX/2019. Need returns for 2019 to cover fiscal year ending 04/XX/2020. Doc received     09/XX/2021     A 1 05/XX/2021 NY I 1 D   B   D   A   C   B   A   A     Exempt 1
1243238 XXXXXXXXXX XXXXXXXXXX 6038383 1017 08/XX/2021 Credit UW Income/Employment   UW Income/Employment - UW - Profit and Loss required   Missing Profit and Loss Statement for xxxxx xxxxx xx covering the period of 03/XX/2020 through 11/XX/2020; and Profit and Loss Statement for xxxxx xxxxx covering the period of 05/XX/2020 through 11/XX/2020. Docs received     09/XX/2021     A 1 05/XX/2021 NY I 1 D   B   D   A   C   B   A   A     Exempt 1
1243249 XXXXXXXXXX XXXXXXXXXX 6002253 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrowers electronically need e-consent from "04/XX/2021" or prior signed by the borrowers. Provided.     09/XX/2021     A 1 XXXXXXXXXX NC I 13 D   A   B   A   D   A   A   A     Exempt 1
1243249 XXXXXXXXXX XXXXXXXXXX 5987224 473 XXXXXXXXXX Credit 4506   4506 - Compliance \ 4506 - Must be signed and dated by borrower(s) at closing   4506-C Must be signed and dated by borrower(s) at closing       06/XX/2021     A 1 XXXXXXXXXX NC I 13 D   A   B   A   D   A   A   A     Exempt 1
1243249 XXXXXXXXXX XXXXXXXXXX 5987225 108 XXXXXXXXXX Compliance Deed of Trust/Mortgage   Deed of Trust/Mortgage - is missing.           06/XX/2021     A 1 XXXXXXXXXX NC I 13 D   A   B   A   D   A   A   A     Exempt 1
1243249 XXXXXXXXXX XXXXXXXXXX 5987228 228 XXXXXXXXXX Compliance UW Approval   UW Approval - Signed 4506C missing   4506-C signed at closing       06/XX/2021     A 1 XXXXXXXXXX NC I 13 D   A   B   A   D   A   A   A     Exempt 1
1243281 XXXXXXXXXX XXXXXXXXXX 6002236 9 XXXXXXXXXX Credit Application   Application - is missing   Final Application is missing on the file. Information Provided   Reviewer 09/XX/2021 12:42 PM; Final application was not provided. 09/XX/2021     A 1 XXXXXXXXXX TX I 3 C   A   C   A   A   A   A   A     Exempt 1
1243295 XXXXXXXXXX XXXXXXXXXX 6052647 1017 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Profit and Loss required     using only rental income to qualify   Client 09/XX/2021 09:33 AM; The income used to qualify is from rental property. Their is the full  loss for the business included in ratios -$xxxxx/month and borrower still qualifies, P&amp;L would not be needed.

 Reviewer 09/XX/2021 11:44 AM; condition cleared		 09/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   C   A   A   A     Exempt 1
1243295 XXXXXXXXXX XXXXXXXXXX 5987496 879 XXXXXXXXXX Compliance Application   Application - Other:   Appears that the first two pages of the final application are missing.  It looks like the first two pages of a prior application were merged with the remainder of the final application.       06/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   C   A   A   A     Exempt 1
1243304 XXXXXXXXXX XXXXXXXXXX 6002116 865 XXXXXXXXXX Compliance Final 1003   Final 1003 - Other:   Last page of final 1003 (Loan Originator NMLS ID number and the Loan Originator Company NMLS ID number) is missing in file. Information Provided     09/XX/2021     A 1 XXXXXXXXXX MN I 1 C   A   C   A   C   A   A   A     Exempt 1
1243304 XXXXXXXXXX XXXXXXXXXX 6002117 200 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - If Condo, blanket coverage policy is missing   Hazard Insurance Condo,blanket coverage policy is missing in file. Information Provided     09/XX/2021     A 1 XXXXXXXXXX MN I 1 C   A   C   A   C   A   A   A     Exempt 1
1243344 XXXXXXXXXX XXXXXXXXXX 5994055 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX DC I 3 C   A   C   A   A   A   C   A     Exempt 1
1243344 XXXXXXXXXX XXXXXXXXXX 6033073 1009 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Debt clarification - Provide explanation regarding the following liability in the file   The Final 1003 lists a mortgage  with xxxx xxxxx xxxx loan #xxxxx, payment of $xxxxx and a balance of $xxxxxxxxxx.  Evidence showing to which REO this mortgage is attached was not provided. Documentation has been provided.       09/XX/2021     A 1 XXXXXXXXXX DC I 3 C   A   C   A   A   A   C   A     Exempt 1
1243344 XXXXXXXXXX XXXXXXXXXX 6033075 1011 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Calculation Discrepancy rental income   1003 reflects the PITIA was offset for xxx of the xxxx REO's.  An analysis of Form 8825 was not provided in the file in accordance with guidelines B3-3.1-08.  xx REO's show positive cashflow and can be included in the income.  xx REO's shows negative cashflow to have included in the DTI. Documentation has been provided.       09/XX/2021     A 1 XXXXXXXXXX DC I 3 C   A   C   A   A   A   C   A     Exempt 1
1243381 XXXXXXXXXX XXXXXXXXXX 5987931 1011 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Calculation Discrepancy rental income   Missing lease agreement for xxxx Lease documents $1,950 rent  Documentation has been provided.       08/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   A   A   A   A     Exempt 1
1243381 XXXXXXXXXX XXXXXXXXXX 5987937 1011 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Calculation Discrepancy rental income   Rental income for xxxx to reflect negative monthly rental income (-$132.23). Calculated from 2019 tax return and HOI renewal statement. Current income used $664 is incorrect. Straight notes provided to document the Private Mortgage calculations for xxxx and xxxx   Reviewer 06/XX/2021 04:20 PM; Documentation required to verify $9,000 interest from private mortgage in 2019

 Reviewer 06/XX/2021 06:04 AM; CPA letter does indicate “other interest” paid on private “loans” in 2018 and 2019. After 2nd review, $12,608 was also claimed for xxxx on the 2019 returns in addition to the $9,000 claimed for xxxx. Please provide documentation to support these interest payments.

 Reviewer 06/XX/2021 05:45 AM; The $9,000 interest deduction needs to be sourced. Documentation is required from the Private Lender to support this amount. Do we have a statement to support the $9,000?

 Client 09/XX/2021 10:55 AM; Action Comment provided please review and update.

 Reviewer 09/XX/2021 11:18 AM; deficiency cleared 		09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   A   A   A   A     Exempt 1
1243381 XXXXXXXXXX XXXXXXXXXX 5987938 453 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW - Not Eligible with AUS decision provided   Rental income to be updated and AUS return Approve Eligible Rental income used by lender is acceptable   Client 09/XX/2021 10:56 AM; Action Comment provided please review and update.

 Reviewer 09/XX/2021 11:18 AM; deficiency cleared 		09/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   A   A   A   A     Exempt 1
1243418 XXXXXXXXXX XXXXXXXXXX 5988095 330 06/XX/2021 Credit UW Credit   UW Credit - UW - Credit Other   Please provide account statement to include escrows for REO xxxx       06/XX/2021     A 1 05/XX/2021 TX I 13 C   B   C   A   C   B   A   A     Temporary QM Safe Harbor 1
1243418 XXXXXXXXXX XXXXXXXXXX 5988096 434 06/XX/2021 Credit UW Assets   UW Assets - UW - Shorts Funds for Reserves   Please provide bank account statements to verified reserves $10,736.39       06/XX/2021     A 1 05/XX/2021 TX I 13 C   B   C   A   C   B   A   A     Temporary QM Safe Harbor 1
1243418 XXXXXXXXXX XXXXXXXXXX 6011695 901 08/XX/2021 Compliance Compliance   Compliance - TRID Other   SSPL is missing in e-file.         10/XX/2021   B 2 05/XX/2021 TX I 13 C   B   C   A   C   B   A   A     Temporary QM Safe Harbor 1
1243418 XXXXXXXXXX XXXXXXXXXX 6011696 902 08/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.             10/XX/2021   B 2 05/XX/2021 TX I 13 C   B   C   A   C   B   A   A     Temporary QM Safe Harbor 1
1243418 XXXXXXXXXX XXXXXXXXXX 6011698 986 08/XX/2021 Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent from "03/XX/2021" or prior signed by the borrower.         10/XX/2021   B 2 05/XX/2021 TX I 13 C   B   C   A   C   B   A   A     Temporary QM Safe Harbor 1
1243458 XXXXXXXXXX XXXXXXXXXX 6011082 1064 XXXXXXXXXX Compliance Disclosure   Disclosure - Patriot Act (Closing) Missing or Incomplete   Photo ID or Patriot Act Disclosure is missing in file for both borrowers. Patriot Act provided for both borrowers.     09/XX/2021     A 1 XXXXXXXXXX FL I 13 C   A   A   A   C   A   A   A     Temporary QM Safe Harbor 1
1243461 XXXXXXXXXX XXXXXXXXXX 6045601 265 XXXXXXXXXX Credit UW Collateral   UW Collateral - UW - FNMA 1007 / FNMA 216   Estimated Market rent is missing from file Documentation has been provided.     Client 09/XX/2021 01:34 PM; Uploaded Documentation, please review.

 Reviewer 09/XX/2021 11:30 AM; FNMA requires estimate of rental income even if rental income is not being used.

 Reviewer 09/XX/2021 11:30 AM; condition has been updated		 09/XX/2021     A 1 XXXXXXXXXX AZ I 3 D   A   D   A   A   A   A   A     Exempt 1
1243461 XXXXXXXXXX XXXXXXXXXX 6045604 436 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete VOE   3rd Party verification of Self Employment is required for xxxxx xxxxx xxxx xxx Documentation has been provided.     Client 09/XX/2021 01:34 PM; Uploaded Documentation, please review.

 Reviewer 09/XX/2021 11:31 AM; condition cleared		 09/XX/2021     A 1 XXXXXXXXXX AZ I 3 D   A   D   A   A   A   A   A     Exempt 1
1243464 XXXXXXXXXX XXXXXXXXXX 6035384 870 XXXXXXXXXX Compliance Appraisal   Appraisal - Other:   UW - Second collateral evaluation is required. COMMENT CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     10/XX/2021     A 1 XXXXXXXXXX MO I 3 C   A   A   A   C   A   C   A     Exempt 1
1243464 XXXXXXXXXX XXXXXXXXXX 5994100 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX MO I 3 C   A   A   A   C   A   C   A     Exempt 1
1243464 XXXXXXXXXX XXXXXXXXXX 6003221 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "12/XX/2020" or prior signed by the borrower. Provided.     09/XX/2021     A 1 XXXXXXXXXX MO I 3 C   A   A   A   C   A   C   A     Exempt 1
1243553 XXXXXXXXXX XXXXXXXXXX 5994138 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX OR I 1 C   A   A   A   C   A   C   A     Exempt 1
1243553 XXXXXXXXXX XXXXXXXXXX 6017593 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrowers electronically need e-consent form "04/XX/2021" or prior signed by the borrowers. Information Provided   Reviewer 09/XX/2021 08:26 AM; Tracking provided reflects an e-sign date of 04/xx which is after the initial e-signed date of 04/xx.&#x0D;
Please provide E-consent reflecting a date of 04/xx or earlier.

 Reviewer 09/XX/2021 11:02 AM; Email provided will not clear condition.  Initial application was electronically signed on 4/xx.  Please provide proof of both the borrower's e-consent on or prior to 4/xx.		 09/XX/2021     A 1 XXXXXXXXXX OR I 1 C   A   A   A   C   A   C   A     Exempt 1
1243573 XXXXXXXXXX XXXXXXXXXX 6014346 1058 08/XX/2021 Compliance Compliance   Compliance - Need Evidence of Borrower Intent to Proceed   Borrower's Intent to Proceed with Application is missing in file. Information Provided     09/XX/2021     A 1 05/XX/2021 CA I 3 C   B   C   A   C   A   C   B   Exempt 1
1243573 XXXXXXXXXX XXXXXXXXXX 5993689 1108 08/XX/2021 Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Loan originated with PIW. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     C 1 05/XX/2021 CA I 3 C   B   C   A   C   A   C   B   Exempt 1
1243573 XXXXXXXXXX XXXXXXXXXX 5988687 9 06/XX/2021 Credit Application   Application - is missing   Final loan application signed at closing not provided.       06/XX/2021     A 1 05/XX/2021 CA I 3 C   B   C   A   C   A   C   B   Exempt 1
1243573 XXXXXXXXXX XXXXXXXXXX 5988689 877 06/XX/2021 Compliance AUS   AUS - Other:   Required for ULDD Data Discrepancy 1008 and Deed of Trust showing property type as "Condominium" however DU showing property type as "Attached".       06/XX/2021     A 1 05/XX/2021 CA I 3 C   B   C   A   C   A   C   B   Exempt 1
1243607 XXXXXXXXXX XXXXXXXXXX 5988795 986 06/XX/2021 Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrowers electronically need e-consent form "03/XX/2021" or prior signed by the borrowers.       06/XX/2021     A 1 05/XX/2021 CA I 3 C   B   B   A   C   B   A   A     Exempt 1
1243607 XXXXXXXXXX XXXXXXXXXX 5988796 957 06/XX/2021 Credit Closing Package   Closing Package - First Payment Letter Missing or Incorrect   First payment letter showing taxes however latest Cd dated (05/XX/2021) not showing escrow taxes amount       06/XX/2021     A 1 05/XX/2021 CA I 3 C   B   B   A   C   B   A   A     Exempt 1
1243607 XXXXXXXXXX XXXXXXXXXX 6014089 902 08/XX/2021 Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 05/XX/2021 CA I 3 C   B   B   A   C   B   A   A     Exempt 1
1243607 XXXXXXXXXX XXXXXXXXXX 6014090 968 08/XX/2021 Compliance Compliance   Compliance - CD- Fee Charged in Incorrect Section   Need PCCD moving "Title-Lender's Title Insurance", "Title-Coordination Fee", "Title-Settlement Fee" to section C as borrower didn't use provider on SSPL. Information Provided     09/XX/2021     A 1 05/XX/2021 CA I 3 C   B   B   A   C   B   A   A     Exempt 1
1243607 XXXXXXXXXX XXXXXXXXXX 6118080 1062 09/XX/2021 Compliance Compliance   Compliance - CD-Clerical error correction made more than 60 days post consummation       Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2 Reviewer 09/XX/2021 01:12 PM; Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = xxxx     09/XX/2021 B 2 05/XX/2021 CA I 3 C   B   B   A   C   B   A   A     Exempt 1
1243610 XXXXXXXXXX XXXXXXXXXX 6013111 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "05/XX/2021" or prior signed by the borrowers Information Provided     09/XX/2021     A 1 XXXXXXXXXX FL I 1 D   A   A   A   D   A   C   A     Exempt 1
1243610 XXXXXXXXXX XXXXXXXXXX 6001548 459 XXXXXXXXXX Compliance Note   Note - is missing - No Image of Note found in file   Missing a complete final copy of Note. Information Provided     09/XX/2021     A 1 XXXXXXXXXX FL I 1 D   A   A   A   D   A   C   A     Exempt 1
1243610 XXXXXXXXXX XXXXXXXXXX 6001549 861 XXXXXXXXXX Compliance Note   Note - Other:     Information Provided     09/XX/2021     A 1 XXXXXXXXXX FL I 1 D   A   A   A   D   A   C   A     Exempt 1
1243610 XXXXXXXXXX XXXXXXXXXX 6001551 1067 XXXXXXXXXX Compliance Flood Insurance   Flood Insurance - Policy address is incorrect or missing   Need copy of Flood declaration. Information Provided     09/XX/2021     A 1 XXXXXXXXXX FL I 1 D   A   A   A   D   A   C   A     Exempt 1
1243610 XXXXXXXXXX XXXXXXXXXX 5994160 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX FL I 1 D   A   A   A   D   A   C   A     Exempt 1
1243647 XXXXXXXXXX XXXXXXXXXX 5994180 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   A   A   A   A   C   A     Temporary QM Safe Harbor 1
1243656 XXXXXXXXXX XXXXXXXXXX 6012521 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX OH I 13 C   A   A   A   C   A   A   A     Temporary QM Safe Harbor 1
1243753 XXXXXXXXXX XXXXXXXXXX 6012671 868 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - Other:   Hazard policy effective date is 06/XX/2021 however funding/disbursement date is 6/XX/2021. Policy must have an effective date on or before the funding/disbursement date. Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   C   A   C   A   A   A     Exempt 1
1243753 XXXXXXXXXX XXXXXXXXXX 6017736 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent form "05/XX/2021" or prior signed by the borrowers. Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   C   A   C   A   A   A     Exempt 1
1243753 XXXXXXXXXX XXXXXXXXXX 6017758 895 XXXXXXXXXX Compliance Compliance   Compliance - TRID CD- Need proof CD was received 3 days prior to consummation   Need proof Initial CD(06/XX/2021) was received 3 days prior to consummation(06/XX/2021). Information Provided   Reviewer 09/XX/2021 02:45 PM; 6/8 Cd provided does not reflect when it was received by the borrower 09/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   C   A   C   A   A   A     Exempt 1
1243833 XXXXXXXXXX XXXXXXXXXX 6046799 351 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW - DTI exceeds maximum limit   borrower dti on final us is 48% and not calculated correctly Income w-2 6666.67 rental income 280.75/present housing payment 2348.27 other debts 1516=56% Documentation has been provided.   Client 09/XX/2021 02:36 PM; From lender:&#x0D;
Rental Income on subject 2800 X 75% = $2100&#x0D;
PITIA on subject = $1819.26&#x0D;
Positive Cash Flow: $280.74&#x0D;
W2 Income: $6666.67&#x0D;
Total Income: $6947.41&#x0D;
&#x0D;
&#x0D;
Housing Payment: $2348.27&#x0D;
Other Liabilities: ($599 + $286 + $106) = $991 { I think they’re counting the xxxxxx xxxxxx and we have documentation to exclude it. }&#x0D;
Total Liabilities: $3,339.27&#x0D;
&#x0D;
$3339.27/ $6947.41 = 48.065%&#x0D;


 Reviewer 09/XX/2021 06:54 AM; supply satisfactory evidence for the exclusion of Auto loan with xxxx xxxxxx xxxx

 Reviewer 09/XX/2021 06:54 AM; evidence needed to support the exclusion of auto loan with xxxxxxx xxxxxxxx xxxx		 09/XX/2021     A 1 XXXXXXXXXX CO I 3 C   A   C   A   C   A   A   A     Exempt 1
1243833 XXXXXXXXXX XXXXXXXXXX 6012864 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX CO I 3 C   A   C   A   C   A   A   A     Exempt 1
1243833 XXXXXXXXXX XXXXXXXXXX 6012865 970 XXXXXXXXXX Compliance Compliance   Compliance - CD- Missing   Missing Initial CD issued and received by borrower 3 days prior to consummation. Information Provided     09/XX/2021     A 1 XXXXXXXXXX CO I 3 C   A   C   A   C   A   A   A     Exempt 1
1243873 XXXXXXXXXX XXXXXXXXXX 6012901 15 XXXXXXXXXX Compliance Appraisal   Appraisal - Appraisal is Subject to Repairs – a certification as to the completion of repairs is required   Appraisal is Subject to Repairs – a certification as to the completion of repairs is missing in file. CO detector installed and clears the subject to condition   Reviewer 09/XX/2021 09:39 AM; Document provided will not clear this condition. 10/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   A   A   C   A   A   A     Exempt 1
1243876 XXXXXXXXXX XXXXXXXXXX 6017528 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX PA I 13 C   A   C   A   C   A   C   A     Temporary QM Safe Harbor 1
1243876 XXXXXXXXXX XXXXXXXXXX 6017529 840 XXXXXXXXXX Compliance Disclosure   Disclosure - HPML- need evidence of rate lock date with borrower     Information Provided     09/XX/2021     A 1 XXXXXXXXXX PA I 13 C   A   C   A   C   A   C   A     Temporary QM Safe Harbor 1
1243876 XXXXXXXXXX XXXXXXXXXX 6048467 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Subjects mortgage expense was omitted from liabilities no LOE or rationale for exclusion of debt refer to AU xxxxxxx submission # xxxx 06/XX/2021 item 23 ratio information. documentation provided   Client 09/XX/2021 10:46 AM; XXXX is for the subject property, it  is now a rental, and is offset  by rental income, loan expense was included in ratios

 Reviewer 09/XX/2021 11:38 AM; condition cleared		 09/XX/2021     A 1 XXXXXXXXXX PA I 13 C   A   C   A   C   A   C   A     Temporary QM Safe Harbor 1
1243876 XXXXXXXXXX XXXXXXXXXX 6048470 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   Loan submitted as investment loan application and primary show it is primary residence and rental income is being used to onset liabilities. No LOE in file or rationale for exclusion of guideline requirement docuementation provided   Client 09/XX/2021 10:33 AM; Appraiser noted currently primary, borrower moving into new primary and will be renting out subject property

 Reviewer 09/XX/2021 11:38 AM; condition cleared		 09/XX/2021     A 1 XXXXXXXXXX PA I 13 C   A   C   A   C   A   C   A     Temporary QM Safe Harbor 1
1243882 XXXXXXXXXX XXXXXXXXXX 5994292 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX OK I 1 C   A   A   A   A   A   C   A     Exempt 1
1243885 XXXXXXXXXX XXXXXXXXXX 6017692 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX MD I 13 C   A   A   A   C   A   A   A     Temporary QM Safe Harbor 1
1243885 XXXXXXXXXX XXXXXXXXXX 5989912 975 XXXXXXXXXX Compliance Compliance   Compliance - CD- Payee Name missing or incorrect   Payee name is missing for City/County Tax/Stamps Fee in section-E in CD dated 06/XX/2021.Please Provide correct PCCD for the same.       07/XX/2021     A 1 XXXXXXXXXX MD I 13 C   A   A   A   C   A   A   A     Temporary QM Safe Harbor 1
1243885 XXXXXXXXXX XXXXXXXXXX 5989913 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           07/XX/2021     A 1 XXXXXXXXXX MD I 13 C   A   A   A   C   A   A   A     Temporary QM Safe Harbor 1
1243956 XXXXXXXXXX XXXXXXXXXX 6056477 351 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW - DTI exceeds maximum limit   * DTI variance “Audited data of 29.71% DTI is verified per the UW Income calculation. Total debt $9105.78/Total qualifying income $30645....AUS/DU Primary PITIA is entered as $3545 the 1st and 2nd mtg not including taxes and insurance, Verified Total Primary PITIA $4596.25/mo  (1st mtg $3275.32 stmt verified not escrowed/2nd mtg heloc $270.96/taxes $11182.46/Ins $1417.68) Documentation has been provided.       09/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   A   A   C   A   A   A     Exempt 1
1243956 XXXXXXXXXX XXXXXXXXXX 6017645 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   A   A   C   A   A   A     Exempt 1
1243956 XXXXXXXXXX XXXXXXXXXX 6017646 970 XXXXXXXXXX Compliance Compliance   Compliance - CD- Missing   Missing Initial CD issued and received by borrower 3 days prior to consummation. Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   A   A   C   A   A   A     Exempt 1
1244005 XXXXXXXXXX XXXXXXXXXX 6082183 351 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW - DTI exceeds maximum limit   DTI on subject property = 51.05% which exceeds guidelines. documentation provided   Client 09/XX/2021 08:50 AM; 1008 in file shows DTI of 47.746 as does the Final Approval Document

 Reviewer 09/XX/2021 11:18 AM; PITI for subject property was incorrect and should be $1387.97 with DTI of 51.05% which exceeds guidelines

 Reviewer 09/XX/2021 11:18 AM; condition amended		 09/XX/2021     A 1 XXXXXXXXXX CO I 13 A   A   A   A   A   A   A   A     Temporary QM Safe Harbor 1
1244042 XXXXXXXXXX XXXXXXXXXX 5994364 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) Information Provided     08/XX/2021     A 1 XXXXXXXXXX WA I 13 C   A   C   A   A   A   C   A     Temporary QM Safe Harbor 1
1244042 XXXXXXXXXX XXXXXXXXXX 6062374 1017 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Profit and Loss required   Loan is missing a signed, YTD Profit & Loss statement and Balance Sheet for xxxxxxx Inc. evidenced xxxxx xxxx Inc with xxxxxx xxxxxxx   Client 09/XX/2021 06:00 PM; P&amp;L for xxxx xxxx has been provided and signed by borrower.

 Reviewer 09/XX/2021 07:11 PM; A signed P&amp;L was provided; however, it did not have a business name listed.  Need to list business name on the form.

 Reviewer 09/XX/2021 07:50 AM; condition cleared for D&amp;A 		09/XX/2021     A 1 XXXXXXXXXX WA I 13 C   A   C   A   A   A   C   A     Temporary QM Safe Harbor 1
1244042 XXXXXXXXXX XXXXXXXXXX 6062382 1017 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Profit and Loss required   YTD Profit & Loss statement for xxxxx xxxxxx xxxxxx was not signed or dated. Documentation has been provided.       09/XX/2021     A 1 XXXXXXXXXX WA I 13 C   A   C   A   A   A   C   A     Temporary QM Safe Harbor 1
1244042 XXXXXXXXXX XXXXXXXXXX 6062383 1017 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Profit and Loss required   YTD Profit & Loss statement for xxxxxxxxxxxxxxx was not signed or dated. received   Client 09/XX/2021 06:04 PM; Signed P&amp;L Provided and uploaded to xxxxx.&#x0D;


 Reviewer 09/XX/2021 07:51 AM; P&amp;L for co borrower is still open and valid. 		09/XX/2021     A 1 XXXXXXXXXX WA I 13 C   A   C   A   A   A   C   A     Temporary QM Safe Harbor 1
1258274 XXXXXXXXXX XXXXXXXXXX 6063003 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   MISSING original colored photos of the subject and Comps as required to support the appraisal report. color photos not required.   Reviewer 09/XX/2021 12:41 AM; Photos in color were not included in the documents received

 Client 09/XX/2021 10:56 AM; Agree with the color photos missing in appraisal report. However, requesting condition is waived due to compensating factors: Appraisal report is complete with six comps sales and 3 rental comps. Forms 1007 &amp; 1073 are included in report per required by AUS. Comps are within range and adjustments are reasonable and support appraised value of $543,000. Internal Fraud Report doesn't indicate any high alerts for subj prop. Collateral risk score is xxx, fraud concerns pres

 Reviewer 09/XX/2021 12:21 PM; deficiency cleared 		09/XX/2021     A 1 XXXXXXXXXX NJ I 1 C   A   A   A   A   A   C   A     Exempt 1
1258274 XXXXXXXXXX XXXXXXXXXX 6050243 953 XXXXXXXXXX Compliance Client   Client - Seasoned loan. Updated Pay History will be required prior to purchase in order to clear this condition.         Reviewer 07/XX/2021 05:29 AM; need updated PH when all stips are cleared

 Reviewer 07/XX/2021 12:28 PM; need updated PH when all stips are cleared		 08/XX/2021     A 1 XXXXXXXXXX NJ I 1 C   A   A   A   A   A   C   A     Exempt 1
1258277 XXXXXXXXXX XXXXXXXXXX 6050258 201 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - is missing.   Policy was not found for subject property in Closing package.     Reviewer 07/XX/2021 11:37 AM; still need 07/XX/2021     A 1 XXXXXXXXXX CO I 3 C   A   C   A   A   A   A   A     Exempt 1
1258277 XXXXXXXXXX XXXXXXXXXX 6050259 953 XXXXXXXXXX Compliance Client   Client - Seasoned loan. Updated Pay History will be required prior to purchase in order to clear this condition.           07/XX/2021     A 1 XXXXXXXXXX CO I 3 C   A   C   A   A   A   A   A     Exempt 1
1258277 XXXXXXXXXX XXXXXXXXXX 6064250 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide a credit supplement to verify P&I and 12-month of on-time payment history fromxxxx****xxxx for property located at xxxx  P&I payment to be added to the DTI. document provided   Client 10/XX/2021 09:53 AM; Credit refresh uploaded.  Loan simple reporting as #30 and #29 on report, history reviewed for 42 months, then transferred and reporting for 4 mos &amp; showing closed/paid.  These two were able to be tied together and confirmed to be one in same by the FreddieMac # referenced on credit refresh.

 Reviewer 10/XX/2021 01:49 PM; Credit supplement provided did not show xxxx debt.

 Reviewer 10/XX/2021 02:13 PM; deficiency cleared		 10/XX/2021     A 1 XXXXXXXXXX CO I 3 C   A   C   A   A   A   A   A     Exempt 1
1258277 XXXXXXXXXX XXXXXXXXXX 6064254 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide tax payment information for property located at xxxx  Payment to be added to the DTI. Received     09/XX/2021     A 1 XXXXXXXXXX CO I 3 C   A   C   A   A   A   A   A     Exempt 1
1258277 XXXXXXXXXX XXXXXXXXXX 6064255 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide HOI payment information for property located at xxxx  Payment to be added to the DTI. Received     09/XX/2021     A 1 XXXXXXXXXX CO I 3 C   A   C   A   A   A   A   A     Exempt 1
1258303 XXXXXXXXXX XXXXXXXXXX 6056712 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) CDA received within tolerance     10/XX/2021     A 1 XXXXXXXXXX AZ I 1 C   A   C   A   C   A   A   A     Exempt 1
1258303 XXXXXXXXXX XXXXXXXXXX 6050381 868 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - Other:   Hazard Insurance Effective date 4 days post funding date     Reviewer 07/XX/2021 05:50 AM; still need, Policy must have an effective date on or before the funding/disbursement date 08/XX/2021     A 1 XXXXXXXXXX AZ I 1 C   A   C   A   C   A   A   A     Exempt 1
1258303 XXXXXXXXXX XXXXXXXXXX 6050382 51 XXXXXXXXXX Compliance AUS   AUS - is missing.           07/XX/2021     A 1 XXXXXXXXXX AZ I 1 C   A   C   A   C   A   A   A     Exempt 1
1258303 XXXXXXXXXX XXXXXXXXXX 6050383 953 XXXXXXXXXX Compliance Client   Client - Seasoned loan. Updated Pay History will be required prior to purchase in order to clear this condition.         Reviewer 07/XX/2021 05:50 AM; updated PH needed when all stips are cleared

 Reviewer 07/XX/2021 05:59 AM; will need updated after all stips cleared

 Reviewer 08/XX/2021 06:39 PM; will need updated after all stips cleared		 08/XX/2021     A 1 XXXXXXXXXX AZ I 1 C   A   C   A   C   A   A   A     Exempt 1
1258337 XXXXXXXXXX XXXXXXXXXX 6058424 327 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Satisfactory 12 mth Rental   Provide 12 Month VOR to verify rental history for xxxx xxxxxxx. lease and two months payments provided   Reviewer 09/XX/2021 04:32 PM; Two months verified for xxxx xxxxxx current housing, missing the remaining 10 months to support 0x30.

 Client 09/XX/2021 05:14 PM; The AUS states acceptable documentation includes a copy of a current fully executed lease agreement and two months cancelled checks/equivalent payment source. These are provided in the Tdoc uploaded 9/XX/2021.

 Reviewer 09/XX/2021 06:57 AM; deficiency has been cleared 		09/XX/2021     A 1 XXXXXXXXXX TX I 1 A   A   A   A   A   A   A   A     Exempt 1
1258340 XXXXXXXXXX XXXXXXXXXX 6057463 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX OR I 1 C   A   C   A   C   A   A   A     Exempt 1
1258340 XXXXXXXXXX XXXXXXXXXX 6057477 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) CDA received within tolerances     10/XX/2021     A 1 XXXXXXXXXX OR I 1 C   A   C   A   C   A   A   A     Exempt 1
1258340 XXXXXXXXXX XXXXXXXXXX 6050548 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           08/XX/2021     A 1 XXXXXXXXXX OR I 1 C   A   C   A   C   A   A   A     Exempt 1
1258340 XXXXXXXXXX XXXXXXXXXX 6050549 975 XXXXXXXXXX Compliance Compliance   Compliance - CD- Payee Name missing or incorrect   Payee name is missing for City/County/Stamps Fee in section-E in CD dated 06/XX/2021.Please Provide correct PCCD for the same.       08/XX/2021     A 1 XXXXXXXXXX OR I 1 C   A   C   A   C   A   A   A     Exempt 1
1258340 XXXXXXXXXX XXXXXXXXXX 6050551 758 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit - PITIA for other REO incorrect/not included in debt ratio   DTI exceeds 3% tolerance on AUS. documentation provided     07/XX/2021     A 1 XXXXXXXXXX OR I 1 C   A   C   A   C   A   A   A     Exempt 1
1258369 XXXXXXXXXX XXXXXXXXXX 6059844 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX OR I 1 C   A   A   A   C   A   A   A     Exempt 1
1258369 XXXXXXXXXX XXXXXXXXXX 6059845 970 XXXXXXXXXX Compliance Compliance   Compliance - CD- Missing   Missing initial CD issued and received by Borrower 3 days prior to consummation date. Information Provided  

Reviewer 09/XX/2021 11:06 AM; Initial CDs provided are stamped as "DRAFT". Please provide initial CD that are not stamped as draft.

Reviewer 09/XX/2021 06:36 AM; Condition remains outstanding.

Reviewer 09/XX/2021 04:06 PM; escalated.

Reviewer 09/XX/2021 12:55 PM; The 7/XX/2021 initial CD and the 7/XX/2021 CD are stamped DRAFT in red across the document. Please provide the actual Initial CD and revised CD without DRAFT stamped across the document.

Reviewer 09/XX/2021 03:34 PM; Tdoc provided was the seller CD. Condition remains open.

 09/XX/2021     A 1 XXXXXXXXXX OR I 1 C   A   A   A   C   A   A   A     Exempt 1
1258369 XXXXXXXXXX XXXXXXXXXX 6069022 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   The signed copy of the P&L statement from the Real Estate is missing in the file. Documentation has been provided.     Reviewer 09/XX/2021 03:22 PM; P&amp;L to be signed by the borrower as well as needs to cover January 2021 through June xx 2021. 09/XX/2021     A 1 XXXXXXXXXX OR I 1 C   A   A   A   C   A   A   A     Exempt 1
1258383 XXXXXXXXXX XXXXXXXXXX 6058295 897 XXXXXXXXXX Compliance Compliance   Compliance - TRID CD- Other   Final CD is missing in the file. Information Provided   Reviewer 09/XX/2021 10:27 AM; CD provided dated 06/xx is not for subject property and CD issued 06/xx is the initial CD. A CD signed by all borrowers at closing is required. Wet signature or Electronic Signature is acceptable. 09/XX/2021     A 1 XXXXXXXXXX TX I 13 A   A   A   A   A   A   A   A     Temporary QM Safe Harbor 1
1258383 XXXXXXXXXX XXXXXXXXXX 6058296 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information Provided     09/XX/2021     A 1 XXXXXXXXXX TX I 13 A   A   A   A   A   A   A   A     Temporary QM Safe Harbor 1
1258383 XXXXXXXXXX XXXXXXXXXX 6066188 328 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Satisfactory 12 mth Mortgage   Loan is missing 12 mo satisfactory mortgage history for xxx xxxxxxxxx xxxxxxxxxxxxxxx. Mortgage just closed for this property 06/XX/2021, borrowers most likely just made the first mortgage payment.  This was a purchase transaction - CD in file.  Condition has been cleared.       09/XX/2021     A 1 XXXXXXXXXX TX I 13 A   A   A   A   A   A   A   A     Temporary QM Safe Harbor 1
1258383 XXXXXXXXXX XXXXXXXXXX 6066189 758 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit - PITIA for other REO incorrect/not included in debt ratio   Loan is missing verification of PITI for xxx xxxxxxxxxxxxxxxxxxxx. Documentation has been provided.       09/XX/2021     A 1 XXXXXXXXXX TX I 13 A   A   A   A   A   A   A   A     Temporary QM Safe Harbor 1
1258383 XXXXXXXXXX XXXXXXXXXX 6066192 434 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Shorts Funds for Reserves   Loan requires $34,060 reserves.  $0 reserves were verified; short $34,060 reserves. Documentation has been provided.       09/XX/2021     A 1 XXXXXXXXXX TX I 13 A   A   A   A   A   A   A   A     Temporary QM Safe Harbor 1
1258400 XXXXXXXXXX XXXXXXXXXX 6059714 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   missing E-Consent dated 5/XX/2021 or Prior Information Provided     09/XX/2021     A 1 XXXXXXXXXX MD I 13 C   A   A   A   A   A   C   A     Temporary QM Safe Harbor 1
1258400 XXXXXXXXXX XXXXXXXXXX 6050738 260 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Report Incomplete   Appraisal in loan file is cut off cannot review complete appraisal and confirm data-  upload appraisal with full pages to loan file document received     08/XX/2021     A 1 XXXXXXXXXX MD I 13 C   A   A   A   A   A   C   A     Temporary QM Safe Harbor 1
1258406 XXXXXXXXXX XXXXXXXXXX 6056697 170 XXXXXXXXXX Compliance Final 1003   Final 1003 - is missing.   Final 1003 is missing in file. Information Provided   Reviewer 09/XX/2021 11:42 AM; Outstanding. 09/XX/2021     A 1 XXXXXXXXXX FL I 1 C   A   A   A   C   A   A   A     Exempt 1
1258463 XXXXXXXXXX XXXXXXXXXX 6056539 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent from "01/XX/2021" or prior signed by the borrower. Information Provided     09/XX/2021     A 1 XXXXXXXXXX MI I 3 C   A   C   A   C   A   A   A     Exempt 1
1258463 XXXXXXXXXX XXXXXXXXXX 6051018 850 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Escalated for 2nd review.   Internal review to be completed.       07/XX/2021     A 1 XXXXXXXXXX MI I 3 C   A   C   A   C   A   A   A     Exempt 1
1258463 XXXXXXXXXX XXXXXXXXXX 6051019 840 XXXXXXXXXX Compliance Disclosure   Disclosure - HPML- need evidence of rate lock date with borrower   Required for ULDD Data Discrepancy Per file documents rate lock date is 01/XX/2021. This rate lock date does not match the rate lock date on UCD.  We are unable to view this information on the UCD in file, Please provide documentation as to what the rate lock date is that was used on the FNMA UCD (per ULDD edit The Current Rate Set Date in UCD must equal the Price Lock Date) OR please provide updated UCD with 01/XX/2021 rate lock date if this is correct, because there are now 2 dates in the file you will have to advise which one is correct, if you correct the UCD.       08/XX/2021     A 1 XXXXXXXXXX MI I 3 C   A   C   A   C   A   A   A     Exempt 1
1258506 XXXXXXXXXX XXXXXXXXXX 6067616 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) CDA received within tolerance     10/XX/2021     A 1 XXXXXXXXXX IL I 3 A   A   A   A   A   A   A   A     Exempt 1
1258506 XXXXXXXXXX XXXXXXXXXX 6060723 897 XXXXXXXXXX Compliance Compliance   Compliance - TRID CD- Other   Need Payment history reflecting principal reduction amount $535.62 Information Provided   Client 09/XX/2021 04:32 PM; Please review uploaded pay history evidencing principal curtailment of $535.62

 Reviewer 09/XX/2021 08:35 AM;

 Reviewer 09/XX/2021 09:40 AM; Hello,  TDocs uploaded will be reviewed within 24 hours from time of upload. Please only escalate if docs have not been reviewed within this time frame. Thank you, xxxx		 09/XX/2021     A 1 XXXXXXXXXX IL I 3 A   A   A   A   A   A   A   A     Exempt 1
1258509 XXXXXXXXXX XXXXXXXXXX 6059967 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrower electronically need e-consent from 06/XX/2021 or prior signed by the borrower Information Provided   Client 09/XX/2021 10:26 AM; Please review evidence of E-consent uploaded for this loan to clear this finding.  Thank you.

 Reviewer 09/XX/2021 12:42 PM; Hello,&#x0D;
 Docs will be reviewed shortly.  Thank you!

 Reviewer 09/XX/2021 01:03 PM; Consent provided is dated 07/23 however the earliest dated e-signature in file was signed on 06/15. Please provide evidence the borrower consented on or before 06/15.

 Reviewer 09/XX/2021 01:59 PM;

 Reviewer 09/XX/2021 04:08 PM; updated document not provided.

 Client 09/XX/2021 02:13 PM; Please review the screen shot of E-Consent dated 6/XX/21 uploaded today to clear this condition.  Thank you.

 Reviewer 09/XX/2021 07:38 AM; Docs will be reviewed within 24 hours from upload.  Thank you!

 Reviewer 09/XX/2021 12:37 PM; 		09/XX/2021     A 1 XXXXXXXXXX CA I 3 A   A   A   A   A   A   A   A     Exempt 1
1258509 XXXXXXXXXX XXXXXXXXXX 6067618 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   No CU Score provided or available. (Internal condition only - No action required by Correspondent) CDA received and within tolerance     10/XX/2021     A 1 XXXXXXXXXX CA I 3 A   A   A   A   A   A   A   A     Exempt 1
1270938 XXXXXXXXXX XXXXXXXXXX 6106646 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event           04/XX/2021     A 1 XXXXXXXXXX NJ I 13 C   A   C   A   N/A A   C   A     Temporary QM Safe Harbor 1
1270938 XXXXXXXXXX XXXXXXXXXX 6106647 320 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Other   Missing bank statement for xxxxxxxx showing transaction history from 1/XX/20201 to 2/XX/2021. 2-month asset statements required. Transaction gaps not allowed     Reviewer 06/XX/2021 03:31 PM; Received same statement 07/XX/2021     A 1 XXXXXXXXXX NJ I 13 C   A   C   A   N/A A   C   A     Temporary QM Safe Harbor 1
1270938 XXXXXXXXXX XXXXXXXXXX 6106648 326 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Evidence Satisfaction of Debt   Missing evidence of omission for 30-day/open account xxxxxx with balance of $10,439. If account was mistakenly omitted, then AUS to be updated and AUS to request additional reserves in the amount $10,439 on top of $32,746.72 required by AUS (Total $43,185.72). Note Assets verified so far $38,506.28 ($17,604.38 xxxxxxxx + $1,616.86 xxxxxxxx + $19,285.07 xxxxxxx). AUS has the incorrect amount of Total available assets     Reviewer 07/XX/2021 05:24 AM; AUS#10 corrected. Provide additional assets verifying total reserves $50,266.80.  Assets verified and documented $38,506.38. 07/XX/2021     A 1 XXXXXXXXXX NJ I 13 C   A   C   A   N/A A   C   A     Temporary QM Safe Harbor 1
1270938 XXXXXXXXXX XXXXXXXXXX 6106649 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Borrower stated credit inquiry 12/XX/20 xxxxx is for a new car lease. Credit supplement not provided and new debt was not added to DTI. Credit Refresh indicates a new auto lease xxxxxxx opened 12/2020 with $1,216/mo payment which it matches the credit inquiry. Note Income calculated for borrower is at $37,228.83/mo ($20,833.32 Base + $16,395.51 Commission). AUS needs lease payment added and income corrected. Approve/Eligible recommendation is required after all updates have been made in AUS       07/XX/2021     A 1 XXXXXXXXXX NJ I 13 C   A   C   A   N/A A   C   A     Temporary QM Safe Harbor 1
1270938 XXXXXXXXXX XXXXXXXXXX 6106650 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Subject Negative Rent is incorrect in AUS. Rental Income was not used to qualify. PITIA for Subject property is $2,982.01/mo ($1,989.43 P&I + $538.24 Taxes + $51.34 Insurance + $403 HOA fee)     Reviewer 07/XX/2021 10:17 AM; Taxes and HOA are incorrect on AUS#8 . Provide corrected AUS or  provide supporting documentation for AUS calculations 07/XX/2021     A 1 XXXXXXXXXX NJ I 13 C   A   C   A   N/A A   C   A     Temporary QM Safe Harbor 1
1270938 XXXXXXXXXX XXXXXXXXXX 6106651 758 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit - PITIA for other REO incorrect/not included in debt ratio   Missing evidence Taxes and Insurance are escrowed for properties located at xxxxxxxx and xxxxxxx. Only HOA fee was added to property expenses on top of mortgage payment     Reviewer 05/XX/2021 11:47 AM; HOA fee verified for xxxxxxx and xxxxxxx .  Provide Mortgage statements for both properties verifying taxes and insurance are escrowed. 06/XX/2021     A 1 XXXXXXXXXX NJ I 13 C   A   C   A   N/A A   C   A     Temporary QM Safe Harbor 1
1270938 XXXXXXXXXX XXXXXXXXXX 6106652 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   UCDP reports missing CU score. Incorrect XML file was uploaded       06/XX/2021     A 1 XXXXXXXXXX NJ I 13 C   A   C   A   N/A A   C   A     Temporary QM Safe Harbor 1
1270938 XXXXXXXXXX XXXXXXXXXX 6106654 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Declarations Section of 1003 states borrower is a party of a lawsuit in which borrower potentially have any personal financial liability. Missing documentation from Borrower's Attorney regarding ongoing lawsuit. Financial liability was not added to DTI       07/XX/2021     A 1 XXXXXXXXXX NJ I 13 C   A   C   A   N/A A   C   A     Temporary QM Safe Harbor 1
1270938 XXXXXXXXXX XXXXXXXXXX 6106655 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Fraud Report shows borrower obtained a new mortgage for property located at xxxxxxxxxxxxxxx with a note date of 3/XX/2021 (Subject property mortgage closed 3/XX/2021), loan balance of $483,750 and lender is xxxxxxxxxxx (Correspondent for this loan). Final CD for new mortgage was not provided and PITIA on AUS and 1003 don't reflect new mortgage payment.     Reviewer 07/XX/2021 08:42 PM; Note $483,750, P&amp;I $2,105.31 Taxes/HOI $1,219.05 (per CD)= $3,324.36. 1003/AUS do not show new mortgage payment 07/XX/2021     A 1 XXXXXXXXXX NJ I 13 C   A   C   A   N/A A   C   A     Temporary QM Safe Harbor 1
1270946 XXXXXXXXXX XXXXXXXXXX 6106742 107 XXXXXXXXXX Compliance Deed of Trust/Mortgage   Deed of Trust/Mortgage - is missing riders.   Renewal & Extension Rider is missing.     Reviewer 06/XX/2021 05:59 AM; outstanding

 Reviewer 06/XX/2021 11:02 AM; If Renewal and Extension rider is being removed from DOT, then please provide full copy of corrected DOT, all pages, along with a LOI to  re-record the DOT.

 Reviewer 07/XX/2021 05:18 AM; LOI provided, still need a corrected and complete copy including all pages of DOT.  		 07/XX/2021     A 1 XXXXXXXXXX TX I 13 A   A   A   A   N/A A   A   A     Temporary QM Safe Harbor 1
1270975 XXXXXXXXXX XXXXXXXXXX 6106995 437 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete Verbal VOE   Missing VVOE for xxxxx xxxxx dated within 10 days of note date 7/XX/2021 from xxxxxxx xxxxxxxx documentation received     07/XX/2021     A 1 XXXXXXXXXX DC I 1 D   A   D   A   A   A   A   A     Exempt 1
1270978 XXXXXXXXXX XXXXXXXXXX 6107021 320 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Other   xxxxxxxxx  large deposit to xxxxxx dated 12/XX/2020 from sale of xxxxxx - @ $ 245247.43, ( closing statement for this property dated 12/XX/2020 shows funds $ 243150.74, date and amount do not match to the deposit shown on stmts dated 245247.43 dated 12/XX/2020) and wire out on 04/01 of $ 125570.80 has not been sufficiently documented for the acquisition of what property ( appears the wire out dated 04/01 $ 125570.80 was used to  acquire xxxxxxx, however the dates and amounts do not match to the closing statement provided       07/XX/2021     A 1 XXXXXXXXXX CO I 1 C   A   C   A   A   A   A   A     Exempt 1
1270978 XXXXXXXXXX XXXXXXXXXX 6107022 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   ** PRIMARY HOUSING - missing acceptable documentation to support the borrowers do not have any primary housing obligation, docs in file show primary home @ xxxxxxxxxx (departure home) closed 03/XX/2021 - 1003 indicates the borrower's current residence is xxxxxxxxxx and is living rent free, missing documentation to support current primary housing and evidence or supporting docs that borrower lives rent free and has no financial obligation @ xxxxxxxxxxxxx, along with certification that the borrowers are not under current contract for primary new primary home. removed the construction loan for the new primary, left  only the Lot loan for the new primary residence And taxes on property     07/XX/2021     A 1 XXXXXXXXXX CO I 1 C   A   C   A   A   A   A   A     Exempt 1
1270978 XXXXXXXXXX XXXXXXXXXX 6107023 351 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW - DTI exceeds maximum limit   **  subject property rent -  please see FNMA B3-3.1-08 -   Calculating Monthly Qualifying income -  borrower does not own primary home, and has no housing expense - rental income cannot be used to offset the liability, including the  full piti for subject in liabilities does cause the dti to exceed tolerance rental income can be used.  building new construction primary residence     06/XX/2021     A 1 XXXXXXXXXX CO I 1 C   A   C   A   A   A   A   A     Exempt 1
1270978 XXXXXXXXXX XXXXXXXXXX 6107024 328 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Satisfactory 12 mth Mortgage   1003 provided shows xxxxxxx has mortgage with xxxxxx with payment of $ 3227 and balance of $ 911250, this mortgage has not been properly documented in file nor has this mortgage been properly clarified as secured by xxxxxxxxxxxxxxxx as the Note / DOT and closing stmt for this property shows mortgage @ $ 150000 withxxxxxxxx not $ 911250, additional review and or conditions may apply       06/XX/2021     A 1 XXXXXXXXXX CO I 1 C   A   C   A   A   A   A   A     Exempt 1
1270978 XXXXXXXXXX XXXXXXXXXX 6107025 387 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Taxes and Insurance documentation   ** taxes and insurance documentation missing for property @ xxxxxxxxxxxxxxxxxxx to support $ 616.13 per month See page 712 of full package.     09/XX/2021     A 1 XXXXXXXXXX CO I 1 C   A   C   A   A   A   A   A     Exempt 1
1270978 XXXXXXXXXX XXXXXXXXXX 6107026 389 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Fraud Alert documentation   **credit report shows fraud victim alert - missing acceptable lender certification for fraud victim alert See page 776 of full package.     09/XX/2021     A 1 XXXXXXXXXX CO I 1 C   A   C   A   A   A   A   A     Exempt 1
1270981 XXXXXXXXXX XXXXXXXXXX 6107041 320 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Other   Signed CD in file reflects $3962.88 to borrower at closing. Limited refinance allows $2000 or 2% the lessor. Verify if cash back to borrower meets guidelines.       07/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   C   A     Exempt 1
1270981 XXXXXXXXXX XXXXXXXXXX 6107042 260 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Report Incomplete   Missing original appraisal with color photos for subject property document received     07/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   C   A     Exempt 1
1270989 XXXXXXXXXX XXXXXXXXXX 6107086 442 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Retirement income docs missing/incomplete   $4166.51 monthly retirement income was used to qualify. December 2020 and March 2021 xxxxxx. show retirement deposits from xxxxx, however we do not  have a retirment/pension letter to verify the start date the monthly payment amount and continuance for a minimum of 3 years from the note date. Provide the awards letter. Additional conditions may apply. documentation provided     07/XX/2021     A 1 XXXXXXXXXX CA I 3 D   A   D   A   A   A   A   A     Exempt 1
1270995 XXXXXXXXXX XXXXXXXXXX 6107114 1015 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - IRS Transcripts required   Missing 2019 and 2018 tax transcripts.       07/XX/2021     A 1 XXXXXXXXXX OR I 13 D   A   D   A   N/A A   A   A     Temporary QM Safe Harbor 1
1270995 XXXXXXXXXX XXXXXXXXXX 6107115 431 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing   Missing 2 months bank statement for xxxxx to support YTD P&L       06/XX/2021     A 1 XXXXXXXXXX OR I 13 D   A   D   A   N/A A   A   A     Temporary QM Safe Harbor 1
1270995 XXXXXXXXXX XXXXXXXXXX 6107116 327 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Satisfactory 12 mth Rental   Missing verification of rental expense for xxxxxxxxxxxxxxxxxx to confirm $0 rent required as submitted to AUS See page 366 of the bulk upload file.     09/XX/2021     A 1 XXXXXXXXXX OR I 13 D   A   D   A   N/A A   A   A     Temporary QM Safe Harbor 1
1270998 XXXXXXXXXX XXXXXXXXXX 6107137 1017 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Profit and Loss required   YTD P&L for xxxxxxxxxxxxxxx DBA xxxxxxxxxxxxxxxxxxx is missing from the file. documentation provided     07/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   A   A   A   A     Exempt 1
1270998 XXXXXXXXXX XXXXXXXXXX 6107138 1017 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Profit and Loss required   YTD P&L for xxxxxxxxxxxxxxxxxxx is missing from the file. documentation provided     07/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   A   A   A   A     Exempt 1
1270998 XXXXXXXXXX XXXXXXXXXX 6107139 387 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Taxes and Insurance documentation   Evidence of tax amount for xxxxxxxxxxxxxxxxxx property is missing from the file. documentation provided     07/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   A   A   A   A     Exempt 1
1270998 XXXXXXXXXX XXXXXXXXXX 6107140 331 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income - AUS Validation   AUS is unacceptable. The AUS in file reflects five rental properties, however all rental properties are included in thexxxxxxxxxxxxxx. All the rental properties should be removed from borrower's REO and the xxxxxxxxxxxxxxx Partnership income should be reflected as additional self employment. documentation provided     07/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   A   A   A   A     Exempt 1
1271210 XXXXXXXXXX XXXXXXXXXX 6108556 393 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Missing undisclosed properties   Disposition letter from xxxx xxxx for undisclosed property not listed on the application, located at xxxx xxxx xxxx xxxxx Property is listed on fraud report note date 6/XX/2021. Additional conditions may apply.  LOX subject property closed 5/XX/2021 so additional property was purchased 6/XX/2021 note date after closing of subject.     09/XX/2021     A 1 XXXXXXXXXX GA I 1 A   A   A   A   A   A   A   A     Exempt 1
1271221 XXXXXXXXXX XXXXXXXXXX 6108615 867 XXXXXXXXXX Credit 4506   4506 - Other:   Current Address of borrower in 4506-C form is not reflecting.       07/XX/2021     A 1 XXXXXXXXXX NV I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1271221 XXXXXXXXXX XXXXXXXXXX 6108616 339 XXXXXXXXXX Credit UW Other   UW Other - UW - Data Input Error   1008 project classification selection is not selected, and PUD questionnaire is not provided;       07/XX/2021     A 1 XXXXXXXXXX NV I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1271238 XXXXXXXXXX XXXXXXXXXX 6108675 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Borrower to provide copy of fully executed divorce decree       07/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   A   A     Exempt 1
1271238 XXXXXXXXXX XXXXXXXXXX 6108676 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide closing disclosure and copy of the Notes for simultaneous refinancing of property located at xxxx xxxx xxxx xxxx, xxxx xxxx and xxxx xxxx xxxx xxxx xxxx       07/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   C   A   A   A   A   A     Exempt 1
1271310 XXXXXXXXXX XXXXXXXXXX 6108969 1006 XXXXXXXXXX Credit UW Approval   UW Approval - UW Approval - 1008 or 92900 LT missing   1008 reflects DTI of 20.91% / 37.38% with incorrect loan amount and interest rate. Note and AUS reflect loan amount of $340,000.00 with rate of 3.250% 1008 reflects loan amount of $345,000.00 with rate of 2.875%. Difference in income AUS $4,263.23 1008 reflects $3,387.36.Provide corrected 1008.       07/XX/2021     A 1 XXXXXXXXXX NY I 3 D   A   D   A   A   A   A   A     Exempt 1
1271313 XXXXXXXXXX XXXXXXXXXX 6108991 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           07/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   C   A   A   A     Exempt 1
1271313 XXXXXXXXXX XXXXXXXXXX 6108992 975 XXXXXXXXXX Compliance Compliance   Compliance - CD- Payee Name missing or incorrect   Payee name is missing for Homeowner's Insurance Premium Fee in section-F in CD dated 06/XX/2021.Please Provide correct PCCD for the same.       07/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   C   A   A   A     Exempt 1
1271324 XXXXXXXXXX XXXXXXXXXX 6109042 868 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - Other:   Hazard insurance showing property address city name "xxxx" however Note showing "xxxx xxxx"     Reviewer 07/XX/2021 01:26 PM; Documentation provide will not clear this deficiency. 07/XX/2021     A 1 XXXXXXXXXX NY I 1 C   A   C   A   C   A   C   A     Exempt 1
1271324 XXXXXXXXXX XXXXXXXXXX 6109043 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrowers electronicxxxx need e-consent from "06/XX/2021" or prior signed by the borrowers.       07/XX/2021     A 1 XXXXXXXXXX NY I 1 C   A   C   A   C   A   C   A     Exempt 1
1271370 XXXXXXXXXX XXXXXXXXXX 6109293 978 XXXXXXXXXX Compliance Application   Application - Demographic Addendum - Missing or Incomplete   Mode of taking interview of (xxxx) is missing in demographic addendum.       07/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   C   A   B   A   A   A     Exempt 1
1271370 XXXXXXXXXX XXXXXXXXXX 6109295 320 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Other   Bank statements are missing to verify the available funds used for down payment/closing costs and reserves. Per app, xxxx, xxxx & xxxx account statements were used but none has been uploaded in the loan file.     Reviewer 07/XX/2021 12:03 PM; 1003 reflects xxxx #xxxx 70% $23,225.20, xxxx #xxxx $42.50, xxxx #xxxx $12.13, xxxx #xxxx $3,843.81 (70%). Additional statements from xxxx #xxxx $5,112.47 (not listed on AUS). Funds required to close per AUS $72,412.99 and Reserves $8,220.80= $70,633.79 to be verified. Assets provided are not sufficient. 07/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   C   A   B   A   A   A     Exempt 1
1271376 XXXXXXXXXX XXXXXXXXXX 6109323 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   YTD P&L provided is through May xx; Bank statements for xxxx #xxxx are provided through April 2021; requirement is for last 3 months of P&L, May is missing; May statement received     07/XX/2021     A 1 XXXXXXXXXX TX I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1271376 XXXXXXXXXX XXXXXXXXXX 6109324 1015 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - IRS Transcripts required   2019 tax transcripts required for SE are not provided. document received   Reviewer 07/XX/2021 11:44 AM; Tax transcripts are required for Self Employed individuals per guidelines.  Please provide 2019 tax transcripts. 08/XX/2021     A 1 XXXXXXXXXX TX I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1271404 XXXXXXXXXX XXXXXXXXXX 6109472 978 XXXXXXXXXX Compliance Application   Application - Demographic Addendum - Missing or Incomplete   Require updated Demographic information addendum with complete information of "To be completed by Financial Institution".       07/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   C   A   A   A     Exempt 1
1271404 XXXXXXXXXX XXXXXXXXXX 6109474 879 XXXXXXXXXX Compliance Application   Application - Other:   Require new version of loan Application form as the application date is 04/XX/2021 .     Reviewer 07/XX/2021 08:35 AM;   07/XX/2021     A 1 XXXXXXXXXX CA I 3 C   A   A   A   C   A   A   A     Exempt 1
1271410 XXXXXXXXXX XXXXXXXXXX 6109512 380 XXXXXXXXXX Credit UW Other   UW Other - UW - Lease Agreements   Please provide lease agreement for subject property REO xxx Document received   Reviewer 07/XX/2021 01:24 PM; Subject negative cash flow &lt;$839.12&gt; Comp rent schedule was not included in appraisal.

 Reviewer 07/XX/2021 06:04 AM; Provide either lease or reach out to appraiser for comparative rent schedule and recalculate and update AUS/1008/1003, as applicable.		 07/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   A   A   A   A     Exempt 1
1271410 XXXXXXXXXX XXXXXXXXXX 6109513 387 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Taxes and Insurance documentation   Please provide property taxes & HOA fees for REO xxxx       07/XX/2021     A 1 XXXXXXXXXX CA I 1 C   A   C   A   A   A   A   A     Exempt 1
1271413 XXXXXXXXXX XXXXXXXXXX 6109530 1043 XXXXXXXXXX Compliance Compliance   Compliance - Compliance HPML - Need Lender's indication of whether loan is HPML or not. (lender's compliance report, or system screenshot displaying HPML results)   Compliance document was not found to confirm HPML. uploaded 7/13. Not HPML     07/XX/2021     A 1 XXXXXXXXXX NJ I 1 C   A   A   A   C   A   A   A     Exempt 1
1271416 XXXXXXXXXX XXXXXXXXXX 6109543 1011 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Calculation Discrepancy rental income   Documentation is missing that support rental income of $2,050 from the investment property located at xxxx xxxx xxxx. PITI of $1,867 and net rental income of $59.00 document received.   Reviewer 08/XX/2021 09:22 AM; Rental income calculations: HOI $1,456 Mtg Interest $8,885 Taxes $7,717  Net Income/Loss &lt;$22,219&gt;= &lt;$4,151&gt; 9 months rented= &lt;$461 less PITI $1,867= &lt;$2,328&gt; negative rent

 Reviewer 08/XX/2021 12:01 PM; documents did not show correct negative rental income as calculated by UW		 08/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   C   A   A   A   A   A     Exempt 1
1271416 XXXXXXXXXX XXXXXXXXXX 6109544 326 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Evidence Satisfaction of Debt   Documentation is missing for the omission of the following debt from the ratios xxxx xxxx xxxx xxxx lease $xxxx. document received     08/XX/2021     A 1 XXXXXXXXXX TX I 1 C   A   C   A   A   A   A   A     Exempt 1
1271427 XXXXXXXXXX XXXXXXXXXX 6109591 978 XXXXXXXXXX Compliance Application   Application - Demographic Addendum - Missing or Incomplete   NOT COMPLETED       07/XX/2021     A 1 XXXXXXXXXX CO I 13 D   A   D   A   B   A   A   A     Temporary QM Safe Harbor 1
1271427 XXXXXXXXXX XXXXXXXXXX 6109592 868 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - Other:   NEED TO SEE THAT COVERAGE WAS UNDER A RENEWAL POLICY AS THIS ONE BEGINS ON 7/XX/2021       07/XX/2021     A 1 XXXXXXXXXX CO I 13 D   A   D   A   B   A   A   A     Temporary QM Safe Harbor 1
1271427 XXXXXXXXXX XXXXXXXXXX 6109593 1006 XXXXXXXXXX Credit UW Approval   UW Approval - UW Approval - 1008 or 92900 LT missing   1008 MISSING       07/XX/2021     A 1 XXXXXXXXXX CO I 13 D   A   D   A   B   A   A   A     Temporary QM Safe Harbor 1
1271473 XXXXXXXXXX XXXXXXXXXX 6109759 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Tax Consent from is missing from file.       07/XX/2021     A 1 XXXXXXXXXX ID I 1 C   A   A   A   C   A   C   A     Exempt 1
1271493 XXXXXXXXXX XXXXXXXXXX 6109829 978 XXXXXXXXXX Compliance Application   Application - Demographic Addendum - Missing or Incomplete   Please complete Ethnicity and Race portion of DEMO doc       08/XX/2021     A 1 XXXXXXXXXX MD I 13 B   A   A   A   B   A   A   A     Temporary QM Safe Harbor 1
1271522 XXXXXXXXXX XXXXXXXXXX 6109924 318 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Source of Large Deposit   Unable to locate documentation on file to support large deposits made. Need explanation for large deposits in the amount of $36,150 on 06/XX/2021 and $57,899 on 05/XX/2021 in borrower’s business account ending in xxxx document received   Reviewer 08/XX/2021 03:17 PM; LOE states large deposits from xxxx xxxx xxxx.Provide invoices/copy of checks verifying sourced from xxxx xxxx xxxx. Business account does not reflect prior larger deposits. 08/XX/2021     A 1 XXXXXXXXXX MO I 1 C   A   C   A   A   A   A   A     Exempt 1
1271533 XXXXXXXXXX XXXXXXXXXX 6109951 978 XXXXXXXXXX Compliance Application   Application - Demographic Addendum - Missing or Incomplete   Both Borrower's Race not selected on Demographic Addendum       07/XX/2021     A 1 XXXXXXXXXX OR I 1 B   A   A   A   B   A   A   A     Exempt 1
1271539 XXXXXXXXXX XXXXXXXXXX 6109967 316 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Liquidation   Missing terms of withdrawal document received     08/XX/2021     A 1 XXXXXXXXXX CA I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1271553 XXXXXXXXXX XXXXXXXXXX 6110002 201 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - is missing.   Only the Certificate of Insurance provided is for the xxxx xxxx Condominium Owners Association. We need to have the Hazzard insurance policy for our records.     Reviewer 08/XX/2021 06:10 PM; needs to state walls-in or provide HO-6 policy 08/XX/2021     A 1 XXXXXXXXXX WA I 1 A   A   A   A   A   A   A   A     Exempt 1
1271593 XXXXXXXXXX XXXXXXXXXX 6110135 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   MISSING MOST RECENT MORTGAGE STATEMENT OR CLOSING DISCLOSURE FOR xxxx xxxx MTG #xxxx.       07/XX/2021     A 1 XXXXXXXXXX FL I 13 D   A   D   A   A   A   A   A     Temporary QM Safe Harbor 1
1271593 XXXXXXXXXX XXXXXXXXXX 6110136 1010 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Debt clarification - Provide explanation for ommission of debt from AUS   MISSING DOUCMENTATION TO SUPPORT THE OMISSION FOR THE FOLLOWING ACCOUNTS xxxx xxxx MTG #xxxx, xxxx/xxxx #xxxx & xxxx #xxxx     Reviewer 07/XX/2021 10:03 AM; Did not receive documentation for omission of xxxx xxxx xxxx #xxxx 07/XX/2021     A 1 XXXXXXXXXX FL I 13 D   A   D   A   A   A   A   A     Temporary QM Safe Harbor 1
1271593 XXXXXXXXXX XXXXXXXXXX 6110137 431 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing   MISSING MOST RECENT STATEMENT FOR xxxx (EXPIRED ON 5/XX/2021 PRIOR TO CLOSING)       07/XX/2021     A 1 XXXXXXXXXX FL I 13 D   A   D   A   A   A   A   A     Temporary QM Safe Harbor 1
1271599 XXXXXXXXXX XXXXXXXXXX 6110154 875 XXXXXXXXXX Compliance Disclosure   Disclosure - Other:   xxxx xxxx - Commitment Agreement is missing in file.       07/XX/2021     A 1 XXXXXXXXXX NY I 1 C   A   A   A   C   A   C   A     Exempt 1
1271602 XXXXXXXXXX XXXXXXXXXX 6110167 382 XXXXXXXXXX Credit UW Other   UW Other - UW - HUD-1 to evidence source of funds   Missing Final CD for purchase of subject for $xxxxxx with source of cash and no mortgage involved as title commitment does not reflect a mortgage The subject property was purchased 12/XX/2020. Over 6 months prior to the Note Date.       09/XX/2021     A 1 XXXXXXXXXX MN I 13 A   A   A   A   A   A   A   A     Temporary QM Safe Harbor 1
1271656 XXXXXXXXXX XXXXXXXXXX 6110367 978 XXXXXXXXXX Compliance Application   Application - Demographic Addendum - Missing or Incomplete   Demographic Information Source missing       08/XX/2021     A 1 XXXXXXXXXX OK I 1 C   A   C   A   B   A   A   A     Exempt 1
1271659 XXXXXXXXXX XXXXXXXXXX 6110378 978 XXXXXXXXXX Compliance Application   Application - Demographic Addendum - Missing or Incomplete   DEM ADDENDUM IS INCOMPLETE, DID NOT FILL OUT ETHNICITY INFO       08/XX/2021     A 1 XXXXXXXXXX AR I 1 C   A   A   A   C   A   C   A     Exempt 1
1271659 XXXXXXXXXX XXXXXXXXXX 6110380 978 XXXXXXXXXX Compliance Application   Application - Demographic Addendum - Missing or Incomplete   Required for ULDD Data Discrepancy In the given Application Demographic Addendum, Ethnicity info is not checked for both borrower and co-borrower. Please provide Complete and updated Application Demographic Addendum.       08/XX/2021     A 1 XXXXXXXXXX AR I 1 C   A   A   A   C   A   C   A     Exempt 1
1271662 XXXXXXXXXX XXXXXXXXXX 6110395 978 XXXXXXXXXX Compliance Application   Application - Demographic Addendum - Missing or Incomplete   Ethnicity is missing for Borrower.     Reviewer 07/XX/2021 04:31 PM; race is still not completed

 Reviewer 07/XX/2021 04:31 PM; race is still not completed

 Reviewer 07/XX/2021 04:34 PM; race is still not completed		 08/XX/2021     A 1 XXXXXXXXXX TX I 1 B   A   A   A   B   A   A   A     Exempt 1
1271662 XXXXXXXXXX XXXXXXXXXX 6110398 978 XXXXXXXXXX Compliance Application   Application - Demographic Addendum - Missing or Incomplete   Required for ULDD Data Discrepancy  Application Demographic Addendum incomplete. The race information was not provided for this borrower (xxxx xxxx).       08/XX/2021     A 1 XXXXXXXXXX TX I 1 B   A   A   A   B   A   A   A     Exempt 1
1271705 XXXXXXXXXX XXXXXXXXXX 6110559 434 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Shorts Funds for Reserves   Missing proof of Assets required to meet reserves of XXXXXX assets received   Reviewer 08/XX/2021 01:54 PM; Need additional documentation to support assets 09/XX/2021     A 1 XXXXXXXXXX FL I 13 C   A   C   A   A   A   A   A     Temporary QM Safe Harbor 1
1271728 XXXXXXXXXX XXXXXXXXXX 6110710 438 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing pay stub   Provide supporting documents for Pension income document received     07/XX/2021     A 1 XXXXXXXXXX MO I 13 D   A   D   A   A   A   A   A     Temporary QM Safe Harbor 1
1271742 XXXXXXXXXX XXXXXXXXXX 6110802 9 XXXXXXXXXX Credit Application   Application - is missing   APPLICATION IS MISSING FOR BORROWER xxxx.       08/XX/2021     A 1 XXXXXXXXXX NV I 1 C   A   C   A   A   A   A   A     Exempt 1
1276995 XXXXXXXXXX XXXXXXXXXX 6150962 986 XXXXXXXXXX Compliance Compliance   Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event   Initial disclosures were delivered to the borrowers electronically need e-consent form "07/XX/2021" or prior signed by the borrowers. Information Provided   Client 10/XX/2021 03:52 PM; Please review uploaded E-Consent to clear this finding.  Thank you.

 Reviewer 10/XX/2021 08:19 AM;

 Reviewer 10/XX/2021 08:41 AM; Docs will be reviewed within 24 hours from upload.  Thanks! 		10/XX/2021     A 1 XXXXXXXXXX FL I 1 C   A   A   A   C   A   A   A     Exempt 1