EX-99.7 8 ex99-7.htm CANOPY RATING AGENCY GRADES DETAIL REPORT

Exhibit 99.7

Loan ID Seller Loan ID Investor Loan ID Overall Initial Loan Grade Overall Final Loan Grade Credit Initial Loan Grade Credit Current/Final Loan Grade Compliance Initial Loan Grade Compliance Current/Final Loan Grade Property Initial Loan Grade Property Current/Final Loan Grade Queue Finding Code Date Created Date Modified Finding Status Event Level Initial Finding Grade Current/Final Finding Grade Finding Category Finding Sub Category Finding Name Finding Comments Seller Comments Resolution Comments Reviewer Comp Factor Originator Comp Factors Finding Documents Originator QM Status Final Reviewed QM Status Loan Amount Property State Occupancy Loan Purpose Refinance Purpose Acknowledged / WaivedBy Waiver in File?

100003526 B B A A B B A A Closed FCOM1797 2022-02-09 13:28 2022-02-25 17:22 Acknowledged 2 - Non-Material D B Compliance Missing Doc Service Provider List is Missing Acknowledged-Error or SPL did not cause any issues related to fees or tolerance issues and thus the issue is non-material per the TRID Grid scope.   - Due Diligence Vendor-02/25/2022

Open-**SPL that is found on page 4 of the PDF, does not state a Provider name - Due Diligence Vendor-02/09/2022 Acknowledged-Error or SPL did not cause any issues related to fees or tolerance issues and thus the issue is non-material per the TRID Grid scope.   - Due Diligence Vendor-02/25/2022

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003531 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Home Improvement/Reno

100003476 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003530 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated

100003525 D A A A D A A A Closed FCOM1232 2022-03-28 14:04 2022-03-28 14:30 Resolved 1 - Information D A Compliance Missing Doc - Closing Package The Final 1003 is Missing Resolved-Final 1003 signed electronically by borrower post-closing, acknowledging loan terms and information used for qualification. - Due Diligence Vendor-03/28/2022

Ready for Review-Document Uploaded.  - Seller-03/28/2022

Open-The Final 1003 is Missing - Due Diligence Vendor-03/22/2022 Ready for Review-Document Uploaded.  - Seller-03/28/2022

Resolved-Final 1003 signed electronically by borrower post-closing, acknowledging loan terms and information used for qualification. - Due Diligence Vendor-03/28/2022

xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003525 D A A A D A A A Closed finding-3393 2022-03-23 10:18 2022-03-25 12:29 Resolved 1 - Information C A Compliance Points & Fees High-Cost Mortgage Points and Fees Threshold Test Resolved-***Undiscounted rate provided showing xxx% as par.   - Due Diligence Vendor-03/25/2022
Open-This loan failed the high-cost mortgage points and fees threshold test due to one of the following findings: ( 12 CFR §1026.32(a)(1)(ii)(A), (B) )The loan amount is $xxx or more, and the transaction's total points and fees is $xxx, which exceeds 5 percent of the total loan amount of $xxx; or The loan amount is less than $xxx and the transaction's total points and fees is $xxx, which exceeds the lesser of 8 percent of the total loan amount of $xxx or $xxx. ***File contains no evidence of bona fide discount points - Due Diligence Vendor-03/23/2022
Open-This loan failed the high-cost mortgage points and fees threshold test due to one of the following findings: ( 12 CFR §1026.32(a)(1)(ii)(A), (B) )The loan amount is $xxx or more, and the transaction's total points and fees is $xxx, which exceeds 5 percent of the total loan amount of $xxx; or The loan amount is less than $xxx and the transaction's total points and fees is $xxx, which exceeds the lesser of 8 percent of the total loan amount of $xxx or $xxx. - Due Diligence Vendor-03/23/2022 Resolved-***Undiscounted rate provided showing xxx% as par.   - Due Diligence Vendor-03/25/2022
ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003525 D A A A D A A A Closed finding-3399 2022-03-23 10:18 2022-03-25 12:29 Resolved 1 - Information C A Compliance Disclosures (Federal, State, and Data Dependent) High-Cost Mortgage Timing of Disclosure Test Resolved-***Undiscounted rate provided showing xxx% as par.   - Due Diligence Vendor-03/25/2022
Open-This loan failed the high-cost mortgage timing of disclosure test due to one of the following findings: ( 12 CFR §1026.31(c) )The High-Cost Mortgage Disclosure Date indicates the creditor did not furnish the disclosure required by 12 CFR §1026.32 at least three business days prior to the consummation or account opening of a high-cost mortgage; orThe High-Cost Mortgage Disclosure Date was not provided; orNeither the consummation date nor the closing date was provided. ***File contains no evidence of bona fide discount points - Due Diligence Vendor-03/23/2022
Open-This loan failed the high-cost mortgage timing of disclosure test due to one of the following findings: ( 12 CFR §1026.31(c) )The High-Cost Mortgage Disclosure Date indicates the creditor did not furnish the disclosure required by 12 CFR §1026.32 at least three business days prior to the consummation or account opening of a high-cost mortgage; orThe High-Cost Mortgage Disclosure Date was not provided; orNeither the consummation date nor the closing date was provided. - Due Diligence Vendor-03/23/2022 Resolved-***Undiscounted rate provided showing xxx% as par.   - Due Diligence Vendor-03/25/2022
ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003525 D A A A D A A A Closed finding-3408 2022-03-23 10:18 2022-03-25 12:28 Resolved 1 - Information C A Compliance Points & Fees High-Cost Mortgage Late Fee Test Resolved-***Undiscounted rate provided showing xxx% as par.   - Due Diligence Vendor-03/25/2022
Open-This loan failed the high-cost mortgage late charges test for one of the following reasons: ( 12 CFR §1026.34(a)(8)(i) )The loan provides for a late payment fee in excess of 4% of the amount of the payment past due; orA value for the late charges amount was not provided.Any late payment charge imposed in connection with a high-cost mortgage must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed 4 percent of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. - Due Diligence Vendor-03/23/2022
Open-This loan failed the high-cost mortgage late charges test for one of the following reasons: ( 12 CFR §1026.34(a)(8)(i) )The loan provides for a late payment fee in excess of 4% of the amount of the payment past due; orA value for the late charges amount was not provided.Any late payment charge imposed in connection with a high-cost mortgage must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed 4 percent of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. **File contains no evidence of bona fide discount points - Due Diligence Vendor-03/23/2022 Resolved-***Undiscounted rate provided showing xxx% as par.   - Due Diligence Vendor-03/25/2022
ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003525 D A A A D A A A Closed finding-3406 2022-03-23 10:18 2022-03-25 12:28 Resolved 1 - Information C A Compliance Disclosures (Federal, State, and Data Dependent) High-Cost Mortgage Pre-Loan Counseling Date Test Resolved-***Undiscounted rate provided showing xxx% as par.   - Due Diligence Vendor-03/25/2022
Open-This loan failed the high-cost mortgage pre-loan counseling date test due to one of the following findings:  (12 CFR §1026.34(a)(5)(i), (ii))The loan is a 2010 RESPA loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the good faith estimate or the disclosures required by 12 CFR §1026.40; or The loan is a 2015 TRID loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the initial loan estimate or the disclosures required by 12 CFR §1026.40; or The High-Cost Mortgage Pre-Loan Counseling Date was not provided; orThe High-Cost Mortgage Pre-Loan Counseling Date is on or after the closing date or estimated closing date.Certification of counseling required. A creditor shall not extend a high-cost mortgage to a consumer unless the creditor receives written certification that the consumer has obtained counseling on the advisability of the mortgage from a counselor that is approved to provide such counseling by the Secretary of the U.S. Department of Housing and Urban Development or, if permitted by the Secretary, by a State housing finance authority.(ii) Timing of counseling. The counseling required under this paragraph (a)(5) must occur after:(A) The consumer receives either the disclosure required by section 5(c) of the Real Estate Settlement Procedures Act of 1974 (12 U.S.C. 2604(c)) or the disclosures required by §1026.40; or(B) The consumer receives the disclosures required by §1026.32(c), for transactions in which neither of the disclosures listed in (A) are provided. ***File contains no evidence of bona fide discount points - Due Diligence Vendor-03/23/2022
Open-This loan failed the high-cost mortgage pre-loan counseling date test due to one of the following findings:  (12 CFR §1026.34(a)(5)(i), (ii))The loan is a 2010 RESPA loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the good faith estimate or the disclosures required by 12 CFR §1026.40; or The loan is a 2015 TRID loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the initial loan estimate or the disclosures required by 12 CFR §1026.40; or The High-Cost Mortgage Pre-Loan Counseling Date was not provided; orThe High-Cost Mortgage Pre-Loan Counseling Date is on or after the closing date or estimated closing date.Certification of counseling required. A creditor shall not extend a high-cost mortgage to a consumer unless the creditor receives written certification that the consumer has obtained counseling on the advisability of the mortgage from a counselor that is approved to provide such counseling by the Secretary of the U.S. Department of Housing and Urban Development or, if permitted by the Secretary, by a State housing finance authority.(ii) Timing of counseling. The counseling required under this paragraph (a)(5) must occur after:(A) The consumer receives either the disclosure required by section 5(c) of the Real Estate Settlement Procedures Act of 1974 (12 U.S.C. 2604(c)) or the disclosures required by §1026.40; or(B) The consumer receives the disclosures required by §1026.32(c), for transactions in which neither of the disclosures listed in (A) are provided. - Due Diligence Vendor-03/23/2022 Resolved-***Undiscounted rate provided showing xxx% as par.   - Due Diligence Vendor-03/25/2022
ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003525 D A A A D A A A Closed finding-3631 2022-03-24 11:10 2022-03-24 13:25 Resolved 1 - Information C A Compliance Points & Fees Reimbursement Amount Validation Test Resolved- ***Received COC and Revised CD dated 3/10/2022. - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded.  - Seller-03/24/2022

Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/23/2022

Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. ***Loan Discount Points increased (1469) on the Final CD. COC was not noted in file  - Due Diligence Vendor-03/23/2022 Ready for Review-Document Uploaded.  - Seller-03/24/2022

Resolved- ***Received COC and Revised CD dated 3/10/2022. - Due Diligence Vendor-03/24/2022

xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003525 D A A A D A A A Closed finding-3632 2022-03-24 11:42 2022-03-24 13:25 Resolved 1 - Information C A Compliance Disclosures (Federal, State, and Data Dependent) Consummation or Reimbursement Date Validation Test Resolved- ***Received COC and Revised CD dated 3/10/2022. - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded.  - Seller-03/24/2022

Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/23/2022

Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. ***Loan Discount Points increased (1469) on the Final CD. COC was not noted in file  - Due Diligence Vendor-03/23/2022 Ready for Review-Document Uploaded.  - Seller-03/24/2022

Resolved- ***Received COC and Revised CD dated 3/10/2022. - Due Diligence Vendor-03/24/2022

xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003525 D A A A D A A A Closed finding-3634 2022-03-24 11:42 2022-03-24 13:25 Resolved 1 - Information C A Compliance TRID Tolerance Charges That Cannot Increase Test Resolved- ***Received COC and Revised CD dated 3/10/2022. - Due Diligence Vendor-03/24/2022
Ready for Review-Document Uploaded.  - Seller-03/24/2022
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ***Loan Discount Points increased (xxx) on the Final CD. COC was not noted in file  - Due Diligence Vendor-03/23/2022
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-03/23/2022 Ready for Review-Document Uploaded.  - Seller-03/24/2022

Resolved- ***Received COC and Revised CD dated 3/10/2022. - Due Diligence Vendor-03/24/2022

xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003516 B A B A A A A A Closed FCRE1183 2022-03-29 13:39 2022-03-29 17:00 Resolved 1 - Information B A Credit Missing Doc - Approval Info Approval/Underwriting Summary Partially Provided Resolved-Updated approval provided revising expiration dates and confirmed dates for asset statements in file match accordingly- issue resolved. - Due Diligence Vendor-03/29/2022

Ready for Review-Document Uploaded.  - Seller-03/29/2022

Open-Underwriting Final Approval states loan must close/fund by 2/13/22 but loan did not close until 3/17/22. Please provide updated approval valid through close/fund date. - Due Diligence Vendor-03/29/2022 Ready for Review-Document Uploaded.  - Seller-03/29/2022

Resolved-Updated approval provided revising expiration dates and confirmed dates for asset statements in file match accordingly- issue resolved. - Due Diligence Vendor-03/29/2022

xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated N/A N/A

100003517 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003541 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003480 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003512 C A A A C A A A Closed finding-3634 2022-04-19 15:28 2022-04-20 08:42 Resolved 1 - Information C A Compliance TRID Tolerance Charges That Cannot Increase Test Resolved-***Received Revised Loan Estimate and COC issued 2.25.22. - Due Diligence Vendor-04/20/2022
Ready for Review-Document Uploaded. Please advise why COC is not sufficient? - Seller-04/19/2022
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ****Loan Discount Points were added (xxx). COC date of change xx/xx references  points. Valid Re Disclosure for points not located in file.  - Due Diligence Vendor-04/19/2022
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-04/18/2022 Ready for Review-Document Uploaded. Please advise why COC is not sufficient? - Seller-04/19/2022

Resolved-***Received Revised Loan Estimate and COC issued xxx. - Due Diligence Vendor-04/20/2022
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 134 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 642 is Greater Than The Guideline Minimum Of 600 By Twenty (20) or More Points xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003512 C A A A C A A A Closed finding-3632 2022-04-19 15:28 2022-04-20 08:42 Resolved 1 - Information C A Compliance Disclosures (Federal, State, and Data Dependent) Consummation or Reimbursement Date Validation Test Resolved-***Received Revised Loan Estimate and COC issued 2.25.22. - Due Diligence Vendor-04/20/2022
Ready for Review-Document Uploaded.  - Seller-04/19/2022
Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. ****Loan Discount Points were added (xxx). COC date of change xx/xx references  points. Valid Re Disclosure for points not located in file.  - Due Diligence Vendor-04/19/2022
Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/18/2022 Ready for Review-Document Uploaded.  - Seller-04/19/2022

Resolved-***Received Revised Loan Estimate and COC issued xxx. - Due Diligence Vendor-04/20/2022
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 134 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 642 is Greater Than The Guideline Minimum Of 600 By Twenty (20) or More Points xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003512 C A A A C A A A Closed finding-3631 2022-04-19 15:28 2022-04-20 08:42 Resolved 1 - Information C A Compliance Points & Fees Reimbursement Amount Validation Test Resolved-***Received Revised Loan Estimate and COC issued 2.25.22. - Due Diligence Vendor-04/20/2022
Ready for Review-Document Uploaded.  - Seller-04/19/2022
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. ****Loan Discount Points were added (xxx). COC date of change xx/xx references  points. Valid Re Disclosure for points not located in file.  - Due Diligence Vendor-04/19/2022
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/18/2022 Ready for Review-Document Uploaded.  - Seller-04/19/2022

Resolved-***Received Revised Loan Estimate and COC issued xxx. - Due Diligence Vendor-04/20/2022
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 134 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 642 is Greater Than The Guideline Minimum Of 600 By Twenty (20) or More Points xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003519 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003542 C B C B A A A A Closed FCRE1198 2022-04-27 15:56 2022-04-28 13:33 Acknowledged 2 - Non-Material C B Credit Eligibility Audited Reserves are less than Guideline Required Reserves (Number of Months) Acknowledged-Investor Exception issued to allow for reserves of 59 months vs. standard minimum of 60. - Due Diligence Vendor-04/28/2022

Ready for Review-Document Uploaded.  - Seller-04/27/2022

Open-Audited Reserves of 59 are less than Guideline Required Reserves of 60 - Due Diligence Vendor-04/22/2022 Ready for Review-Document Uploaded.  - Seller-04/27/2022

Acknowledged-Investor Exception issued to allow for reserves of 59 months vs. standard minimum of 60. - Due Diligence Vendor-04/28/2022

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 62.5% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.5% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 790 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Excellent credit history; minimal to no payment shock; 62.5% LTV/CLTV xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003481 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003539 D A A A D A D A Closed FCOM1206 2022-04-29 11:34 2022-12-29 12:21 Resolved 1 - Information D A Compliance Missing Doc - Closing Package The Note is Missing Resolved-***Received Note. - Due Diligence Vendor-04/29/2022

Resolved-The Note is Present - Due Diligence Vendor-04/29/2022

Ready for Review-Document Uploaded.  - Seller-04/29/2022

Open-The Note is Missing - Due Diligence Vendor-04/22/2022 Ready for Review-Document Uploaded.  - Seller-04/29/2022

Resolved-***Received Note. - Due Diligence Vendor-04/29/2022

Resolved-The Note is Present - Due Diligence Vendor-04/29/2022

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003539 D A A A D A D A Closed FPRO1242 2022-04-26 12:38 2022-05-27 08:50 Resolved 1 - Information D A Property Missing Doc - Appraisal Appraisal is Missing Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-05/27/2022

Resolved-Appraisal provided at resubmission. - Due Diligence Vendor-04/27/2022

Ready for Review-Document Uploaded.  - Seller-04/26/2022

Open-Appraisal is Missing - Due Diligence Vendor-04/25/2022 Ready for Review-Document Uploaded.  - Seller-04/26/2022

Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-05/27/2022

Resolved-Appraisal provided at resubmission. - Due Diligence Vendor-04/27/2022

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003539 D A A A D A D A Closed finding-3732 2022-05-02 14:47 2022-05-03 16:25 Resolved 1 - Information C A Compliance TRID TRID Total of Payments Test Resolved- ***Received Itemization of fees and  LOE for attorney fee in Section H chosen by borrower.  - Due Diligence Vendor-05/03/2022
Ready for Review-Document Uploaded.  - Seller-05/02/2022
Open-This loan failed the TRID total of payments test. ( 12 CFR §1026.38(o)(1) )The total of payments is $xxx. The disclosed total of payments of $xxx is not considered accurate because it is understated by more than $100. *****Section H of the disclosures lists an APR Attorney Fee. This fee was moved to section C.  - Due Diligence Vendor-04/26/2022 Ready for Review-Document Uploaded.  - Seller-05/02/2022

Resolved- ***Received Itemization of fees and  LOE for attorney fee in Section H chosen by borrower.  - Due Diligence Vendor-05/03/2022

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003539 D A A A D A D A Closed FCOM1220 2022-04-29 11:35 2022-04-29 15:02 Resolved 1 - Information D A Compliance Missing Doc - Closing Package The Deed of Trust is Missing Resolved-***Received Deed of Trust.  - Due Diligence Vendor-04/29/2022

Resolved-The Deed of Trust is Present - Due Diligence Vendor-04/29/2022

Ready for Review-Document Uploaded.  - Seller-04/29/2022

Open-The Deed of Trust is Missing - Due Diligence Vendor-04/26/2022 Ready for Review-Document Uploaded.  - Seller-04/29/2022

Resolved-***Received Deed of Trust.  - Due Diligence Vendor-04/29/2022

Resolved-The Deed of Trust is Present - Due Diligence Vendor-04/29/2022

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003539 D A A A D A D A Closed FCOM4028 2022-04-25 18:09 2022-04-29 15:02 Resolved 1 - Information A A Compliance Missing Doc - Closing Package Missing evidence Mortgage/Deed of Trust will be recorded Resolved-Evidence of Mortgage Recording is present or Mortgage has been sent for Recording - Due Diligence Vendor-04/29/2022

Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/25/2022 Resolved-Evidence of Mortgage Recording is present or Mortgage has been sent for Recording - Due Diligence Vendor-04/29/2022

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003540 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003545 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated

100003536 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003548 D A A A A A D A Closed FPRO1244 2022-05-13 11:34 2022-05-13 12:13 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-received enhanced desk review - Due Diligence Vendor-05/13/2022

Ready for Review-Document Uploaded.  - Seller-05/13/2022

Open-3rd party product missing from loan file.  - Due Diligence Vendor-05/12/2022 Ready for Review-Document Uploaded.  - Seller-05/13/2022

Resolved-received enhanced desk review - Due Diligence Vendor-05/13/2022

xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003548 D A A A A A D A Closed FPRO1242 2022-05-13 11:53 2022-05-13 12:13 Resolved 1 - Information D A Property Missing Doc - Appraisal Appraisal is Missing Resolved-Appraisal is Present or is Waived.  *Received Appraisal - Due Diligence Vendor-05/13/2022

Ready for Review-Document Uploaded.  - Seller-05/13/2022

Open-Appraisal is Missing - Due Diligence Vendor-05/12/2022 Ready for Review-Document Uploaded.  - Seller-05/13/2022

Resolved-Appraisal is Present or is Waived.  *Received Appraisal - Due Diligence Vendor-05/13/2022

xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003546 D A A A A A D A Closed FPRO1242 2022-05-13 16:42 2022-05-26 16:25 Resolved 1 - Information D A Property Missing Doc - Appraisal Appraisal is Missing Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-05/26/2022

Resolved-Appraisal provided at resubmission. - Due Diligence Vendor-05/16/2022

Ready for Review-Document Uploaded.  - Seller-05/13/2022

Open-Appraisal is Missing Appraisal is not present, as well a Desk Review. - Due Diligence Vendor-05/12/2022 Ready for Review-Document Uploaded.  - Seller-05/13/2022

Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-05/26/2022

Resolved-Appraisal provided at resubmission. - Due Diligence Vendor-05/16/2022

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 647 is Greater Than The Guideline Minimum Of 600 By Twenty (20) or More Points xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003546 D A A A A A D A Closed FPRO1244 2022-05-13 16:43 2022-05-16 07:49 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Enhanced Desk Review provided at resubmission supporting $xxx appraised value- a 0% variance. - Due Diligence Vendor-05/16/2022
Ready for Review-Document Uploaded.  - Seller-05/13/2022
Open- - Due Diligence Vendor-05/12/2022 Ready for Review-Document Uploaded.  - Seller-05/13/2022

Resolved-Enhanced Desk Review provided at resubmission supporting $xxx appraised value- a 0% variance. - Due Diligence Vendor-05/16/2022
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 647 is Greater Than The Guideline Minimum Of 600 By Twenty (20) or More Points xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003543 D A D A A A A A Closed FCRE1150 2022-05-26 17:02 2022-05-27 10:15 Resolved 1 - Information D A Credit Missing Doc - Title Subordination Agreement is Missing Resolved-Subordination Agreement is Present Proof of lien release filing provided at resubmission. - Due Diligence Vendor-05/27/2022
Ready for Review-Document Uploaded.  - Seller-05/26/2022
Open-Missing Subordination Agreement Second lien listed on Title Commitment, Schedule B, #18. Financing  statement with xxx recorded xx/xx/xxxx. No subordination or termination agreement in file. Please provide documentation that the financing statement has been subordinated or terminated. - Due Diligence Vendor-05/25/2022 Ready for Review-Document Uploaded.  - Seller-05/26/2022

Resolved-Subordination Agreement is Present Proof of lien release filing provided at resubmission. - Due Diligence Vendor-05/27/2022

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 664 is Greater Than The Guideline Minimum Of 600 By Twenty (20) or More Points

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 26.14% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 26.14% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003544 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003552 D A A A A A D A Closed FPRO1242 2022-05-31 12:40 2022-05-31 13:26 Resolved 1 - Information D A Property Missing Doc - Appraisal Appraisal is Missing Resolved-Appraisal is Present or is Waived.  **received appraisal - Due Diligence Vendor-05/31/2022

Ready for Review-Document Uploaded.  - Seller-05/31/2022

Open-Missing from file - Due Diligence Vendor-05/27/2022

Open-Appraisal is Missing - Due Diligence Vendor-05/27/2022 Ready for Review-Document Uploaded.  - Seller-05/31/2022

Resolved-Appraisal is Present or is Waived.  **received appraisal - Due Diligence Vendor-05/31/2022

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003561 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003553 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003558 D A D A A A D A Closed FCRE7756 2022-06-07 15:45 2022-06-08 07:49 Resolved 1 - Information D A Credit Missing Doc - Credit Missing credit report Resolved-Credit Report provided at resubmission. - Due Diligence Vendor-06/08/2022

Ready for Review-Document Uploaded.  - Seller-06/07/2022

Open-No report in loan file. - Due Diligence Vendor-06/07/2022

Open-Credit Report is Missing - Due Diligence Vendor-06/06/2022 Ready for Review-Document Uploaded.  - Seller-06/07/2022

Resolved-Credit Report provided at resubmission. - Due Diligence Vendor-06/08/2022

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 765 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated N/A N/A

100003558 D A D A A A D A Closed FPRO1242 2022-06-07 15:44 2022-06-08 07:39 Resolved 1 - Information D A Property Missing Doc - Appraisal Appraisal is Missing Resolved-Appraisal provided at resubmission. - Due Diligence Vendor-06/08/2022

Ready for Review-Document Uploaded.  - Seller-06/07/2022

Open-Appraisal is Missing Appraisal 1004 is missing from file - Due Diligence Vendor-06/06/2022 Ready for Review-Document Uploaded.  - Seller-06/07/2022

Resolved-Appraisal provided at resubmission. - Due Diligence Vendor-06/08/2022

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 765 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated N/A N/A

100003560 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003566 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003511 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003518 D A D A A A A A Closed FCRE6019 2022-06-13 10:09 2022-06-13 18:09 Resolved 1 - Information D A Credit Missing Doc - Credit Borrower 1 Citizenship Documentation Not Provided Resolved-xxx card for borrower provided at resubmission affirming eligible status. - Due Diligence Vendor-06/13/2022
Ready for Review-Document Uploaded.  - Seller-06/13/2022
Open-Borrower disclosed as xxx on 1003. Please provide residency document for validation. - Due Diligence Vendor-06/09/2022
Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-06/09/2022 Ready for Review-Document Uploaded.  - Seller-06/13/2022

Resolved-PRA card for borrower provided at resubmission affirming eligible status. - Due Diligence Vendor-06/13/2022

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 763 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003550 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003559 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003555 B B A A B B A A Closed FCOM1270 2022-06-10 15:41 2022-06-10 18:10 Acknowledged 2 - Non-Material B B Compliance Disclosures (Federal, State, and Data Dependent) ARM Disclosure Not Provided Within 3 Days of Application Date Acknowledged-ARM Disclosure Not Provided Within 3 Days of Application Date - Due Diligence Vendor-06/10/2022 Acknowledged-ARM Disclosure Not Provided Within 3 Days of Application Date - Due Diligence Vendor-06/10/2022

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 66.08 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003568 D A D A A A A A Closed FCRE1180 2022-06-10 15:03 2022-07-27 16:53 Resolved 1 - Information D A Credit Missing Doc - Insurance HO-6 Insurance Policy is Missing Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-07/27/2022
Counter-Check provided here is a disbursement from settlement agent to the insurance company, which matches PCCD in file, not a refund.  Additionally, Master Policy in file does not contain explicit verbiage that building coverage includes walls-in, improvements and betterments.  Please provide: 1. A copy of the acceptable HO6 policy with premium of $xxx as used in qualifying, disclosed on the Final and Post-Close Settlement Statements, and paid by closer per check submitted here.  Or- 2. Complete Master Policy verifying coverage includes interior improvements and betterments, along with updated PCCD amending escrows to remove HO6 premium collection. - Due Diligence Vendor-06/30/2022
Ready for Review-Document Uploaded. Please see cancelled check - per LP/UW - there is no HO6.  It was incorrectly entered in our system. - Seller-06/30/2022
Open-HO-6 Insurance Policy is Missing - Due Diligence Vendor-06/10/2022 Ready for Review-Document Uploaded. Please see cancelled check - per LP/UW - there is no HO6.  It was incorrectly entered in our system. - Seller-06/30/2022

Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-07/27/2022

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55.52 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003556 D A D A A A A A Closed FCRE3978 2022-06-15 13:54 2022-06-21 11:15 Resolved 1 - Information D A Credit Missing Doc Letter of Explanation (Credit) missing or unexecuted Resolved-Copy of Discharge evidencing case resolved in 2015 provided at resubmission; explanation not required as seasoning for program has been met. - Due Diligence Vendor-06/21/2022

Ready for Review-Document Uploaded. BK discharge provided.  - Due Diligence Vendor-06/17/2022

Open-Missing letter of explanation for Bankruptcy - Due Diligence Vendor-06/15/2022 Resolved-Copy of Discharge evidencing case resolved in 2015 provided at resubmission; explanation not required as seasoning for program has been met. - Due Diligence Vendor-06/21/2022

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.2 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 725 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003567 D A D A A A A A Closed FCRE6019 2022-06-16 14:27 2022-07-11 07:28 Resolved 1 - Information D A Credit Missing Doc - Credit Borrower 1 Citizenship Documentation Not Provided Resolved-Copy of xxx card review affidavit provided at resubmission which is permissible for this program. - Due Diligence Vendor-07/11/2022
Ready for Review-Document Uploaded.  - Seller-07/08/2022
Open-Borrower 1 Citizenship Documentation Is Missing No residency doc provided, Social Security Card states that they are authorized to work by DHS - Due Diligence Vendor-06/16/2022 Ready for Review-Document Uploaded.  - Seller-07/08/2022

Resolved-Copy of xxx card review affidavit provided at resubmission which is permissible for this program. - Due Diligence Vendor-07/11/2022
xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003554 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003495 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Second Home Purchase NA

100003557 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003571 D A A A D A A A Closed FCOM1232 2022-06-22 15:58 2022-07-05 12:49 Resolved 1 - Information D A Compliance Missing Doc - Closing Package The Final 1003 is Missing Resolved-Final 1003 provided at resubmission. - Due Diligence Vendor-07/05/2022

Ready for Review-Document Uploaded.  - Seller-07/05/2022

Open-The Final 1003 is Missing Initial 1003 present on page 33. Final 1003 not present in the file - Due Diligence Vendor-06/22/2022 Ready for Review-Document Uploaded.  - Seller-07/05/2022

Resolved-Final 1003 provided at resubmission. - Due Diligence Vendor-07/05/2022

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.6 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 725 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003469 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003479 C A A A C A A A Closed FCOM1252 2022-06-28 14:16 2022-06-28 14:45 Resolved 1 - Information C A Compliance TRID TRID: Missing Loan Estimate Resolved-****Received Revised LE 02/18/2022 - Due Diligence Vendor-06/28/2022

Ready for Review-Document Uploaded.  - Seller-06/28/2022

Open-********Missing revised LE. Re inspection fee was added 2.18.22. COC located in file  - Due Diligence Vendor-06/27/2022 Ready for Review-Document Uploaded.  - Seller-06/28/2022

Resolved-****Received Revised LE xxx - Due Diligence Vendor-06/28/2022
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 148.61 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003479 C A A A C A A A Closed finding-3631 2022-06-28 14:17 2022-06-28 14:44 Resolved 1 - Information C A Compliance Points & Fees Reimbursement Amount Validation Test Resolved-****Received Revised LE 02/18/2022 - Due Diligence Vendor-06/28/2022

Ready for Review-Document Uploaded.  - Seller-06/28/2022

Open-******Re inspection fee was added 2.18.22. COC located  but a valid Revised Loan Estimate was not located in file.  - Due Diligence Vendor-06/28/2022

Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-06/27/2022 Ready for Review-Document Uploaded.  - Seller-06/28/2022

Resolved-****Received Revised LE xxx - Due Diligence Vendor-06/28/2022
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 148.61 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003479 C A A A C A A A Closed finding-3632 2022-06-28 14:17 2022-06-28 14:44 Resolved 1 - Information C A Compliance Disclosures (Federal, State, and Data Dependent) Consummation or Reimbursement Date Validation Test Resolved-****Received Revised LE 02/18/2022 - Due Diligence Vendor-06/28/2022

Ready for Review-Document Uploaded.  - Seller-06/28/2022

Open-******Re inspection fee was added 2.18.22. COC located but a valid Revised Loan Estimate was not located in file.  - Due Diligence Vendor-06/28/2022

Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-06/27/2022 Ready for Review-Document Uploaded.  - Seller-06/28/2022

Resolved-****Received Revised LE xxx - Due Diligence Vendor-06/28/2022
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 148.61 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003479 C A A A C A A A Closed finding-3634 2022-06-28 14:17 2022-06-28 14:44 Resolved 1 - Information C A Compliance TRID Tolerance Charges That Cannot Increase Test Resolved-****Received Revised LE 02/18/2022 - Due Diligence Vendor-06/28/2022
Ready for Review-Document Uploaded.  - Seller-06/28/2022
Open-******Re inspection fee was added 2.18.22. COC located but a valid Revised Loan Estimate was not located in file.  - Due Diligence Vendor-06/27/2022
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-06/27/2022 Ready for Review-Document Uploaded.  - Seller-06/28/2022

Resolved-****Received Revised LE xxx - Due Diligence Vendor-06/28/2022
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 148.61 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003577 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003482 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003549 C B A A C B A A Closed finding-3652 2022-07-05 16:48 2022-08-15 09:15 Cured 2 - Non-Material C B Compliance TRID Lender Credits That Cannot Decrease Test Cured-Received PCCD, LOE, Copy of refund check, proof of delivery. - Due Diligence Vendor-08/12/2022
Counter-Document Uploaded.  - Due Diligence Vendor-08/12/2022
Counter-***Received PCCD and LOE. Cure package is incomplete. Please provide refund check and proof of delivery.  - Due Diligence Vendor-07/08/2022
Ready for Review-Document Uploaded.  - Seller-07/07/2022
Open-*****$xxx lender credit was removed without valid COC. - Due Diligence Vendor-07/05/2022
Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($xxx) does not exceed or equal the comparable sum of specific and non-specific lender credits ($xxx). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-07/05/2022 Ready for Review-Document Uploaded.  - Seller-07/07/2022

Cured-Received PCCD, LOE, Copy of refund check, proof of delivery. - Due Diligence Vendor-08/12/2022

xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003590 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003582 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003579 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003583 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003581 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated

100003587 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003589 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003595 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003584 B B A A B B A A Closed FCOM1268 2022-07-20 13:33 2022-07-20 17:10 Acknowledged 2 - Non-Material B B Compliance Missing Doc - Federal Disclosure ARM Disclosure is Missing Acknowledged-ARM Disclosure is Missing - Due Diligence Vendor-07/20/2022 Acknowledged-ARM Disclosure is Missing - Due Diligence Vendor-07/20/2022

ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA Originator Pre-Close No

100003576 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003502 D A D A A A A A Closed FCRE6019 2022-07-22 11:11 2022-07-25 12:23 Resolved 1 - Information D A Credit Missing Doc - Credit Borrower 1 Citizenship Documentation Not Provided Resolved-Copy of xxx card and request for extension provided at resubmission, which meets program requirement. - Due Diligence Vendor-07/25/2022
Ready for Review-Document Uploaded.  - Seller-07/25/2022
Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-07/22/2022 Ready for Review-Document Uploaded.  - Seller-07/25/2022

Resolved-Copy of xxx card and request for extension provided at resubmission, which meets program requirement. - Due Diligence Vendor-07/25/2022
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 790 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003575 D A D A A A A A Closed FCRE6019 2022-07-22 11:36 2022-08-02 10:01 Resolved 1 - Information D A Credit Missing Doc - Credit Borrower 1 Citizenship Documentation Not Provided Resolved-xxx card provided for borrower confirming eligible status. - Due Diligence Vendor-08/02/2022
Ready for Review-Document Uploaded.  - Seller-08/01/2022
Open-Borrower 1 Citizenship Documentation Is Missing Pg 868 provides xxx but no Residency Docs in File - Due Diligence Vendor-07/22/2022 Ready for Review-Document Uploaded.  - Seller-08/01/2022

Resolved-xxx card provided for borrower confirming eligible status. - Due Diligence Vendor-08/02/2022
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.5 Years

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 647 is Greater Than The Guideline Minimum Of 600 By Twenty (20) or More Points xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003578 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003593 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated

100003601 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003573 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003592 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003599 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003588 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003563 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated

100003603 C A A A C A A A Closed finding-3632 2022-08-17 10:20 2022-09-15 10:47 Resolved 1 - Information C A Compliance Disclosures (Federal, State, and Data Dependent) Consummation or Reimbursement Date Validation Test Resolved-Received PCCD, LOE and copy of refund check - Due Diligence Vendor-09/15/2022

Ready for Review-Document Uploaded. LOE/PCCD/Check and FDx  attached, thank you. - Seller-09/14/2022

Counter-Received PCCD and LOE.  Cure package incomplete, missing copy of refund check and proof of delivery. - Due Diligence Vendor-09/03/2022

Ready for Review-Document Uploaded. Check and proof of delivery to follow, thank you, - Seller-09/02/2022

Open-*****Missing valid COC or specific lender credits for increase in HOA Certification Handling Fee. - Due Diligence Vendor-08/17/2022

Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-08/17/2022 Ready for Review-Document Uploaded. LOE/PCCD/Check and FDx  attached, thank you. - Seller-09/14/2022

Ready for Review-Document Uploaded. Check and proof of delivery to follow, thank you, - Seller-09/02/2022

Resolved-Received PCCD, LOE and copy of refund check - Due Diligence Vendor-09/15/2022

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.17 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003603 C A A A C A A A Closed finding-3631 2022-08-17 10:20 2022-09-15 10:47 Resolved 1 - Information C A Compliance Points & Fees Reimbursement Amount Validation Test Resolved-Received PCCD, LOE and copy of refund check - Due Diligence Vendor-09/15/2022

Ready for Review-Document Uploaded. LOE/PCCD/Check and FDx  attached, thank you.  - Seller-09/14/2022

Counter-Received PCCD and LOE.  Cure package incomplete, missing copy of refund check and proof of delivery. - Due Diligence Vendor-09/03/2022

Ready for Review-Document Uploaded. Check and proof of delivery to follow, thank you, - Seller-09/02/2022

Open-*****Missing valid COC or specific lender credits for increase in HOA Certification Handling Fee. - Due Diligence Vendor-08/17/2022

Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-08/17/2022 Ready for Review-Document Uploaded. LOE/PCCD/Check and FDx  attached, thank you.  - Seller-09/14/2022

Ready for Review-Document Uploaded. Check and proof of delivery to follow, thank you, - Seller-09/02/2022

Resolved-Received PCCD, LOE and copy of refund check - Due Diligence Vendor-09/15/2022

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.17 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003603 C A A A C A A A Closed finding-3634 2022-08-17 10:20 2022-09-15 10:45 Resolved 1 - Information C A Compliance TRID Tolerance Charges That Cannot Increase Test Resolved-Received PCCD, LOE and copy of refund check - Due Diligence Vendor-09/15/2022
Ready for Review-Document Uploaded. LOE/PCCD/Check and FDx  attached, thank you. - Seller-09/14/2022
Counter-Received PCCD and LOE.  Cure package incomplete, missing copy of refund check and proof of delivery. - Due Diligence Vendor-09/03/2022
Ready for Review-Document Uploaded. Check and proof of delivery to follow, thank you, - Seller-09/02/2022
Open-*****Missing valid COC or specific lender credits for increase in HOA Certification Handling Fee. - Due Diligence Vendor-08/17/2022
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-08/17/2022 Ready for Review-Document Uploaded. LOE/PCCD/Check and FDx  attached, thank you. - Seller-09/14/2022

Ready for Review-Document Uploaded. Check and proof of delivery to follow, thank you, - Seller-09/02/2022

Resolved-Received PCCD, LOE and copy of refund check - Due Diligence Vendor-09/15/2022

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.17 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003605 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003609 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003501 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003613 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003608 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003614 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003602 C B C B A A A A Closed FCRE1194 2022-10-17 17:14 2023-01-12 17:27 Acknowledged 2 - Non-Material C B Credit Eligibility Audited LTV Exceeds Guideline LTV Acknowledged-Audited LTV of 80% exceeds Guideline LTV of 70% Exception granted for LTV exceeding guidelines maximum (page 850). - Due Diligence Vendor-10/17/2022 Acknowledged-Audited LTV of 80% exceeds Guideline LTV of 70% Exception granted for LTV exceeding guidelines maximum (page 850). - Due Diligence Vendor-10/17/2022

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.18 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.3872645306713895
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 809 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated Originator Pre-Close Yes

100003602 C B C B A A A A Closed FCRE1195 2022-10-17 17:14 2023-01-12 17:27 Acknowledged 2 - Non-Material C B Credit Eligibility Audited CLTV Exceeds Guideline CLTV Acknowledged-Audited CLTV of 80% exceeds Guideline CLTV of 75% Exception granted for CLTV exceeding guidelines maximum (page 850). - Due Diligence Vendor-10/17/2022 Acknowledged-Audited CLTV of 80% exceeds Guideline CLTV of 75% Exception granted for CLTV exceeding guidelines maximum (page 850). - Due Diligence Vendor-10/17/2022

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.18 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.3872645306713895
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 809 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated Originator Pre-Close Yes

100003602 C B C B A A A A Closed FCRE1196 2022-10-17 17:14 2023-01-12 17:26 Acknowledged 2 - Non-Material C B Credit Eligibility Audited HCLTV Exceeds Guideline HCLTV Acknowledged-Audited HCLTV of 80% exceeds Guideline HCLTV of 75% Exception granted for HCLTV exceeding guidelines maximum (page 850). - Due Diligence Vendor-10/17/2022 Acknowledged-Audited HCLTV of 80% exceeds Guideline HCLTV of 75% Exception granted for HCLTV exceeding guidelines maximum (page 850). - Due Diligence Vendor-10/17/2022

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.18 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.3872645306713895
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 809 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated Originator Pre-Close Yes

100003623 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003626 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Second Home Purchase NA

100003628 C A A A A A C A Closed FPRO1245 2022-11-04 13:28 2022-12-02 11:26 Resolved 1 - Information C A Property Appraisal Appraisal is Expired Resolved-Amended appraisal provided confirming transaction closed within appropriate timeframe, issue has been resolved. - Due Diligence Vendor-12/02/2022
Counter-Document Uploaded.  - Due Diligence Vendor-12/02/2022
Counter-Updated Appraisal provided is missing Page 6 of 6 of the 1004 Form, which includes Effective Date and Signature of Appraiser Trainee and Supervisor.  If Effective Date on original 1004 is incorrect, the updated appraisal must clearly delineate the actual date inspected and comment on the revision. - Due Diligence Vendor-11/23/2022
Ready for Review-Document Uploaded.  - Seller-11/22/2022
Counter-1004D provided here indicates the Original Effective Date as xxx, however appraisal in file gives an Effective Date of xxx.  Please provide an acceptable, corrected Recertification of Value along with Investor Approval to utilize as appraisal is >6 months from funding and 1004D was not obtained until after closing.  If both cannot be provided, a new full 1004 supporting original value will be required. - Due Diligence Vendor-11/22/2022
Ready for Review-Document Uploaded.  - Seller-11/21/2022
Counter-No additional information provided- Enhanced Desk Review was included with original file and affirms original appraiser's estimated value at the time of inspection. However, a 1004D is required from the initial appraiser to confirm no change to the market in the time after the original 1004 was performed.  Please provide complete Recertification of Value. - Due Diligence Vendor-11/10/2022
Ready for Review-Document Uploaded.  - Seller-11/09/2022
Open-Primary Value Appraisal is Expired Missing 1004D for recertification of value. Appraisal in file is older than guideline requirements.  - Due Diligence Vendor-11/07/2022 Ready for Review-Document Uploaded.  - Seller-11/22/2022

Ready for Review-Document Uploaded.  - Seller-11/21/2022

Ready for Review-Document Uploaded.  - Seller-11/09/2022

Resolved-Amended appraisal provided confirming transaction closed within appropriate timeframe, issue has been resolved. - Due Diligence Vendor-12/02/2022

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.8 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003634 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003629 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003632 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003619 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated

100003470 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Second Home Purchase NA

100003633 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003510 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003635 C A C A A A A A Closed FCRE1167 2022-12-06 09:56 2022-12-09 06:55 Resolved 1 - Information C A Credit Insurance Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer Resolved-Confirmed Sufficient Hazard Insurance Coverage in effect per RCE provided at resubmission. - Due Diligence Vendor-12/07/2022
Ready for Review-Document Uploaded.  - Seller-12/06/2022
Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided  - Hazard Insurance Coverage in the amount of $xxx is less than the minimum required coverage amount of $xxx - Due Diligence Vendor-12/06/2022 Ready for Review-Document Uploaded.  - Seller-12/06/2022

Resolved-Confirmed Sufficient Hazard Insurance Coverage in effect per RCE provided at resubmission. - Due Diligence Vendor-12/07/2022

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 702 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.31 Are Greater Than The Guideline Minimum Of 15 By Six (6) Or More Months

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.3635433070866142 xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003635 C A C A A A A A Closed FCRE1169 2022-12-07 07:20 2022-12-09 06:55 Resolved 1 - Information C A Credit Insurance Flood Insurance Effective Date is after the Note Date Resolved-Updated Flood Insurance Effective Date of xx/xx/xxxx is prior to the Note Date of xx/xx/xxxx. - Due Diligence Vendor-12/09/2022
Ready for Review-Document Uploaded.  - Seller-12/07/2022
Open-Most recent evidence of Flood Insurance is dated xx/xx/xxxx and reflects an Effective Date of xx/xx/xxxx, which is after the Note and Disbursement Dates of xx/xx/xxxx.  Please provide evidence of no gap in coverage. - Due Diligence Vendor-12/07/2022 Ready for Review-Document Uploaded.  - Seller-12/07/2022

Resolved-Updated Flood Insurance Effective Date of xxx is prior to the Note Date of xxx. - Due Diligence Vendor-12/09/2022
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 702 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.31 Are Greater Than The Guideline Minimum Of 15 By Six (6) Or More Months

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.3635433070866142 xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003635 C A C A A A A A Closed FCRE1159 2022-12-07 07:20 2022-12-09 06:55 Resolved 1 - Information C A Credit Insurance Hazard Insurance Effective Date is after the Disbursement Date Resolved-Updated Hazard Insurance Effective Date of xxx is prior to the Disbursement Date of xxx. - Due Diligence Vendor-12/09/2022
Ready for Review-Document Uploaded.  - Seller-12/08/2022
Open-Most recent evidence of Hazard Insurance is dated xxx and reflects an Effective Date of xxx, which is after the Note and Disbursement Dates of xxx.  Please provide evidence of no gap in coverage. - Due Diligence Vendor-12/07/2022 Ready for Review-Document Uploaded.  - Seller-12/08/2022

Resolved-Updated Hazard Insurance Effective Date of xxx is prior to the Disbursement Date of xxx. - Due Diligence Vendor-12/09/2022
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 702 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.31 Are Greater Than The Guideline Minimum Of 15 By Six (6) Or More Months

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.3635433070866142 xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003612 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003630 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003496 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003643 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003653 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Second Home Purchase NA

100003655 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003622 D A A A D A A A Closed FCOM1220 2022-12-27 09:49 2023-01-03 16:29 Resolved 1 - Information D A Compliance Missing Doc - Closing Package The Deed of Trust is Missing Resolved-The Deed of Trust is Present - Due Diligence Vendor-01/03/2023

Ready for Review-Document Uploaded.  - Seller-12/28/2022

Open-The Deed of Trust is Missing Missing the mortgage and all applicable riders, - Due Diligence Vendor-12/27/2022 Ready for Review-Document Uploaded.  - Seller-12/28/2022

Resolved-The Deed of Trust is Present - Due Diligence Vendor-01/03/2023

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.57% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.3438871473354232

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.6 Years

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.57% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.94 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003654 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003656 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003631 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003662 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003642 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003663 C A A A A A C A Closed FVAL9739 2023-01-23 13:02 2023-02-13 07:00 Resolved 1 - Information C A Property Appraisal Property/Appraisal General Resolved-Confirmed revision to appraisal dated xxx details Special Assessment and includes sales both from the subject development and a competing project to weight marketability impact.  Increased amount added though not of issue as no DTI calculated for this loan.  Item is considered as resolved. - Due Diligence Vendor-02/13/2023
Ready for Review-Document Uploaded.  - Seller-02/10/2023
Open-Per Condo Questionnaire, a Special Assessment in the amount of $xxx has been issued, however a breakdown to verify length and amount per unit was not provided.  Please submit validation of Assessment amount for the subject and revise 1073 with any impact this may have to marketability. - Due Diligence Vendor-01/23/2023 Ready for Review-Document Uploaded.  - Seller-02/10/2023

Resolved-Confirmed revision to appraisal dated xxx details Special Assessment and includes sales both from the subject development and a competing project to weight marketability impact.  Increased amount added though not of issue as no DTI calculated for this loan.  Item is considered as resolved. - Due Diligence Vendor-02/13/2023
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 60% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 82.45 Are Greater Than The Guideline Minimum Of 20 By Six (6) Or More Months

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 696 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003685 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003650 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003690 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003675 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003700 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003691 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003627 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003646 A A A A A A A A Closed FCOM1262 2023-02-03 15:10 2023-02-07 18:06 Resolved 1 - Information D A Compliance Missing Doc - ROR Right of Rescission is Missing Resolved-Right of Rescission is Provided - Due Diligence Vendor-02/07/2023

Ready for Review-Document Uploaded.  - Seller-02/06/2023

Open-Right of Rescission is Missing *****Right of Rescission not found in file. - Due Diligence Vendor-02/04/2023 Ready for Review-Document Uploaded.  - Seller-02/06/2023

Resolved-Right of Rescission is Provided - Due Diligence Vendor-02/07/2023

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 682 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.4216521812505274

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 56.64 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003677 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003683 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003507 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003676 C B A A C B A A Closed finding-3631 2023-02-06 18:21 2023-02-20 11:41 Cured 2 - Non-Material C B Compliance Points & Fees Reimbursement Amount Validation Test Cured-Received PCCD, LOE, copy of refund check, and proof of delivery. - Due Diligence Vendor-02/20/2023

Ready for Review-Document Uploaded.  - Seller-02/17/2023

Counter-Received PCCD and LOE. Cure Package is incomplete, missing copy of refund check and proof of delivery. - Due Diligence Vendor-02/10/2023

Ready for Review-Document Uploaded.  - Seller-02/08/2023

Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. *****Recording Fee increased by more than 10% without a corresponding COC or appropriate lender credits. - Due Diligence Vendor-02/06/2023 Ready for Review-Document Uploaded.  - Seller-02/17/2023

Ready for Review-Document Uploaded.  - Seller-02/08/2023

Cured-Received PCCD, LOE, copy of refund check, and proof of delivery. - Due Diligence Vendor-02/20/2023

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.31 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 784 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003676 C B A A C B A A Closed finding-3632 2023-02-06 18:21 2023-02-20 11:41 Resolved 1 - Information C A Compliance Disclosures (Federal, State, and Data Dependent) Consummation or Reimbursement Date Validation Test Resolved-Received PCCD, LOE, copy of refund check, and proof of delivery. - Due Diligence Vendor-02/20/2023

Ready for Review-Document Uploaded. Document Uploaded.  - Seller-02/17/2023

Counter-Received PCCD and LOE. Cure Package is incomplete, missing copy of refund check and proof of delivery. - Due Diligence Vendor-02/10/2023

Ready for Review-Document Uploaded.  - Seller-02/08/2023

Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. *****Recording Fee increased by more than 10% without a corresponding COC or appropriate lender credits. - Due Diligence Vendor-02/06/2023 Ready for Review-Document Uploaded. Document Uploaded.  - Seller-02/17/2023

Ready for Review-Document Uploaded.  - Seller-02/08/2023

Resolved-Received PCCD, LOE, copy of refund check, and proof of delivery. - Due Diligence Vendor-02/20/2023

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.31 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 784 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003676 C B A A C B A A Closed finding-3635 2023-02-06 18:21 2023-02-20 11:41 Cured 2 - Non-Material C B Compliance TRID Tolerance Charges That In Total Cannot Increase More Than 10% Test Cured-Received PCCD, LOE, copy of refund check, and proof of delivery. - Due Diligence Vendor-02/20/2023
Ready for Review-Document Uploaded. Document Uploaded.  - Seller-02/17/2023
Counter-Received PCCD and LOE. Cure Package is incomplete, missing copy of refund check and proof of delivery. - Due Diligence Vendor-02/10/2023
Ready for Review-Document Uploaded.  - Seller-02/08/2023
Open-This loan failed the charges that in total cannot increase more than 10% test.  (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($xxx) exceed the comparable charges ($xxxx) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). *****Recording Fee increased by more than 10% without a corresponding COC or appropriate lender credits. - Due Diligence Vendor-02/06/2023 Ready for Review-Document Uploaded. Document Uploaded.  - Seller-02/17/2023

Ready for Review-Document Uploaded.  - Seller-02/08/2023

Cured-Received PCCD, LOE, copy of refund check, and proof of delivery. - Due Diligence Vendor-02/20/2023

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.31 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 784 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003701 C A A A A A C A Closed FPRO868 2023-02-06 12:56 2023-02-10 08:19 Resolved 1 - Information C A Property Third Party Valuation Desk Review Value(s) Do Not Adhere To Tolerance Criteria Resolved-Collateral Desktop Analysis of original appraisal provided at resubmission with a Risk Score of Moderate, but is indicated as being acceptable to support original value with a 0% variance.  Issue has been resolved with secondary review product. - Due Diligence Vendor-02/10/2023
Ready for Review-Document Uploaded.  - Seller-02/09/2023
Counter-A secondary valuation product supporting appraised value used at origination within a 10% tolerance is required by the Rating Agencies for secondary market purposes. CDA in file differs from appraisal by 18.5%. While LTVs were based on the Reviewed Value, this test is solely of the appraised value vs the desk review value. Please provide acceptable secondary valuation product supporting original appraisal. - Due Diligence Vendor-02/07/2023
Ready for Review--per UW: The Desk Review Value of $xxx was < 20% variance from Original Appraised Value ($xxx), which is within the acceptable variance per guidelines.  Note:  Using the Lower Desk Review Value of $xxx for qualifying LTV. - Seller-02/06/2023
Open-Desk Review Value(s) Do Not Adhere To Tolerance Criteria (Desk Review Value is $xxx and Appraised Value is $xxx For a Variance of -18.52%) - Due Diligence Vendor-02/06/2023 Ready for Review-Document Uploaded.  - Seller-02/09/2023
Ready for Review--per UW: The Desk Review Value of $xxx was < 20% variance from Original Appraised Value ($xxx), which is within the acceptable variance per guidelines.  Note:  Using the Lower Desk Review Value of $xxx for qualifying LTV. - Seller-02/06/2023
Resolved-Collateral Desktop Analysis of original appraisal provided at resubmission with a Risk Score of Moderate, but is indicated as being acceptable to support original value with a 0% variance.  Issue has been resolved with secondary review product. - Due Diligence Vendor-02/10/2023

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.87 Are Greater Than The Guideline Minimum Of 14 By Six (6) Or More Months xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated N/A N/A

100003704 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003706 C A A A C A A A Closed finding-3631 2023-02-06 15:57 2023-02-07 22:08 Resolved 1 - Information C A Compliance Points & Fees Reimbursement Amount Validation Test Resolved-Received COC and Revised CD - Due Diligence Vendor-02/08/2023

Ready for Review-Document Uploaded.  - Seller-02/06/2023

Open-****Rate was relocked on 01/19/2023 resulting in an increase of discount points. Based on evidence in file, corresponding CD was issued to the borrower on 01/25/2023 but not located within loan file.  - Due Diligence Vendor-02/06/2023

Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/06/2023 Ready for Review-Document Uploaded.  - Seller-02/06/2023

Resolved-Received COC and Revised CD - Due Diligence Vendor-02/08/2023

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 795 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.23 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003706 C A A A C A A A Closed finding-3632 2023-02-06 15:57 2023-02-07 22:08 Resolved 1 - Information C A Compliance Disclosures (Federal, State, and Data Dependent) Consummation or Reimbursement Date Validation Test Resolved-Received COC and Revised CD - Due Diligence Vendor-02/08/2023

Ready for Review-Document Uploaded.  - Seller-02/06/2023

Open-****Rate was relocked on 01/19/2023 resulting in an increase of discount points. Based on evidence in file, corresponding CD was issued to the borrower on 01/25/2023 but not located within loan file.  - Due Diligence Vendor-02/06/2023

Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/06/2023 Ready for Review-Document Uploaded.  - Seller-02/06/2023

Resolved-Received COC and Revised CD - Due Diligence Vendor-02/08/2023

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 795 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.23 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003706 C A A A C A A A Closed finding-3634 2023-02-06 15:57 2023-02-07 22:08 Resolved 1 - Information C A Compliance TRID Tolerance Charges That Cannot Increase Test Resolved-Received COC and Revised CD - Due Diligence Vendor-02/08/2023
Ready for Review-Document Uploaded.  - Seller-02/06/2023
Open-****Rate was relocked on 01/19/2023 resulting in an increase of discount points. Based on evidence in file, corresponding CD was issued to the borrower on 01/25/2023 but not located within loan file.  - Due Diligence Vendor-02/06/2023
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-02/06/2023 Ready for Review-Document Uploaded.  - Seller-02/06/2023

Resolved-Received COC and Revised CD - Due Diligence Vendor-02/08/2023

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 795 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.23 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003706 C A A A C A A A Closed finding-3542 2023-02-07 21:56 2023-02-07 21:58 Resolved 1 - Information C A Compliance TRID Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test Open-This loan failed the revised closing disclosure delivery date test (waiting period required).( 12 CFR §1026.19(f)(2)(ii) )The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"xxx First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §1026.38(o)(4) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §1026.38(a)(5)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. - Due Diligence Vendor-02/08/2023 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 795 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.23 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003706 C A A A C A A A Closed finding-3545 2023-02-06 15:57 2023-02-07 21:56 Resolved 1 - Information C A Compliance TRID Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test Resolved-Received COC and Revised CD - Due Diligence Vendor-02/08/2023

Ready for Review-Document Uploaded.  - Seller-02/06/2023

Open-****Rate was relocked on 01/19/2023 resulting in an increase of discount points. Based on evidence in file, corresponding CD was issued to the borrower on 01/25/2023 but not located within loan file.  - Due Diligence Vendor-02/06/2023

Open-This loan failed the revised closing disclosure delivery date and changed circumstances date test. ( 12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in 2015 ,  12 CFR §1026.19(e)(4)(i) )The revised closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §1026.19(e)(4)(ii)Relationship to disclosures required under §1026.19(f)(1)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i)...However, if a creditor uses a revised estimate pursuant to § 1026.19(e)(3)(iv) for the purpose of determining good faith under § 1026.19(e)(3)(i) and (ii), § 1026.19(e)(4)(i) permits the creditor to provide the revised estimate in the disclosures required under § 1026.19(f)(1)(i) (including any corrected disclosures provided under § 1026.19(f)(2)(i) or (ii)). - Due Diligence Vendor-02/06/2023 Ready for Review-Document Uploaded.  - Seller-02/06/2023

Resolved-Received COC and Revised CD - Due Diligence Vendor-02/08/2023

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 795 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.23 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003682 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003702 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003710 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003484 D A D A A A A A Closed FCRE1253 2023-02-08 07:07 2023-02-09 07:22 Resolved 1 - Information C A Credit Eligibility Missing Property Tax Cert Resolved-Property Tax Cert provided at resubmission confirming amount and no arrearages. - Due Diligence Vendor-02/09/2023

Ready for Review-Document Uploaded.  - Seller-02/08/2023

Open-Missing Property Tax Cert - Due Diligence Vendor-02/08/2023 Ready for Review-Document Uploaded.  - Seller-02/08/2023

Resolved-Property Tax Cert provided at resubmission confirming amount and no arrearages. - Due Diligence Vendor-02/09/2023

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.28769878391019643

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 31 Years xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003484 D A D A A A A A Closed FCRE1145 2023-02-08 07:07 2023-02-09 07:22 Resolved 1 - Information D A Credit Missing Doc - Title Title Document Missing Resolved-Prelim Title provided at resubmission confirming no outstanding issues; option purchase contract completed with payoff at closing. - Due Diligence Vendor-02/09/2023

Ready for Review-Document Uploaded.  - Seller-02/08/2023

Open-Title Document is missing - Due Diligence Vendor-02/08/2023 Ready for Review-Document Uploaded.  - Seller-02/08/2023

Resolved-Prelim Title provided at resubmission confirming no outstanding issues; option purchase contract completed with payoff at closing. - Due Diligence Vendor-02/09/2023

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.28769878391019643

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 31 Years xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003484 D A D A A A A A Closed FCRE1157 2023-02-08 06:59 2023-02-09 07:13 Resolved 1 - Information D A Credit Missing Doc - Insurance Hazard Insurance Policy is Missing Resolved-Hazard Insurance Policy provided at resubmission. - Due Diligence Vendor-02/09/2023

Ready for Review-Document Uploaded.  - Seller-02/08/2023

Open-Missing Hazard Insurance Policy - Due Diligence Vendor-02/08/2023 Ready for Review-Document Uploaded.  - Seller-02/08/2023

Resolved-Hazard Insurance Policy provided at resubmission. - Due Diligence Vendor-02/09/2023

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.28769878391019643

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 31 Years xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003484 D A D A A A A A Closed FCOM1232 2023-02-08 06:47 2023-02-09 07:08 Resolved 1 - Information D A Compliance Missing Doc - Closing Package The Final 1003 is Missing Resolved-Final 1003 provided at resubmission. - Due Diligence Vendor-02/09/2023

Ready for Review-Document Uploaded.  - Seller-02/08/2023

Open-The Final 1003 is Missing - Due Diligence Vendor-02/08/2023 Ready for Review-Document Uploaded.  - Seller-02/08/2023

Resolved-Final 1003 provided at resubmission. - Due Diligence Vendor-02/09/2023

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.28769878391019643

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 31 Years xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003484 D A D A A A A A Closed FCOM1262 2023-02-08 13:03 2023-02-09 07:02 Resolved 1 - Information D A Compliance Missing Doc - ROR Right of Rescission is Missing Resolved-Right of Rescission is Provided - Due Diligence Vendor-02/09/2023

Ready for Review-Document Uploaded.  - Seller-02/08/2023

Open-Right of Rescission is Missing *****Right of Rescission documentation not located within loan file. - Due Diligence Vendor-02/08/2023 Ready for Review-Document Uploaded.  - Seller-02/08/2023

Resolved-Right of Rescission is Provided - Due Diligence Vendor-02/09/2023

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.28769878391019643

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 31 Years xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003515 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003689 D A D A A A A A Closed FCRE1158 2023-02-08 09:02 2023-02-10 08:07 Resolved 1 - Information D A Credit Missing Doc - Insurance Hazard Insurance Policy is Partial Resolved-Proof of Hazard Insurance premium provided at resubmission. - Due Diligence Vendor-02/10/2023

Ready for Review-Document Uploaded.  - Seller-02/10/2023

Open- Hazard Insurance Policy Partially Provided -  Document is incomplete or missing required policy information.  Please provide page 2 of insurance document verifying annual premium amount. - Due Diligence Vendor-02/08/2023 Ready for Review-Document Uploaded.  - Seller-02/10/2023

Resolved-Proof of Hazard Insurance premium provided at resubmission. - Due Diligence Vendor-02/10/2023

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.89 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months

Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003716 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003625 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003661 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003503 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003679 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003680 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003686 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003696 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003705 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003684 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003522 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003681 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003475 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003673 C A A A C A A A Closed finding-3532 2023-02-17 10:05 2023-02-20 09:26 Resolved 1 - Information C A Compliance TRID Initial Closing Disclosure Delivery Date Test Resolved-Received Initial CD - Due Diligence Vendor-02/20/2023
Ready for Review-Document Uploaded. Document Uploaded.  - Seller-02/17/2023
Ready for Review-Document Uploaded.  - Seller-02/17/2023
Open-***Loan closed on xxx. No CD located within the file issued to the borrower at least 3 business days prior per TRID regulations. - Due Diligence Vendor-02/17/2023
Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"xxx First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. - Due Diligence Vendor-02/17/2023 Ready for Review-Document Uploaded. Document Uploaded.  - Seller-02/17/2023

Ready for Review-Document Uploaded.  - Seller-02/17/2023

Resolved-Received Initial CD - Due Diligence Vendor-02/20/2023

Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 63.72% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12 Years

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.72% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003673 C A A A C A A A Closed finding-3631 2023-02-17 10:05 2023-02-20 09:26 Resolved 1 - Information C A Compliance Points & Fees Reimbursement Amount Validation Test Resolved-Received Initial CD - Due Diligence Vendor-02/20/2023
Ready for Review-Document Uploaded. Document Uploaded.  - Seller-02/17/2023
Open-***Loan closed on xxx. No CD located within the file issued to the borrower at least 3 business days prior per TRID regulations. - Due Diligence Vendor-02/17/2023
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/17/2023 Ready for Review-Document Uploaded. Document Uploaded.  - Seller-02/17/2023

Resolved-Received Initial CD - Due Diligence Vendor-02/20/2023

Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 63.72% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12 Years

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.72% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003673 C A A A C A A A Closed finding-3632 2023-02-17 10:05 2023-02-20 09:26 Resolved 1 - Information C A Compliance Disclosures (Federal, State, and Data Dependent) Consummation or Reimbursement Date Validation Test Resolved-Received Initial CD - Due Diligence Vendor-02/20/2023
Ready for Review-Document Uploaded. Document Uploaded.  - Seller-02/17/2023
Open-***Loan closed on xxx. No CD located within the file issued to the borrower at least 3 business days prior per TRID regulations. - Due Diligence Vendor-02/17/2023
Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/17/2023 Ready for Review-Document Uploaded. Document Uploaded.  - Seller-02/17/2023

Resolved-Received Initial CD - Due Diligence Vendor-02/20/2023

Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 63.72% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12 Years

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.72% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003673 C A A A C A A A Closed finding-3635 2023-02-17 10:05 2023-02-20 09:26 Resolved 1 - Information C A Compliance TRID Tolerance Charges That In Total Cannot Increase More Than 10% Test Resolved-Received Initial CD - Due Diligence Vendor-02/20/2023
Ready for Review-Document Uploaded. Document Uploaded.  - Seller-02/17/2023
Open-***Loan closed on xxx. No CD located within the file issued to the borrower at least 3 business days prior per TRID regulations. - Due Diligence Vendor-02/17/2023
Open-This loan failed the charges that in total cannot increase more than 10% test.  (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($xxx) exceed the comparable charges ($xxx) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-02/17/2023 Ready for Review-Document Uploaded. Document Uploaded.  - Seller-02/17/2023

Resolved-Received Initial CD - Due Diligence Vendor-02/20/2023

Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 63.72% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12 Years

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.72% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003707 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003717 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003727 C A A A A A C A Closed FVAL9739 2023-02-19 12:02 2023-02-22 16:13 Resolved 1 - Information C A Property Appraisal Property/Appraisal General Resolved-Received the property detail report and a recorded warranty deed which supports the prior transfer of the subject property occurred on xxx(appraisal appears to have a typographical error for the prior sales date).  Based on the appraiser comments and the prior sales date being more than 2 years prior and the support of the enhanced desk review, the value is supported and the increase in value is not considered excessive. - Due Diligence Vendor-02/22/2023
Ready for Review-Document Uploaded. -per UW: The subject property was purchased previously for $xxx on xxx (Not xxx). The appreciation happened over a 2.5 year period. I have attached the documents showing this but also snipped the specific sections below.

This should take care of our concerns on the appreciation ... - Seller-02/22/2023
Counter-Confirmed appraiser does address rooms below grade variance for adjustment, and indicates upgrades made in 2021 and 2020 (sump pump and furnace). However, no commentary was provided regarding 49.5% value increase in less than six months from prior sale on xx/xx/xxxx and subject application on xx/xx/xxxx.  Additionally, the Condition Rating of C3 indicates some updating performed but not of significant improvement nor are specifics given.  Please provide addendum from appraiser addressing increase in value as the comment, "The above prior sales or transfers of the subject property and/ or comparables do not have an impact on the subject's appraised value marketability" is insufficient.  Addendum must specify, based on prior MLS listing
or other verifiable sources, what modifications were made to produce this degree of appreciation to value. - Due Diligence Vendor-02/22/2023
Ready for Review-this condition is erroneous. Appraiser makes comments throughout the Appraisal report. Page 2 reflects updated Kitchen and Bathroom etc... Pages 9-10 speak to the comparables in this deficiency. Subject has finished basement. - Seller-02/21/2023
Open-Subject was purchased in xxx for $xxx. Appraiser made not mention as to how property appreciated to $xxx in 6 months. Appraised value is higher than predominant value in area. Comparables 2 and 3 had similar large jumps in value with no indication as to why. - Due Diligence Vendor-02/19/2023 Ready for Review-Document Uploaded. -per UW: The subject property was purchased previously for $xxx on xxx (Not xxx). The appreciation happened over a 2.5 year period. I have attached the documents showing this but also snipped the specific sections below.

This should take care of our concerns on the appreciation ... - Seller-02/22/2023
Ready for Review-this condition is erroneous. Appraiser makes comments throughout the Appraisal report. Page 2 reflects updated Kitchen and Bathroom etc... Pages 9-10 speak to the comparables in this deficiency. Subject has finished basement. - Seller-02/21/2023
Resolved-Received the property detail report and a recorded warranty deed which supports the prior transfer of the subject property occurred on xxx(appraisal appears to have a typographical error for the prior sales date).  Based on the appraiser comments and the prior sales date being more than 2 years prior and the support of the enhanced desk review, the value is supported and the increase in value is not considered excessive. - Due Diligence Vendor-02/22/2023
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.24 Are Greater Than The Guideline Minimum Of 15 By Six (6) Or More Months

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 716 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003598 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003693 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003698 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003743 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003760 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003639 C A A A C A A A Closed FCOM1252 2023-02-24 11:46 2023-02-27 17:20 Resolved 1 - Information C A Compliance TRID TRID: Missing Loan Estimate Resolved-Received Initial and Revised LEs - Due Diligence Vendor-02/27/2023

Ready for Review-Document Uploaded. Document Uploaded.  - Seller-02/24/2023

Ready for Review-Document Uploaded.  - Seller-02/24/2023

Open-***Initial loan estimate not located within loan file. Compliance review incomplete until minimum required documents to complete review are received. - Due Diligence Vendor-02/24/2023 Ready for Review-Document Uploaded. Document Uploaded.  - Seller-02/24/2023

Ready for Review-Document Uploaded.  - Seller-02/24/2023

Resolved-Received Initial and Revised LEs - Due Diligence Vendor-02/27/2023

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 737 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.47 Are Greater Than The Guideline Minimum Of 15 By Six (6) Or More Months xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003639 C A A A C A A A Closed FCOM1266 2023-02-24 11:44 2023-02-27 16:53 Resolved 1 - Information B A Compliance Disclosures (Federal, State, and Data Dependent) Homeownership Counseling Disclosure Is Missing Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable ***Received disclosure. - Due Diligence Vendor-02/27/2023

Ready for Review-Document Uploaded. Document Uploaded.  - Seller-02/24/2023

Ready for Review-Document Uploaded.  - Seller-02/24/2023

Open-Homeownership Counseling Disclosure Is Missing ***Not located within loan file. - Due Diligence Vendor-02/24/2023 Ready for Review-Document Uploaded. Document Uploaded.  - Seller-02/24/2023

Ready for Review-Document Uploaded.  - Seller-02/24/2023

Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable ***Received disclosure. - Due Diligence Vendor-02/27/2023

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 737 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.47 Are Greater Than The Guideline Minimum Of 15 By Six (6) Or More Months xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003639 C A A A C A A A Closed FCOM1621 2023-02-24 11:44 2023-02-27 16:53 Resolved 1 - Information B A Compliance Missing Doc - Federal Disclosure Initial Escrow Account Disclosure is Missing Resolved-Initial Escrow Account Disclosure is Resolved.  **Received disclosure. - Due Diligence Vendor-02/27/2023

Ready for Review-Document Uploaded. Document Uploaded.  - Seller-02/24/2023

Open-Initial Escrow Account Disclosure is Missing ****Escrows collected per FCD. Disclosure not located within loan file.  - Due Diligence Vendor-02/24/2023 Ready for Review-Document Uploaded. Document Uploaded.  - Seller-02/24/2023

Resolved-Initial Escrow Account Disclosure is Resolved.  **Received disclosure. - Due Diligence Vendor-02/27/2023

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 737 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.47 Are Greater Than The Guideline Minimum Of 15 By Six (6) Or More Months xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003667 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003688 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Second Home Refinance Cash Out - Other

100003748 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003753 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003485 C A A A C A A A Closed finding-47 2023-02-24 15:02 2023-02-27 18:03 Resolved 1 - Information C A Compliance Right to Rescind TILA Right of Rescission Test Resolved-Received PCCD - Due Diligence Vendor-02/27/2023
Ready for Review-Document Uploaded. Document Uploaded.  - Seller-02/27/2023
Open-This loan failed the TILA right of rescission test.

Closed-end ( 12 CFR §1026.23(a)(3) , transferred from  12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from  12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.

The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. *****The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-02/24/2023 Ready for Review-Document Uploaded. Document Uploaded.  - Seller-02/27/2023

Resolved-Received PCCD - Due Diligence Vendor-02/27/2023

xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003703 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003735 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003737 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003768 D A D A A A A A Closed FCRE7497 2023-02-28 09:06 2023-02-28 20:58 Resolved 1 - Information D A Credit Missing Doc Missing verification of taxes, insurance, and/or HOA fees for non-subject property Resolved-Validation of full payment for investment property provided at resubmission. - Due Diligence Vendor-03/01/2023
Ready for Review-Document Uploaded. Document Uploaded.  - Seller-03/01/2023
Open-Please provide verification of HOA dues for xxx as Property Search in file indicates this unit is located in a condominium. - Due Diligence Vendor-02/28/2023 Ready for Review-Document Uploaded. Document Uploaded.  - Seller-03/01/2023

Resolved-Validation of full payment for investment property provided at resubmission. - Due Diligence Vendor-03/01/2023

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.71 Are Greater Than The Guideline Minimum Of 14 By Six (6) Or More Months xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003514 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003715 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Second Home Purchase NA

100003741 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003770 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003664 C A C A A A A A Closed FCRE8944 2023-03-01 14:49 2023-03-08 12:15 Resolved 1 - Information C A Credit Eligibility Credit History - Derogatory Accounts Without Sufficient Explanation Resolved-Explanation provided at resubmission; report confirms as a largely isolated incident.  No further documentation required. - Due Diligence Vendor-03/08/2023
Ready for Review-Document Uploaded. Document Uploaded.  - Seller-03/08/2023
Open-xxx Charge Off / Past Due $xxx - Per GLs, derogatory credit requires Letter of Explanation.  LOE not in file. - Due Diligence Vendor-03/01/2023 Ready for Review-Document Uploaded. Document Uploaded.  - Seller-03/08/2023

Resolved-Explanation provided at resubmission; report confirms as a largely isolated incident.  No further documentation required. - Due Diligence Vendor-03/08/2023

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2603460207612457

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 730 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003752 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003758 D A A A D A A A Closed FCOM1233 2023-03-05 19:03 2023-03-07 11:38 Resolved 1 - Information D A Compliance Missing Doc - Closing Package The Final 1003 is Incomplete Resolved-Revised 1003 provided at resubmission. - Due Diligence Vendor-03/07/2023
Ready for Review-Document Uploaded. Document Uploaded.  - Seller-03/07/2023
Open-Please provide corrected Final 1003 with Assets section initialed by borrower, removing $xxx gift as file documents receipt but these funds are shortly thereafter refunded to the donor and thus are not eligible for inclusion in consideration. - Due Diligence Vendor-03/06/2023 Ready for Review-Document Uploaded. Document Uploaded.  - Seller-03/07/2023

Resolved-Revised 1003 provided at resubmission. - Due Diligence Vendor-03/07/2023

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.4 Are Greater Than The Guideline Minimum Of 13.45 By Six (6) Or More Months xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003767 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003636 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003669 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003694 D A D A C A A A Closed FCOM3957 2023-03-03 12:49 2023-03-06 14:52 Resolved 1 - Information C A Compliance TRID TRID: Initial Loan Estimate not provided within 3 days of application Resolved-Received Initial LE - Due Diligence Vendor-03/06/2023

Ready for Review-Document Uploaded. Document Uploaded.  - Seller-03/03/2023

Ready for Review-Document Uploaded.  - Seller-03/03/2023

Open-****Initial LE is missing from file. No evidence that Loan Estimate was provided to borrower within 3 days of application. Lender to provide Initial Loan Estimate for Compliance testing (Compliance review incomplete) - Due Diligence Vendor-03/03/2023 Ready for Review-Document Uploaded. Document Uploaded.  - Seller-03/03/2023

Ready for Review-Document Uploaded.  - Seller-03/03/2023

Resolved-Received Initial LE - Due Diligence Vendor-03/06/2023

xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003694 D A D A C A A A Closed FCOM1266 2023-03-03 12:41 2023-03-06 13:41 Resolved 1 - Information B A Compliance Disclosures (Federal, State, and Data Dependent) Homeownership Counseling Disclosure Is Missing Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-03/06/2023

Ready for Review-Document Uploaded. Document Uploaded.  - Seller-03/03/2023

Open-Homeownership Counseling Disclosure Is Missing *** Lender to provide Homeownership Counseling Disclosure disclosed to borrower(s) within 3 days of loan application - Due Diligence Vendor-03/03/2023 Ready for Review-Document Uploaded. Document Uploaded.  - Seller-03/03/2023

Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-03/06/2023

xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003694 D A D A C A A A Closed FCOM1621 2023-03-03 12:41 2023-03-06 13:41 Resolved 1 - Information B A Compliance Missing Doc - Federal Disclosure Initial Escrow Account Disclosure is Missing Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-03/06/2023

Ready for Review-Document Uploaded. Document Uploaded.  - Seller-03/03/2023

Open-Initial Escrow Account Disclosure is Missing - Due Diligence Vendor-03/03/2023 Ready for Review-Document Uploaded. Document Uploaded.  - Seller-03/03/2023

Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-03/06/2023

xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003694 D A D A C A A A Closed FCRE1334 2023-03-03 11:48 2023-03-05 19:06 Resolved 1 - Information D A Credit Missing Doc - Income Borrower 1 Executed 4506-T Missing Resolved-Borrower 1 Executed 4506-C provided at resubmission. - Due Diligence Vendor-03/06/2023

Ready for Review-Document Uploaded. Document Uploaded.  - Seller-03/03/2023

Open-Borrower 1 Executed 4506-T Missing - Due Diligence Vendor-03/03/2023 Ready for Review-Document Uploaded. Document Uploaded.  - Seller-03/03/2023

Resolved-Borrower 1 Executed 4506-C provided at resubmission. - Due Diligence Vendor-03/06/2023

xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003708 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003520 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated

100003670 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003789 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003678 C A C A C A A A Closed finding-3631 2023-03-07 11:42 2023-03-14 19:18 Resolved 1 - Information C A Compliance Points & Fees Reimbursement Amount Validation Test Resolved-*** Received Mavent Report - Due Diligence Vendor-03/14/2023
Ready for Review-Document Uploaded.  - Seller-03/14/2023
Counter-The 3 day waiting period begins from the presumed received by the borrower date of xxx. - Due Diligence Vendor-03/10/2023
Ready for Review-Please escalate this. CD/COC was mailed on Friday the 17th and consummation did not occur until Thursday the 23rd. - Seller-03/10/2023
Counter-The revised CD issued xxx with an increase to the Discount Points fee according to the Disclosure Tracking Details in the file indicate the CD was sent to the borrower via mail and indicate a presumed received by the borrower date of xxx which is less than three business days before the closing date of xxx. The borrower was not allowed the 3 day waiting period for a rate-lock dependent change of circumstance hence making the COC for the rate extension invalid. - Due Diligence Vendor-03/10/2023
Ready for Review-Document Uploaded. Document Uploaded.  - Seller-03/08/2023
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Discount points increased to $xxx Loan closed the next calendar day (2.23.23) after borrower received Revised CD (2.22.23). Insufficient three (3) business day waiting period for rate-lock dependent COC (p. 122).  - Due Diligence Vendor-03/08/2023 Ready for Review-Document Uploaded.  - Seller-03/14/2023
Ready for Review-Please escalate this. CD/COC was mailed on xxx and consummation did not occur until xxx. - Seller-03/10/2023
Ready for Review-Document Uploaded. Document Uploaded.  - Seller-03/08/2023
Resolved-*** Received xxx Report - Due Diligence Vendor-03/14/2023
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.28 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 681 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003678 C A C A C A A A Closed finding-3632 2023-03-07 11:42 2023-03-14 19:18 Resolved 1 - Information C A Compliance Disclosures (Federal, State, and Data Dependent) Consummation or Reimbursement Date Validation Test Resolved-*** Received Mavent Report - Due Diligence Vendor-03/14/2023
Ready for Review-Document Uploaded. Document Uploaded.  - Seller-03/14/2023
Counter-The 3 day waiting period begins from the presumed received by the borrower date of xxx. - Due Diligence Vendor-03/10/2023
Ready for Review-Please escalate. CD/COC was mailed on Friday the 17th and consummation did not occur until Thursday the 23rd.  - Seller-03/10/2023
Counter-The revised CD issued xxx with an increase to the Discount Points fee according to the Disclosure Tracking Details in the file indicate the CD was sent to the borrower via mail and indicate a presumed received by the borrower date of xxx which is less than three business days before the closing date of xxx. The borrower was not allowed the 3 day waiting period for a rate-lock dependent change of circumstance hence making the COC for the rate extension invalid. - Due Diligence Vendor-03/10/2023
Ready for Review-Document Uploaded. Document Uploaded.  - Seller-03/08/2023
Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Discount points increased to $xxx Loan closed the next calendar day (2.23.23) after borrower received Revised CD (2.22.23). Insufficient three (3) business day waiting period for rate-lock dependent COC (p. 122).  - Due Diligence Vendor-03/08/2023 Ready for Review-Document Uploaded. Document Uploaded.  - Seller-03/14/2023
Ready for Review-Please escalate. CD/COC was mailed on xxx and consummation did not occur until xxx.  - Seller-03/10/2023
Ready for Review-Document Uploaded. Document Uploaded.  - Seller-03/08/2023
Resolved-*** Received xxx Report - Due Diligence Vendor-03/14/2023
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.28 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 681 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003678 C A C A C A A A Closed finding-3634 2023-03-07 11:42 2023-03-14 19:18 Resolved 1 - Information C A Compliance TRID Tolerance Charges That Cannot Increase Test Resolved-*** Received Mavent Report - Due Diligence Vendor-03/14/2023
Ready for Review-Document Uploaded. Document Uploaded.  - Seller-03/14/2023
Counter-The 3 day waiting period begins from the presumed received by the borrower date of 2/22/2023. - Due Diligence Vendor-03/10/2023
Ready for Review-Please escalate.  - Seller-03/10/2023
Counter-The revised CD issued xxx with an increase to the Discount Points fee according to the Disclosure Tracking Details in the file indicate the CD was sent to the borrower via mail and indicate a presumed received by the borrower date of xxx which is less than three business days before the closing date of xxx. The borrower was not allowed the 3 day waiting period for a rate-lock dependent change of circumstance hence making the COC for the rate extension invalid. - Due Diligence Vendor-03/10/2023
Ready for Review-Document Uploaded.  - Seller-03/08/2023
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Discount points increased to $xxx Loan closed the next calendar day (xxx) after borrower received Revised CD (xxx). Insufficient three (3) business day waiting period for rate-lock dependent COC (p. 122).  - Due Diligence Vendor-03/08/2023 Ready for Review-Document Uploaded. Document Uploaded.  - Seller-03/14/2023

Ready for Review-Please escalate.  - Seller-03/10/2023

Ready for Review-Document Uploaded.  - Seller-03/08/2023

Resolved-*** Received xxx Report - Due Diligence Vendor-03/14/2023
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.28 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 681 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003678 C A C A C A A A Closed finding-3542 2023-03-07 11:42 2023-03-14 19:17 Resolved 1 - Information C A Compliance TRID Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test Resolved-*** Received Mavent Report - Due Diligence Vendor-03/14/2023
Ready for Review-Document Uploaded. Document Uploaded.  - Seller-03/14/2023
Counter-The 3 day waiting period begins from the presumed received by the borrower date of xxx. - Due Diligence Vendor-03/10/2023
Ready for Review-This defi is erroneous - please escalate. Consummation took place after waiting period ended. -received by borrower on xxx (per disclosure tracking summary in file - pg. 204, 209) / Closing xxx - Seller-03/10/2023
Counter-The revised CD issued xxx with an increase to the Discount Points fee according to the Disclosure Tracking Details in the file indicate the CD was sent to the borrower via mail and indicate a presumed received by the borrower date of 2/22/2023 which is less than three business days before the closing date of xxx. The borrower was not allowed the 3 day waiting period for a rate-lock dependent change of circumstance hence making the COC for the rate extension invalid. - Due Diligence Vendor-03/10/2023
Ready for Review-Document Uploaded.  - Seller-03/08/2023
Open-This loan failed the revised closing disclosure delivery date test (waiting period required).( 12 CFR §1026.19(f)(2)(ii) )The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"xxx First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §1026.38(o)(4) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §1026.38(a)(5)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. Revised CD dated xx/xx/xxxx with increased points of $xxx received by borrower on xx/xx/xxxx (per disclosure tracking summary in file - pg. 204, 209). Three (3) business day waiting period for rate-lock dependent COC (p. 122) not provided to borrower. Loan closed the next calendar day on xx/xx/xxxx. - Due Diligence Vendor-03/08/2023 Ready for Review-Document Uploaded. Document Uploaded.  - Seller-03/14/2023
Ready for Review-This defi is erroneous - please escalate. Consummation took place after waiting period ended. -received by borrower on xxx (per disclosure tracking summary in file - pg. 204, 209) / Closing xxx - Seller-03/10/2023
Ready for Review-Document Uploaded.  - Seller-03/08/2023
Resolved-*** Received xxx Report - Due Diligence Vendor-03/14/2023
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.28 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 681 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003678 C A C A C A A A Closed FCRE1160 2023-03-07 06:17 2023-03-09 07:28 Resolved 1 - Information C A Credit Insurance Hazard Insurance Expiration Date is before the Note Date Resolved-Hazard Insurance renewal provided at resubmission. - Due Diligence Vendor-03/09/2023
Ready for Review-Document Uploaded. HOI was effective xxx prior to funding and does not expire until xxx - Seller-03/08/2023
Open-Hazard Insurance Expiration Date of xxx is prior to or equal to the Note Date of xxx HOI Document expired on xxx, However the Closing date is xxx. Invoice dated xxx and missing declaration page that goes with invoice date.  - Due Diligence Vendor-03/07/2023 Ready for Review-Document Uploaded. HOI was effective xxx prior to funding and does not expire until xxx - Seller-03/08/2023
Resolved-Hazard Insurance renewal provided at resubmission. - Due Diligence Vendor-03/09/2023

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.28 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 681 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003754 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003766 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003788 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003797 C A C A A A A A Closed FCRE1254 2023-03-08 11:40 2023-03-13 08:17 Resolved 1 - Information C A Credit Title Property Title Issue Resolved-Property Title Issue Resolved - Due Diligence Vendor-03/13/2023

Ready for Review-Document Uploaded.  - Seller-03/10/2023

Open-Property Title Issue .  Borrower co-owns the subject with non-borrowing spouse, however Final 1003 indicates they are legally separated.  Please provide confirmation if a formal agreement for division of the net proceeds is in place as this could impact the reserves available. - Due Diligence Vendor-03/08/2023 Ready for Review-Document Uploaded.  - Seller-03/10/2023

Resolved-Property Title Issue Resolved - Due Diligence Vendor-03/13/2023

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 801 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 Years

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.48% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 52.48% Is Below the Guideline Maximum Of 65% By Ten Percent (10%) or More xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003719 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003826 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003808 D A D A A A D A Closed FCRE1201 2023-03-09 07:07 2023-03-10 07:25 Resolved 1 - Information D A Credit Missing Doc - Credit Third Party Fraud Report not Provided Resolved-Third Party Fraud Report provided at resubmission with no unaddressed High Risk Flags. - Due Diligence Vendor-03/10/2023

Ready for Review-Document Uploaded. Document Uploaded. Document Uploaded.  - Seller-03/09/2023

Ready for Review-Document Uploaded. Document Uploaded.  - Seller-03/09/2023

Open-Missing Third Party Fraud Report - Due Diligence Vendor-03/09/2023 Ready for Review-Document Uploaded. Document Uploaded. Document Uploaded.  - Seller-03/09/2023

Ready for Review-Document Uploaded. Document Uploaded.  - Seller-03/09/2023

Resolved-Third Party Fraud Report provided at resubmission with no unaddressed High Risk Flags. - Due Diligence Vendor-03/10/2023

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 67.47 Are Greater Than The Guideline Minimum Of 12.64 By Six (6) Or More Months

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003808 D A D A A A D A Closed FPRO1242 2023-03-09 07:08 2023-03-10 07:22 Resolved 1 - Information D A Property Missing Doc - Appraisal Appraisal is Missing Resolved-Origination Appraisal provided at resubmission. - Due Diligence Vendor-03/10/2023

Ready for Review-Document Uploaded. Document Uploaded.  - Seller-03/09/2023

Open-Appraisal is missing - Due Diligence Vendor-03/09/2023 Ready for Review-Document Uploaded. Document Uploaded.  - Seller-03/09/2023

Resolved-Origination Appraisal provided at resubmission. - Due Diligence Vendor-03/10/2023

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 67.47 Are Greater Than The Guideline Minimum Of 12.64 By Six (6) Or More Months

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003474 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003763 D A A A D A A A Closed FCOM1287 2023-03-13 10:25 2023-03-20 22:04 Resolved 1 - Information D A Compliance Missing Doc - State Disclosure Consumer Caution and Home Owner Counseling Notice is Missing Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-03/21/2023
Ready for Review-Document Uploaded. This was already in the file. Our xxx ordered it thru xxx. Not sure what more you need on this. Please escalate. - Seller-03/20/2023
Counter-Received PCCD with Payee name updated to xxx FBO xxx. In addition to the PCCD, we need documentation in support of payee name update.  Lender to provide Invoice from xxx. - Due Diligence Vendor-03/17/2023
Ready for Review-Document Uploaded.  - Seller-03/16/2023
Counter-Consumer Caution and Home Owner Counseling Notice is a disclosure in relation to high-cost loans. xxx report provided indicates the lender excluded the Appraisal fee from the fee inclusion for High-Cost testing. The Appraisal fee was paid to xx, a lender affiliate. - Due Diligence Vendor-03/15/2023
Ready for Review-Document Uploaded. Document Uploaded.  - Seller-03/13/2023
Open-Consumer Caution and Home Owner Counseling Notice is Missing Missing the Consumer Caution and Home Owner Counseling Notice/Disclosure. - Due Diligence Vendor-03/13/2023 Ready for Review-Document Uploaded. This was already in the file. Our xxx ordered it thru xxx. Not sure what more you need on this. Please escalate. - Seller-03/20/2023
Ready for Review-Document Uploaded.  - Seller-03/16/2023
Ready for Review-Document Uploaded. Document Uploaded.  - Seller-03/13/2023
Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-03/21/2023

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 111.91 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 783 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 60% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003763 D A A A D A A A Closed finding-3408 2023-03-13 10:28 2023-03-20 22:02 Resolved 1 - Information C A Compliance Points & Fees High-Cost Mortgage Late Fee Test Ready for Review-Document Uploaded. Please escalate.  - Seller-03/20/2023
Counter-Received PCCD with Payee name updated to xxx FBO xxx. In addition to the PCCD, we need documentation in support of payee name update.  Lender to provide Invoice from xxx. - Due Diligence Vendor-03/17/2023
Ready for Review-Document Uploaded. Document Uploaded.  - Seller-03/16/2023
Ready for Review-Document Uploaded.  - Seller-03/16/2023
Counter-xxx report provided indicates the lender excluded the Appraisal fee from the fee inclusion for High-Cost testing. The Appraisal fee was paid to xxx, a lender affiliate. - Due Diligence Vendor-03/15/2023
Ready for Review-Document Uploaded. Document Uploaded.  - Seller-03/13/2023
Open-Lender to provide their compliance testing results for review.  - Due Diligence Vendor-03/13/2023
Open-This loan failed the high-cost mortgage late charges test for one of the following reasons: ( 12 CFR §1026.34(a)(8)(i) )The loan provides for a late payment fee in excess of 4% of the amount of the payment past due; orA value for the late charges amount was not provided.Any late payment charge imposed in connection with a high-cost mortgage must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed 4 percent of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. - Due Diligence Vendor-03/13/2023 Ready for Review-Document Uploaded. Please escalate.  - Seller-03/20/2023

Ready for Review-Document Uploaded. Document Uploaded.  - Seller-03/16/2023

Ready for Review-Document Uploaded.  - Seller-03/16/2023

Ready for Review-Document Uploaded. Document Uploaded.  - Seller-03/13/2023

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 111.91 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 783 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 60% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003763 D A A A D A A A Closed finding-756 2023-03-13 10:28 2023-03-20 22:02 Resolved 1 - Information C A Compliance Points & Fees Covered Loan DTI Provided Test Ready for Review-Document Uploaded. please escalate. - Seller-03/20/2023
Counter-Received PCCD with Payee name updated to xxx FBO xxx. In addition to the PCCD, we need documentation in support of payee name update.  Lender to provide Invoice from xxx. - Due Diligence Vendor-03/17/2023
Ready for Review-Document Uploaded.  - Seller-03/16/2023
Counter-xxx report provided indicates the lender excluded the Appraisal fee from the fee inclusion for High-Cost testing. The Appraisal fee was paid to xxx, a lender affiliate. - Due Diligence Vendor-03/15/2023
Ready for Review-Document Uploaded. Document Uploaded. There is no DTI on this loan. - Seller-03/13/2023
Open-Lender to provide their compliance testing results for review.  - Due Diligence Vendor-03/13/2023
Open-This loan failed the covered loan DTI provided test.
(CO HB 02-1259 § 1 (5-3.5-103)(b))
The loan is a covered loan and the DTI ratio of the obligor(s) was not provided. The DTI ratio is one of several factors that should be considered when determining the borrower's payment ability.

PLEASE NOTE:  This result is not a determination that the lender reasonably believes at the time the loan is made that the borrower will be able to make the scheduled payments associated with the covered loan. - Due Diligence Vendor-03/13/2023 Ready for Review-Document Uploaded. please escalate. - Seller-03/20/2023

Ready for Review-Document Uploaded.  - Seller-03/16/2023

Ready for Review-Document Uploaded. Document Uploaded. There is no DTI on this loan. - Seller-03/13/2023

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 111.91 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 783 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 60% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003763 D A A A D A A A Closed finding-3410 2023-03-13 10:28 2023-03-20 22:02 Resolved 1 - Information C A Compliance Points & Fees High-Cost Mortgage Financing of Points and Fees Test Ready for Review-Document Uploaded. please escalate. - Seller-03/20/2023
Counter-Received PCCD with Payee name updated to xxx FBO xxx. In addition to the PCCD, we need documentation in support of payee name update.  Lender to provide Invoice from xxx. - Due Diligence Vendor-03/17/2023
Ready for Review-Document Uploaded.  - Seller-03/16/2023
Counter-xxx report provided indicates the lender excluded the Appraisal fee from the fee inclusion for High-Cost testing. The Appraisal fee was paid to xxx, a lender affiliate. - Due Diligence Vendor-03/15/2023
Ready for Review-Document Uploaded.  - Seller-03/13/2023
Open-Lender to provide their compliance testing results for review.  - Due Diligence Vendor-03/13/2023
Open-This loan failed the high-cost mortgage financing of points and fees test. ( 12 CFR §1026.34(a)(10) )The loan finances, directly or indirectly, any points and fees, as defined in the legislation.A creditor that extends credit under a high-cost mortgage may not finance charges that are required to be included in the calculation of points and fees, as that term is defined in §1026.32(b)(1) and (2). Credit insurance premiums or debt cancellation or suspension fees that are required to be included in points and fees under §1026.32(b)(1)(iv) or (2)(iv) shall not be considered financed by the creditor when they are calculated and paid in full on a monthly basis. - Due Diligence Vendor-03/13/2023 Ready for Review-Document Uploaded. please escalate. - Seller-03/20/2023

Ready for Review-Document Uploaded.  - Seller-03/16/2023

Ready for Review-Document Uploaded.  - Seller-03/13/2023

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 111.91 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 783 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 60% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003763 D A A A D A A A Closed finding-3393 2023-03-13 10:28 2023-03-20 22:02 Resolved 1 - Information C A Compliance Points & Fees High-Cost Mortgage Points and Fees Threshold Test Ready for Review-Document Uploaded. please escalate. - Seller-03/20/2023
Counter-Received PCCD with Payee name updated to xxx FBO xxx. In addition to the PCCD, we need documentation in support of payee name update.  Lender to provide Invoice from xxx. - Due Diligence Vendor-03/17/2023
Ready for Review-Document Uploaded.  - Seller-03/16/2023
Counter-xxx report provided indicates the lender excluded the Appraisal fee from the fee inclusion for High-Cost testing. The Appraisal fee was paid to xxx, a lender affiliate. - Due Diligence Vendor-03/15/2023
Ready for Review-Document Uploaded.  - Seller-03/13/2023
Open-Lender to provide their compliance testing results for review.  - Due Diligence Vendor-03/13/2023
Open-This loan failed the high-cost mortgage points and fees threshold test due to one of the following findings: ( 12 CFR §1026.32(a)(1)(ii)(A), (B) )The loan amount is $xxx or more, and the transaction's total points and fees is $xxx, which exceeds 5 percent of the total loan amount of $xxx; or The loan amount is less than $xxx and the transaction's total points and fees is $xxx, which exceeds the lesser of 8 percent of the total loan amount of $xxx or $xxx. - Due Diligence Vendor-03/13/2023 Ready for Review-Document Uploaded. please escalate. - Seller-03/20/2023

Ready for Review-Document Uploaded.  - Seller-03/16/2023

Ready for Review-Document Uploaded.  - Seller-03/13/2023

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 111.91 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 783 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 60% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003763 D A A A D A A A Closed finding-3399 2023-03-13 10:28 2023-03-20 22:02 Resolved 1 - Information C A Compliance Disclosures (Federal, State, and Data Dependent) High-Cost Mortgage Timing of Disclosure Test Ready for Review-Document Uploaded. please escalate - Seller-03/20/2023
Counter-Received PCCD with Payee name updated to xxx FBO xxx. In addition to the PCCD, we need documentation in support of payee name update.  Lender to provide Invoice from xxx. - Due Diligence Vendor-03/17/2023
Ready for Review-Document Uploaded.  - Seller-03/16/2023
Counter-xxx report provided indicates the lender excluded the Appraisal fee from the fee inclusion for High-Cost testing. The Appraisal fee was paid to xxx, a lender affiliate. - Due Diligence Vendor-03/15/2023
Ready for Review-Document Uploaded.  - Seller-03/13/2023
Open-Lender to provide their compliance testing results for review.  - Due Diligence Vendor-03/13/2023
Open-This loan failed the high-cost mortgage timing of disclosure test due to one of the following findings: ( 12 CFR §1026.31(c) )The High-Cost Mortgage Disclosure Date indicates the creditor did not furnish the disclosure required by 12 CFR §1026.32 at least three business days prior to the consummation or account opening of a high-cost mortgage; orThe High-Cost Mortgage Disclosure Date was not provided; orNeither the consummation date nor the closing date was provided. - Due Diligence Vendor-03/13/2023 Ready for Review-Document Uploaded. please escalate - Seller-03/20/2023

Ready for Review-Document Uploaded.  - Seller-03/16/2023

Ready for Review-Document Uploaded.  - Seller-03/13/2023

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 111.91 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 783 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 60% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003763 D A A A D A A A Closed finding-3406 2023-03-13 10:28 2023-03-20 22:02 Resolved 1 - Information C A Compliance Disclosures (Federal, State, and Data Dependent) High-Cost Mortgage Pre-Loan Counseling Date Test Ready for Review-Document Uploaded. please escalate. - Seller-03/20/2023
Counter-Received PCCD with Payee name updated to xxx FBO xxx. In addition to the PCCD, we need documentation in support of payee name update.  Lender to provide Invoice from xxx. - Due Diligence Vendor-03/17/2023
Ready for Review-Document Uploaded. Document Uploaded.  - Seller-03/16/2023
Counter-xxx report provided indicates the lender excluded the Appraisal fee from the fee inclusion for High-Cost testing. The Appraisal fee was paid to xxx, a lender affiliate. - Due Diligence Vendor-03/15/2023
Ready for Review-Document Uploaded. Document Uploaded.  - Seller-03/13/2023
Open-Lender to provide their compliance testing results for review.  - Due Diligence Vendor-03/13/2023
Open-This loan failed the high-cost mortgage pre-loan counseling date test due to one of the following findings:  (12 CFR §1026.34(a)(5)(i), (ii))The loan is a 2010 RESPA loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the good faith estimate or the disclosures required by 12 CFR §1026.40; or The loan is a 2015 TRID loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the initial loan estimate or the disclosures required by 12 CFR §1026.40; or The High-Cost Mortgage Pre-Loan Counseling Date was not provided; orThe High-Cost Mortgage Pre-Loan Counseling Date is on or after the closing date or estimated closing date.Certification of counseling required. A creditor shall not extend a high-cost mortgage to a consumer unless the creditor receives written certification that the consumer has obtained counseling on the advisability of the mortgage from a counselor that is approved to provide such counseling by the Secretary of the U.S. Department of Housing and Urban Development or, if permitted by the Secretary, by a State housing finance authority.(ii) Timing of counseling. The counseling required under this paragraph (a)(5) must occur after:(A) The consumer receives either the disclosure required by section 5(c) of the Real Estate Settlement Procedures Act of 1974 (12 U.S.C. 2604(c)) or the disclosures required by §1026.40; or(B) The consumer receives the disclosures required by §1026.32(c), for transactions in which neither of the disclosures listed in (A) are provided. - Due Diligence Vendor-03/13/2023 Ready for Review-Document Uploaded. please escalate. - Seller-03/20/2023

Ready for Review-Document Uploaded. Document Uploaded.  - Seller-03/16/2023

Ready for Review-Document Uploaded. Document Uploaded.  - Seller-03/13/2023

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 111.91 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 783 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 60% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003729 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003731 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated

100003738 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003781 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003798 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003817 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Second Home Purchase NA

100003828 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003491 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003762 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003784 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003785 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated

100003792 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003811 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003819 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated

100003823 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003778 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003782 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Second Home Purchase NA

100003810 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003820 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003477 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003509 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003816 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003822 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003478 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003493 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003513 D A D A A A A A Closed FCRE1145 2023-03-20 07:13 2023-03-22 08:38 Resolved 1 - Information D A Credit Missing Doc - Title Title Document Missing Resolved-Title Commitment provided at resubmission. - Due Diligence Vendor-03/22/2023

Ready for Review-Document Uploaded.  - Seller-03/21/2023

Open-Title Document is missing Title commitment is missing. - Due Diligence Vendor-03/20/2023 Ready for Review-Document Uploaded.  - Seller-03/21/2023

Resolved-Title Commitment provided at resubmission. - Due Diligence Vendor-03/22/2023

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 776 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003666 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated

100003749 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003471 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003487 C A C A A A A A Closed FCRE1491 2023-03-21 12:34 2023-05-03 16:49 Resolved 1 - Information C A Credit Assets Asset Qualification Does Not Meet Guideline Requirements Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-05/03/2023
Resolved-Confirmed borrower placed $xxx into the transaction; PCCD provided at resubmission reflects a refund of a portion of the gift funds which is not being included in reserves.  Wire for earnest money is also from the donor- permissible under xxx guidelines with reserves being derived solely from the borrower's own funds.  The PCCD also validated Disbursement Occurred xxx vs. xxx and thus wire on xxx is prior to consummation. - Due Diligence Vendor-03/22/2023
Ready for Review-Document Uploaded.  - Seller-03/21/2023
Open-Asset Qualification Does Not Meet Guideline Requirements The gift funds were wired to the title company on xxx but the closing was on xxx and funding xxx per Final CD. Receipt of the funds was not listed on the Final CD as required.  - Due Diligence Vendor-03/21/2023 Ready for Review-Document Uploaded.  - Seller-03/21/2023

Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-05/03/2023
Resolved-Confirmed borrower placed $0 into the transaction; PCCD provided at resubmission reflects a refund of a portion of the gift funds which is not being included in reserves.  Wire for earnest money is also from the donor- permissible under Community guidelines with reserves being derived solely from the borrower's own funds.  The PCCD also validated Disbursement Occurred xxx vs. xxx and thus wire on xxx is prior to consummation. - Due Diligence Vendor-03/22/2023
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003668 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003472 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003756 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003803 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003845 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003849 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003840 D A A A D A A A Closed FCOM1220 2023-03-23 01:23 2023-03-24 10:50 Resolved 1 - Information D A Compliance Missing Doc - Closing Package The Deed of Trust is Missing Resolved-The Deed of Trust is Present.  **Executed DOT received. - Due Diligence Vendor-03/24/2023

Ready for Review-Document Uploaded. Document Uploaded.  - Seller-03/23/2023

Open-The Deed of Trust is Missing As per loan package Deed of Trust is missing. - Due Diligence Vendor-03/23/2023 Ready for Review-Document Uploaded. Document Uploaded.  - Seller-03/23/2023

Resolved-The Deed of Trust is Present.  **Executed DOT received. - Due Diligence Vendor-03/24/2023

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16 Years xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003840 D A A A D A A A Closed FCOM1206 2023-03-23 01:16 2023-03-24 10:49 Resolved 1 - Information D A Compliance Missing Doc - Closing Package The Note is Missing Resolved-The Note is Present.  **Executed Note received. - Due Diligence Vendor-03/24/2023

Ready for Review-Document Uploaded. Document Uploaded.  - Seller-03/23/2023

Open-The Note is Missing As per loan package Note is Missing. - Due Diligence Vendor-03/23/2023 Ready for Review-Document Uploaded. Document Uploaded.  - Seller-03/23/2023

Resolved-The Note is Present.  **Executed Note received. - Due Diligence Vendor-03/24/2023

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16 Years xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003504 D A C A D A A A Closed FCRE1204 2023-03-24 09:21 2023-03-29 08:07 Resolved 1 - Information C A Credit Eligibility Fraud Report Shows Uncleared Alerts Resolved-xxx search provided verifying excluded party is not the same as the loan closer; item resolved. - Due Diligence Vendor-03/29/2023
Ready for Review-Document Uploaded.  - Seller-03/28/2023
Open-Fraud Report Shows Uncleared Alerts File does not contain a copy of xxx search clearance for Loan Closer as flagged by Fraud Report provided. - Due Diligence Vendor-03/24/2023 Ready for Review-Document Uploaded.  - Seller-03/28/2023

Resolved-xxx search provided verifying excluded party is not the same as the loan closer; item resolved. - Due Diligence Vendor-03/29/2023
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.76% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 789 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.76% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 32 Years

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 56.55 Are Greater Than The Guideline Minimum Of 14.82 By Six (6) Or More Months xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003504 D A C A D A A A Closed FCOM1228 2023-03-23 14:47 2023-03-27 12:50 Resolved 1 - Information D A Compliance Missing Doc - Closing Package Other Rider is Missing Resolved-Received Rider. - Due Diligence Vendor-03/27/2023

Ready for Review-Document Uploaded. Document Uploaded.  - Seller-03/24/2023

Open-Interest-Only Rider was not provided. - Due Diligence Vendor-03/24/2023 Ready for Review-Document Uploaded. Document Uploaded.  - Seller-03/24/2023

Resolved-Received Rider. - Due Diligence Vendor-03/27/2023

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.76% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 789 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.76% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 32 Years

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 56.55 Are Greater Than The Guideline Minimum Of 14.82 By Six (6) Or More Months xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003505 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003829 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003866 C A A A C A A A Closed FCOM1207 2023-03-24 03:34 2023-03-27 12:37 Resolved 1 - Information C A Compliance Closing Package The Note is Not Executed Resolved-The Note is Executed - Due Diligence Vendor-03/27/2023

Ready for Review-Document Uploaded. Document Uploaded.  - Seller-03/24/2023

Open-The Note is Not Executed Note is not executed by borrower - Due Diligence Vendor-03/24/2023 Ready for Review-Document Uploaded. Document Uploaded.  - Seller-03/24/2023

Resolved-The Note is Executed - Due Diligence Vendor-03/27/2023

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.3 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 800 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003875 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003881 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003498 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003742 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003757 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003809 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003652 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003779 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated

100003871 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003902 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003923 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003473 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003878 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003884 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003697 D A C A D A A A Closed FCOM1233 2023-04-04 07:37 2023-04-06 06:53 Resolved 1 - Information D A Compliance Missing Doc - Closing Package The Final 1003 is Incomplete Resolved-Updated and initialed 1003 provided at resubmission. - Due Diligence Vendor-04/06/2023
Ready for Review-Document Uploaded. Document Uploaded.  - Seller-04/05/2023
Open-Please provide an acceptable updated Final 1008 and 1003 with borrower acknowledging addition of property co-owned at xxx and including monthly tax amount. - Due Diligence Vendor-04/04/2023 Ready for Review-Document Uploaded. Document Uploaded.  - Seller-04/05/2023

Resolved-Updated and initialed 1003 provided at resubmission. - Due Diligence Vendor-04/06/2023

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.36 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003697 D A C A D A A A Closed FCRE1204 2023-03-31 08:41 2023-04-04 07:35 Resolved 1 - Information C A Credit Eligibility Fraud Report Shows Uncleared Alerts Resolved-Property History Report for both properties provided at resubmission- issue has been resolved. - Due Diligence Vendor-04/04/2023
Ready for Review-Document Uploaded. Document Uploaded. -per AM: The xxx address is not our borrowers. See attached property profile
The xxx address is our borrowers name, they didn’t address it as it’s a vacant lot
- Seller-04/03/2023
Counter-Letters provided in original submission and re-uploaded do not address property listed as xxx.  Additionally, no documentation or underwriter rationale was included to support clearance of flag for that dwelling as well as xxx- please provide. - Due Diligence Vendor-03/31/2023
Ready for Review-Document Uploaded. Document Uploaded.  - Seller-03/31/2023
Open-Fraud Report Shows Uncleared Alerts . Fraud Report includes a flag for two properties that the borrower may still own, however these addresses were not addressed in the package.  If the borrower does retain an interest, please provide updated, executed Final 1003.  If no longer held, please submit evidence of same. - Due Diligence Vendor-03/31/2023 Ready for Review-Document Uploaded. Document Uploaded. -per AM: The xxx address is not our borrowers. See attached property profile
The xxx address is our borrowers name, they didn’t address it as it’s a vacant lot
- Seller-04/03/2023
Ready for Review-Document Uploaded. Document Uploaded.  - Seller-03/31/2023
Resolved-Property History Report for both properties provided at resubmission- issue has been resolved. - Due Diligence Vendor-04/04/2023

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.36 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003783 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003804 D A A A D A A A Closed FCOM1220 2023-03-31 01:41 2023-05-02 10:08 Resolved 1 - Information D A Compliance Missing Doc - Closing Package The Deed of Trust is Missing Resolved-The Deed of Trust is Present - Due Diligence Vendor-05/02/2023

Resolved-The Deed of Trust is Present - Due Diligence Vendor-04/04/2023

Ready for Review-Document Uploaded.  - Seller-04/03/2023

Open-The Deed of Trust is Missing Missing Deed of Trust - Due Diligence Vendor-03/31/2023 Ready for Review-Document Uploaded.  - Seller-04/03/2023

Resolved-The Deed of Trust is Present - Due Diligence Vendor-05/02/2023

Resolved-The Deed of Trust is Present - Due Diligence Vendor-04/04/2023

xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003804 D A A A D A A A Closed FCOM1228 2023-03-31 01:43 2023-04-04 08:58 Resolved 1 - Information D A Compliance Missing Doc - Closing Package Other Rider is Missing Resolved-Received Rider. - Due Diligence Vendor-04/04/2023

Ready for Review-Document Uploaded.  - Seller-04/03/2023

Open-As per loan package Interest only Rider is missing. - Due Diligence Vendor-03/31/2023 Ready for Review-Document Uploaded.  - Seller-04/03/2023

Resolved-Received Rider. - Due Diligence Vendor-04/04/2023

xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003856 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated

100003897 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003914 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003931 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003486 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003497 C A A A C A A A Closed finding-3532 2023-04-03 17:20 2023-04-05 13:49 Resolved 1 - Information C A Compliance TRID Initial Closing Disclosure Delivery Date Test Resolved-Received Initial CD and Tracking. - Due Diligence Vendor-04/05/2023
Ready for Review-Document Uploaded.  - Seller-04/04/2023
Counter-Received unexecuted Initial CD. Lender to provide disclosure tracking with proof of receipt by borrower. - Due Diligence Vendor-04/04/2023
Ready for Review-Document Uploaded. Document Uploaded.  - Seller-04/03/2023
Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"xxxx First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. ***Loan closed on 03/27/2023. No CD located within the file issued to the borrower at least 3 business days prior per TRID regulations. - Due Diligence Vendor-04/03/2023 Ready for Review-Document Uploaded.  - Seller-04/04/2023

Ready for Review-Document Uploaded. Document Uploaded.  - Seller-04/03/2023

Resolved-Received Initial CD and Tracking. - Due Diligence Vendor-04/05/2023

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.36 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 60% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003647 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003658 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003665 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003780 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003790 C A C A A A A A Closed FCRE0360 2023-04-03 16:13 2023-04-05 09:54 Resolved 1 - Information C A Credit Borrower Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete Resolved-Property History Report for investment provided at resubmission, confirming no liens in place and taxed as vacant land thus no insurance premium; item resolved. - Due Diligence Vendor-04/05/2023
Ready for Review-Document Uploaded. FREE AND CLEAR TAX $xxx/MO - Seller-04/04/2023
Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Missing documentation of the PITIA of xxx. - Due Diligence Vendor-04/03/2023 Ready for Review-Document Uploaded. FREE AND CLEAR TAX $xxx/MO - Seller-04/04/2023
Resolved-Property History Report for investment provided at resubmission, confirming no liens in place and taxed as vacant land thus no insurance premium; item resolved. - Due Diligence Vendor-04/05/2023

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 714 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated N/A N/A

100003796 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003825 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003850 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003859 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003852 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003864 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003872 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003907 D A D A A A A A Closed FCRE5116 2023-04-04 14:32 2023-04-14 08:47 Resolved 1 - Information D A Credit Missing Doc VOM or VOR missing/required Resolved-Validation provided that borrowers have made all payments prior to crossing 30 days late on lien being refinanced; issue resolved. - Due Diligence Vendor-04/14/2023
Ready for Review-Document Uploaded.  - Seller-04/13/2023
Counter-To clarify, the payoff statement provided is dated 3/14/23, and while it does show as next due 3/1, there are Outstanding Late Fees from Previous Payment and Interest Due from 2/1/23 itemized in the total demand.  Based on this and from the history provided previously, it appears the borrower may have been 30+ days late in the three months leading up to settlement.  Please provide verification of additional payment made, or an Approved Exception. - Due Diligence Vendor-04/13/2023
Ready for Review-Document Uploaded. -per Director of Credit: The payoff demand showed next payment due was 3/1 so that is factual evidence enough to show that February was paid as agreed - Seller-04/12/2023
Counter-Bank statements- including proof of ownership of business account used to make two mortgage payments- provided at resubmission supporting satisfactory history from 1/2022-12/2022.  Based upon statements provided, however, it appears December payment was made xx/xx/xxxx and January was paid on xx/xx/xxxx with no evidence February was made.  Please provide satisfactory evidence to support that borrower was not 30+ days late in 2023 for loan paid at closing, or an Approved Exception to waive further payment history. - Due Diligence Vendor-04/05/2023
Ready for Review-Document Uploaded.  - Seller-04/05/2023
Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Mortgage paid off is a private mortgage, VOM missing from loan file.  - Due Diligence Vendor-04/04/2023 Ready for Review-Document Uploaded.  - Seller-04/13/2023
Ready for Review-Document Uploaded. -per xxx: The payoff demand showed next payment due was xxx so that is factual evidence enough to show that xxx was paid as agreed - Seller-04/12/2023
Ready for Review-Document Uploaded.  - Seller-04/05/2023
Resolved-Validation provided that borrowers have made all payments prior to crossing 30 days late on lien being refinanced; issue resolved. - Due Diligence Vendor-04/14/2023

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 714 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2887136614098423

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55.49% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 55.49% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.23 Years xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated N/A N/A

100003974 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003976 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003492 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Second Home Purchase NA

100003764 C A A A C A A A Closed finding-3625 2023-04-05 14:48 2023-04-10 17:01 Resolved 1 - Information C A Compliance TRID TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test Resolved-Received invoice as proof that Credit Report beneficiary is a third party. - Due Diligence Vendor-04/10/2023

Ready for Review-Document Uploaded.  - Seller-04/06/2023

Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ***Credit report fee in section B lists the broker as the payee without benefit of third party. Lender to confirm final recipient of fee.  - Due Diligence Vendor-04/05/2023 Ready for Review-Document Uploaded.  - Seller-04/06/2023
Resolved-Received invoice as proof that Credit Report beneficiary is a third party. - Due Diligence Vendor-04/10/2023

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 715 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.07 Are Greater Than The Guideline Minimum Of 15 By Six (6) Or More Months

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11 Years xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated N/A N/A

100003839 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003892 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003912 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003932 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003941 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003494 B A B A A A A A Closed FCRE1133 2023-04-06 11:57 2023-04-11 17:07 Resolved 1 - Information B A Credit Eligibility Purchase Contract Expiration Date is prior to Note Date Resolved-Contract addendum extending purchase date provided at resubmission. - Due Diligence Vendor-04/11/2023
Ready for Review-Document Uploaded. Document Uploaded.  - Seller-04/11/2023
Counter-Addendum provided states settlement to be xxx, however actual signing occurred on xxx- please provide acknowledgment of extension by all parties. - Due Diligence Vendor-04/11/2023
Ready for Review-Document Uploaded.  - Seller-04/10/2023
Open-The original purchase contract time to closing expired (25 days from acceptance on xxx is xxx vs. the actual settlement date of xxx); please provide a fully executed extension agreement.   - Due Diligence Vendor-04/06/2023 Ready for Review-Document Uploaded. Document Uploaded.  - Seller-04/11/2023

Ready for Review-Document Uploaded.  - Seller-04/10/2023

Resolved-Contract addendum extending purchase date provided at resubmission. - Due Diligence Vendor-04/11/2023

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 67.45% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.45% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 775 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003687 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003794 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003799 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003835 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003882 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003499 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated

100003506 C A A A C A A A Closed finding-47 2023-04-07 08:32 2023-04-10 17:40 Resolved 1 - Information C A Compliance Right to Rescind TILA Right of Rescission Test Resolved-Received PCCD - Due Diligence Vendor-04/10/2023
Ready for Review-Document Uploaded.  - Seller-04/07/2023
Open-This loan failed the TILA right of rescission test.

Closed-end ( 12 CFR §1026.23(a)(3) , transferred from  12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from  12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.

The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ***The Final CD shows a funding date of xx/xx/xxxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-04/07/2023 Ready for Review-Document Uploaded.  - Seller-04/07/2023

Resolved-Received PCCD - Due Diligence Vendor-04/10/2023

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003787 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated

100003885 D A A A D A A A Closed FCOM1621 2023-04-07 13:58 2023-04-11 16:17 Resolved 1 - Information B A Compliance Missing Doc - Federal Disclosure Initial Escrow Account Disclosure is Missing Resolved-Initial Escrow Account Disclosure is Resolved.  **received executed disclosure. - Due Diligence Vendor-04/11/2023

Ready for Review-Document Uploaded.  - Seller-04/10/2023

Open-Initial Escrow Account Disclosure is Missing Initial Escrow Account Disclosure page no 831 but borrower not signed. - Due Diligence Vendor-04/07/2023 Ready for Review-Document Uploaded.  - Seller-04/10/2023

Resolved-Initial Escrow Account Disclosure is Resolved.  **received executed disclosure. - Due Diligence Vendor-04/11/2023

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.05 Are Greater Than The Guideline Minimum Of 15 By Six (6) Or More Months

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.16 Years

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 716 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003885 D A A A D A A A Closed FCOM1281 2023-04-10 09:04 2023-04-11 16:17 Resolved 1 - Information D A Compliance Missing Doc - State Disclosure Collateral Protection Notice is Partially Provided Resolved-Collateral Protection Notice is Present - Due Diligence Vendor-04/11/2023

Ready for Review-Document Uploaded.  - Seller-04/10/2023

Open-Collateral Protection Notice is Partially Provided Missing executed disclosure - Due Diligence Vendor-04/10/2023 Ready for Review-Document Uploaded.  - Seller-04/10/2023

Resolved-Collateral Protection Notice is Present - Due Diligence Vendor-04/11/2023

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.05 Are Greater Than The Guideline Minimum Of 15 By Six (6) Or More Months

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.16 Years

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 716 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003894 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003925 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003926 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003948 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003950 B A A A B A A A Closed FCOM1621 2023-04-07 09:23 2023-04-11 16:32 Resolved 1 - Information B A Compliance Missing Doc - Federal Disclosure Initial Escrow Account Disclosure is Missing Resolved-Initial Escrow Account Disclosure is Resolved.  *Received executed disclosure - Due Diligence Vendor-04/11/2023

Ready for Review-Document Uploaded.  - Seller-04/10/2023

Open-Initial Escrow Account Disclosure is Missing Initial Escrow Account Disclosure -  2nd page (Signature page) is Missing - Due Diligence Vendor-04/07/2023 Ready for Review-Document Uploaded.  - Seller-04/10/2023

Resolved-Initial Escrow Account Disclosure is Resolved.  *Received executed disclosure - Due Diligence Vendor-04/11/2023

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 97.43 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 789 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003952 C A C A A A A A Closed FCRE1159 2023-04-06 15:03 2023-04-10 06:56 Resolved 1 - Information C A Credit Insurance Hazard Insurance Effective Date is after the Disbursement Date Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-04/10/2023
Ready for Review-Document Uploaded. Document Uploaded.  - Seller-04/07/2023
Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx Missing HOI covering the Note date  - Due Diligence Vendor-04/06/2023 Ready for Review-Document Uploaded. Document Uploaded.  - Seller-04/07/2023

Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-04/10/2023
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15 Years

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.46 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100003954 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003955 C A A A C A A A Closed finding-3625 2023-04-10 13:00 2023-04-11 16:48 Resolved 1 - Information C A Compliance TRID TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test Resolved-Received PCCD - Due Diligence Vendor-04/11/2023

Ready for Review-Document Uploaded.  - Seller-04/10/2023

Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ***Credit report fee in section B of final CD and PCCD shows the broker as the recipient "FBO" the broker.  - Due Diligence Vendor-04/10/2023 Ready for Review-Document Uploaded.  - Seller-04/10/2023

Resolved-Received PCCD - Due Diligence Vendor-04/11/2023

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.5461890243902439

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 66.55 Are Greater Than The Guideline Minimum Of 15 By Six (6) Or More Months

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 726 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003879 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003922 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003927 C A A A C A A A Closed finding-3532 2023-04-10 05:58 2023-04-12 16:24 Resolved 1 - Information C A Compliance TRID Initial Closing Disclosure Delivery Date Test Resolved-Received disclosure tracking for Initial CD - Due Diligence Vendor-04/12/2023
Ready for Review-Document Uploaded. Document Uploaded.  - Seller-04/11/2023
Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"xxx First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Lender to provide disclosure tracking for the Initial Closing Disclosure that contains proof of receipt by the borrower at least 3 business days prior to closing. - Due Diligence Vendor-04/10/2023 Ready for Review-Document Uploaded. Document Uploaded.  - Seller-04/11/2023

Resolved-Received disclosure tracking for Initial CD - Due Diligence Vendor-04/12/2023

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 801 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 50% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003846 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated

100003916 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003938 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100004012 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003795 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003958 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003994 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003637 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003699 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003924 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003936 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003951 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003851 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003880 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003893 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003937 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003944 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003508 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated

100003873 C A A A C A A A Closed finding-3532 2023-04-18 15:09 2023-04-21 10:13 Resolved 1 - Information C A Compliance TRID Initial Closing Disclosure Delivery Date Test Resolved-Received disclosure tracking for Initial CD - Due Diligence Vendor-04/21/2023
Ready for Review-Document Uploaded.  - Seller-04/20/2023
Counter-Received same copy of the unexecuted CD issued xxx that is in the original file. Lender to provide tracking disclosure for CD with evidence borrower received at least 3 business days prior to closing. - Due Diligence Vendor-04/20/2023
Ready for Review-Document Uploaded. Document Uploaded.  - Seller-04/19/2023
Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"xxx First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Lender to provide disclosure tracking information for the Initial Closing Disclosure and evidence that disclosure was provided to borrowers at least 3 business days prior to consummation date. - Due Diligence Vendor-04/19/2023 Ready for Review-Document Uploaded.  - Seller-04/20/2023

Ready for Review-Document Uploaded. Document Uploaded.  - Seller-04/19/2023

Resolved-Received disclosure tracking for Initial CD - Due Diligence Vendor-04/21/2023

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 778 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.35 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100003734 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003959 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated

100003996 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100004004 C A A A C A A A Closed finding-3631 2023-04-19 07:44 2023-04-21 10:20 Resolved 1 - Information C A Compliance Points & Fees Reimbursement Amount Validation Test Resolved-Received COC - Due Diligence Vendor-04/21/2023
Ready for Review-Document Uploaded.  - Seller-04/20/2023
Open-Additional Increase to transfer taxes disclosed in Final CD issued xxx. File does not contains a COC in file in relation to $xxx increase to the transfer taxes - Due Diligence Vendor-04/20/2023
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/19/2023 Ready for Review-Document Uploaded.  - Seller-04/20/2023

Resolved-Received COC - Due Diligence Vendor-04/21/2023

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.4 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100004004 C A A A C A A A Closed finding-3632 2023-04-19 07:44 2023-04-21 10:20 Resolved 1 - Information C A Compliance Disclosures (Federal, State, and Data Dependent) Consummation or Reimbursement Date Validation Test Resolved-Received COC - Due Diligence Vendor-04/21/2023
Ready for Review-Document Uploaded. Document Uploaded.  - Seller-04/20/2023
Open-Additional Increase to transfer taxes disclosed in Final CD issued xxx. File does not contains a COC in file in relation to $xxx increase to the transfer taxes - Due Diligence Vendor-04/20/2023
Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/19/2023 Ready for Review-Document Uploaded. Document Uploaded.  - Seller-04/20/2023

Resolved-Received COC - Due Diligence Vendor-04/21/2023

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.4 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100004004 C A A A C A A A Closed finding-3634 2023-04-19 07:44 2023-04-21 10:20 Resolved 1 - Information C A Compliance TRID Tolerance Charges That Cannot Increase Test Resolved-Received COC - Due Diligence Vendor-04/21/2023
Ready for Review-Document Uploaded. Document Uploaded.  - Seller-04/20/2023
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx. Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Additional Increase to transfer taxes disclosed in Final CD issued xxx. File does not contains a COC in file in relation to $xxx increase to the transfer taxes - Due Diligence Vendor-04/20/2023 Ready for Review-Document Uploaded. Document Uploaded.  - Seller-04/20/2023

Resolved-Received COC - Due Diligence Vendor-04/21/2023

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.4 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100004018 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003904 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100004037 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100004049 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100004060 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100004017 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003488 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Second Home Purchase NA

100003966 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003989 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100004028 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100004034 C A A A C A A A Closed finding-3532 2023-04-24 16:13 2023-04-26 11:14 Resolved 1 - Information C A Compliance TRID Initial Closing Disclosure Delivery Date Test Resolved-Received proof of delivery. - Due Diligence Vendor-04/26/2023
Ready for Review-Document Uploaded. Document Uploaded.  - Seller-04/25/2023
Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"xxx First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. ***Evidence of borrower receipt of initial closing disclosure not located within loan file. Lender to provide.  - Due Diligence Vendor-04/24/2023 Ready for Review-Document Uploaded. Document Uploaded.  - Seller-04/25/2023

Resolved-Received proof of delivery. - Due Diligence Vendor-04/26/2023

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 782 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA N/A N/A

100004041 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003898 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100004019 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100004023 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100004039 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100004045 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100003887 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Second Home Purchase NA

100004022 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100004025 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100004033 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100004046 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100004035 C A A A C A A A Closed finding-3532 2023-04-27 12:49 2023-04-28 13:40 Resolved 1 - Information C A Compliance TRID Initial Closing Disclosure Delivery Date Test Resolved-Received ICD - Due Diligence Vendor-04/28/2023
Ready for Review-Document Uploaded. Document Uploaded. Document Uploaded.  - Seller-04/27/2023
Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"xxx First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Loan closed on xxx . No CD located within the file issued to the borrower at least 3 business days prior per TRID regulations. - Due Diligence Vendor-04/27/2023 Ready for Review-Document Uploaded. Document Uploaded. Document Uploaded.  - Seller-04/27/2023

Resolved-Received ICD - Due Diligence Vendor-04/28/2023

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.44 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.7007317073170731

Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Verified xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100004035 C A A A C A A A Closed finding-3631 2023-04-27 12:49 2023-04-28 13:40 Resolved 1 - Information C A Compliance Points & Fees Reimbursement Amount Validation Test Resolved-Received COC - Due Diligence Vendor-04/28/2023

Ready for Review-Document Uploaded. Document Uploaded.  - Seller-04/27/2023

Open-The file does not appear to contain a COC or adequate lender credits to address the increase in the Transfer Taxes fee - Due Diligence Vendor-04/27/2023

Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/27/2023 Ready for Review-Document Uploaded. Document Uploaded.  - Seller-04/27/2023

Resolved-Received COC - Due Diligence Vendor-04/28/2023

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.44 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.7007317073170731

Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Verified xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100004035 C A A A C A A A Closed finding-3632 2023-04-27 12:49 2023-04-28 13:40 Resolved 1 - Information C A Compliance Disclosures (Federal, State, and Data Dependent) Consummation or Reimbursement Date Validation Test Resolved-Received COC - Due Diligence Vendor-04/28/2023

Ready for Review-Document Uploaded.  - Seller-04/27/2023

Open-The file does not appear to contain a COC or adequate lender credits to address the increase in the Transfer Taxes fee - Due Diligence Vendor-04/27/2023

Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/27/2023 Ready for Review-Document Uploaded.  - Seller-04/27/2023

Resolved-Received COC - Due Diligence Vendor-04/28/2023

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.44 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.7007317073170731

Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Verified xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100004035 C A A A C A A A Closed finding-3634 2023-04-27 12:49 2023-04-28 13:40 Resolved 1 - Information C A Compliance TRID Tolerance Charges That Cannot Increase Test Resolved-Received COC - Due Diligence Vendor-04/28/2023
Ready for Review-Document Uploaded. Document Uploaded.  - Seller-04/27/2023
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). The file does not appear to contain a COC or adequate lender credits to address the increase in the Transfer Taxes fee - Due Diligence Vendor-04/27/2023 Ready for Review-Document Uploaded. Document Uploaded.  - Seller-04/27/2023

Resolved-Received COC - Due Diligence Vendor-04/28/2023

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.44 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.7007317073170731

Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Verified xxx.pdf ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A

100004053 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003489 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003999 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Other

100004009 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100004027 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100004051 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003468 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100003500 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Refinance Cash Out - Home Improvement/Reno

100003982 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA

100004013 A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA