Seller

Alt Loan ID

Loan ID

Seller Loan ID

Investor Loan ID

Queue

Created Date

Last Modified Date

Finding Status

Event Level

Finding Category

Finding Sub Category

Finding Name

Reviewer Comments

Seller Comments

Finding Resolution

Finding Document

Reviewer Comp Factors

Originator Comp Factors

State

Occupancy

Loan Purpose

Refinance Purpose

Unique Finding ID

Acknowledged / Waived By

Waiver in File?

XXXX XXXX

20250827049

XXXX

XXXX

XXXX

Closed

2025-06-24 14:28

2025-07-30 17:20

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Final Title Document received. Condition resolved. - Due Diligence Vendor-07/30/2025 Ready for Review-Document Uploaded.  - Seller-07/30/2025 Counter-Lender provided the Preliminary Report with no evidence of title coverage.  Please provide the title commitment or final title policy.  Condition remains.  - Due Diligence Vendor-07/25/2025 Ready for Review-Document Uploaded.  - Seller-07/24/2025 Open-Title Document is missing - Due Diligence Vendor-06/24/2025

Ready for Review-Document Uploaded.  - Seller-07/30/2025  Ready for Review-Document Uploaded.  - Seller-07/24/2025

Resolved-Final Title Document received. Condition resolved. - Due Diligence Vendor-07/30/2025

XXXXXXXXXX Title Commitment.pdf XXXXXXXXXX - Title Policy.pdf

XX

Primary Residence

Purchase

NA

4540967

N/A

N/A

XXXX XXXX

20250827049

XXXX

XXXX

XXXX

Closed

2025-06-24 14:52

2025-07-11 13:58

Resolved

1 - Information

Compliance

TRID Tolerance

Lender Credits That Cannot Decrease Test (50001261)

Resolved-Received COC for decrease in lender credit.  Condition cleared.   - Due Diligence Vendor-07/11/2025 Resolved-Resolved - Due Diligence Vendor-07/11/2025 Ready for Review-Document Uploaded.  - Seller-07/10/2025 Open- - Due Diligence Vendor-06/30/2025 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($XX,XXX.XX). The actual total fee amount shows a credit amount of ($XX,XXX.XX). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). The Loan Estimate, dated (XX/XX/XXXX), reflects a general Lender Credit of ($XX,XXX.XX) in Section J.  (Final / Post-Closing) CD dated (XX/XX/XXXX) reflects a general Lender Credit of ($XX,XXX.XX) in Section J. [The loan file did not contain a valid COC to support the decrease.] No evidence of a tolerance cure was provided in file. A tolerance cure of ($XXXX) is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-06/24/2025 Open- - Due Diligence Vendor-06/24/2025

Ready for Review-Document Uploaded.  - Seller-07/10/2025

Resolved-Received COC for decrease in lender credit.  Condition cleared.   - Due Diligence Vendor-07/11/2025  Resolved-Resolved - Due Diligence Vendor-07/11/2025

XXXXXXX XXXXXXXXXX CIC.pdf

XX

Primary Residence

Purchase

NA

4541527

N/A

N/A

XXXX XXXX

20250827049

XXXX

XXXX

XXXX

Closed

2025-06-24 14:52

2025-07-11 13:57

Resolved

1 - Information

Compliance

TRID Tolerance

Lender Credits That Cannot Decrease Test (50001262)

Resolved-Received COC for decrease in lender credit.  Condition cleared.   - Due Diligence Vendor-07/11/2025 Resolved-Resolved - Due Diligence Vendor-07/11/2025 Ready for Review-Document Uploaded.  - Seller-07/10/2025 Open- - Due Diligence Vendor-06/30/2025 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XX,XXX.XX). The Last CD shows a total lender credit amount of ($XX,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). The Loan Estimate, dated (XX/XX/XXXX), reflects a general Lender Credit of ($XX,XXX.XX) in Section J.  (Final / Post-Closing) CD dated (XX/XX/XXXX) reflects a general Lender Credit of ($XX,XXX.XX) in Section J. [The loan file did not contain a valid COC to support the decrease.] No evidence of a tolerance cure was provided in file. A tolerance cure of ($XXXX) is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-06/24/2025 Open- - Due Diligence Vendor-06/24/2025

Ready for Review-Document Uploaded.  - Seller-07/10/2025

Resolved-Received COC for decrease in lender credit.  Condition cleared.   - Due Diligence Vendor-07/11/2025  Resolved-Resolved - Due Diligence Vendor-07/11/2025

XXXXXXX XXXXXXXXXX CIC.pdf

XX

Primary Residence

Purchase

NA

4541526

N/A

N/A

XXXX XXXX

20250827058

XXXX

XXXX

XXXX

Closed

2025-07-09 15:41

2025-07-25 15:45

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-07/25/2025 Resolved-Updated assets to remove unsourced deposit.  Condition cleared.   - Due Diligence Vendor-07/25/2025 Counter-Please provide documentation related to the gift fund for $XXXXXX.XX referenced in the processor cert. - Due Diligence Vendor-07/21/2025 Ready for Review-Document Uploaded.  - Seller-07/20/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing source of large deposit into #XXXX on XX/XX/XXXX - Due Diligence Vendor-07/09/2025

Ready for Review-Document Uploaded.  - Seller-07/20/2025

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-07/25/2025  Resolved-Updated assets to remove unsourced deposit.  Condition cleared.   - Due Diligence Vendor-07/25/2025

XXXXXXXXXX- PROCESSOR CERT_UAMCO.pdf XXXXXXXXXX Statement.pdf

XX

Primary Residence

Purchase

NA

4749889

N/A

N/A

XXXX XXXX

20250827058

XXXX

XXXX

XXXX

Closed

2025-07-09 15:44

2025-07-25 15:45

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements

Resolved-Taxes listed on Drive Report accepted. Condition Resolved. - Due Diligence Vendor-07/25/2025 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-07/25/2025 Resolved-Taxes listed on Drive Report accepted.  Condition Resolved. - Due Diligence Vendor-07/21/2025 Ready for Review-Document Uploaded. Provided - Seller-07/20/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing taxes for departing REO  - Due Diligence Vendor-07/09/2025

Ready for Review-Document Uploaded. Provided - Seller-07/20/2025

Resolved-Taxes listed on Drive Report accepted. Condition Resolved. - Due Diligence Vendor-07/25/2025  Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-07/25/2025  Resolved-Taxes listed on Drive Report accepted.  Condition Resolved. - Due Diligence Vendor-07/21/2025

XXXX XXXXXXX XXXXX XXXXX XXXXX Property report.pdf

XX

Primary Residence

Purchase

NA

4749947

N/A

N/A

XXXX XXXX

20250827058

XXXX

XXXX

XXXX

Closed

2025-07-09 15:41

2025-07-25 15:38

Resolved

1 - Information

Credit

Assets

Asset Qualification Does Not Meet Guideline Requirements

Resolved-Updated assets to remove unsourced deposit.  Condition cleared.   - Due Diligence Vendor-07/25/2025 Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-07/25/2025 Ready for Review-Document Uploaded. Per the attached asset worksheet, a gift of $XXX,XXX.XX was not used/needed to close.  It appears a gift was originally planned but ended up not being needed.   - Seller-07/24/2025 Counter-Please provide documentation related to the gift fund for $XXX,XXX.XX referenced in the processor cert. - Due Diligence Vendor-07/21/2025 Ready for Review-Document Uploaded.  - Seller-07/20/2025 Open-Asset Qualification Does Not Meet Guideline Requirements Missing source of large deposit into #XXXX on XX/XX/XXXX - Due Diligence Vendor-07/09/2025

Ready for Review-Document Uploaded. Per the attached asset worksheet, a gift of $XXX,XXX.XX was not used/needed to close.  It appears a gift was originally planned but ended up not being needed.   - Seller-07/24/2025  Ready for Review-Document Uploaded.  - Seller-07/20/2025

Resolved-Updated assets to remove unsourced deposit.  Condition cleared.   - Due Diligence Vendor-07/25/2025  Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-07/25/2025

XXXXXXXXXX Statement.pdf XXXXXXXXXX- PROCESSOR CERT_UAMCO.pdf XXXXXXXX XXXXXXXXXX Asset Worksheet.pdf

XX

Primary Residence

Purchase

NA

4749888

N/A

N/A

XXXX XXXX

20250827058

XXXX

XXXX

XXXX

Closed

2025-07-09 15:47

2025-07-21 21:45

Resolved

1 - Information

Credit

Missing Doc

Missing Evidence of Property Taxes for REO

Resolved-Taxes listed on Drive Report accepted.  Condition Resolved. - Due Diligence Vendor-07/21/2025 Ready for Review-Document Uploaded. Previously provided - Seller-07/20/2025 Open-Evidence of property taxes for departing REO on the final application not provided. - Due Diligence Vendor-07/09/2025

Ready for Review-Document Uploaded. Previously provided - Seller-07/20/2025

Resolved-Taxes listed on Drive Report accepted.  Condition Resolved. - Due Diligence Vendor-07/21/2025

XXXX XXXXXXX XXXXX XXXXX XXXXX Property report.pdf

XX

Primary Residence

Purchase

NA

4750002

N/A

N/A

XXXX XXXX

20250827047

XXXX

XXXX

XXXX

Closed

2025-07-23 20:15

2025-08-09 16:31

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/09/2025 Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-07/23/2025 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/23/2025

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/09/2025  Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-07/23/2025

XX

Primary Residence

Purchase

NA

4925193

Investor Post-Close

No

XXXX XXXX

20250827047

XXXX

XXXX

XXXX

Closed

2025-07-22 19:11

2025-07-30 16:47

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Final Title Document received.  Condition Resolved. - Due Diligence Vendor-07/30/2025 Ready for Review-Document Uploaded.  - Seller-07/30/2025 Counter-Lender provided the Preliminary Report with no evidence of title coverage.  Please provide the title commitment or final title policy.  Condition remains.   - Due Diligence Vendor-07/25/2025 Ready for Review-Document Uploaded.  - Seller-07/24/2025 Open-Title Document is missing - Due Diligence Vendor-07/22/2025

Ready for Review-Document Uploaded.  - Seller-07/30/2025  Ready for Review-Document Uploaded.  - Seller-07/24/2025

Resolved-Final Title Document received.  Condition Resolved. - Due Diligence Vendor-07/30/2025

XXXXXXXXXX Title Commitment.pdf XXXXXXXXXX - Title Policy.pdf

XX

Primary Residence

Purchase

NA

4909017

N/A

N/A

XXXX XXXX

20250827047

XXXX

XXXX

XXXX

Closed

2025-07-22 19:35

2025-07-25 21:39

Resolved

1 - Information

Credit

Insurance

HO6 Insurance Policy Effective Date is after the Note Date

Resolved-Attestation accepted.  Condition Resolved. - Due Diligence Vendor-07/25/2025 Ready for Review-Document Uploaded.  - Seller-07/25/2025 Open-HO-6 insurance policy effective date is 1 day after the subject loan disbursement date.  - Due Diligence Vendor-07/23/2025

Ready for Review-Document Uploaded.  - Seller-07/25/2025

Resolved-Attestation accepted.  Condition Resolved. - Due Diligence Vendor-07/25/2025

XXXXXXXXXX Insurace Attestation.pdf

XX

Primary Residence

Purchase

NA

4909519

N/A

N/A

XXXX XXXX

20250827029

XXXX

XXXX

XXXX

Closed

2025-06-17 17:21

2025-07-24 23:05

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: IEADS Required - Missing or Incomplete

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-07/24/2025 Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-06/17/2025

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-07/24/2025

XX

Primary Residence

Purchase

NA

4474799

Investor Post-Close

No

XXXX XXXX

20250827029

XXXX

XXXX

XXXX

Closed

2025-06-17 17:39

2025-07-24 12:42

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Received final title policy.  Condition cleared.  - Due Diligence Vendor-07/24/2025 Resolved-Title Document is not Missing - Due Diligence Vendor-07/24/2025 Ready for Review-Document Uploaded.  - Seller-07/23/2025 Open-Title Document is missing - Due Diligence Vendor-06/17/2025

Ready for Review-Document Uploaded.  - Seller-07/23/2025

Resolved-Received final title policy.  Condition cleared.  - Due Diligence Vendor-07/24/2025  Resolved-Title Document is not Missing - Due Diligence Vendor-07/24/2025

XXXXXXXXXX Title Policy.pdf

XX

Primary Residence

Purchase

NA

4475113

N/A

N/A

XXXX XXXX

20250827029

XXXX

XXXX

XXXX

Closed

2025-06-17 17:21

2025-07-10 14:42

Resolved

1 - Information

Compliance

Disclosure

ECOA: Appraisal Not Provided to Applicant

Resolved-Received evidence appraisal was provided to applicant.  Condition cleared.  - Due Diligence Vendor-07/10/2025 Ready for Review-Document Uploaded.  - Seller-07/10/2025 Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-06/17/2025

Ready for Review-Document Uploaded.  - Seller-07/10/2025

Resolved-Received evidence appraisal was provided to applicant.  Condition cleared.  - Due Diligence Vendor-07/10/2025

XXXXXXXXXX Evidence of Appraisal.pdf

XX

Primary Residence

Purchase

NA

4474800

N/A

N/A

XXXX XXXX

20250827029

XXXX

XXXX

XXXX

Closed

2025-06-17 17:44

2025-07-03 13:35

Resolved

1 - Information

Property

Value

Missing Valuation Review Product - 1

Resolved-Received AVM.  Condition cleared. - Due Diligence Vendor-07/03/2025 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-07/03/2025 Ready for Review-Document Uploaded.  - Seller-07/02/2025 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-06/17/2025

Ready for Review-Document Uploaded.  - Seller-07/02/2025

Resolved-Received AVM.  Condition cleared. - Due Diligence Vendor-07/03/2025  Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-07/03/2025

XXXXXXXXXX HVE.pdf

XX

Primary Residence

Purchase

NA

4475228

N/A

N/A

XXXX XXXX

20250827029

XXXX

XXXX

XXXX

Closed

2025-07-03 13:34

2025-07-03 13:34

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-07/03/2025

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-07/03/2025

XX

Primary Residence

Purchase

NA

4649132

Investor Post-Close

No

XXXX XXXX

20250827034

XXXX

XXXX

XXXX

Closed

2025-06-20 20:36

2025-07-25 13:32

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Received final title policy.  Condition cleared. - Due Diligence Vendor-07/25/2025 Resolved-Title Document is not Missing - Due Diligence Vendor-07/25/2025 Ready for Review-Document Uploaded.  - Seller-07/24/2025 Open-Title Document is missing - Due Diligence Vendor-06/20/2025

Ready for Review-Document Uploaded.  - Seller-07/24/2025

Resolved-Received final title policy.  Condition cleared. - Due Diligence Vendor-07/25/2025  Resolved-Title Document is not Missing - Due Diligence Vendor-07/25/2025

XXXXXXXXXX Title Policy.pdf

XX

Primary Residence

Purchase

NA

4517918

N/A

N/A

XXXX XXXX

20250827034

XXXX

XXXX

XXXX

Closed

2025-06-25 18:25

2025-07-10 14:29

Resolved

1 - Information

Compliance

Disclosure

ECOA: Appraisal Not Provided to Applicant

Resolved-Received evidence appraisal was provided to applicant.  Condition cleared.  - Due Diligence Vendor-07/10/2025 Ready for Review-Document Uploaded.  - Seller-07/10/2025 Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-06/25/2025

Ready for Review-Document Uploaded.  - Seller-07/10/2025

Resolved-Received evidence appraisal was provided to applicant.  Condition cleared.  - Due Diligence Vendor-07/10/2025

XXXXXXXXXX Appraisal by Mail.pdf

XX

Primary Residence

Purchase

NA

4560868

N/A

N/A

XXXX XXXX

20250827042

XXXX

XXXX

XXXX

Closed

2025-06-17 18:23

2025-07-24 12:22

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Received final title policy.  Condition cleared.  - Due Diligence Vendor-07/24/2025 Resolved-Title Document is not Missing - Due Diligence Vendor-07/24/2025 Ready for Review-Document Uploaded.  - Seller-07/23/2025 Open-Title Document is missing - Due Diligence Vendor-06/17/2025

Ready for Review-Document Uploaded.  - Seller-07/23/2025

Resolved-Received final title policy.  Condition cleared.  - Due Diligence Vendor-07/24/2025  Resolved-Title Document is not Missing - Due Diligence Vendor-07/24/2025

XXXXXXXXXX Title Policy.pdf

XX

Primary Residence

Purchase

NA

4476031

N/A

N/A

XXXX XXXX

20250827042

XXXX

XXXX

XXXX

Closed

2025-06-17 18:37

2025-07-11 15:20

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Received final Settlement Statement reflecting disbursement date matching HOI effective date.  Condition cleared.   - Due Diligence Vendor-07/11/2025 Ready for Review-Document Uploaded.  - Seller-07/10/2025 Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX - Due Diligence Vendor-06/17/2025

Ready for Review-Document Uploaded.  - Seller-07/10/2025

Resolved-Received final Settlement Statement reflecting disbursement date matching HOI effective date.  Condition cleared.   - Due Diligence Vendor-07/11/2025

XXXXXX XXXXXXXXXX HOI response.pdf

XX

Primary Residence

Purchase

NA

4476305

N/A

N/A

XXXX XXXX

20250827042

XXXX

XXXX

XXXX

Closed

2025-06-17 18:52

2025-07-11 15:15

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Homeownership Counseling Disclosure Delivery

Resolved-Received disclosure dated within 3 days of application.  Condition cleared.  - Due Diligence Vendor-07/11/2025 Resolved-Resolved - Due Diligence Vendor-07/11/2025 Ready for Review-Document Uploaded.  - Seller-07/10/2025 Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) No comment is required.  - Due Diligence Vendor-06/17/2025

Ready for Review-Document Uploaded.  - Seller-07/10/2025

Resolved-Received disclosure dated within 3 days of application.  Condition cleared.  - Due Diligence Vendor-07/11/2025  Resolved-Resolved - Due Diligence Vendor-07/11/2025

XXXXXX XXXXXXXXXX Initial loan docs.pdf

XX

Primary Residence

Purchase

NA

4476579

N/A

N/A

XXXX XXXX

20250827042

XXXX

XXXX

XXXX

Closed

2025-06-17 18:52

2025-07-11 15:15

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application

Resolved-Received initial LE dated within 3 days of application.  Condition cleared.  - Due Diligence Vendor-07/11/2025 Resolved-Resolved - Due Diligence Vendor-07/11/2025 Ready for Review-Document Uploaded.  - Seller-07/10/2025 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The initial Loan Estimate is dated XX/XX/XXXX and the application date is XX/XX/XXXX. No Cure. - Due Diligence Vendor-06/17/2025

Ready for Review-Document Uploaded.  - Seller-07/10/2025

Resolved-Received initial LE dated within 3 days of application.  Condition cleared.  - Due Diligence Vendor-07/11/2025  Resolved-Resolved - Due Diligence Vendor-07/11/2025

XXXXXX XXXXXXXXXX Initial loan docs.pdf

XX

Primary Residence

Purchase

NA

4476580

N/A

N/A

XXXX XXXX

20250827038

XXXX

XXXX

XXXX

Closed

2025-06-23 12:40

2025-07-24 12:38

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Received final title policy which opened a new finding regarding the effective date.  This condition is cleared.  - Due Diligence Vendor-07/24/2025 Resolved-Title Document is not Missing - Due Diligence Vendor-07/24/2025 Ready for Review-Document Uploaded.  - Seller-07/23/2025 Open-Title Document is missing - Due Diligence Vendor-06/23/2025

Ready for Review-Document Uploaded.  - Seller-07/23/2025

Resolved-Received final title policy which opened a new finding regarding the effective date.  This condition is cleared.  - Due Diligence Vendor-07/24/2025  Resolved-Title Document is not Missing - Due Diligence Vendor-07/24/2025

XXXXXXXXXX Title Policy.pdf

XX

Primary Residence

Purchase

NA

4524865

N/A

N/A

XXXX XXXX

20250827038

XXXX

XXXX

XXXX

Closed

2025-06-25 20:34

2025-07-18 14:19

Resolved

1 - Information

Credit

Assets

Audited Reserves are less than Guideline Required Reserves (Dollar Amount)

Resolved-Upon further review, agree no reserves are required for the REO properties.  Sufficient assets verified.  Condition cleared.  - Due Diligence Vendor-07/18/2025 Open-Audited Assets of $XX,XXX.XX are less than Guideline Required Assets of $XX,XXX.XX. - Due Diligence Vendor-06/25/2025

Resolved-Upon further review, agree no reserves are required for the REO properties.  Sufficient assets verified.  Condition cleared.  - Due Diligence Vendor-07/18/2025

XX

Primary Residence

Purchase

NA

4563085

N/A

N/A

XXXX XXXX

20250827038

XXXX

XXXX

XXXX

Closed

2025-06-25 20:30

2025-07-18 14:19

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Upon further review, agree no reserves are required for the REO properties.  Sufficient assets verified.  Condition cleared.  - Due Diligence Vendor-07/18/2025 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-07/18/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements   - Due Diligence Vendor-07/11/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Total Qualified Assets for Reserves Post-Close of $XX,XXX.XX is less than Total Required Reserve Amount of $XX,XXX.XX - Due Diligence Vendor-06/25/2025

Resolved-Upon further review, agree no reserves are required for the REO properties.  Sufficient assets verified.  Condition cleared.  - Due Diligence Vendor-07/18/2025  Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-07/18/2025

XX

Primary Residence

Purchase

NA

4563055

N/A

N/A

XXXX XXXX

20250827038

XXXX

XXXX

XXXX

Closed

2025-06-25 20:30

2025-07-18 14:18

Resolved

1 - Information

Credit

Assets

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

Resolved-Upon further review, agree no reserves are required for the REO properties.  Sufficient assets verified.  Condition cleared.  - Due Diligence Vendor-07/18/2025 Resolved-Total Qualified Assets for Reserves Post-Close of $XX,XXX.XX is equal to or greater than Total Required Reserve Amount of $XX,XXX.XX - Due Diligence Vendor-07/18/2025 Ready for Review-Document Uploaded. Starting Fresh!  Our guidelines state that when the aggregate UPB is less than $1 million we follow the applicable Agency Guidelines.  So, I referenced FHLMC 5501.2 in my original response.  However, I failed to notice that the chart outlining required reserves applies only for Second Homes and Investment properties.  In that case, the only required reserves are Subject PITI $XX,XXX.XX x 3 = $XX,XXX.XX.   - Seller-07/17/2025 Counter-Due to REO outstanding UPB being less than $1M, REO reserve requirement was corrected from 6 months to 2 months.  Reserve shortage is $XX,XXX.XX.  Required reserves was calculated at 3 months for the subject ($XX,XXX.XX x 3 = $XX,XXX.XX) and 2 months for REO monthly payments ($XX,XXX.XX x 2 = $XX,XXX.XX) for total required reserves of $XX,XXX.XX. Total verified assets are $XX,XXX.XX.  Cash required at closing was $XX,XXX.XX which leaves $XX,XXX.XX available for reserves (Note:  Gift funds used for earnest money deposit.)  Available reserves of $XX,XXX.XX less required reserves of $XX,XXX.XX = shortage of $XX,XXX.XX.  Condition remains.  - Due Diligence Vendor-07/11/2025 Ready for Review- - Due Diligence Vendor-07/11/2025 Open-Total Qualified Assets for Reserves Post-Close of $XX,XXX.XX is less than Total Required Reserve Amount of $XX,XXX.XX   - Due Diligence Vendor-07/11/2025 Ready for Review-Document Uploaded. I calculated required reserves of $XX,XXX.XX (see attached).  Please let me know how you calculated $XX,XXX.XX.  Thanks! - Seller-07/10/2025 Open-Total Qualified Assets for Reserves Post-Close of $XX,XXX.XX is less than Total Required Reserve Amount of $XX,XXX.XX - Due Diligence Vendor-06/25/2025

Ready for Review-Document Uploaded. Starting Fresh!  Our guidelines state that when the aggregate UPB is less than $X million we follow the applicable Agency Guidelines.  So, I referenced FHLMC 5501.2 in my original response.  However, I failed to notice that the chart outlining required reserves applies only for Second Homes and Investment properties.  In that case, the only required reserves are Subject PITI $XXXX.XX x 3 = $XX,XXX.XX.   - Seller-07/17/2025  Ready for Review-Document Uploaded. I calculated required reserves of $XX,XXX.XX (see attached).  Please let me know how you calculated $XX,XXX.XX.  Thanks! - Seller-07/10/2025

Resolved-Upon further review, agree no reserves are required for the REO properties.  Sufficient assets verified.  Condition cleared.  - Due Diligence Vendor-07/18/2025  Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXX.XX is equal to or greater than Total Required Reserve Amount of $XXXXX.XX - Due Diligence Vendor-07/18/2025

AUS Jumbo Product Profile.pdf Guide Section 5501.pdf FHLMC 5501.2.pdf

XX

Primary Residence

Purchase

NA

4563054

N/A

N/A

XXXX XXXX

20250827038

XXXX

XXXX

XXXX

Closed

2025-06-26 12:27

2025-07-09 18:14

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Employment validation/verification standards do not meet requirements

Resolved-Lender provided processor cert confirming date of VVOE to be 5/28/2025.  Condition Resolved. - Due Diligence Vendor-07/09/2025 Ready for Review-Document Uploaded. Typo by the processor  - Seller-07/09/2025 Counter-VVOE is expired as it is dated 2024.  Condition remains.   - Due Diligence Vendor-07/03/2025 Ready for Review-Document Uploaded.  - Seller-07/02/2025 Open-ATR Risk - Employment validation/verification standards do not meet requirements Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-06/26/2025

Ready for Review-Document Uploaded. Typo by the processor  - Seller-07/09/2025  Ready for Review-Document Uploaded.  - Seller-07/02/2025

Resolved-Lender provided processor cert confirming date of VVOE to be XX/XX/XXXX.  Condition Resolved. - Due Diligence Vendor-07/09/2025

W Verbal- XXXXXXXXXX.pdf XXXXXXXX Mail - XXXXXXXXXX - JUMBO VOE with XXXX Dates.pdf

XX

Primary Residence

Purchase

NA

4568278

N/A

N/A

XXXX XXXX

20250827038

XXXX

XXXX

XXXX

Closed

2025-06-23 14:41

2025-07-09 18:13

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 3rd Party VOE Prior to Close Missing

Resolved-Lender provided processor cert confirming date of VVOE to be 5/28/2025.  Condition Resolved. - Due Diligence Vendor-07/09/2025 Ready for Review-Document Uploaded. Typo by the processor  - Seller-07/09/2025 Counter- - Due Diligence Vendor-07/03/2025 Ready for Review-Document Uploaded.  - Seller-07/02/2025 Open-Borrower 2 3rd Party VOE Prior to Close Missing  - Due Diligence Vendor-06/23/2025

VVOE is expired as it is dated XXXX.  Condition remains.   - 07/03/2025 Ready for Review-Document Uploaded. Typo by the processor  - Seller-07/09/2025  Ready for Review-Document Uploaded.  - Seller-07/02/2025

Resolved-Lender provided processor cert confirming date of VVOE to be XX/XX/XXXX.  Condition Resolved. - Due Diligence Vendor-07/09/2025

W Verbal- XXXXXXXXXX.pdf XXXXXXXX Mail - XXXXXXXXXX - JUMBO VOE with XXXX Dates.pdf

XX

Primary Residence

Purchase

NA

4526646

N/A

N/A

XXXX XXXX

20250827041

XXXX

XXXX

XXXX

Closed

2025-06-23 21:44

2025-07-24 12:18

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Received final title policy.  Condition cleared.  - Due Diligence Vendor-07/24/2025 Resolved-Title Document is not Missing - Due Diligence Vendor-07/24/2025 Ready for Review-Document Uploaded.  - Seller-07/23/2025 Open-Title Document is missing Required Subject Property Title. - Due Diligence Vendor-06/24/2025

Ready for Review-Document Uploaded.  - Seller-07/23/2025

Resolved-Received final title policy.  Condition cleared.  - Due Diligence Vendor-07/24/2025  Resolved-Title Document is not Missing - Due Diligence Vendor-07/24/2025

XXXXXXXXXX Title Policy.pdf

XX

Primary Residence

Purchase

NA

4534629

N/A

N/A

XXXX XXXX

20250827014

XXXX

XXXX

XXXX

Closed

2025-06-24 16:34

2025-07-25 16:12

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Title Document received.  Condition Resolved. - Due Diligence Vendor-07/25/2025 Ready for Review-Document Uploaded.  - Seller-07/24/2025 Open-Title Document is missing - Due Diligence Vendor-06/24/2025

Ready for Review-Document Uploaded.  - Seller-07/24/2025

Resolved-Title Document received.  Condition Resolved. - Due Diligence Vendor-07/25/2025

XXXXXXXXXX Title Policy.pdf

XX

Primary Residence

Purchase

NA

4543861

N/A

N/A

XXXX XXXX

20250827054

XXXX

XXXX

XXXX

Closed

2025-06-23 13:33

2025-07-30 16:49

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Final Title received.  Condition Resolved. - Due Diligence Vendor-07/30/2025 Ready for Review-Document Uploaded.  - Seller-07/30/2025 Counter-Lender provided the Preliminary Report with no evidence of title coverage.  Please provide the title commitment or final title policy.  Condition remains.   - Due Diligence Vendor-07/25/2025 Ready for Review-Document Uploaded.  - Seller-07/24/2025 Open-Title Document is missing - Due Diligence Vendor-06/23/2025

Ready for Review-Document Uploaded.  - Seller-07/30/2025  Ready for Review-Document Uploaded.  - Seller-07/24/2025

Resolved-Final Title received.  Condition Resolved. - Due Diligence Vendor-07/30/2025

XXXXXXXXXXTitle Commitment.pdf XXXXXXXXXX - Title Policy.pdf

XX

Primary Residence

Purchase

NA

4525541

N/A

N/A

XXXX XXXX

20250827023

XXXX

XXXX

XXXX

Closed

2025-06-24 12:51

2025-07-23 19:10

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Title Document received.  Condition resolved. - Due Diligence Vendor-07/23/2025 Open-Title Document is missing - Due Diligence Vendor-06/24/2025

Resolved-Title Document received.  Condition resolved. - Due Diligence Vendor-07/23/2025

XXXXXXXXXX - Lender's Title Policy.pdf XXXXXXXXXX - Owner's Title Policy.pdf

XX

Primary Residence

Purchase

NA

4539314

N/A

N/A

XXXX XXXX

20250827023

XXXX

XXXX

XXXX

Closed

2025-06-25 21:18

2025-06-26 12:33

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/26/2025

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/26/2025

XX

Primary Residence

Purchase

NA

4563636

Investor Post-Close

No

XXXX XXXX

20250827023

XXXX

XXXX

XXXX

Closed

2025-06-24 15:27

2025-06-24 15:28

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-06/24/2025

Acknowledged-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-06/24/2025

XX

Primary Residence

Purchase

NA

4542587

Investor Post-Close

No

XXXX XXXX

20250827028

XXXX

XXXX

XXXX

Closed

2025-06-26 19:34

2025-08-09 16:35

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/09/2025 Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-06/30/2025 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/26/2025

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/09/2025  Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-06/30/2025

XX

Primary Residence

Purchase

NA

4576892

Investor Post-Close

No

XXXX XXXX

20250827028

XXXX

XXXX

XXXX

Closed

2025-06-24 16:46

2025-07-24 12:10

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Received final title policy.  Condition cleared.   - Due Diligence Vendor-07/24/2025 Resolved-Title Document is not Missing - Due Diligence Vendor-07/24/2025 Ready for Review-Document Uploaded.  - Seller-07/23/2025 Open-Title Document is missing - Due Diligence Vendor-06/24/2025

Ready for Review-Document Uploaded.  - Seller-07/23/2025

Resolved-Received final title policy.  Condition cleared.   - Due Diligence Vendor-07/24/2025  Resolved-Title Document is not Missing - Due Diligence Vendor-07/24/2025

XXXXXXXXXX Title Policy.pdf

XX

Primary Residence

Purchase

NA

4544014

N/A

N/A

XXXX XXXX

20250827028

XXXX

XXXX

XXXX

Closed

2025-06-24 15:26

2025-07-11 15:01

Resolved

1 - Information

Credit

Eligibility

Audited Loan Amount is less than Guideline Minimum Loan Amount

Resolved-Confirmed high balance loan.  Condition cleared.   - Due Diligence Vendor-07/11/2025 Ready for Review-This appears to be a High Balance loan and not a Jumbo loan. In Los Angeles County California the conforming loan limit is $XXXXXX.XX. The loan is approved through DU. - Seller-07/10/2025 Open-Audited Loan Amount of $XXXXXX.XX is less than the Guideline Minimum Loan Amount of $1209751 - Due Diligence Vendor-06/24/2025

Ready for Review-This appears to be a High Balance loan and not a Jumbo loan. In XXX XXXXXXX XXXXXX XXXXXXXXXX the conforming loan limit is $X,XXX,XXX.XX. The loan is approved through DU. - Seller-07/10/2025

Resolved-Confirmed high balance loan.  Condition cleared.   - Due Diligence Vendor-07/11/2025

XX

Primary Residence

Purchase

NA

4542569

N/A

N/A

XXXX XXXX

20250827095

XXXX

XXXX

XXXX

Closed

2025-07-22 16:56

2025-08-01 14:20

Cured

2 - Non-Material

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Cured-Lender provided PCCD with evidence of $XX cure. Condition cured.   - Due Diligence Vendor-08/01/2025 Resolved-Resolved - Due Diligence Vendor-08/01/2025 Ready for Review-Principal reduction applied - Seller-07/31/2025 Ready for Review-Document Uploaded.  - Seller-07/31/2025 Open-Finding added after receipt of final CD. Appraisal increased from $XXX to $XXX with no valid COC.  The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-07/22/2025 Open- - Due Diligence Vendor-07/22/2025 Open- - Due Diligence Vendor-07/22/2025 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)).   - Due Diligence Vendor-07/22/2025 Open- - Due Diligence Vendor-07/22/2025

Ready for Review-Principal reduction applied - Seller-07/31/2025  Ready for Review-Document Uploaded.  - Seller-07/31/2025

Cured-Lender provided PCCD with evidence of $XX cure. Condition cured.   - Due Diligence Vendor-08/01/2025  Resolved-Resolved - Due Diligence Vendor-08/01/2025

XXXX XXXXXXXXXX cure.pdf

XX

Primary Residence

Purchase

NA

4906045

N/A

N/A

XXXX XXXX

20250827095

XXXX

XXXX

XXXX

Closed

2025-07-22 16:56

2025-08-01 14:20

Cured

2 - Non-Material

Compliance

TRID Tolerance

Charges That Cannot Increase Test (50001251)

Cured-Lender provided PCCD with evidence of $XX cure. Condition cured.  - Due Diligence Vendor-08/01/2025 Resolved-Resolved - Due Diligence Vendor-08/01/2025 Ready for Review-Principal reduction applied - Seller-07/31/2025 Ready for Review-Document Uploaded.  - Seller-07/31/2025 Open-Condition added after receipt of Final CD.  The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). - Due Diligence Vendor-07/22/2025 Open- - Due Diligence Vendor-07/22/2025 Open- - Due Diligence Vendor-07/22/2025 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)).   - Due Diligence Vendor-07/22/2025 Open- - Due Diligence Vendor-07/22/2025

Ready for Review-Principal reduction applied - Seller-07/31/2025  Ready for Review-Document Uploaded.  - Seller-07/31/2025

Cured-Lender provided PCCD with evidence of $XX cure. Condition cured.  - Due Diligence Vendor-08/01/2025  Resolved-Resolved - Due Diligence Vendor-08/01/2025

XXXXXXXXXX XXXXXXXXXX cure.pdf

XX

Primary Residence

Purchase

NA

4906044

N/A

N/A

XXXX XXXX

20250827095

XXXX

XXXX

XXXX

Closed

2025-06-25 14:23

2025-07-22 17:25

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Received final CD.  Added new finding due to increase in appraisal fee with no valid COC.  This condition is cleared.  - Due Diligence Vendor-07/22/2025 Ready for Review-Document Uploaded.  - Seller-07/21/2025 Open-TRID: Missing Final Closing Disclosure Missing Final Closing Disclosure, compliance to be reviewed upon receipt. Additional conditions may apply.   - Due Diligence Vendor-07/09/2025

Ready for Review-Document Uploaded.  - Seller-07/21/2025

Resolved-Received final CD.  Added new finding due to increase in appraisal fee with no valid COC.  This condition is cleared.  - Due Diligence Vendor-07/22/2025

XXXXXXXXXX_CDBUYS_XXXXXXXXXX.pdf

XX

Primary Residence

Purchase

NA

4555170

N/A

N/A

XXXX XXXX

20250827083

XXXX

XXXX

XXXX

Closed

2025-07-21 13:21

2025-07-25 16:33

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Received title commitment.  Condition cleared. - Due Diligence Vendor-07/25/2025 Resolved-Title Document is not Missing - Due Diligence Vendor-07/25/2025 Ready for Review-Document Uploaded.  - Seller-07/24/2025 Open-Title Document is missing - Due Diligence Vendor-07/21/2025

Ready for Review-Document Uploaded.  - Seller-07/24/2025

Resolved-Received title commitment.  Condition cleared. - Due Diligence Vendor-07/25/2025  Resolved-Title Document is not Missing - Due Diligence Vendor-07/25/2025

XXXXXXXXXX Title Commitment.pdf

XX

Primary Residence

Purchase

NA

4884469

N/A

N/A

XXXX XXXX

20250827105

XXXX

XXXX

XXXX

Closed

2025-06-30 19:35

2025-08-09 16:36

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/09/2025 Acknowledged-Acknowledged by Client. - Due Diligence Vendor-07/02/2025 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/30/2025

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/09/2025  Acknowledged-Acknowledged by Client. - Due Diligence Vendor-07/02/2025

XX

Primary Residence

Purchase

NA

4607071

Investor Post-Close

No

XXXX XXXX

20250827105

XXXX

XXXX

XXXX

Closed

2025-06-26 16:52

2025-07-25 12:51

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Received title commitment.  Condition cleared. - Due Diligence Vendor-07/25/2025 Resolved-Title Document is not Missing - Due Diligence Vendor-07/25/2025 Ready for Review-Document Uploaded.  - Seller-07/24/2025 Open-Title Document is missing - Due Diligence Vendor-06/26/2025

Ready for Review-Document Uploaded.  - Seller-07/24/2025

Resolved-Received title commitment.  Condition cleared. - Due Diligence Vendor-07/25/2025  Resolved-Title Document is not Missing - Due Diligence Vendor-07/25/2025

XXXXXXXXXX Title Commitment.pdf

XX

Primary Residence

Purchase

NA

4573849

N/A

N/A

XXXX XXXX

20250827105

XXXX

XXXX

XXXX

Closed

2025-06-26 15:34

2025-07-17 17:49

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Lender provided a PCCD with a disbursement date of XX/XX/XXXX and a statement of no insurance claims.  Condition cleared  - Due Diligence Vendor-07/17/2025 Ready for Review-Document Uploaded.  - Seller-07/16/2025 Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX - Due Diligence Vendor-06/26/2025

Ready for Review-Document Uploaded.  - Seller-07/16/2025

Resolved-Lender provided a PCCD with a disbursement date of XX/XX/XXXX and a statement of no insurance claims.  Condition cleared  - Due Diligence Vendor-07/17/2025

XXXXXXXXXXX XXXXXXXXXX HOI response.pdf

XX

Primary Residence

Purchase

NA

4572336

N/A

N/A

XXXX XXXX

20250827080

XXXX

XXXX

XXXX

Closed

2025-07-02 21:54

2025-08-09 16:36

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/09/2025 Acknowledged-Acknowledged by Client. - Due Diligence Vendor-07/02/2025 Open-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P and graded A for all other Agencies. - Due Diligence Vendor-07/02/2025

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/09/2025  Acknowledged-Acknowledged by Client. - Due Diligence Vendor-07/02/2025

XX

Primary Residence

Purchase

NA

4644333

Investor Post-Close

No

XXXX XXXX

20250827080

XXXX

XXXX

XXXX

Closed

2025-06-26 20:08

2025-07-25 16:30

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Received title commitment.  Condition cleared.   - Due Diligence Vendor-07/25/2025 Resolved-Title Document is not Missing - Due Diligence Vendor-07/25/2025 Ready for Review-Document Uploaded.  - Seller-07/24/2025 Open-Title Document is missing - Due Diligence Vendor-06/26/2025

Ready for Review-Document Uploaded.  - Seller-07/24/2025

Resolved-Received title commitment.  Condition cleared.   - Due Diligence Vendor-07/25/2025  Resolved-Title Document is not Missing - Due Diligence Vendor-07/25/2025

XXXXXXXXXX Title Commitment.pdf

XX

Primary Residence

Purchase

NA

4577483

N/A

N/A

XXXX XXXX

20250827067

XXXX

XXXX

XXXX

Closed

2025-06-26 13:47

2025-07-30 14:48

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Received final title policy.  Condition cleared.  - Due Diligence Vendor-07/24/2025 Resolved-Title Document is not Missing - Due Diligence Vendor-07/24/2025 Ready for Review-Document Uploaded.  - Seller-07/23/2025 Open-Title Document is missing - Due Diligence Vendor-06/26/2025

Ready for Review-Document Uploaded.  - Seller-07/23/2025

Resolved-Received final title policy.  Condition cleared.  - Due Diligence Vendor-07/24/2025  Resolved-Title Document is not Missing - Due Diligence Vendor-07/24/2025

XXXXXXXXXX Title Policy.pdf

XX

Primary Residence

Purchase

NA

4569445

N/A

N/A

XXXX XXXX

20250827067

XXXX

XXXX

XXXX

Closed

2025-06-26 14:28

2025-07-11 15:31

Resolved

1 - Information

Credit

Eligibility

Audited Loan Amount is less than Guideline Minimum Loan Amount

Resolved-Subject is a a conforming high balance loan.  Condition Resolved.   - Due Diligence Vendor-07/11/2025 Ready for Review-This appears to be a High Balance loan and not a Jumbo loan. In XXXXXXX XXXXXX XXXXXXXXXX the conforming loan limit is $XX,XXX.XX. The loan is approved through LPA. - Seller-07/10/2025 Open-Audited Loan Amount of $XX,XXX.XX is less than the Guideline Minimum Loan Amount of $XX,XXX.XX - Due Diligence Vendor-06/26/2025

Ready for Review-This appears to be a High Balance loan and not a Jumbo loan. In XXXXXXX XXXXXX XXXXXXXXXX the conforming loan limit is $X,XXX,XXX.XX. The loan is approved through LPA. - Seller-07/10/2025

Resolved-Subject is a a conforming high balance loan.  Condition Resolved.   - Due Diligence Vendor-07/11/2025

XX

Primary Residence

Purchase

NA

4570306

N/A

N/A

XXXX XXXX

20250827066

XXXX

XXXX

XXXX

Closed

2025-06-26 21:56

2025-08-09 16:37

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/09/2025 Acknowledged- - Due Diligence Vendor-07/22/2025 Open- - Due Diligence Vendor-07/22/2025 Acknowledged- - Due Diligence Vendor-07/22/2025 Open- - Due Diligence Vendor-07/22/2025 Acknowledged-Acknowledged by Investor.  - Due Diligence Vendor-07/21/2025 Rescinded-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-07/21/2025

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/09/2025  Acknowledged-Acknowledged by Investor.  - Due Diligence Vendor-07/21/2025  Rescinded-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-07/21/2025

XX

Primary Residence

Purchase

NA

4579174

Investor Post-Close

No

XXXX XXXX

20250827066

XXXX

XXXX

XXXX

Closed

2025-06-25 14:10

2025-07-24 12:40

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Received title commitment.  Condition cleared. - Due Diligence Vendor-07/24/2025 Resolved-Title Document is not Missing - Due Diligence Vendor-07/24/2025 Ready for Review-Document Uploaded.  - Seller-07/23/2025 Open-Title Document is missing - Due Diligence Vendor-06/25/2025

Ready for Review-Document Uploaded.  - Seller-07/23/2025

Resolved-Received title commitment.  Condition cleared. - Due Diligence Vendor-07/24/2025  Resolved-Title Document is not Missing - Due Diligence Vendor-07/24/2025

XXXXXXXXXX Title Commitment.pdf

XX

Primary Residence

Purchase

NA

4554937

N/A

N/A

XXXX XXXX

20250827071

XXXX

XXXX

XXXX

Closed

2025-06-26 20:45

2025-08-09 16:38

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/09/2025 Open-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/02/2025 Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-06/30/2025

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/09/2025  Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-06/30/2025

XX

Primary Residence

Purchase

NA

4578079

Investor Post-Close

No

XXXX XXXX

20250827071

XXXX

XXXX

XXXX

Closed

2025-06-25 16:31

2025-07-24 12:39

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Received commitment title policy.  Condition cleared. - Due Diligence Vendor-07/24/2025 Resolved-Title Document is not Missing - Due Diligence Vendor-07/24/2025 Ready for Review-Document Uploaded.  - Seller-07/23/2025 Open-Title Document is missing - Due Diligence Vendor-06/25/2025

Ready for Review-Document Uploaded.  - Seller-07/23/2025

Resolved-Received commitment title policy.  Condition cleared. - Due Diligence Vendor-07/24/2025  Resolved-Title Document is not Missing - Due Diligence Vendor-07/24/2025

XXXXXXXXXX Title Commitment.pdf

XX

Primary Residence

Purchase

NA

4558763

N/A

N/A

XXXX XXXX

20250827072

XXXX

XXXX

XXXX

Closed

2025-06-25 15:23

2025-07-24 23:04

Acknowledged

2 - Non-Material

Compliance

Missing Doc

ECOA: Appraisal Disclosure Missing or Incomplete

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-07/24/2025 Open-ECOA: Appraisal Disclosure Missing or Incomplete. - Due Diligence Vendor-06/25/2025

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-07/24/2025

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

4557446

Investor Post-Close

No

XXXX XXXX

20250827072

XXXX

XXXX

XXXX

Closed

2025-07-18 12:50

2025-07-23 18:06

Resolved

1 - Information

Compliance

Rescission:Disbursement

Federal - Right of Rescission (Loan Disbursement Violation) (TILA)

Resolved-Received PCCD with revised disbursement date.  Condition cleared.  - Due Diligence Vendor-07/23/2025 Resolved- - Due Diligence Vendor-07/23/2025 Resolved- - Due Diligence Vendor-07/23/2025 Ready for Review-Document Uploaded.  - Seller-07/23/2025 Open-This finding was opened due to having received 8 LE/CDs in trailing documents.  Initial loan file didn't contain sufficient documentation to be able to run compliance.  The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX).   Lender's Mavent report reflects a disbursement date of XX/XX/XXXX, however, the final CD provided is dated XX/XX/XXXX and reflects a disbursement date of XX/XX/XXXX.   - Due Diligence Vendor-07/18/2025 Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary)   - Due Diligence Vendor-07/18/2025

Ready for Review-Document Uploaded.  - Seller-07/23/2025

Resolved-Received PCCD with revised disbursement date.  Condition cleared.  - Due Diligence Vendor-07/23/2025  Resolved-  - Due Diligence Vendor-07/23/2025

Closing Disclosure.pdf Final Refinance Statement.pdf

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

4865035

N/A

N/A

XXXX XXXX

20250827072

XXXX

XXXX

XXXX

Closed

2025-06-25 15:23

2025-07-18 13:02

Resolved

1 - Information

Compliance

Missing Doc

Homeownership Counseling Organizations Disclosure Missing or Incomplete

Resolved-Received the Homeownership Disclosure in the Initial Doc pdf provided under the Loan Estimate finding.  Condition cleared.   - Due Diligence Vendor-07/18/2025 Open-Homeownership Counseling Organizations Disclosure Missing or Incomplete - Due Diligence Vendor-06/25/2025

Resolved-Received the Homeownership Disclosure in the Initial Doc pdf provided under the Loan Estimate finding.  Condition cleared.   - Due Diligence Vendor-07/18/2025

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

4557444

N/A

N/A

XXXX XXXX

20250827072

XXXX

XXXX

XXXX

Closed

2025-06-25 16:31

2025-07-18 13:00

Resolved

1 - Information

Compliance

Missing Doc

Loan Estimate disclosure is missing or incomplete

Resolved-Received 8 LE/CDs.  Condition cleared.   - Due Diligence Vendor-07/18/2025 Ready for Review-Document Uploaded. Multiple redisclosures occured. Provide more detail in the initial exception going forward to avoid any further delays.  - Seller-07/17/2025 Counter-Received LE dated XX/XX/XXXX.  Provide corresponding LE/CD to correspond with the following Change of Circumstance Disclosures dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.  Additionally, please provide the Written List of Service Providers that should have been provided with the initial LE.  Compliance will be resubmitted upon receipt.  Additional conditions may apply.  Condition remains.  - Due Diligence Vendor-07/10/2025 Ready for Review-Document Uploaded.  - Seller-07/10/2025 Open-Loan Estimate disclosure is missing or incomplete Initial loan estimate not provided. Compliance will be re-reviewed upon receipt of initial Loan estimate. - Due Diligence Vendor-06/25/2025

Ready for Review-Document Uploaded. Multiple redisclosures occured. Provide more detail in the initial exception going forward to avoid any further delays.  - Seller-07/17/2025  Ready for Review-Document Uploaded.  - Seller-07/10/2025

Resolved-Received 8 LE/CDs.  Condition cleared.   - Due Diligence Vendor-07/18/2025

XXXXXXXXXX Loan Estimate (XXXXXXX XXX XXXXXX XX).pdf XXXXXXXXXX Acknowledgment of Receipt of Loan Estimate.pdf XXXXXXXXXX Intial Docs.pdf

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

4558766

N/A

N/A

XXXX XXXX

20250827072

XXXX

XXXX

XXXX

Closed

2025-06-25 16:33

2025-07-10 19:02

Resolved

1 - Information

Credit

Missing Doc

Evidence of Property Tax Missing

Resolved-Received evidence of property taxes for REO1.  Condition cleared.   - Due Diligence Vendor-07/10/2025 Ready for Review-Document Uploaded.  - Seller-07/10/2025 Open-Tax document is missing for REO #1. - Due Diligence Vendor-06/25/2025

Ready for Review-Document Uploaded.  - Seller-07/10/2025

Resolved-Received evidence of property taxes for REO1.  Condition cleared.   - Due Diligence Vendor-07/10/2025

XXXXX XXX XXXX RealQuest.pdf

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

4558806

N/A

N/A

XXXX XXXX

20250827072

XXXX

XXXX

XXXX

Closed

2025-06-25 15:23

2025-07-10 18:52

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation on TRID loan is missing for borrower(s)

Resolved-Received evidence of e-consent.  Condition cleared.   - Due Diligence Vendor-07/10/2025 Ready for Review-Document Uploaded.  - Seller-07/10/2025 Open-E-Consent documentation on TRID loan is missing for borrower(s). - Due Diligence Vendor-06/25/2025

Ready for Review-Document Uploaded.  - Seller-07/10/2025

Resolved-Received evidence of e-consent.  Condition cleared.   - Due Diligence Vendor-07/10/2025

XXXXXXXXXX eConsent tracking.pdf

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

4557445

N/A

N/A

XXXX XXXX

20250827072

XXXX

XXXX

XXXX

Closed

2025-06-27 13:46

2025-07-02 20:10

Resolved

1 - Information

Property

Value

Missing Valuation Review Product - 2

Resolved-Received AVM.  Condition cleared.   - Due Diligence Vendor-07/02/2025 Ready for Review-Document Uploaded.  - Seller-07/02/2025 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-06/27/2025

Ready for Review-Document Uploaded.  - Seller-07/02/2025

Resolved-Received AVM.  Condition cleared.   - Due Diligence Vendor-07/02/2025

Home Value Estimator Tool _ XXXXXXXX TPO XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

4584263

N/A

N/A

XXXX XXXX

20250827072

XXXX

XXXX

XXXX

Closed

2025-07-02 20:09

2025-07-02 20:09

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-07/02/2025

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-07/02/2025

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

4642952

Investor Post-Close

No

XXXX XXXX

20250827093

XXXX

XXXX

XXXX

Closed

2025-06-27 12:19

2025-07-25 15:22

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Received sufficient documentation for gambling winnings.  Condition cleared.  - Due Diligence Vendor-07/25/2025 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-07/25/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-06/27/2025

Resolved-Received sufficient documentation for gambling winnings.  Condition cleared.  - Due Diligence Vendor-07/25/2025  Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-07/25/2025

XX

Primary Residence

Purchase

NA

4583164

N/A

N/A

XXXX XXXX

20250827093

XXXX

XXXX

XXXX

Closed

2025-06-27 12:19

2025-07-25 15:22

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Received sufficient documentation for gambling winnings.  Condition cleared.  - Due Diligence Vendor-07/25/2025 Ready for Review-Document Uploaded. I utilized XXXX about gambling winnings.  Lenders are required to obtain documentation "of the stable and recurring nature of the income and the likelihood of continuance."  I feel that we've met that requirement by providing the letters confirming his win and payout schedule.  I've attached the XXXX payout check...I don't believe the XXXX check would add value.   XXXX does not indicate the need to document each payout individually.  - Seller-07/24/2025 Counter-Please provide evidence of the initial (XXXX) and 2nd (XXXX) payouts in the amount of $XX,XXX.XX each. - Due Diligence Vendor-07/21/2025 Ready for Review-Document Uploaded.  - Seller-07/18/2025 Open-Missing the Terms of the Jackpot win as noted on the Qualified Prize Option Letter  - Due Diligence Vendor-06/27/2025

Ready for Review-Document Uploaded. I utilized XXXXX  website about gambling winnings.  Lenders are required to obtain documentation "of the stable and recurring nature of the income and the likelihood of continuance."  I feel that we've met that requirement by providing the letters confirming his win and payout schedule.  I've attached the XXXX payout check...I don't believe the XXXX check would add value.  XXXX does not indicate the need to document each payout individually.  - Seller-07/24/2025  Ready for Review-Document Uploaded.  - Seller-07/18/2025

Resolved-Received sufficient documentation for gambling winnings.  Condition cleared.  - Due Diligence Vendor-07/25/2025

XXX.pdf XXXX.pdf XXXX Pay Out.pdf XXXXs.pdf

XX

Primary Residence

Purchase

NA

4583152

N/A

N/A

XXXX XXXX

20250827100

XXXX

XXXX

XXXX

Closed

2025-06-26 13:18

2025-07-30 21:10

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Toolkit Missing or Incomplete

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-07/30/2025 Open-RESPA: Toolkit Missing or Incomplete. - Due Diligence Vendor-06/26/2025

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-07/30/2025

XX

Primary Residence

Purchase

NA

4568939

Investor Post-Close

No

XXXX XXXX

20250827100

XXXX

XXXX

XXXX

Closed

2025-06-26 13:18

2025-07-30 21:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Homeownership Counseling Organizations Disclosure Missing or Incomplete

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-07/30/2025 Open-Homeownership Counseling Organizations Disclosure Missing or Incomplete - Due Diligence Vendor-06/26/2025

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-07/30/2025

XX

Primary Residence

Purchase

NA

4568936

Investor Post-Close

No

XXXX XXXX

20250827100

XXXX

XXXX

XXXX

Closed

2025-06-26 14:03

2025-07-17 16:30

Resolved

1 - Information

Property

Missing Doc

Missing Appraisal (Property)

Resolved-Received appraisal.  Condition cleared. - Due Diligence Vendor-07/17/2025 Ready for Review-Document Uploaded.  - Seller-07/16/2025 Open-Appraisal or other primary valuation product is missing - Due Diligence Vendor-06/26/2025

Ready for Review-Document Uploaded.  - Seller-07/16/2025

Resolved-Received appraisal.  Condition cleared. - Due Diligence Vendor-07/17/2025

XXXXXXXXXX Appraisal.pdf

XX

Primary Residence

Purchase

NA

4569772

N/A

N/A

XXXX XXXX

20250827100

XXXX

XXXX

XXXX

Closed

2025-06-26 12:05

2025-07-17 16:23

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Received VVOE.  Condition cleared.  - Due Diligence Vendor-07/17/2025 Ready for Review-Document Uploaded.  - Seller-07/16/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-06/26/2025

Ready for Review-Document Uploaded.  - Seller-07/16/2025

Resolved-Received VVOE.  Condition cleared.  - Due Diligence Vendor-07/17/2025

XXXXXXXXXX VOE.pdf

XX

Primary Residence

Purchase

NA

4568050

N/A

N/A

XXXX XXXX

20250827100

XXXX

XXXX

XXXX

Closed

2025-06-26 14:33

2025-07-17 16:09

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application

Resolved-Received initial LE.  Condition cleared.  - Due Diligence Vendor-07/17/2025 Resolved-Resolved - Due Diligence Vendor-07/17/2025 Ready for Review-Document Uploaded.  - Seller-07/16/2025 Open- - Due Diligence Vendor-06/26/2025 Open- - Due Diligence Vendor-06/26/2025 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) - Due Diligence Vendor-06/26/2025 Open- - Due Diligence Vendor-06/26/2025

Ready for Review-Document Uploaded.  - Seller-07/16/2025

Resolved-Received initial LE.  Condition cleared.  - Due Diligence Vendor-07/17/2025  Resolved-Resolved - Due Diligence Vendor-07/17/2025

XXXXXXXXXX LE.pdf

XX

Primary Residence

Purchase

NA

4570493

N/A

N/A

XXXX XXXX

20250827085

XXXX

XXXX

XXXX

Closed

2025-07-07 18:58

2025-07-25 16:04

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Assets revised to remove gift per rebuttal in assets condition.  Condition cleared.  - Due Diligence Vendor-07/25/2025 Counter-Lender provided evidence of 3 wires in the amount of $XX,XXX.XX, $XX,XXX.XX and $XX,XXX.XX.  Each of the wires were originated from the borrower's verified accounts.  Missing evidence of receipt of $XX,XXX.XX gift.  Condition remains.   - Due Diligence Vendor-07/18/2025 Ready for Review-Document Uploaded. Document Uploaded. Per Gift Letter - Funds were to be wired directly to escrow. - Evidence of wires were provided - Seller-07/18/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements missing gift receipt  - Due Diligence Vendor-07/07/2025

Ready for Review-Document Uploaded. Document Uploaded. Per Gift Letter - Funds were to be wired directly to escrow. - Evidence of wires were provided - Seller-07/18/2025

Resolved-Assets revised to remove gift per rebuttal in assets condition.  Condition cleared.  - Due Diligence Vendor-07/25/2025

XXXXXXXXXX Funds Wired to Escrow.pdf XXXXXXXXXX Funds Wired to Escrow3.pdf XXXXXXXXXX Gift Letter Funds Wired to Escrow.pdf XXXXXXXXXX Funds Wired to Escrow2.pdf

XX

Primary Residence

Purchase

NA

4694933

N/A

N/A

XXXX XXXX

20250827085

XXXX

XXXX

XXXX

Closed

2025-07-07 18:58

2025-07-25 16:04

Resolved

1 - Information

Credit

Assets

Asset Qualification Does Not Meet Guideline Requirements

Resolved-Assets revised to remove gift.  Condition cleared.  - Due Diligence Vendor-07/25/2025 Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-07/25/2025 Ready for Review-Document Uploaded. The file contains a gift letter from XXXX XXXXXXXX for  $XX,XXX.XX to be wired to escrow.  However, the CD, AUS and ARC do not reference a gift.  It appears the gift was no longer needed/used. - Seller-07/24/2025 Counter-Lender provided evidence of 3 wires in the amount of $XX,XXX.XX, $XX,XXX.XX and $XX,XXX.XX.  Each of the wires were originated from the borrower's verified accounts.  Missing evidence of receipt of $XX,XXX.XX gift.  Condition remains.   - Due Diligence Vendor-07/18/2025 Ready for Review-Document Uploaded. Per Gift Letter - Funds were to be wired directly to escrow. - Evidence of wires were provided  - Seller-07/18/2025 Open-Asset Qualification Does Not Meet Guideline Requirements Missing evidence of receipt of gift  - Due Diligence Vendor-07/07/2025

Ready for Review-Document Uploaded. The file contains a gift letter from XXXX XXXXXXX for  $XXXXX to be wired to escrow.  However, the CD, AUS and ARC do not reference a gift.  It appears the gift was no longer needed/used. - Seller-07/24/2025  Ready for Review-Document Uploaded. Per Gift Letter - Funds were to be wired directly to escrow. - Evidence of wires were provided  - Seller-07/18/2025

Resolved-Assets revised to remove gift.  Condition cleared.  - Due Diligence Vendor-07/25/2025  Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-07/25/2025

XXXXXXXXXX Funds Wired to Escrow.pdf XXXXXXXXXX Funds Wired to Escrow2.pdf XXXXXXXXXX Funds Wired to Escrow3.pdf XXXXXXXXXX Gift Letter Funds Wired to Escrow.pdf Asset Worksheet.pdf

XX

Primary Residence

Purchase

NA

4694932

N/A

N/A

XXXX XXXX

20250827113

XXXX

XXXX

XXXX

Closed

2025-06-29 11:18

2025-07-29 15:18

Cured

2 - Non-Material

Compliance

TRID Tolerance

Lender Credits That Cannot Decrease Test (50001261)

Cured-Received PCCD with evidence of cure.  Condition cured.   - Due Diligence Vendor-07/29/2025 Resolved- - Due Diligence Vendor-07/29/2025 Resolved- - Due Diligence Vendor-07/29/2025 Ready for Review-Document Uploaded.  - Seller-07/28/2025 Counter-The lender rebuttal indicates a $XX,XXX.XX credit was provided for the was provided "Lender-Obligated Mortgage Tax".  For purposes of the TRID Rule, lender credits include: (1) payments, such as credits, rebates, and reimbursements, that a creditor provides to a consumer to offset closing costs the consumer will pay as part of the mortgage loan transaction; and (2) premiums in the form of cash that a creditor provides to a consumer in exchange for specific acts, such as for accepting a specific interest rate, or as an incentive, such as to attract consumers away from competing creditors. A fee that is required to be paid by the lender should not be included in Lender Credits disclosed in Sec J of an LE or CD.  Condition remains.   - Due Diligence Vendor-07/22/2025 Ready for Review-Document Uploaded.  - Seller-07/19/2025 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($XX,XXX.XX). The actual total fee amount shows a credit amount of ($XX,XXX.XX). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). The Loan Estimate, dated XX/XX/XXXX reflects a general Lender Credit of $XX,XXX.XX in Section J.  Final CD dated XX/XX/XXXX reflects a general Lender Credit of $XX,XXX.XX in Section J. The loan file did not contain a valid COC to support the decrease. No evidence of a tolerance cure was provided in file. A tolerance cure of $XX,XXX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-06/30/2025 Open- - Due Diligence Vendor-07/08/2025 Open- - Due Diligence Vendor-07/08/2025 Open- - Due Diligence Vendor-06/29/2025

Ready for Review-Document Uploaded.  - Seller-07/28/2025  Ready for Review-Document Uploaded.  - Seller-07/19/2025

Cured-Received PCCD with evidence of cure.  Condition cured.   - Due Diligence Vendor-07/29/2025  Resolved- - Due Diligence Vendor-07/29/2025

From XXXXXXXXXX LC.pdf From XXXXXXXXXX.pdf

XX

Primary Residence

Purchase

NA

4596262

N/A

N/A

XXXX XXXX

20250827113

XXXX

XXXX

XXXX

Closed

2025-06-29 11:18

2025-07-29 15:18

Cured

2 - Non-Material

Compliance

TRID Tolerance

Lender Credits That Cannot Decrease Test (50001262)

Cured-Received PCCD with evidence of cure.  Condition cured.   - Due Diligence Vendor-07/29/2025 Resolved- - Due Diligence Vendor-07/29/2025 Resolved- - Due Diligence Vendor-07/29/2025 Ready for Review-Document Uploaded.  - Seller-07/28/2025 Counter-The lender rebuttal indicates a $XX,XXX.XX credit was provided for the was provided "Lender-Obligated Mortgage Tax".  For purposes of the TRID Rule, lender credits include: (1) payments, such as credits, rebates, and reimbursements, that a creditor provides to a consumer to offset closing costs the consumer will pay as part of the mortgage loan transaction; and (2) premiums in the form of cash that a creditor provides to a consumer in exchange for specific acts, such as for accepting a specific interest rate, or as an incentive, such as to attract consumers away from competing creditors. A fee that is required to be paid by the lender should not be included in Lender Credits disclosed in Sec J of an LE or CD.  Condition remains.   - Due Diligence Vendor-07/22/2025 Ready for Review-Document Uploaded.  - Seller-07/19/2025 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XX,XXX.XX). The Last CD shows a total lender credit amount of ($XX,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). The Loan Estimate, dated XX/XX/XXXX reflects a general Lender Credit of $XX,XXX.XX in Section J.  Final CD dated XX/XX/XXXX reflects a general Lender Credit of $XX,XXX.XX in Section J. The loan file did not contain a valid COC to support the decrease. No evidence of a tolerance cure was provided in file. A tolerance cure of $XX,XXX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-06/30/2025 Open- - Due Diligence Vendor-07/08/2025 Open- - Due Diligence Vendor-07/08/2025 Open- - Due Diligence Vendor-06/29/2025

Ready for Review-Document Uploaded.  - Seller-07/28/2025  Ready for Review-Document Uploaded.  - Seller-07/19/2025

Cured-Received PCCD with evidence of cure.  Condition cured.   - Due Diligence Vendor-07/29/2025  Resolved- - Due Diligence Vendor-07/29/2025

From XXXXXXXXXX LC.pdf From XXXXXXXXXX.pdf

XX

Primary Residence

Purchase

NA

4596261

N/A

N/A

XXXX XXXX

20250827113

XXXX

XXXX

XXXX

Closed

2025-06-29 11:18

2025-07-29 15:17

Resolved

1 - Information

Compliance

Mavent

License: Loan Originator

Open- - Due Diligence Vendor-07/29/2025 Resolved-NMLS Verification of updated Originator obtained.  Condition Resolved. - Due Diligence Vendor-07/21/2025 Ready for Review-Document Uploaded.  - Seller-07/19/2025 Open-The loan originator is not authorized to do business in XX as of XX/XX/XXXX. NMLS verifies not valid until XX/XX/XXXX - Due Diligence Vendor-06/30/2025 Open- - Due Diligence Vendor-07/08/2025 Open- - Due Diligence Vendor-07/08/2025 Open- - Due Diligence Vendor-06/29/2025

Ready for Review-Document Uploaded.  - Seller-07/19/2025

Resolved-NMLS Verification of updated Originator obtained.  Condition Resolved. - Due Diligence Vendor-07/21/2025

From XXXXXXXXXX NMLS.pdf

XX

Primary Residence

Purchase

NA

4596263

N/A

N/A

XXXX XXXX

20250827113

XXXX

XXXX

XXXX

Closed

2025-06-29 09:43

2025-07-25 15:26

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Received title commitment.  Condition cleared.  - Due Diligence Vendor-07/25/2025 Resolved-Title Document is not Missing - Due Diligence Vendor-07/25/2025 Ready for Review-Document Uploaded.  - Seller-07/24/2025 Open-Title Document is missing - Due Diligence Vendor-06/30/2025

Ready for Review-Document Uploaded.  - Seller-07/24/2025

Resolved-Received title commitment.  Condition cleared.  - Due Diligence Vendor-07/25/2025  Resolved-Title Document is not Missing - Due Diligence Vendor-07/25/2025

XXXXXXXXXX Title Commitment Part I.pdf XXXXXXXXXX Title Commitment Part II.pdf

XX

Primary Residence

Purchase

NA

4596202

N/A

N/A

XXXX XXXX

20250827074

XXXX

XXXX

XXXX

Closed

2025-06-30 11:42

2025-07-25 16:37

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Received title commitment.  Condition cleared. - Due Diligence Vendor-07/25/2025 Resolved-Title Document is not Missing - Due Diligence Vendor-07/25/2025 Ready for Review-Document Uploaded.  - Seller-07/24/2025 Open-Title Document is missing - Due Diligence Vendor-06/30/2025

Ready for Review-Document Uploaded.  - Seller-07/24/2025

Resolved-Received title commitment.  Condition cleared. - Due Diligence Vendor-07/25/2025  Resolved-Title Document is not Missing - Due Diligence Vendor-07/25/2025

XXXXXXXXXX Title Commitment.pdf

XX

Primary Residence

Purchase

NA

4599202

N/A

N/A

XXXX XXXX

20250827091

XXXX

XXXX

XXXX

Closed

2025-06-30 14:41

2025-07-25 15:29

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Received title commitment.  Condition cleared. - Due Diligence Vendor-07/25/2025 Resolved-Title Document is not Missing - Due Diligence Vendor-07/25/2025 Ready for Review-Document Uploaded.  - Seller-07/24/2025 Open-Title Document is missing - Due Diligence Vendor-06/30/2025

Ready for Review-Document Uploaded.  - Seller-07/24/2025

Resolved-Received title commitment.  Condition cleared. - Due Diligence Vendor-07/25/2025  Resolved-Title Document is not Missing - Due Diligence Vendor-07/25/2025

XXXXXXXXXX Title Commitment.pdf

XX

Primary Residence

Purchase

NA

4601530

N/A

N/A

XXXX XXXX

20250827091

XXXX

XXXX

XXXX

Closed

2025-06-30 18:11

2025-07-18 19:18

Resolved

1 - Information

Property

Missing Doc

Missing Homeowner's Association Questionnaire

Resolved-Lender indicated subject is a 3-unit condo.  Confirmed per AUS project review is not required.  Condition cleared.   - Due Diligence Vendor-07/18/2025 Ready for Review-Property is a Row Townhouse per the Appraisal - 3 units with no XXX - Seller-07/18/2025 Open-Missing Homeowner's Association Questionnaire. - Due Diligence Vendor-06/30/2025

Ready for Review-Property is a Row Townhouse per the Appraisal - 3 units with no XXX - Seller-07/18/2025

Resolved-Lender indicated subject is a 3-unit condo.  Confirmed per AUS project review is not required.  Condition cleared.   - Due Diligence Vendor-07/18/2025

XX

Primary Residence

Purchase

NA

4605722

N/A

N/A

XXXX XXXX

20250827116

XXXX

XXXX

XXXX

Closed

2025-07-15 20:14

2025-07-25 12:39

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Received title commitment.  Condition cleared. - Due Diligence Vendor-07/25/2025 Resolved-Title Document is not Missing - Due Diligence Vendor-07/25/2025 Ready for Review-Document Uploaded.  - Seller-07/24/2025 Open-Title Document is missing - Due Diligence Vendor-07/15/2025

Ready for Review-Document Uploaded.  - Seller-07/24/2025

Resolved-Received title commitment.  Condition cleared. - Due Diligence Vendor-07/25/2025  Resolved-Title Document is not Missing - Due Diligence Vendor-07/25/2025

XXXXXXXXXX Title Commitment.pdf

XX

Primary Residence

Purchase

NA

4827209

N/A

N/A

XXXX XXXX

20250827051

XXXX

XXXX

XXXX

Closed

2025-07-03 19:35

2025-07-07 19:58

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-07/07/2025 Open-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P only and graded A for all other Agencies. - Due Diligence Vendor-07/03/2025

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-07/07/2025

XX

Second Home

Purchase

NA

4657748

Investor Post-Close

No

XXXX XXXX

20250827053

XXXX

XXXX

XXXX

Closed

2025-06-26 18:58

2025-06-30 19:19

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged by Investor - Due Diligence Vendor-06/30/2025 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/26/2025

Acknowledged-Acknowledged by Investor - Due Diligence Vendor-06/30/2025

XX

Primary Residence

Purchase

NA

4576226

Investor Post-Close

No

XXXX XXXX

20250827063

XXXX

XXXX

XXXX

Closed

2025-06-23 15:01

2025-07-02 20:17

Resolved

1 - Information

Credit

Missing Doc

Missing Purchase Contract

Resolved-Received purchase contract.  Condition cleared. - Due Diligence Vendor-07/02/2025 Ready for Review-Document Uploaded.  - Seller-07/02/2025 Open-Missing Purchase Contract - Due Diligence Vendor-06/23/2025

Ready for Review-Document Uploaded.  - Seller-07/02/2025

Resolved-Received purchase contract.  Condition cleared. - Due Diligence Vendor-07/02/2025

XXXXXXXXXX PC.pdf XXXXXXXXXX PC2.pdf

XX

Primary Residence

Purchase

NA

4527054

N/A

N/A

XXXX XXXX

20250827032

XXXX

XXXX

XXXX

Closed

2025-06-25 14:39

2025-06-30 17:59

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-06/30/2025 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/25/2025

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-06/30/2025

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

4555768

Investor Post-Close

No

XXXX XXXX

20250827008

XXXX

XXXX

XXXX

Closed

2025-06-25 14:45

2025-06-25 14:45

Acknowledged

1 - Information

Property

Value

S&P CU/LCA score and secondary product not within tolerance

Acknowledged-S&P RA Only - CU/LCA Score and secondary product not within tolerance. Acknowledged by Investor. - Due Diligence Vendor-06/25/2025

Acknowledged-S&P RA Only - CU/LCA Score and secondary product not within tolerance. Acknowledged by Investor. - Due Diligence Vendor-06/25/2025

XX

Primary Residence

Purchase

NA

4555891

Investor Post-Close

No

XXXX XXXX

20250827011

XXXX

XXXX

XXXX

Closed

2025-06-26 14:07

2025-07-02 20:27

Resolved

1 - Information

Compliance

Disclosure

ECOA: Appraisal Not Provided to Applicant

Resolved-Lender provided evidence appraisal provided to borrowers.  Condition cleared.  - Due Diligence Vendor-07/02/2025 Ready for Review-Document Uploaded.  - Seller-07/02/2025 Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-06/26/2025

Ready for Review-Document Uploaded.  - Seller-07/02/2025

Resolved-Lender provided evidence appraisal provided to borrowers.  Condition cleared.  - Due Diligence Vendor-07/02/2025

XXXXXXXXXX App Emailed.pdf

XX

Second Home

Purchase

NA

4569837

N/A

N/A

XXXX XXXX

20250827011

XXXX

XXXX

XXXX

Closed

2025-07-02 20:26

2025-07-02 20:26

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-07/02/2025

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-07/02/2025

XX

Second Home

Purchase

NA

4643246

Investor Post-Close

No

XXXX XXXX

20250827011

XXXX

XXXX

XXXX

Closed

2025-06-23 19:46

2025-07-02 20:26

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Received CDA.  Condition cleared. - Due Diligence Vendor-07/02/2025 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-07/02/2025 Ready for Review-Document Uploaded.  - Seller-07/02/2025 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-06/23/2025

Ready for Review-Document Uploaded.  - Seller-07/02/2025

Resolved-Received CDA.  Condition cleared. - Due Diligence Vendor-07/02/2025  Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-07/02/2025

XXXXXXXXXX CDA.pdf

XX

Second Home

Purchase

NA

4533064

N/A

N/A

XXXX XXXX

20250827036

XXXX

XXXX

XXXX

Closed

2025-06-27 19:57

2025-06-30 17:59

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-06/30/2025 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/27/2025

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-06/30/2025

XX

Primary Residence

Purchase

NA

4591293

Investor Post-Close

No

XXXX XXXX

20250827040

XXXX

XXXX

XXXX

Closed

2025-06-25 19:30

2025-06-30 17:59

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-06/30/2025 Open-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-06/25/2025

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-06/30/2025

XX

Primary Residence

Purchase

NA

4562041

Investor Post-Close

No

XXXX XXXX

20250827031

XXXX

XXXX

XXXX

Closed

2025-06-26 16:58

2025-07-03 14:43

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements

Resolved-Received joint credit report.  Condition cleared.   - Due Diligence Vendor-07/03/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing credit report for both borrowers. - Due Diligence Vendor-06/26/2025

Resolved-Received joint credit report.  Condition cleared.   - Due Diligence Vendor-07/03/2025

XX

Primary Residence

Purchase

NA

4573940

N/A

N/A

XXXX XXXX

20250827031

XXXX

XXXX

XXXX

Closed

2025-06-26 16:58

2025-07-03 14:43

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Received joint credit report.  Condition cleared.   - Due Diligence Vendor-07/03/2025 Open-ATR Risk - Credit History taken into consideration does not meet requirements Missing credit report for both borrowers. - Due Diligence Vendor-06/26/2025

Resolved-Received joint credit report.  Condition cleared.   - Due Diligence Vendor-07/03/2025

XXXXXXXXXX CR.pdf

XX

Primary Residence

Purchase

NA

4573939

N/A

N/A

XXXX XXXX

20250827031

XXXX

XXXX

XXXX

Closed

2025-06-25 11:06

2025-07-03 14:42

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Credit Report is Missing

Resolved-Received joint credit report.  Condition cleared.   - Due Diligence Vendor-07/03/2025 Ready for Review-Document Uploaded.  - Seller-07/02/2025 Open-Borrower 2 Credit Report is Missing. - Due Diligence Vendor-06/25/2025

Ready for Review-Document Uploaded.  - Seller-07/02/2025

Resolved-Received joint credit report.  Condition cleared.   - Due Diligence Vendor-07/03/2025

XXXXXXXXXX CR.pdf

XX

Primary Residence

Purchase

NA

4552498

N/A

N/A

XXXX XXXX

20250827031

XXXX

XXXX

XXXX

Closed

2025-06-25 11:06

2025-07-03 14:42

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Credit Report is Missing

Resolved-Received joint credit report.  Condition cleared.   - Due Diligence Vendor-07/03/2025 Ready for Review-Document Uploaded.  - Seller-07/02/2025 Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-06/25/2025

Ready for Review-Document Uploaded.  - Seller-07/02/2025

Resolved-Received joint credit report.  Condition cleared.   - Due Diligence Vendor-07/03/2025

XXXXXXXXXX CR.pdf

XX

Primary Residence

Purchase

NA

4552497

N/A

N/A

XXXX XXXX

20250827031

XXXX

XXXX

XXXX

Closed

2025-06-26 21:31

2025-06-30 18:00

Acknowledged

1 - Information

Property

Value

S&P CU/LCA score and secondary product not within tolerance

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-06/30/2025 Open-S&P RA Only - CU/LCA Score and secondary product not within tolerance. This finding is graded C for S&P only and A for all other agencies.   - Due Diligence Vendor-06/26/2025

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-06/30/2025

XX

Primary Residence

Purchase

NA

4578874

Investor Post-Close

No

XXXX XXXX

20250827004

XXXX

XXXX

XXXX

Closed

2025-06-26 16:10

2025-07-02 20:21

Resolved

1 - Information

Compliance

Disclosure

ECOA: Appraisal Not Provided to Applicant

Resolved-Lender provided evidence appraisal provided to borrowers.  Condition cleared.  - Due Diligence Vendor-07/02/2025 Ready for Review-Document Uploaded.  - Seller-07/02/2025 Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-06/26/2025

Ready for Review-Document Uploaded.  - Seller-07/02/2025

Resolved-Lender provided evidence appraisal provided to borrowers.  Condition cleared.  - Due Diligence Vendor-07/02/2025

XXXXXXXXXX Emailed.pdf

XX

Primary Residence

Purchase

NA

4573063

N/A

N/A

XXXX XXXX

20250827004

XXXX

XXXX

XXXX

Closed

2025-06-26 16:56

2025-06-30 17:59

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-06/30/2025 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/26/2025

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-06/30/2025

XX

Primary Residence

Purchase

NA

4573901

Investor Post-Close

No

XXXX XXXX

20250827013

XXXX

XXXX

XXXX

Closed

2025-06-27 17:01

2025-06-30 17:59

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-06/30/2025 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/27/2025

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-06/30/2025

XX

Primary Residence

Purchase

NA

4588177

Investor Post-Close

No

XXXX XXXX

20250827092

XXXX

XXXX

XXXX

Closed

2025-07-09 14:01

2025-07-09 14:02

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-07/09/2025 Open-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P only and graded A for all other agencies. - Due Diligence Vendor-07/09/2025

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-07/09/2025

XX

Primary Residence

Purchase

NA

4747483

Investor Post-Close

No

XXXX XXXX

20250827078

XXXX

XXXX

XXXX

Closed

2025-07-02 16:03

2025-07-02 21:58

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-07/02/2025 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/02/2025

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-07/02/2025

XX

Primary Residence

Purchase

NA

4633093

Investor Post-Close

No

XXXX XXXX

20250827089

XXXX

XXXX

XXXX

Closed

2025-06-30 18:37

2025-07-02 21:58

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-07/02/2025 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/30/2025

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-07/02/2025

XX

Primary Residence

Purchase

NA

4606128

Investor Post-Close

No

XXXX XXXX

20250827099

XXXX

XXXX

XXXX

Closed

2025-07-07 14:06

2025-07-07 18:06

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

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

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

XX

Primary Residence

Purchase

NA

4678513

Investor Post-Close

No

XXXX XXXX

20250827068

XXXX

XXXX

XXXX

Closed

2025-07-14 19:03

2025-07-14 19:03

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-07/14/2025

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-07/14/2025

XX

Primary Residence

Purchase

NA

4809873

Investor Post-Close

No

XXXX XXXX

20250827096

XXXX

XXXX

XXXX

Closed

2025-07-02 20:03

2025-07-02 21:58

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-07/02/2025 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/02/2025

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-07/02/2025

XX

Primary Residence

Purchase

NA

4642869

Investor Post-Close

No

XXXX XXXX

20250827077

XXXX

XXXX

XXXX

Closed

2025-07-02 21:56

2025-07-02 21:58

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-07/02/2025 Open-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P only and graded A for all other Agencies. - Due Diligence Vendor-07/02/2025

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-07/02/2025

XX

Primary Residence

Purchase

NA

4644335

Investor Post-Close

No

XXXX XXXX

20250827086

XXXX

XXXX

XXXX

Closed

2025-07-08 13:24

2025-07-08 15:35

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged by Infestor - Due Diligence Vendor-07/08/2025 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/08/2025

Acknowledged-Acknowledged by Infestor - Due Diligence Vendor-07/08/2025

XX

Primary Residence

Purchase

NA

4720842

Investor Post-Close

No

XXXX XXXX

20250827052

XXXX

XXXX

XXXX

Closed

2025-06-30 15:47

2025-07-29 15:22

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements

Resolved-Upon further review, Lender explanation for the Missing Required Documentation finding s deemed sufficient.  Condition cleared.   - Due Diligence Vendor-07/11/2025 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-07/11/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing documentation for additional debt reflected on final 1003 not reflecting on credit report  - Due Diligence Vendor-06/30/2025

Resolved-Upon further review, Lender explanation for the Missing Required Documentation finding s deemed sufficient.  Condition cleared.   - Due Diligence Vendor-07/11/2025  Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-07/11/2025

XX

Primary Residence

Purchase

NA

4603095

N/A

N/A

XXXX XXXX

20250827052

XXXX

XXXX

XXXX

Closed

2025-06-23 15:09

2025-07-11 14:42

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Upon further review, Lender explanation is deemed sufficient.  Condition cleared.   - Due Diligence Vendor-07/11/2025 Ready for Review-XXXXX Card balance $XXXX payment $XX was identified through our internal, back-end Transunion Gap Report process. When the gap process is run, we are provided with only the account name, number, balance and payment. We do not request a statement from the broker/borrower because a/we already have the details directly from Transunion and b) the borrowers qualify with the liabilities. - Seller-07/10/2025 Open-Missing documentation for additional debt reflected on final 1003 not reflecting on credit report  - Due Diligence Vendor-06/23/2025

Ready for Review-XXXXX Card balance $XXXX payment $XX was identified through our internal, back-end Transunion Gap Report process. When the gap process is run, we are provided with only the account name, number, balance and payment. We do not request a statement from the broker/borrower because a) we already have the details directly from Transunion and b) the borrowers qualify with the liabilities. - Seller-07/10/2025

Resolved-Upon further review, Lender explanation is deemed sufficient.  Condition cleared.   - Due Diligence Vendor-07/11/2025

XX

Primary Residence

Purchase

NA

4527203

N/A

N/A

XXXX XXXX

20250827044

XXXX

XXXX

XXXX

Closed

2025-06-27 18:34

2025-07-30 23:20

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-06/30/2025 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/27/2025

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-06/30/2025

XX

Primary Residence

Purchase

NA

4589800

Investor Post-Close

No

XXXX XXXX

20250827016

XXXX

XXXX

XXXX

Closed

2025-06-20 13:53

2025-07-10 14:46

Resolved

1 - Information

Compliance

Disclosure

ECOA: Appraisal Not Provided to Applicant

Resolved-Received evidence appraisal was provided to applicant.  Condition cleared.  - Due Diligence Vendor-07/10/2025 Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - Due Diligence Vendor-07/10/2025 Ready for Review-Document Uploaded.  - Seller-07/10/2025 Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-06/20/2025

Ready for Review-Document Uploaded.  - Seller-07/10/2025

Resolved-Received evidence appraisal was provided to applicant.  Condition cleared.  - Due Diligence Vendor-07/10/2025  Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - Due Diligence Vendor-07/10/2025

XXXXXXXXXX Appraisal Receipt Tracking.pdf

XX

Primary Residence

Purchase

NA

4509828

N/A

N/A

XXXX XXXX

20250827039

XXXX

XXXX

XXXX

Closed

2025-06-24 17:59

2025-07-11 16:35

Resolved

1 - Information

Compliance

Mavent

AbilityToRepay: QMPointsAndFees

Resolved-Received evidence of bona fide points.  Condition cleared.   - Due Diligence Vendor-07/11/2025 Resolved-Resolved - Due Diligence Vendor-07/11/2025 Ready for Review-Document Uploaded.  - Seller-07/10/2025 Open-The loan fees ($XX,XXX.XX) exceed the (QM) (Note Amount >=$XX,XXX.XX) fee limit, which is 3% of the Total Loan Amount ($XX,XXX.XX), the difference is ($XX,XXX.XX). (12 CFR 1026.43(e)(3). Provide rate sheet, Undiscount Rate/PAR, or some form of proof that verifies the amount the borrower paid in points directly led to a discount in rate. Compliance will be re-reviewed upon receipt. - Due Diligence Vendor-06/24/2025 Open- - Due Diligence Vendor-06/24/2025

Ready for Review-Document Uploaded.  - Seller-07/10/2025

Resolved-Received evidence of bona fide points.  Condition cleared.   - Due Diligence Vendor-07/11/2025  Resolved-Resolved - Due Diligence Vendor-07/11/2025

XXX XXXXXXXXXX Points.pdf

XX

Primary Residence

Refinance

Cash Out - Other

4545494

N/A

N/A

XXXX XXXX

20250827039

XXXX

XXXX

XXXX

Closed

2025-06-24 15:29

2025-07-10 13:47

Resolved

1 - Information

Credit

Eligibility

All Interested Parties Not Checked with Exclusionary Lists

Resolved-Received fraud report with interested parties checked.  Condition cleared.   - Due Diligence Vendor-07/10/2025 Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-07/10/2025 Ready for Review-Document Uploaded.  - Seller-07/09/2025 Open-All Interested Parties Not Checked with Exclusionary Lists - Due Diligence Vendor-06/24/2025

Ready for Review-Document Uploaded.  - Seller-07/09/2025

Resolved-Received fraud report with interested parties checked.  Condition cleared.   - Due Diligence Vendor-07/10/2025  Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-07/10/2025

DRIVE Scoring Results.pdf

XX

Primary Residence

Refinance

Cash Out - Other

4542627

N/A

N/A

XXXX XXXX

20250827039

XXXX

XXXX

XXXX

Closed

2025-06-24 15:29

2025-07-10 13:47

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Received fraud report.  Condition cleared.   - Due Diligence Vendor-07/10/2025 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-07/10/2025 Ready for Review-Document Uploaded.  - Seller-07/09/2025 Open-Missing Third Party Fraud Report All Interested Parties Not Checked with Exclusionary Lists - Due Diligence Vendor-06/24/2025

Ready for Review-Document Uploaded.  - Seller-07/09/2025

Resolved-Received fraud report.  Condition cleared.   - Due Diligence Vendor-07/10/2025  Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-07/10/2025

DRIVE Scoring Results.pdf

XX

Primary Residence

Refinance

Cash Out - Other

4542628

N/A

N/A

XXXX XXXX

20250827045

XXXX

XXXX

XXXX

Closed

2025-06-17 13:53

2025-07-10 14:43

Resolved

1 - Information

Compliance

Disclosure

ECOA: Appraisal Not Provided to Applicant

Resolved-Received evidence appraisal was provided to applicant.  Condition cleared.  - Due Diligence Vendor-07/10/2025 Ready for Review-Document Uploaded. By mail - Seller-07/10/2025 Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-06/17/2025

Ready for Review-Document Uploaded. By mail - Seller-07/10/2025

Resolved-Received evidence appraisal was provided to applicant.  Condition cleared.  - Due Diligence Vendor-07/10/2025

XXXXXXXXXX Appraisal by Mail.pdf

XX

Primary Residence

Purchase

NA

4470238

N/A

N/A

XXXX XXXX

20250827043

XXXX

XXXX

XXXX

Closed

2025-06-23 13:03

2025-07-09 18:07

Resolved

1 - Information

Compliance

Right to Rescind

TILA: Incorrect NORTC model provided - H9

Resolved-Borrowers signed H8 and H9 RTCs at closing.  Executed H-8 and H-9 in origination file.  Condition Resolved. - Due Diligence Vendor-07/09/2025 Ready for Review-Document Uploaded. Correct form signed at closing - Seller-07/09/2025 Open-TILA: Incorrect NORTC model provided - H9 New creditor refinance transactions require form H-8. Please provide a letter of explanation, Proof OF Delivery, Refund Fee Tolerance, Re-open Rescission if Applicable, and Disclose Correct Information, within 60 days of discovery (TILA 130(b)). - Due Diligence Vendor-06/23/2025

Ready for Review-Document Uploaded. Correct form signed at closing - Seller-07/09/2025

Resolved-Borrowers signed H8 and H9 RTCs at closing.  Executed H-8 and H-9 in origination file.  Condition Resolved. - Due Diligence Vendor-07/09/2025

XXXX XXXXXXXXXX NRTC.pdf

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

4525104

N/A

N/A

XXXX XXXX

20250827010

XXXX

XXXX

XXXX

Closed

2025-06-25 15:26

2025-06-30 17:59

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-06/30/2025 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/25/2025

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-06/30/2025

XX

Primary Residence

Purchase

NA

4557523

Investor Post-Close

No

XXXX XXXX

20250827025

XXXX

XXXX

XXXX

Closed

2025-06-24 11:40

2025-07-22 13:37

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Fraud Report with all Borrowers provided.  Alerts addressed by lender.  Condition Resolved. - Due Diligence Vendor-07/22/2025 Ready for Review-Document Uploaded.  - Seller-07/22/2025 Counter-B2, B3 and B4 are listed as Relatives and/Associates.  Fraud reports were not obtained/provided for B2, B3 and B4.  B2, B3 and B4 were not evaluated on the Borrower Profile Report, Employer Profile Report, MERS Report.  Please provide Fraud report for B2, B3 and B4. - Due Diligence Vendor-07/17/2025 Ready for Review-Document Uploaded. All borrowers are present - Seller-07/17/2025 Counter-B1 Fraud Report received.  Please provide Fraud report for B2, B3 and B4. - Due Diligence Vendor-07/15/2025 Ready for Review-Document Uploaded.  - Seller-07/14/2025 Open-Missing Third Party Fraud Report - Due Diligence Vendor-06/24/2025

Ready for Review-Document Uploaded.  - Seller-07/22/2025  Ready for Review-Document Uploaded. All borrowers are present - Seller-07/17/2025  Ready for Review-Document Uploaded.  - Seller-07/14/2025

Resolved-Fraud Report with all Borrowers provided.  Alerts addressed by lender.  Condition Resolved. - Due Diligence Vendor-07/22/2025

DataVerify ALL PASS.pdf XXXXXXXXXX DRIVE Report.pdf XXXXXXXXXX Drive.pdf

XX

Primary Residence

Purchase

NA

4538259

N/A

N/A

XXXX XXXX

20250827025

XXXX

XXXX

XXXX

Closed

2025-06-24 11:40

2025-07-09 13:13

Resolved

1 - Information

Credit

Eligibility

OFAC Check Not Completed and/or Cleared

Resolved-Clear OFAC for all borrowers received.  Condition Resolved. - Due Diligence Vendor-07/09/2025 Ready for Review-Document Uploaded.  - Seller-07/08/2025 Open-OFAC Check Not Completed and/or Cleared - Due Diligence Vendor-06/24/2025

Ready for Review-Document Uploaded.  - Seller-07/08/2025

Resolved-Clear OFAC for all borrowers received.  Condition Resolved. - Due Diligence Vendor-07/09/2025

OFAC B4.pdf OFAC B1.pdf OFAC B3.pdf OFAC B2.pdf

XX

Primary Residence

Purchase

NA

4538258

N/A

N/A

XXXX XXXX

20250827025

XXXX

XXXX

XXXX

Closed

2025-06-24 11:40

2025-07-09 13:12

Resolved

1 - Information

Credit

Eligibility

All Interested Parties Not Checked with Exclusionary Lists

Resolved-Evidence interested parties were checked against exclusionary lists provided.  Condition Resolved. - Due Diligence Vendor-07/09/2025 Ready for Review-Document Uploaded.  - Seller-07/08/2025 Open-All Interested Parties Not Checked with Exclusionary Lists - Due Diligence Vendor-06/24/2025

Ready for Review-Document Uploaded.  - Seller-07/08/2025

Resolved-Evidence interested parties were checked against exclusionary lists provided.  Condition Resolved. - Due Diligence Vendor-07/09/2025

SAM.gov _ Search.pdf LDP.pdf

XX

Primary Residence

Purchase

NA

4538257

N/A

N/A

XXXX XXXX

20250827025

XXXX

XXXX

XXXX

Closed

2025-06-26 20:28

2025-07-08 14:01

Resolved

1 - Information

Credit

Missing Doc

Borrower 4 Credit Report is Missing

Resolved-Borrower 4 Credit Report received.  Condition Resolved. - Due Diligence Vendor-07/08/2025 Ready for Review-Document Uploaded.  - Seller-07/08/2025 Open-Borrower 4 Credit Report is Missing. Missing Credit Report for Borrower 4 as referenced in the AUS. - Due Diligence Vendor-06/26/2025

Ready for Review-Document Uploaded.  - Seller-07/08/2025

Resolved-Borrower 4 Credit Report received.  Condition Resolved. - Due Diligence Vendor-07/08/2025

XXXXXXXXXX XXXXXX CR.pdf

XX

Primary Residence

Purchase

NA

4577799

N/A

N/A

XXXX XXXX

20250827025

XXXX

XXXX

XXXX

Closed

2025-06-26 20:28

2025-07-08 14:00

Resolved

1 - Information

Credit

Missing Doc

Borrower 3 Credit Report is Missing

Resolved-Borrower 3 Credit Report received.  Condition Resolved. - Due Diligence Vendor-07/08/2025 Ready for Review-Document Uploaded.  - Seller-07/08/2025 Open-Borrower 3 Credit Report is Missing. Missing Credit Report for Borrower 3 as referenced in the AUS. - Due Diligence Vendor-06/26/2025

Ready for Review-Document Uploaded.  - Seller-07/08/2025

Resolved-Borrower 3 Credit Report received.  Condition Resolved. - Due Diligence Vendor-07/08/2025

XXXXXXXXXX XXXXXX CR.pdf

XX

Primary Residence

Purchase

NA

4577798

N/A

N/A

XXXX XXXX

20250827035

XXXX

XXXX

XXXX

Closed

2025-06-26 13:25

2025-07-10 12:49

Resolved

1 - Information

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Resolved-Lender provided evidence of no affiliates.  Condition cleared.   - Due Diligence Vendor-07/10/2025 Resolved-RESPA: AfBA Disclosure is Provided or Not Applicable - Due Diligence Vendor-07/10/2025 Ready for Review-Document Uploaded.  - Seller-07/10/2025 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-06/26/2025

Ready for Review-Document Uploaded.  - Seller-07/10/2025

Resolved-Lender provided evidence of no affiliates.  Condition cleared.   - Due Diligence Vendor-07/10/2025  Resolved-RESPA: AfBA Disclosure is Provided or Not Applicable - Due Diligence Vendor-07/10/2025

XXXXX XXXXXXXXXX.pdf

XX

Primary Residence

Purchase

NA

4569047

N/A

N/A

XXXX XXXX

20250827035

XXXX

XXXX

XXXX

Closed

2025-06-26 13:23

2025-07-10 12:41

Resolved

1 - Information

Compliance

Disclosure

ECOA: Appraisal Not Provided to Applicant

Resolved-Lender provided evidence appraisal was provided to the applicant.  Condition cleared.   - Due Diligence Vendor-07/10/2025 Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - Due Diligence Vendor-07/10/2025 Ready for Review-Document Uploaded.  - Seller-07/10/2025 Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-06/26/2025

Ready for Review-Document Uploaded.  - Seller-07/10/2025

Resolved-Lender provided evidence appraisal was provided to the applicant.  Condition cleared.   - Due Diligence Vendor-07/10/2025  Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - Due Diligence Vendor-07/10/2025

appraisal delivery.pdf

XX

Primary Residence

Purchase

NA

4569004

N/A

N/A

XXXX XXXX

20250827012

XXXX

XXXX

XXXX

Closed

2025-07-03 13:14

2025-07-30 23:20

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-07/03/2025

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-07/03/2025

XX

Primary Residence

Purchase

NA

4648865

Investor Post-Close

No

XXXX XXXX

20250827012

XXXX

XXXX

XXXX

Closed

2025-06-16 13:33

2025-07-11 14:55

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements

Resolved-Upon further review, Lender explanation in the Required Documentation is Missing finding is deemed sufficient.  Condition cleared.   - Due Diligence Vendor-07/11/2025 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-07/11/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing documentation for Liability #5 listed on the loan application, which was not reflected on the origination credit report.  - Due Diligence Vendor-06/16/2025

Resolved-Upon further review, Lender explanation in the Required Documentation is Missing finding is deemed sufficient.  Condition cleared.   - Due Diligence Vendor-07/11/2025  Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-07/11/2025

XX

Primary Residence

Purchase

NA

4455791

N/A

N/A

XXXX XXXX

20250827012

XXXX

XXXX

XXXX

Closed

2025-06-16 13:35

2025-07-11 14:52

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Upon further review, Lender explanation is deemed sufficient.  Condition cleared.   - Due Diligence Vendor-07/11/2025 Ready for Review-Are you referring to XXX/XXXX?  This liability was identified through our internal, back-end Transunion Gap Report process. When the gap process is run, we are provided with only the account name, number, balance and payment. We do not request a statement from the broker/borrower because a) we already have the details directly from Transunion and b) the borrowers qualify with the liabilities.  - Seller-07/10/2025 Open-Missing documentation for Liability #5 listed on the loan application, which was not reflected on the origination credit report.  - Due Diligence Vendor-06/16/2025

Ready for Review-Are you referring to XXX?  This liability was identified through our internal, back-end Transunion Gap Report process. When the gap process is run, we are provided with only the account name, number, balance and payment. We do not request a statement from the broker/borrower because a) we already have the details directly from Transunion and b) the borrowers qualify with the liabilities.  - Seller-07/10/2025

Resolved-Upon further review, Lender explanation is deemed sufficient.  Condition cleared.   - Due Diligence Vendor-07/11/2025

XX

Primary Residence

Purchase

NA

4455814

N/A

N/A

XXXX XXXX

20250827012

XXXX

XXXX

XXXX

Closed

2025-06-16 13:47

2025-07-10 20:08

Cured

2 - Non-Material

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Cured-Lender provided PCCD and evidence of cure.  Condition cured.   - Due Diligence Vendor-07/10/2025 Resolved- - Due Diligence Vendor-07/10/2025 Ready for Review-Document Uploaded.  - Seller-07/10/2025 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County, Processing Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The Transfer Taxes increased on the CD dated 05/30/2025 without a valid COC. No Cure. - Due Diligence Vendor-06/16/2025 Open- - Due Diligence Vendor-06/24/2025

Ready for Review-Document Uploaded.  - Seller-07/10/2025

Cured-Lender provided PCCD and evidence of cure.  Condition cured.   - Due Diligence Vendor-07/10/2025

XXX XXXXXXXXXX cure.pdf

XX

Primary Residence

Purchase

NA

4455997

N/A

N/A

XXXX XXXX

20250827012

XXXX

XXXX

XXXX

Closed

2025-06-16 13:47

2025-07-10 20:08

Cured

2 - Non-Material

Compliance

TRID Tolerance

Charges That Cannot Increase Test (50001251)

Cured-Lender provided PCCD and evidence of cure.  Condition cured.   - Due Diligence Vendor-07/10/2025 Resolved- - Due Diligence Vendor-07/10/2025 Ready for Review-Document Uploaded.  - Seller-07/10/2025 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County, Processing Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Loan Estimate, dated XX/XX/XXXX, reflects Transfer Taxes of $X.XX.  Final CD dated XX/XX/XXXX reflects Transfer Taxes of $XX.XX.  The loan file did not contain a valid COC to support the increase. A COC occurred when the rate was locked on XX/XX/XXXX to which a corresponding CD dated XX/XX/XXXX was issued.  However, the Transfer Tax fee is not a rate dependent fee.  No evidence of a tolerance cure was provided in file. A tolerance cure of $XX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-06/16/2025 Open- - Due Diligence Vendor-06/24/2025

Ready for Review-Document Uploaded.  - Seller-07/10/2025

Cured-Lender provided PCCD and evidence of cure.  Condition cured.   - Due Diligence Vendor-07/10/2025

XXX 6XXXXXXXXXX cure.pdf

XX

Primary Residence

Purchase

NA

4455996

N/A

N/A

XXXX XXXX

20250827012

XXXX

XXXX

XXXX

Closed

2025-06-16 12:47

2025-07-10 19:48

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Received title commitment.  Condition cleared.  - Due Diligence Vendor-07/10/2025 Resolved-Title Document is not Missing - Due Diligence Vendor-07/10/2025 Ready for Review-Document Uploaded.  - Seller-07/10/2025 Open-Title Document is missing - Due Diligence Vendor-06/16/2025

Ready for Review-Document Uploaded.  - Seller-07/10/2025

Resolved-Received title commitment.  Condition cleared.  - Due Diligence Vendor-07/10/2025  Resolved-Title Document is not Missing - Due Diligence Vendor-07/10/2025

LeeTitleCommitment.pdf

XX

Primary Residence

Purchase

NA

4455215

N/A

N/A

XXXX XXXX

20250827012

XXXX

XXXX

XXXX

Closed

2025-06-24 17:24

2025-07-03 13:13

Resolved

1 - Information

Property

Appraisal

Subject property appraisal is not on an as-is basis (Primary Value)

Resolved-Received 1004D.  Condition cleared.   - Due Diligence Vendor-07/03/2025 Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - Due Diligence Vendor-07/03/2025 Ready for Review-Document Uploaded.  - Seller-07/02/2025 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis - Due Diligence Vendor-06/24/2025

Ready for Review-Document Uploaded.  - Seller-07/02/2025

Resolved-Received 1004D.  Condition cleared.   - Due Diligence Vendor-07/03/2025  Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - Due Diligence Vendor-07/03/2025

XXXXXXXXXX 1004D.pdf

XX

Primary Residence

Purchase

NA

4544750

N/A

N/A

XXXX XXXX

20250827012

XXXX

XXXX

XXXX

Closed

2025-06-16 12:54

2025-07-03 13:13

Resolved

1 - Information

Property

Value

Missing Valuation Review Product - 1

Resolved-Received AVM.  Condition cleared. - Due Diligence Vendor-07/03/2025 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-07/03/2025 Ready for Review-Document Uploaded.  - Seller-07/02/2025 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-06/16/2025

Ready for Review-Document Uploaded.  - Seller-07/02/2025

Resolved-Received AVM.  Condition cleared. - Due Diligence Vendor-07/03/2025  Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-07/03/2025

Home Value Estimator Tool _ XXXXXXXX TPO XXXXXXXXXX.pdf

XX

Primary Residence

Purchase

NA

4455304

N/A

N/A

XXXX XXXX

20250827012

XXXX

XXXX

XXXX

Closed

2025-06-16 12:03

2025-07-03 13:07

Resolved

1 - Information

Compliance

Disclosure

ECOA: Appraisal Not Provided to Applicant

Resolved-Received evidence appraisal was provided to applicant.  Condition cleared. - Due Diligence Vendor-07/03/2025 Ready for Review-Document Uploaded.  - Seller-07/02/2025 Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-06/16/2025

Ready for Review-Document Uploaded.  - Seller-07/02/2025

Resolved-Received evidence appraisal was provided to applicant.  Condition cleared. - Due Diligence Vendor-07/03/2025

XXXXXXXXXX Appraisal Emailed.pdf

XX

Primary Residence

Purchase

NA

4454840

N/A

N/A

XXXX XXXX

20250827020

XXXX

XXXX

XXXX

Closed

2025-06-24 18:05

2025-07-30 23:21

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-06/30/2025 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/24/2025

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-06/30/2025

XX

Primary Residence

Purchase

NA

4545678

Investor Post-Close

No

XXXX XXXX

20250827020

XXXX

XXXX

XXXX

Closed

2025-06-24 13:31

2025-07-11 13:51

Resolved

1 - Information

Compliance

TRID Tolerance

Lender Credits That Cannot Decrease Test (50001261)

Resolved-Lender provided COC for lender credit decrease.  Condition cleared.   - Due Diligence Vendor-07/11/2025 Resolved- - Due Diligence Vendor-07/11/2025 Ready for Review-Document Uploaded.  - Seller-07/10/2025 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($XX,XXX.XX). The actual total fee amount shows a credit amount of ($XX,XXX.XX). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Tolerance cure of $XX,XXX.XX to be provided within 60 days of discovery. - Due Diligence Vendor-06/24/2025 Open- - Due Diligence Vendor-06/24/2025

Ready for Review-Document Uploaded.  - Seller-07/10/2025

Resolved-Lender provided COC for lender credit decrease.  Condition cleared.   - Due Diligence Vendor-07/11/2025

Changed Circumstances - CD.pdf

XX

Primary Residence

Purchase

NA

4539926

N/A

N/A

XXXX XXXX

20250827020

XXXX

XXXX

XXXX

Closed

2025-06-24 13:31

2025-07-11 13:50

Resolved

1 - Information

Compliance

TRID Tolerance

Lender Credits That Cannot Decrease Test (50001262)

Resolved-Lender provided COC for lender credit decrease.  Condition cleared.   - Due Diligence Vendor-07/11/2025 Resolved- - Due Diligence Vendor-07/11/2025 Ready for Review-Document Uploaded.  - Seller-07/10/2025 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XX,XXX.XX). The Last CD shows a total lender credit amount of ($XX,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). The Loan Estimate, dated XX/XX/XXXX, reflects a general Lender Credit of $XX,XXX.XX in Section J.  Final CD dated XX/XX/XXXX reflects a general Lender Credit of $XX,XXX.XX in Section J. The loan file did not contain a valid COC to support the decrease.  The COC dated XX/XX/XXXX reflected a reason of "borrower requested".  No evidence of a tolerance cure was provided in file. A tolerance cure of $XX,XXX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower.  NOTE:  Lender to provide specific reason for the decrease in lender credit or provide tolerance cure.   - Due Diligence Vendor-06/24/2025 Open- - Due Diligence Vendor-06/24/2025

Ready for Review-Document Uploaded.  - Seller-07/10/2025

Resolved-Lender provided COC for lender credit decrease.  Condition cleared.   - Due Diligence Vendor-07/11/2025

Changed Circumstances - CD.pdf

XX

Primary Residence

Purchase

NA

4539925

N/A

N/A

XXXX XXXX

20250827057

XXXX

XXXX

XXXX

Closed

2025-06-26 12:58

2025-07-18 14:30

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - List of Settlement Service Providers Mailed/Delivered Within Three Business Days of Application

Resolved-Received WSLP from within 3 days of application.  Condition cleared.  - Due Diligence Vendor-07/18/2025 Resolved-Resolved - Due Diligence Vendor-07/18/2025 Ready for Review-Document Uploaded.  - Seller-07/17/2025 Open-The List of Settlement Service Providers Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, the List of Settlement Service Providers must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(vi); 1026.19(e)(1)(iii)) Out of Scope - Due Diligence Vendor-06/26/2025 Open- - Due Diligence Vendor-06/26/2025

Ready for Review-Document Uploaded.  - Seller-07/17/2025

Resolved-Received WSLP from within 3 days of application.  Condition cleared.  - Due Diligence Vendor-07/18/2025  Resolved-Resolved - Due Diligence Vendor-07/18/2025

SPL.pdf

XX

Primary Residence

Purchase

NA

4568610

N/A

N/A

XXXX XXXX

20250827057

XXXX

XXXX

XXXX

Closed

2025-06-26 12:58

2025-07-18 14:29

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application

Resolved-Received initial LE from within 3 days of application.  Condition cleared.  - Due Diligence Vendor-07/18/2025 Resolved-Resolved - Due Diligence Vendor-07/18/2025 Ready for Review-Document Uploaded.  - Seller-07/17/2025 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The initial Loan Estimate is dated (XX/XX/XXXX) and the application date is (XX/XX/XXXX) - Due Diligence Vendor-06/26/2025 Open- - Due Diligence Vendor-06/26/2025

Ready for Review-Document Uploaded.  - Seller-07/17/2025

Resolved-Received initial LE from within 3 days of application.  Condition cleared.  - Due Diligence Vendor-07/18/2025  Resolved-Resolved - Due Diligence Vendor-07/18/2025

LE.pdf

XX

Primary Residence

Purchase

NA

4568609

N/A

N/A

XXXX XXXX

20250827057

XXXX

XXXX

XXXX

Closed

2025-06-26 12:58

2025-07-18 14:29

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Homeownership Counseling Disclosure Delivery

Resolved-Received Homeownership Counseling Disclosure from within 3 days of application.  Condition cleared.  - Due Diligence Vendor-07/18/2025 Resolved-Resolved - Due Diligence Vendor-07/18/2025 Ready for Review-Document Uploaded.  - Seller-07/17/2025 Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) . - Due Diligence Vendor-06/26/2025 Open- - Due Diligence Vendor-06/26/2025

Ready for Review-Document Uploaded.  - Seller-07/17/2025

Resolved-Received Homeownership Counseling Disclosure from within 3 days of application.  Condition cleared.  - Due Diligence Vendor-07/18/2025  Resolved-Resolved - Due Diligence Vendor-07/18/2025

Counseling.pdf

XX

Primary Residence

Purchase

NA

4568608

N/A

N/A

XXXX XXXX

20250827057

XXXX

XXXX

XXXX

Closed

2025-07-01 13:41

2025-07-01 18:58

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged by Inveestor. - Due Diligence Vendor-07/01/2025 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/01/2025

Acknowledged-Acknowledged by Inveestor. - Due Diligence Vendor-07/01/2025

XX

Primary Residence

Purchase

NA

4614126

Investor Post-Close

No

XXXX XXXX

20250827048

XXXX

XXXX

XXXX

Closed

2025-07-01 10:56

2025-07-30 23:23

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-07/30/2025 Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/01/2025

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-07/30/2025  Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/01/2025

XX

Primary Residence

Purchase

NA

4612504

Investor Post-Close

No

XXXX XXXX

20250827048

XXXX

XXXX

XXXX

Closed

2025-06-23 13:32

2025-07-17 17:31

Resolved

1 - Information

Credit

Missing Doc

Missing Borrower Identification - Borrower 1

Resolved-Received completed Patriot Act Disclosure.  Condition cleared.   - Due Diligence Vendor-07/17/2025 Ready for Review-Document Uploaded.  - Seller-07/16/2025 Open-Borrower 1 identification not provided. - Due Diligence Vendor-06/23/2025

Ready for Review-Document Uploaded.  - Seller-07/16/2025

Resolved-Received completed Patriot Act Disclosure.  Condition cleared.   - Due Diligence Vendor-07/17/2025

XXXXXXXXXX US Patriot Acts.pdf

XX

Primary Residence

Purchase

NA

4525515

N/A

N/A

XXXX XXXX

20250827048

XXXX

XXXX

XXXX

Closed

2025-06-23 13:32

2025-07-17 17:31

Resolved

1 - Information

Credit

Missing Doc

Missing Borrower Identification - Borrower 2

Resolved-Received completed Patriot Act Disclosure.  Condition cleared.   - Due Diligence Vendor-07/17/2025 Ready for Review-Document Uploaded.  - Seller-07/16/2025 Open-Borrower 2 identification not provided. - Due Diligence Vendor-06/23/2025

Ready for Review-Document Uploaded.  - Seller-07/16/2025

Resolved-Received completed Patriot Act Disclosure.  Condition cleared.   - Due Diligence Vendor-07/17/2025

XXXXXXXXXX US Patriot Acts.pdf

XX

Primary Residence

Purchase

NA

4525516

N/A

N/A

XXXX XXXX

20250827048

XXXX

XXXX

XXXX

Closed

2025-06-23 13:32

2025-07-17 17:30

Resolved

1 - Information

Credit

Missing Doc

Missing Borrower Identification - Borrower 3

Resolved-Received completed Patriot Act Disclosure.  Condition cleared.   - Due Diligence Vendor-07/17/2025 Ready for Review-Document Uploaded.  - Seller-07/16/2025 Open-Borrower 3 identification not provided. - Due Diligence Vendor-06/23/2025

Ready for Review-Document Uploaded.  - Seller-07/16/2025

Resolved-Received completed Patriot Act Disclosure.  Condition cleared.   - Due Diligence Vendor-07/17/2025

XXXXXXXXXX US Patriot Acts.pdf

XX

Primary Residence

Purchase

NA

4525517

N/A

N/A

XXXX XXXX

20250827059

XXXX

XXXX

XXXX

Closed

2025-06-26 15:08

2025-06-30 19:19

Acknowledged

1 - Information

Property

Value

S&P CU/LCA score and secondary product not within tolerance

Acknowledged-Acknowledged by Investor - Due Diligence Vendor-06/30/2025 Open-S&P RA Only - CU/LCA Score and secondary product not within tolerance. - Due Diligence Vendor-06/26/2025

Acknowledged-Acknowledged by Investor - Due Diligence Vendor-06/30/2025

XX

Primary Residence

Purchase

NA

4571505

Investor Post-Close

No

XXXX XXXX

20250827062

XXXX

XXXX

XXXX

Closed

2025-06-25 15:20

2025-07-14 13:44

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Updated HOI with Effective date of XX/XX/XXXX provided.  Condition Resolved. - Due Diligence Vendor-07/14/2025 Ready for Review-Document Uploaded.  - Seller-07/11/2025 Ready for Review-We agree with your statement however we obtained a corrected HOI with the effective date of XX/XX/XXXX - Seller-07/11/2025 Counter-The Policy Effective date is XX/XX/XXXX per the Declarations page.  The HOI Effective date is after disbursement (XX/XX/XXXX).  Please provide evidence that the policy was effective on XX/XX/XXXX. - Due Diligence Vendor-07/11/2025 Ready for Review-Document Uploaded.  - Seller-07/10/2025 Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX - Due Diligence Vendor-06/25/2025

Ready for Review-Document Uploaded.  - Seller-07/11/2025  Ready for Review-We agree with your statement however we obtained a corrected HOI with the effective date of XX/XX/XXXX - Seller-07/11/2025  Ready for Review-Document Uploaded.  - Seller-07/10/2025

Resolved-Updated HOI with Effective date of 6/11 provided.  Condition Resolved. - Due Diligence Vendor-07/14/2025

XXXXXX XXXXXXXXXX HOI response.pdf ViewDocument.pdf

XX

Primary Residence

Purchase

NA

4557417

N/A

N/A

XXXX XXXX

20250827055

XXXX

XXXX

XXXX

Closed

2025-06-26 16:58

2025-07-30 23:24

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged by Investor - Due Diligence Vendor-06/30/2025 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/26/2025

Acknowledged-Acknowledged by Investor - Due Diligence Vendor-06/30/2025

XX

Primary Residence

Purchase

NA

4573947

Investor Post-Close

No

XXXX XXXX

20250827055

XXXX

XXXX

XXXX

Closed

2025-06-23 17:18

2025-07-11 13:29

Resolved

1 - Information

Credit

Missing Doc

Missing Borrower Identification - Borrower 1

Resolved-Received Patriot Act Disclosure.  Condition cleared.   - Due Diligence Vendor-07/11/2025 Ready for Review-Document Uploaded.  - Seller-07/10/2025 Open-Borrower 1 identification not provided.  - Due Diligence Vendor-06/26/2025

Ready for Review-Document Uploaded.  - Seller-07/10/2025

Resolved-Received Patriot Act Disclosure.  Condition cleared.   - Due Diligence Vendor-07/11/2025

XXXXXX XXXXXXXXXX Patriot.pdf

XX

Primary Residence

Purchase

NA

4530088

N/A

N/A

XXXX XXXX

20250827061

XXXX

XXXX

XXXX

Closed

2025-06-30 14:37

2025-07-30 23:24

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged by Investor - Due Diligence Vendor-06/30/2025 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/30/2025

Acknowledged-Acknowledged by Investor - Due Diligence Vendor-06/30/2025

XX

Primary Residence

Purchase

NA

4601451

Investor Post-Close

No

XXXX XXXX

20250827061

XXXX

XXXX

XXXX

Closed

2025-06-23 13:27

2025-07-11 12:33

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Lender provided evidence of XX/XX/XXXX.  Condition cleared.   - Due Diligence Vendor-07/11/2025 Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Note Date of XX/XX/XXXX5 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-07/11/2025 Ready for Review-Document Uploaded.  - Seller-07/10/2025 Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Hazard Insurance Effective Date is after the Note Date - Due Diligence Vendor-06/23/2025

Ready for Review-Document Uploaded.  - Seller-07/10/2025

Resolved-Lender provided evidence of XX/XX/XXXX5.  Condition cleared.   - Due Diligence Vendor-07/11/2025  Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Note Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-07/11/2025

XXXXX XXXXXXXXXX HOI response.pdf

XX

Primary Residence

Purchase

NA

4525424

N/A

N/A

XXXX XXXX

20250827037

XXXX

XXXX

XXXX

Closed

2025-06-24 13:19

2025-07-11 15:37

Resolved

1 - Information

Compliance

Tolerance:Disclosure

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

Resolved-Lender provided evidence of receipt.  Condition cleared.   - Due Diligence Vendor-07/11/2025 Resolved- - Due Diligence Vendor-07/11/2025 Resolved- - Due Diligence Vendor-07/11/2025 Ready for Review-Document Uploaded.  - Seller-07/10/2025 Open-A revised Loan Estimate was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive a revised Loan Estimate not later than four business days prior to consummation date of  (XX/XX/XXXX). Since the revised Loan Estimate was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. As a result, the revised Loan Estimate is not deemed to have been received at least four business days before consummation, which is (XX/XX/XXXX). (12 CFR 1026.19(e)(4)(ii)) The re-disclosed LE reflects a Date Issued of (XX/XX/XXXX) with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt is applied and borrower was not in receipt of re-disclosed LE 4 business days prior to consummation of (XX/XX/XXXX) .  - Due Diligence Vendor-06/24/2025 Open- - Due Diligence Vendor-06/24/2025

Ready for Review-Document Uploaded.  - Seller-07/10/2025

Resolved-Lender provided evidence of receipt.  Condition cleared.   - Due Diligence Vendor-07/11/2025  Resolved-  - Due Diligence Vendor-07/11/2025

XXXXXXXX XXXXXXXXXX Rev LE.pdf

XX

Primary Residence

Purchase

NA

4539711

N/A

N/A

XXXX XXXX

20250827037

XXXX

XXXX

XXXX

Closed

2025-06-26 15:51

2025-06-30 17:59

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-06/30/2025 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/26/2025

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-06/30/2025

XX

Primary Residence

Purchase

NA

4572666

Investor Post-Close

No

XXXX XXXX

20250827018

XXXX

XXXX

XXXX

Closed

2025-07-10 18:32

2025-07-22 16:44

Resolved

1 - Information

Compliance

TRID Tolerance

Lender Credits That Cannot Decrease Test (50001261)

Resolved-Received COC for decrease in lender credits.  Condition cleared.  - Due Diligence Vendor-07/22/2025 Resolved- - Due Diligence Vendor-07/22/2025 Ready for Review-Document Uploaded.  - Seller-07/19/2025 Open-Initial LE provided in conditions reflected a Lender Credit of $XX,XXX.XX.  Please provided COC for lender credit decrease to $XX,XXX.XX on the final CD.  - Due Diligence Vendor-07/10/2025 Open- - Due Diligence Vendor-07/10/2025 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($XX,XXX.XX). The actual total fee amount shows a credit amount of ($XX,XXX.XX). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)).    - Due Diligence Vendor-07/10/2025

Ready for Review-Document Uploaded.  - Seller-07/19/2025

Resolved-Received COC for decrease in lender credits.  Condition cleared.  - Due Diligence Vendor-07/22/2025  Resolved- - Due Diligence Vendor-07/22/2025

XXXXX XXXXXXXXXX CIC.pdf

XX

Primary Residence

Purchase

NA

4770566

N/A

N/A

XXXX XXXX

20250827018

XXXX

XXXX

XXXX

Closed

2025-07-10 18:32

2025-07-22 16:43

Resolved

1 - Information

Compliance

TRID Tolerance

Lender Credits That Cannot Decrease Test (50001262)

Resolved-Received COC for decrease in lender credits.  Condition cleared.  - Due Diligence Vendor-07/22/2025 Resolved- - Due Diligence Vendor-07/22/2025 Ready for Review-Document Uploaded.  - Seller-07/19/2025 Open-Initial LE provided in conditions reflected a Lender Credit of $XX,XXX.XX.  Please provided COC for lender credit decrease to $XX,XXX.XX on the final CD. - Due Diligence Vendor-07/10/2025 Open- - Due Diligence Vendor-07/10/2025 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XX,XXX.XX). The Last CD shows a total lender credit amount of ($XX,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)).    - Due Diligence Vendor-07/10/2025

Ready for Review-Document Uploaded.  - Seller-07/19/2025

Resolved-Received COC for decrease in lender credits.  Condition cleared.  - Due Diligence Vendor-07/22/2025  Resolved- - Due Diligence Vendor-07/22/2025

XXXXX XXXXXXXXXX CIC.pdf

XX

Primary Residence

Purchase

NA

4770565

N/A

N/A

XXXX XXXX

20250827018

XXXX

XXXX

XXXX

Closed

2025-06-26 17:31

2025-07-10 18:35

Resolved

1 - Information

Compliance

Missing Doc

Homeownership Counseling Disclosure Is Missing

Resolved-Received Homeownership Counseling Disclosure provided on day of application.  Condition cleared.  - Due Diligence Vendor-07/10/2025 Ready for Review-Document Uploaded.  - Seller-07/10/2025 Open-Homeownership Counseling Disclosure is > 3 days from application date  - Due Diligence Vendor-06/26/2025

Ready for Review-Document Uploaded.  - Seller-07/10/2025

Resolved-Received Homeownership Counseling Disclosure provided on day of application.  Condition cleared.  - Due Diligence Vendor-07/10/2025

XXXXX XXXXXXXXXX Initial loan package.pdf

XX

Primary Residence

Purchase

NA

4574537

N/A

N/A

XXXX XXXX

20250827018

XXXX

XXXX

XXXX

Closed

2025-06-24 13:33

2025-07-10 18:32

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application

Resolved- - Due Diligence Vendor-07/10/2025 Ready for Review-Document Uploaded.  - Seller-07/10/2025 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) Missing initial loan estimate dated within 3 days of application  - Due Diligence Vendor-06/24/2025 Open- - Due Diligence Vendor-06/26/2025 Open- - Due Diligence Vendor-06/24/2025 Open- - Due Diligence Vendor-06/24/2025 Open- - Due Diligence Vendor-06/24/2025

Ready for Review-Document Uploaded.  - Seller-07/10/2025

Resolved-  - Due Diligence Vendor-07/10/2025

XXXXX XXXXXXXXXX Initial loan package.pdf

XX

Primary Residence

Purchase

NA

4539962

N/A

N/A

XXXX XXXX

20250827018

XXXX

XXXX

XXXX

Closed

2025-06-26 18:00

2025-06-30 17:59

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-06/30/2025 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/26/2025

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-06/30/2025

XX

Primary Residence

Purchase

NA

4575038

Investor Post-Close

No

XXXX XXXX

20250827021

XXXX

XXXX

XXXX

Closed

2025-06-25 17:15

2025-07-18 13:34

Resolved

1 - Information

Credit

Assets

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

Resolved-Received updated bank statement with sufficient funds and sourcing of deposit.  Condition cleared.   - Due Diligence Vendor-07/18/2025 Resolved-Total Qualified Assets for Reserves Post-Close of $XX,XXX.XX is equal to or greater than Total Required Reserve Amount of $XX,XXX.XX - Due Diligence Vendor-07/18/2025 Open-Total Qualified Assets for Reserves Post-Close of $XX,XXX.XX is less than Total Required Reserve Amount of $XX,XXX.XX - Due Diligence Vendor-06/25/2025

Resolved-Received updated bank statement with sufficient funds and sourcing of deposit.  Condition cleared.   - Due Diligence Vendor-07/18/2025  Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXX.XX is equal to or greater than Total Required Reserve Amount of $XXXXX.XX - Due Diligence Vendor-07/18/2025

XX

Primary Residence

Purchase

NA

4559521

N/A

N/A

XXXX XXXX

20250827021

XXXX

XXXX

XXXX

Closed

2025-06-25 17:37

2025-07-18 13:34

Resolved

1 - Information

Credit

Eligibility

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

Resolved-Received updated bank statement with sufficient funds and sourcing of deposit.  Condition cleared.   - Due Diligence Vendor-07/18/2025 Resolved-Audited Reserves of 5.76 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-07/18/2025 Ready for Review-Document Uploaded. Sorry about that...here you go! - Seller-07/18/2025 Counter-Loan file contains March and April statement for account ending #XXXX.  The XX/XX/XXXX statement cannot be opened.  Please re upload the XX/XX/XXXX statement for review.  - Due Diligence Vendor-07/15/2025 Ready for Review-Document Uploaded. Balance in XXXXX #XXXX is $XX,XXX.XX on XX/XX/XXXX  - Seller-07/15/2025 Counter-Audit verified assets total $XX,XXX.XX ($XX,XXX.XX 401K, $XX,XXX.XX act #XXXX, $XX,XXX.XX act #XXXX).  Funds required for closing $XX,XXX.XX plus EMD of $XX,XXX.XX.  Required reserves total $XX,XXX.XX (3 x $XX,XXX.XX).  Condition remains.  - Due Diligence Vendor-07/11/2025 Ready for Review-Document Uploaded. Per the attached asset worksheet, our calculated reserves are $XX,XXX.XX.  Required funds including reserves is $XX,XXX.XX and verified funds are $XX,XXX.XX.   - Seller-07/10/2025 Open-Audited Reserves of 2.72 month(s) are less than Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-06/25/2025

Ready for Review-Document Uploaded. Sorry about that...here you go! - Seller-07/18/2025  Ready for Review-Document Uploaded. Balance in XXXXX #XXXX is $XXX,XXX.XX on XX/XX/XXXX  - Seller-07/15/2025  Ready for Review-Document Uploaded. Per the attached asset worksheet, our calculated reserves are $XXXXX.XX.  Required funds including reserves is $XXX,XXX.XX and verified funds are $XXX,XXX.XX.   - Seller-07/10/2025

Resolved-Received updated bank statement with sufficient funds and sourcing of deposit.  Condition cleared.   - Due Diligence Vendor-07/18/2025  Resolved-Audited Reserves of 5.76 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-07/18/2025

XXXXXX XXXXXXXXXX Assets.pdf Assets.pdf Assets to Close.pdf

XX

Primary Residence

Purchase

NA

4560013

N/A

N/A

XXXX XXXX

20250827005

XXXX

XXXX

XXXX

Closed

2025-06-24 15:49

2025-07-10 14:18

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements

Resolved-Lender provided property tax bill.  Condition cleared.   - Due Diligence Vendor-07/10/2025 Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-07/10/2025 Ready for Review-Document Uploaded.  - Seller-07/10/2025 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements ATR Risk - Monthly Taxes payments do not meet requirements - Due Diligence Vendor-06/24/2025

Ready for Review-Document Uploaded.  - Seller-07/10/2025

Resolved-Lender provided property tax bill.  Condition cleared.   - Due Diligence Vendor-07/10/2025  Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-07/10/2025

XXXXXXXXXX Tax.pdf

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

4543021

N/A

N/A

XXXX XXXX

20250827005

XXXX

XXXX

XXXX

Closed

2025-06-24 15:05

2025-07-10 14:18

Resolved

1 - Information

Credit

Missing Doc

Evidence of Property Tax Missing

Resolved-Lender provided property tax bill.  Condition cleared.   - Due Diligence Vendor-07/10/2025 Resolved-Evidence of Property Tax is present - Due Diligence Vendor-07/10/2025 Ready for Review-Document Uploaded.  - Seller-07/10/2025 Open-Missing Evidence of Property Tax - Due Diligence Vendor-06/24/2025

Ready for Review-Document Uploaded.  - Seller-07/10/2025

Resolved-Lender provided property tax bill.  Condition cleared.   - Due Diligence Vendor-07/10/2025  Resolved-Evidence of Property Tax is present - Due Diligence Vendor-07/10/2025

XXXXXXXXXX Tax.pdf

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

4541892

N/A

N/A

XXXX XXXX

20250827019

XXXX

XXXX

XXXX

Closed

2025-06-27 20:06

2025-07-11 15:23

Resolved

1 - Information

Compliance

Disclosure

ECOA: Appraisal Not Provided to Applicant

Resolved-Evidence of appraisal delivery provided.  Condition Resolved. - Due Diligence Vendor-07/11/2025 Ready for Review-Document Uploaded.  - Seller-07/10/2025 Counter-Received appraisal transfer letter.  Please provide evidence appraisal was provided to applicant.  Condition remains.  - Due Diligence Vendor-07/03/2025 Ready for Review-Document Uploaded. Appraisal was transferred - Seller-07/02/2025 Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-06/27/2025

Ready for Review-Document Uploaded.  - Seller-07/10/2025  Ready for Review-Document Uploaded. Appraisal was transferred - Seller-07/02/2025

Resolved-Evidence of appraisal delivery provided.  Condition Resolved. - Due Diligence Vendor-07/11/2025

XXXXXXXXXX Appraisal Trasferred.pdf Proof of Appraisal Delivery.pdf

XX

Primary Residence

Purchase

NA

4591461

N/A

N/A

XXXX XXXX

20250827019

XXXX

XXXX

XXXX

Closed

2025-06-27 20:35

2025-06-30 17:59

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-06/30/2025 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/27/2025

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-06/30/2025

XX

Primary Residence

Purchase

NA

4591843

Investor Post-Close

No

XXXX XXXX

20250827022

XXXX

XXXX

XXXX

Closed

2025-06-23 15:15

2025-06-30 17:59

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-06/30/2025 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/23/2025

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-06/30/2025

XX

Primary Residence

Purchase

NA

4527315

Investor Post-Close

No

XXXX XXXX

20250827033

XXXX

XXXX

XXXX

Closed

2025-06-27 14:08

2025-07-17 16:50

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Received final CD.  Condition cleared.  - Due Diligence Vendor-07/17/2025 Ready for Review-Document Uploaded.  - Seller-07/16/2025 Open-TRID: Missing Final Closing Disclosure Missing complete Final CD: Compliance will be reviewed upon receipt  - Due Diligence Vendor-06/27/2025

Ready for Review-Document Uploaded.  - Seller-07/16/2025

Resolved-Received final CD.  Condition cleared.  - Due Diligence Vendor-07/17/2025

Lender CD - Fully Executed.pdf

XX

Primary Residence

Purchase

NA

4584599

N/A

N/A

XXXX XXXX

20250827006

XXXX

XXXX

XXXX

Closed

2025-06-25 14:42

2025-06-25 14:42

Acknowledged

1 - Information

Property

Value

S&P CU/LCA score and secondary product not within tolerance

Acknowledged-S&P RA Only - CU/LCA Score and secondary product not within tolerance. Acknowledged by investor. - Due Diligence Vendor-06/25/2025

Acknowledged-S&P RA Only - CU/LCA Score and secondary product not within tolerance. Acknowledged by investor. - Due Diligence Vendor-06/25/2025

XX

Primary Residence

Purchase

NA

4555807

Investor Post-Close

No

XXXX XXXX

20250827017

XXXX

XXXX

XXXX

Closed

2025-06-24 10:37

2025-07-17 19:02

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Received fraud report.  Condition cleared.   - Due Diligence Vendor-07/17/2025 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-07/17/2025 Ready for Review-Document Uploaded.  - Seller-07/17/2025 Open-Missing Third Party Fraud Report - Due Diligence Vendor-06/24/2025

Ready for Review-Document Uploaded.  - Seller-07/17/2025

Resolved-Received fraud report.  Condition cleared.   - Due Diligence Vendor-07/17/2025  Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-07/17/2025

DRIVE Report.pdf

XX

Primary Residence

Purchase

NA

4537792

N/A

N/A

XXXX XXXX

20250827046

XXXX

XXXX

XXXX

Closed

2025-07-16 14:50

2025-07-30 23:22

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. Acknowledged by Client. - Due Diligence Vendor-07/16/2025

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. Acknowledged by Client. - Due Diligence Vendor-07/16/2025

XX

Primary Residence

Purchase

NA

4834501

Investor Post-Close

No

XXXX XXXX

20250827027

XXXX

XXXX

XXXX

Closed

2025-06-24 12:14

2025-07-10 19:35

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-Lender documented evidence of receipt of initial CD.  Condition cleared.  - Due Diligence Vendor-07/10/2025 Resolved-Resolved - Due Diligence Vendor-07/10/2025 Ready for Review-Document Uploaded.  - Seller-07/10/2025 Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of XX/XX/XXXX with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of XX/XX/XXXX. No Cure.  - Due Diligence Vendor-06/24/2025 Open- - Due Diligence Vendor-06/24/2025

Ready for Review-Document Uploaded.  - Seller-07/10/2025

Resolved-Lender documented evidence of receipt of initial CD.  Condition cleared.  - Due Diligence Vendor-07/10/2025  Resolved-Resolved - Due Diligence Vendor-07/10/2025

XXXXXX XXXXXXXXXX ICD.pdf

XX

Primary Residence

Purchase

NA

4538582

N/A

N/A

XXXX XXXX

20250827027

XXXX

XXXX

XXXX

Closed

2025-06-24 11:42

2025-07-02 20:23

Resolved

1 - Information

Compliance

Disclosure

ECOA: Appraisal Not Provided to Applicant

Resolved-Lender provided evidence appraisal provided to borrowers.  Condition cleared.  - Due Diligence Vendor-07/02/2025 Ready for Review-Document Uploaded.  - Seller-07/02/2025 Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-06/24/2025

Ready for Review-Document Uploaded.  - Seller-07/02/2025

Resolved-Lender provided evidence appraisal provided to borrowers.  Condition cleared.  - Due Diligence Vendor-07/02/2025

XXXXXXXXXX.pdf

XX

Primary Residence

Purchase

NA

4538282

N/A

N/A

XXXX XXXX

20250827076

XXXX

XXXX

XXXX

Closed

2025-07-08 22:28

2025-07-08 22:31

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-07/08/2025 Open-S&P RA Only - Value grade equals B, secondary product within tolerance. Finding is graded B for S&P only and graded A for all other agencies. - Due Diligence Vendor-07/08/2025

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-07/08/2025

XX

Primary Residence

Purchase

NA

4741213

Investor Post-Close

No

XXXX XXXX

20250827101

XXXX

XXXX

XXXX

Closed

2025-07-02 21:52

2025-07-30 23:25

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-07/02/2025 Open-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P only and graded A for all other Agencies.  - Due Diligence Vendor-07/02/2025

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-07/02/2025

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

4644317

Investor Post-Close

No

XXXX XXXX

20250827101

XXXX

XXXX

XXXX

Closed

2025-06-26 11:39

2025-07-18 14:50

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application

Resolved-Received initial LE dated within 3 days of application.  Condition cleared.   - Due Diligence Vendor-07/18/2025 Resolved-Resolved - Due Diligence Vendor-07/18/2025 Ready for Review-Document Uploaded.  - Seller-07/17/2025 Open- - Due Diligence Vendor-06/26/2025 Open- - Due Diligence Vendor-06/26/2025 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The initial Loan Estimate is dated (XX/XX/XXXX) and the application date is (XX/XX/XXXX) - Due Diligence Vendor-06/26/2025 Open- - Due Diligence Vendor-06/26/2025

Ready for Review-Document Uploaded.  - Seller-07/17/2025

Resolved-Received initial LE dated within 3 days of application.  Condition cleared.   - Due Diligence Vendor-07/18/2025  Resolved-Resolved - Due Diligence Vendor-07/18/2025

XXXXXX XXXXXXXXXX LE, SPL, Counsel.pdf

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

4567764

N/A

N/A

XXXX XXXX

20250827101

XXXX

XXXX

XXXX

Closed

2025-06-26 11:39

2025-07-18 14:45

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Homeownership Counseling Disclosure Delivery

Resolved-Received Homeownership Counseling Disclosure dated within 3 days of application.  Condition cleared.   - Due Diligence Vendor-07/18/2025 Resolved-Resolved - Due Diligence Vendor-07/18/2025 Ready for Review-Document Uploaded.  - Seller-07/17/2025 Open- - Due Diligence Vendor-06/26/2025 Open- - Due Diligence Vendor-06/26/2025 Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) . - Due Diligence Vendor-06/26/2025 Open- - Due Diligence Vendor-06/26/2025

Ready for Review-Document Uploaded.  - Seller-07/17/2025

Resolved-Received Homeownership Counseling Disclosure dated within 3 days of application.  Condition cleared.   - Due Diligence Vendor-07/18/2025  Resolved-Resolved - Due Diligence Vendor-07/18/2025

XXXXX XXXXXXXXXX LE, SPL, Counsel.pdf

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

4567763

N/A

N/A

XXXX XXXX

20250827075

XXXX

XXXX

XXXX

Closed

2025-07-09 18:35

2025-07-30 23:25

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/09/2025

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/09/2025

XX

Primary Residence

Purchase

NA

4753568

Investor Post-Close

No

XXXX XXXX

20250827098

XXXX

XXXX

XXXX

Closed

2025-06-27 18:12

2025-07-22 16:23

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-Lender provided evidence of receipt of the initial CD.  Condition cleared.  - Due Diligence Vendor-07/22/2025 Resolved-Resolved - Due Diligence Vendor-07/22/2025 Ready for Review-Document Uploaded.  - Seller-07/19/2025 Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects a Date Issued of (XX/XX/XXXX). eSignature on initial CD is null and void due to the missing eConsent form. Therefore, the Mailbox Rule/Presumed Receipt is applied and borrower was not in receipt of initial CD 3 business days prior to consummation of (XX/XX/XXXX). No Cure. - Due Diligence Vendor-06/27/2025 Open- - Due Diligence Vendor-06/27/2025 Open- - Due Diligence Vendor-06/27/2025

Ready for Review-Document Uploaded.  - Seller-07/19/2025

Resolved-Lender provided evidence of receipt of the initial CD.  Condition cleared.  - Due Diligence Vendor-07/22/2025  Resolved-Resolved - Due Diligence Vendor-07/22/2025

XXXXXX XXXXXXXXXX ICD.pdf

XX

Primary Residence

Purchase

NA

4589303

N/A

N/A

XXXX XXXX

20250827098

XXXX

XXXX

XXXX

Closed

2025-07-08 15:32

2025-07-08 15:35

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged by Infestor - Due Diligence Vendor-07/08/2025 Open-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded A for S&P only and graded B for all other Agencies.  - Due Diligence Vendor-07/08/2025

Acknowledged-Acknowledged by Infestor - Due Diligence Vendor-07/08/2025

XX

Primary Residence

Purchase

NA

4725051

Investor Post-Close

No

XXXX XXXX

20250827090

XXXX

XXXX

XXXX

Closed

2025-06-27 09:38

2025-07-21 20:59

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-07/21/2025 Resolved-Evidence REOS 1, 2 and 3 did not have XXX dues provided.  Condition Resolved. - Due Diligence Vendor-07/21/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing Evidence of XXX dues for REO1, REO2 and REO3. - Due Diligence Vendor-06/27/2025

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-07/21/2025  Resolved-Evidence REOS 1, 2 and 3 did not have XXX dues provided.  Condition Resolved. - Due Diligence Vendor-07/21/2025

XX

Primary Residence

Purchase

NA

4582136

N/A

N/A

XXXX XXXX

20250827090

XXXX

XXXX

XXXX

Closed

2025-06-27 09:23

2025-07-21 20:57

Resolved

1 - Information

Credit

Missing Doc

Missing Evidence of HOA Dues for REO1

Resolved-Evidence REOS 1, 2 and 3 did not have XXX dues provided.  Condition Resolved. - Due Diligence Vendor-07/21/2025 Ready for Review-Document Uploaded. As it applies to XXX dues, our internal process is to look at the address and other documentation in the file. If nothing indicates a condo or PUD (ex. Unit number) we typically will not request verification of XXX.   I googled all three properties and they are in older, established neighborhoods where HOA dues would be unlikely.  - Seller-07/18/2025 Open-Missing Evidence of XXX Dues for REO1, REO2 & REO3. - Due Diligence Vendor-06/27/2025

Ready for Review-Document Uploaded. As it applies to XXX dues, our internal process is to look at the address and other documentation in the file. If nothing indicates a condo or PUD (ex. Unit number) we typically will not request verification of XXX.   I googled all three properties and they are in older, established neighborhoods where XXX dues would be unlikely.  - Seller-07/18/2025

Resolved-Evidence REOS 1, 2 and 3 did not have XXX dues provided.  Condition Resolved. - Due Diligence Vendor-07/21/2025

XX XXXXXX XX.pdf XX-XX XXXXXXXXX XX.pdf XXX-XXX XXXXXXXX XX.pdf

XX

Primary Residence

Purchase

NA

4582084

N/A

N/A

XXXX XXXX

20250827110

XXXX

XXXX

XXXX

Closed

2025-07-07 20:18

2025-07-30 23:25

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

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

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-07/07/2025

XX

Primary Residence

Purchase

NA

4705898

Investor Post-Close

No

XXXX XXXX

20250827102

XXXX

XXXX

XXXX

Closed

2025-06-26 12:07

2025-07-11 15:44

Resolved

1 - Information

Compliance

TRID Tolerance

Lender Credits That Cannot Decrease Test (50001261)

Resolved-Lender provided COC for lender credit decrease.  Condition cleared.   - Due Diligence Vendor-07/11/2025 Resolved- - Due Diligence Vendor-07/11/2025 Ready for Review-Document Uploaded.  - Seller-07/10/2025 Open- - Due Diligence Vendor-06/30/2025 Open- - Due Diligence Vendor-06/30/2025 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($XX,XXX.XX). The actual total fee amount shows a credit amount of ($XX,XXX.XX). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). The Revised Loan Estimate, dated XX/XX/XXXX, reflects a general Lender Credit of $XX,XXX.XX in Section J. Final CD dated XX/XX/XXXX reflects a general Lender Credit of $XX,XXX.XX in Section J. The loan file didn't contain valid COC to cure Lender Credit Decrease. - Due Diligence Vendor-06/26/2025 Open- - Due Diligence Vendor-06/26/2025

Ready for Review-Document Uploaded.  - Seller-07/10/2025

Resolved-Lender provided COC for lender credit decrease.  Condition cleared.   - Due Diligence Vendor-07/11/2025  Resolved- - Due Diligence Vendor-07/11/2025

XXXXXX XXXXXXXX XXXXXXXXXX LC response.pdf

XX

Primary Residence

Purchase

NA

4568072

N/A

N/A

XXXX XXXX

20250827102

XXXX

XXXX

XXXX

Closed

2025-06-26 12:07

2025-07-11 15:44

Resolved

1 - Information

Compliance

TRID Tolerance

Lender Credits That Cannot Decrease Test (50001262)

Resolved-Lender provided COC for lender credit decrease.  Condition cleared.   - Due Diligence Vendor-07/11/2025 Resolved- - Due Diligence Vendor-07/11/2025 Ready for Review-Document Uploaded.  - Seller-07/10/2025 Open- - Due Diligence Vendor-06/30/2025 Open- - Due Diligence Vendor-06/30/2025 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XX,XXX.XX). The Last CD shows a total lender credit amount of ($XX,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). The Revised Loan Estimate, dated XX/XX/XXXX, reflects a general Lender Credit of $XX,XXX.XX in Section J. Final CD dated XX/XX/XXXX reflects a general Lender Credit of $XX,XXX.XX in Section J. The loan file didn't contain valid COC to cure Lender Credit Decrease.  - Due Diligence Vendor-06/26/2025 Open- - Due Diligence Vendor-06/26/2025

Ready for Review-Document Uploaded.  - Seller-07/10/2025

Resolved-Lender provided COC for lender credit decrease.  Condition cleared.   - Due Diligence Vendor-07/11/2025  Resolved- - Due Diligence Vendor-07/11/2025

XXXXXX XXXXXXXX XXXXXXXXXX LC response.pdf

XX

Primary Residence

Purchase

NA

4568071

N/A

N/A

XXXX XXXX

20250827102

XXXX

XXXX

XXXX

Closed

2025-06-30 19:59

2025-07-09 13:03

Resolved

1 - Information

Compliance

Disclosure

ECOA: Appraisal Not Provided to Applicant

Resolved-Evidence of timely appraisal delivery provided.  Condition Resolved. - Due Diligence Vendor-07/09/2025 Ready for Review-Document Uploaded.  - Seller-07/08/2025 Counter-Received appraisal transfer letter.  Please provide evidence appraisal was provided to applicant.  Condition remains.  - Due Diligence Vendor-07/03/2025 Ready for Review-Document Uploaded. Appraisal was transferred - Seller-07/02/2025 Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-06/30/2025

Ready for Review-Document Uploaded.  - Seller-07/08/2025  Ready for Review-Document Uploaded. Appraisal was transferred - Seller-07/02/2025

Resolved-Evidence of timely appraisal delivery provided.  Condition Resolved. - Due Diligence Vendor-07/09/2025

Appraisal Transfer - XXXXXXX XXXXX XXXXXX XXXXXXXX.pdf Appraisal Delivery Form XXXXXXXXXX.pdf

XX

Primary Residence

Purchase

NA

4607451

N/A

N/A

XXXX XXXX

20250827069

XXXX

XXXX

XXXX

Closed

2025-06-26 14:18

2025-07-11 15:32

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001028)

Resolved-Lender provided COC for credit report fee increase.  Condition cleared.  - Due Diligence Vendor-07/11/2025 Resolved-Resolved - Due Diligence Vendor-07/11/2025 Ready for Review-Document Uploaded.  - Seller-07/10/2025 Open-The Loan Estimate reflects a Credit Report Fee of $XX,XXX.XX.  The Final CD dated reflects a Credit Report Fee of $XX,XXX.XX. The loan file did not contain a valid COC to support the increase. A tolerance cure of $XX,XXX.XX is required. Section J reflects no tolerance cure. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-06/26/2025 Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($XX,XXX.XX) were applied to the total fee variance of ($XX,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-06/26/2025 Open- - Due Diligence Vendor-06/26/2025 Open- - Due Diligence Vendor-06/26/2025

Ready for Review-Document Uploaded.  - Seller-07/10/2025

Resolved-Lender provided COC for credit report fee increase.  Condition cleared.  - Due Diligence Vendor-07/11/2025  Resolved-Resolved - Due Diligence Vendor-07/11/2025

XXXXXXXXXX XXXXXXXXXX CIC.pdf

XX

Second Home

Purchase

NA

4570078

N/A

N/A

XXXX XXXX

20250827069

XXXX

XXXX

XXXX

Closed

2025-06-26 14:18

2025-07-11 15:31

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001026)

Resolved-Lender provided COC for credit report fee increase.  Condition cleared.  - Due Diligence Vendor-07/11/2025 Resolved-Resolved - Due Diligence Vendor-07/11/2025 Ready for Review-Document Uploaded.  - Seller-07/10/2025 Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($XX,XXX.XX) were applied to the total fee variance of ($XX,XXX.XX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. The Loan Estimate reflects a Credit Report Fee of $XX,XXX.XX.  The Final CD dated reflects a Credit Report Fee of $XX,XXX.XX. The loan file did not contain a valid COC to support the increase. A tolerance cure of $XX,XXX.XX is required. Section J reflects no tolerance cure. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-06/26/2025 Open- - Due Diligence Vendor-06/26/2025 Open- - Due Diligence Vendor-06/26/2025

Ready for Review-Document Uploaded.  - Seller-07/10/2025

Resolved-Lender provided COC for credit report fee increase.  Condition cleared.  - Due Diligence Vendor-07/11/2025  Resolved-Resolved - Due Diligence Vendor-07/11/2025

XXXXXXXXXX XXXXXXXXXX CIC.pdf

XX

Second Home

Purchase

NA

4570077

N/A

N/A

XXXX XXXX

20250827002

XXXX

XXXX

XXXX

Closed

2025-06-30 15:16

2025-07-17 17:53

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Received verification borrowers are legally present in the US.  Condition cleared.  - Due Diligence Vendor-07/17/2025 Ready for Review-Document Uploaded.  - Seller-07/16/2025 Open-Missing verification both borrowers are legally present in the US.   - Due Diligence Vendor-06/30/2025

Ready for Review-Document Uploaded.  - Seller-07/16/2025

Resolved-Received verification borrowers are legally present in the US.  Condition cleared.  - Due Diligence Vendor-07/17/2025

Residency Cards.pdf

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

4602467

N/A

N/A

XXXX XXXX

20250827002

XXXX

XXXX

XXXX

Closed

2025-06-30 11:12

2025-07-10 13:32

Resolved

1 - Information

Credit

Assets

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

Resolved-Total Qualified Assets for Reserves Post-Close of $XX,XXX.XX is equal to or greater than Total Required Reserve Amount of $XX,XXX.XX - Due Diligence Vendor-07/10/2025 Open-Total Qualified Assets for Reserves Post-Close of $XX,XXX.XX is less than Total Required Reserve Amount of $XX,XXX.XX Required reserves per GL for cash out 1 unit is 6 months for $XX,XXX.XX as well as the balance of the open-end account for $XX,XXX.XX for a total of $XX,XXX.XX. Borrowers total verified assets of $XX,XXX.XX is short $XX,XXX.XX in verified reserves.   - Due Diligence Vendor-06/30/2025

Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXX.XX is equal to or greater than Total Required Reserve Amount of $XXXXX.XX - Due Diligence Vendor-07/10/2025

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

4599000

N/A

N/A

XXXX XXXX

20250827087

XXXX

XXXX

XXXX

Closed

2025-06-27 16:33

2025-07-30 13:21

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-07/30/2025 Resolved-Final SS for sale of property on XXXX XX received.  Condition Resolved. - Due Diligence Vendor-07/21/2025 Ready for Review-Document Uploaded. Final SS for XXX XXXX XXXXXX $X,XXX,XXX.XX - - Seller-07/20/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Proof to verify Sale of Proceeds is missing.  Due to this Borrower does not have Sufficient funds for Closing - Due Diligence Vendor-06/27/2025

Ready for Review-Document Uploaded. Final SS for XXX XXXX XXXXXX $X,XXX,XXX.XX - - Seller-07/20/2025

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-07/30/2025  Resolved-Final SS for sale of property on 30th St received.  Condition Resolved. - Due Diligence Vendor-07/21/2025

Final SS XXXXXXX XX.pdf

XX

Primary Residence

Purchase

NA

4587764

N/A

N/A

XXXX XXXX

20250827087

XXXX

XXXX

XXXX

Closed

2025-06-27 15:25

2025-07-21 16:45

Resolved

1 - Information

Credit

Missing Doc

Missing final HUD-1 from sale of non-subject property

Resolved-Final SS for sale of property on XXXX XX received.  Condition Resolved. - Due Diligence Vendor-07/21/2025 Ready for Review-Document Uploaded. Final SS for XXX XXXX XXXXXX in system -X,XXX,XXX.XX  - Seller-07/20/2025 Open-Missing documentation to evidence sale of the two OREO's to support omission of existing debt and confirm net equity funds. - Due Diligence Vendor-06/27/2025

Ready for Review-Document Uploaded. Final SS for XXX XXXX XXXXXX $X,XXX,XXX.XX - - Seller-07/20/2025

Resolved-Final SS for sale of property on XXXX XX received.  Condition Resolved. - Due Diligence Vendor-07/21/2025

Final SS XXXXXXXX XX.pdf

XX

Primary Residence

Purchase

NA

4586545

N/A

N/A

XXXX XXXX

20250827087

XXXX

XXXX

XXXX

Closed

2025-07-09 19:34

2025-07-18 19:40

Resolved

1 - Information

Credit

Missing Doc

Missing Final Application (1003)

Resolved-Received final 1003.  Condition cleared.  - Due Diligence Vendor-07/18/2025 Resolved-The Final 1003 is Present - Due Diligence Vendor-07/18/2025 Ready for Review-Document Uploaded.  - Seller-07/18/2025 Open-The Final 1003 is Missing - Due Diligence Vendor-07/09/2025

Ready for Review-Document Uploaded.  - Seller-07/18/2025

Resolved-Received final 1003.  Condition cleared.  - Due Diligence Vendor-07/18/2025  Resolved-The Final 1003 is Present - Due Diligence Vendor-07/18/2025

XXXXXXXXXX Final Closing Docs.pdf

XX

Primary Residence

Purchase

NA

4754858

N/A

N/A

XXXX XXXX

20250827087

XXXX

XXXX

XXXX

Closed

2025-06-27 13:14

2025-07-18 19:39

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Received final CD.  Condition cleared.  - Due Diligence Vendor-07/18/2025 Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-07/18/2025 Ready for Review-Document Uploaded.  - Seller-07/18/2025 Open-TRID: Missing Final Closing Disclosure Missing Final Closing Disclosure, compliance will be reviewed upon receipt. Additional conditions may apply.  - Due Diligence Vendor-06/27/2025

Ready for Review-Document Uploaded.  - Seller-07/18/2025

Resolved-Received final CD.  Condition cleared.  - Due Diligence Vendor-07/18/2025  Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-07/18/2025

XXXXXXXXXX Final Closing Docs.pdf

XX

Primary Residence

Purchase

NA

4583810

N/A

N/A

XXXX XXXX

20250827087

XXXX

XXXX

XXXX

Closed

2025-07-09 22:06

2025-07-09 22:07

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. Acknowledged by Investor. - Due Diligence Vendor-07/09/2025

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. Acknowledged by Investor. - Due Diligence Vendor-07/09/2025

XX

Primary Residence

Purchase

NA

4757476

Investor Post-Close

No

XXXX XXXX

20250827081

XXXX

XXXX

XXXX

Closed

2025-06-27 12:43

2025-07-17 17:36

Resolved

1 - Information

Compliance

Disclosure

ECOA: Appraisal Not Provided to Applicant

Resolved-Received evidence the appraisal was provided to applicant.  Condition cleared.  - Due Diligence Vendor-07/17/2025 Ready for Review-Document Uploaded.  - Seller-07/16/2025 Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-06/27/2025

Ready for Review-Document Uploaded.  - Seller-07/16/2025

Resolved-Received evidence the appraisal was provided to applicant.  Condition cleared.  - Due Diligence Vendor-07/17/2025

XXXXXXXXXX Appraisal Letter.pdf

XX

Primary Residence

Purchase

NA

4583414

N/A

N/A

XXXX XXXX

20250827081

XXXX

XXXX

XXXX

Closed

2025-07-03 17:57

2025-07-07 19:55

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-07/07/2025 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/03/2025

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-07/07/2025

XX

Primary Residence

Purchase

NA

4655113

Investor Post-Close

No

XXXX XXXX

20250827112

XXXX

XXXX

XXXX

Closed

2025-06-27 14:13

2025-07-22 16:39

Cured

2 - Non-Material

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Cured-Lender provided PCCD with evidence of $XX cure. Condition cured.  - Due Diligence Vendor-07/22/2025 Resolved-Resolved - Due Diligence Vendor-07/22/2025 Ready for Review-Document Uploaded.  - Seller-07/19/2025 Open- - Due Diligence Vendor-07/07/2025 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The Creidt Report Fee increased on the CD dated XX/XX/XXXX without a valid COC. - Due Diligence Vendor-06/27/2025 Open- - Due Diligence Vendor-06/27/2025 Open- - Due Diligence Vendor-06/27/2025

Ready for Review-Document Uploaded.  - Seller-07/19/2025

Cured-Lender provided PCCD with evidence of $XX cure. Condition cured.  - Due Diligence Vendor-07/22/2025  Resolved-Resolved - Due Diligence Vendor-07/22/2025

XXXXXXX XXXXXXXXXX cure.pdf

XX

Primary Residence

Purchase

NA

4584665

N/A

N/A

XXXX XXXX

20250827112

XXXX

XXXX

XXXX

Closed

2025-06-27 14:13

2025-07-22 16:39

Cured

2 - Non-Material

Compliance

TRID Tolerance

Charges That Cannot Increase Test (50001251)

Cured-Lender provided PCCD with evidence of $XX cure. Condition cured.  - Due Diligence Vendor-07/22/2025 Resolved-Resolved - Due Diligence Vendor-07/22/2025 Ready for Review-Document Uploaded.  - Seller-07/19/2025 Open- - Due Diligence Vendor-07/07/2025 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Loan Estimate dated XX/XX/XXXX reflects acredit report fee of $XXX.  Final CD dated XX/XX/XXXX reflects a Credit Report fee of $XXX. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-06/27/2025 Open- - Due Diligence Vendor-06/27/2025 Open- - Due Diligence Vendor-06/27/2025

Ready for Review-Document Uploaded.  - Seller-07/19/2025

Cured-Lender provided PCCD with evidence of $XX cure. Condition cured.  - Due Diligence Vendor-07/22/2025  Resolved-Resolved - Due Diligence Vendor-07/22/2025

XXXXXXXX XXXXXXXXXX cure.pdf

XX

Primary Residence

Purchase

NA

4584663

N/A

N/A

XXXX XXXX

20250827084

XXXX

XXXX

XXXX

Closed

2025-07-01 15:10

2025-07-01 18:59

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-07/01/2025 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/01/2025

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-07/01/2025

XX

Primary Residence

Purchase

NA

4616127

Investor Post-Close

No

XXXX XXXX

20250827106

XXXX

XXXX

XXXX

Closed

2025-06-30 17:09

2025-07-03 17:32

Resolved

1 - Information

Compliance

Disclosure

ECOA: Appraisal Not Provided to Applicant

Resolved-Evidence appraisal was provided to applicant provided.  Condition resolved.   - Due Diligence Vendor-07/03/2025 Ready for Review-Document Uploaded.  - Seller-07/03/2025 Counter-Received appraisal transfer letter from XXX to XXXXXXXX.  Please provide evidence appraisal was provided to applicant.  Condition remains.   - Due Diligence Vendor-07/03/2025 Ready for Review-Document Uploaded. Appraisal was transferred - Seller-07/02/2025 Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-06/30/2025

Ready for Review-Document Uploaded.  - Seller-07/03/2025  Ready for Review-Document Uploaded. Appraisal was transferred - Seller-07/02/2025

Resolved-Evidence appraisal was provided to applicant provided.  Condition resolved.   - Due Diligence Vendor-07/03/2025

AD Transfer Letter -XXXXXXXXXX.pdf XXXXXXXXXX Appraisal Receipt.pdf

XX

Primary Residence

Purchase

NA

4604543

N/A

N/A

XXXX XXXX

20250827106

XXXX

XXXX

XXXX

Closed

2025-06-30 17:32

2025-06-30 19:19

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged by Investor - Due Diligence Vendor-06/30/2025 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/30/2025

Acknowledged-Acknowledged by Investor - Due Diligence Vendor-06/30/2025

XX

Primary Residence

Purchase

NA

4605019

Investor Post-Close

No

XXXX XXXX

20250827082

XXXX

XXXX

XXXX

Closed

2025-07-09 17:21

2025-07-30 23:26

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-07/09/2025 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/09/2025

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-07/09/2025

XX

Primary Residence

Purchase

NA

4751849

Investor Post-Close

No

XXXX XXXX

20250827114

XXXX

XXXX

XXXX

Closed

2025-06-30 11:26

2025-07-18 20:13

Resolved

1 - Information

Credit

Missing Doc

Missing Mortgage/Deed of Trust

Resolved-Received recorded DOT.  Condition cleared.  - Due Diligence Vendor-07/18/2025 Resolved-The Deed of Trust is Present - Due Diligence Vendor-07/18/2025 Ready for Review-Document Uploaded.  - Seller-07/18/2025 Open-The Deed of Trust is Missing. Additional conditions may apply. - Due Diligence Vendor-06/30/2025

Ready for Review-Document Uploaded.  - Seller-07/18/2025

Resolved-Received recorded DOT.  Condition cleared.  - Due Diligence Vendor-07/18/2025  Resolved-The Deed of Trust is Present - Due Diligence Vendor-07/18/2025

XXXXXXXXXX DOT.pdf

XX

Primary Residence

Purchase

NA

4599103

N/A

N/A

XXXX XXXX

20250827114

XXXX

XXXX

XXXX

Closed

2025-07-08 21:09

2025-07-08 22:31

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-07/08/2025 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/08/2025

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-07/08/2025

XX

Primary Residence

Purchase

NA

4740201

Investor Post-Close

No

XXXX XXXX

20250827115

XXXX

XXXX

XXXX

Closed

2025-07-18 15:54

2025-07-30 23:26

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. Acknowledged by investor. - Due Diligence Vendor-07/18/2025

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. Acknowledged by investor. - Due Diligence Vendor-07/18/2025

XX

Primary Residence

Purchase

NA

4869677

Investor Post-Close

No

XXXX XXXX

20250827003

XXXX

XXXX

XXXX

Closed

2025-05-15 17:52

2025-07-11 13:44

Cured

2 - Non-Material

Compliance

Right to Rescind

TILA: Incorrect NORTC model provided - H8 equal or after 7/5/2018 (non-material jurisdictions)

Cured-LOE, Updated RTC (unexecuted) and Evidence of delivery provided.  This condition has been cured post close.  - Due Diligence Vendor-07/11/2025 Counter-The processor cert requested that they Borrowers sign, date and return the RTC form.  Please provide the executed RTC form.   - Due Diligence Vendor-07/09/2025 Returned-Document Uploaded.  - Seller-06/24/2025 Escalated-EV3/Material is correct per Client Grading Requirements.  Escalated for Client Review. - Due Diligence Vendor-06/04/2025 Ready for Review-Document Uploaded.  - Seller-06/03/2025 Ready for Review-Document Uploaded.  - Seller-06/03/2025 Counter-5/29/25-The lender provided a copy of the H8 NORTC form signed at closing and a copy of portion of BI from the title commitment which supports same lender refinance. The NORTC model used is determined by the lender who originated the loan and not the servicer. Condition maintained.  - Due Diligence Vendor-05/29/2025 Ready for Review-Document Uploaded.  - Seller-05/29/2025 Open-Grading updated to EVC/Material. - Due Diligence Vendor-05/23/2025 Open- - Due Diligence Vendor-05/22/2025 Open-TILA: Incorrect NORTC model provided - H8 equal or after XX/XX/XXXX (non-material jurisdictions) H-8 vs. H-9 used for same lender refinance.  B exception grade for circuits in which there is no ruling.   - Due Diligence Vendor-05/15/2025

Ready for Review-Document Uploaded.  - Seller-06/03/2025  Ready for Review-Document Uploaded.  - Seller-06/03/2025  Ready for Review-Document Uploaded.  - Seller-05/29/2025

Cured-LOE, Updated RTC (unexecuted) and Evidence of delivery provided.  This condition has been cured post close.  - Due Diligence Vendor-07/11/2025

XXXXXXXX XXXXXXXXXX.pdf Response (1).pdf XXXXXXXXXX XXXXXXXX.pdf XXXXXXXX XXXXXXXXXXX ROR response.pdf XXXXXXXXXX NRTC.pdf

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

4153688

N/A

N/A

XXXX XXXX

20250827003

XXXX

XXXX

XXXX

Closed

2025-05-15 17:14

2025-05-22 19:54

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Homeownership Counseling Organizations Disclosure Missing or Incomplete

Acknowledged-Acknowledged by client.  This finding is deemed non-material and will be rated an B.  - Due Diligence Vendor-05/22/2025 Open-Homeownership Counseling Organizations Disclosure Missing or Incomplete This finding is non-material and will be rated a B for all agencies.   - Due Diligence Vendor-05/15/2025

Acknowledged-Acknowledged by client.  This finding is deemed non-material and will be rated an B.  - Due Diligence Vendor-05/22/2025

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

4153018

Investor Post-Close

No

XXXX XXXX

20250827003

XXXX

XXXX

XXXX

Closed

2025-05-15 17:14

2025-05-22 19:54

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by client.  This finding is deemed non-material and will be rated an B.  - Due Diligence Vendor-05/22/2025 Open-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies.   - Due Diligence Vendor-05/15/2025

Acknowledged-Acknowledged by client.  This finding is deemed non-material and will be rated an B.  - Due Diligence Vendor-05/22/2025

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

4153019

Investor Post-Close

No