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?

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929005

XXXX

Closed

2025-06-XX 13:55

2025-08-08 17:35

Resolved

1 - Information

Compliance

Missing Doc

PUD Rider is Missing

Resolved-Received PUD Rider. Condition cleared. - Due Diligence Vendor-08/08/2025

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

Open-Missing Mortgage Riders – PUD Rider - Due Diligence Vendor-06/27/2025

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

Resolved-Received PUD Rider. Condition cleared. - Due Diligence Vendor-08/08/2025

XXXXXXX XXXXXXXXXX DOT XXXX XXXX.pdf

Primary Residence

Refinance

No Cash Out - Borrower Initiated

4584363

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929005

XXXX

Closed

2025-07-XX 13:04

2025-08-08 17:32

Resolved

1 - Information

Credit

Missing Doc

Missing Mortgage/Deed of Trust - Not Recorded

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

Resolved-Evidence of Mortgage Recording is present or Mortgage has been sent for Recording - Due Diligence Vendor-07/17/2025

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

Open-Missing evidence of Mortgage recording No recording fee collected on final CD - Due Diligence Vendor-07/07/2025

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

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

Resolved-Evidence of Mortgage Recording is present or Mortgage has been sent for Recording - Due Diligence Vendor-07/17/2025

XXXXXXXXXX Recorded DOT.pdf

Primary Residence

Refinance

No Cash Out - Borrower Initiated

4674731

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929005

XXXX

Closed

2025-07-XX 13:14

2025-07-07 18:00

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

Primary Residence

Refinance

No Cash Out - Borrower Initiated

4674856

Investor Post-Close

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929004

XXXX

Closed

2025-06-XX 15:31

2025-08-20 10:01

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-08/20/2025

Resolved-Document Uploaded. Confirmed XXX Fees match origination figures. Condition resolved. - Due Diligence Vendor-08/14/2025

Ready for Review-Document Uploaded. - Seller-08/14/2025

Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Missing XXX on subject property - Due Diligence Vendor-06/30/2025

Ready for Review-Document Uploaded. - Seller-08/14/2025

Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-08/20/2025

Resolved-Document Uploaded. Confirmed XXX Fees match origination figures. Condition resolved. - Due Diligence Vendor-08/14/2025

XXX Due Confirmation XXXXXXXXXX.docx

XXXXXXXXXX - RF XXX.pdf

Primary Residence

Purchase

4602788

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929004

XXXX

Closed

2025-06-XX 15:36

2025-08-14 19:02

Resolved

1 - Information

Credit

Missing Doc

Missing Evidence of HOA Dues for Primary Residence

Resolved-Document Uploaded. XXX figure confirmed. Lender contacted Management Company. Condition Resolved. - Due Diligence Vendor-08/14/2025

Ready for Review-Document Uploaded. email from XXX management company confirming monthly XXX assessment amount is $XX - Seller-08/14/2025

Open-Missing Evidence of XXX Dues for Primary Residence - Due Diligence Vendor-06/30/2025

Ready for Review-Document Uploaded. email from XXX management company confirming monthly XXX assessment amount is $XX - Seller-08/14/2025

Resolved-Document Uploaded. XXX figure confirmed. Lender contacted Management Company. Condition Resolved. - Due Diligence Vendor-08/14/2025

XXX Due Confirmation XXXXXXXXXX.docx

XXXXXXXXXX - RF XXX.pdf

Primary Residence

Purchase

4602858

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929013

XXXX

Closed

2025-07-XX 14:11

2025-08-08 15:20

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Final Title received. Condition Resolved. - Due Diligence Vendor-08/08/2025

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

Open-Title Document is missing - Due Diligence Vendor-07/16/2025

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

Resolved-Final Title received. Condition Resolved. - Due Diligence Vendor-08/08/2025

XXXXXXXXXX Title Policy.pdf

Primary Residence

Purchase

4833830

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929010

XXXX

Closed

2025-07-XX 16:34

2025-08-05 16:50

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Lease Agreement Received. Condition Resolved. - Due Diligence Vendor-08/05/2025

Counter-The attached lease agreement will not open and is indicating an error. Please resubmit. - Due Diligence Vendor-07/31/2025

Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-07/31/2025

Ready for Review-Document Uploaded. - Seller-07/29/2025

Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing Rental Income Documentation for XXX on the final Loan Application. Rental income for the departure residence was used to qualify, but file does not have any documentation for it. - Due Diligence Vendor-07/16/2025

Ready for Review-Document Uploaded. - Seller-07/29/2025

Resolved-Lease Agreement Received. Condition Resolved. - Due Diligence Vendor-08/05/2025

Lease Agreement.pdf

Primary Residence

Purchase

4837653

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929010

XXXX

Closed

2025-07-XX 16:27

2025-08-05 16:47

Resolved

1 - Information

Credit

Missing Doc

Missing Rental Income Documentation for REO

Resolved-Lease Agreement received. Condition Resolved. - Due Diligence Vendor-08/05/2025

Ready for Review-Document Uploaded. - Seller-08/04/2025

Counter-The attached lease agreement will not open and is indicating an error. Please resubmit. - Due Diligence Vendor-07/31/2025

Ready for Review-Document Uploaded. - Seller-07/29/2025

Open-Missing Rental Income Documentation for REO listed on the application. Missing Rental Income Documentation for XXX on the final Loan Application (the departure residence). Rental income for the departure residence was used to qualify, but file does not have any documentation for it. - Due Diligence Vendor-07/16/2025

Ready for Review-Document Uploaded. - Seller-08/04/2025

Ready for Review-Document Uploaded. - Seller-07/29/2025

Resolved-Lease Agreement received. Condition Resolved. - Due Diligence Vendor-08/05/2025

Lease Agreement.pdf

Primary Residence

Purchase

4837435

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929010

XXXX

Closed

2025-07-XX 17:15

2025-07-31 17:18

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Received post-closing VVOE. Condition cleared.

- Due Diligence Vendor-07/31/2025

Open-ATR Risk - Employment validation/verification standards do not meet requirements - Due Diligence Vendor-07/31/2025

Resolved-Received post-closing VVOE. Condition cleared.

- Due Diligence Vendor-07/31/2025

Primary Residence

Purchase

5010185

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929010

XXXX

Closed

2025-07-XX 15:16

2025-07-31 17:16

Cured

2 - Non-Material

Credit

Missing Doc

Missing 3rd Party Verbal Verification of Employment (Borrower)

Cured-Received post-closing VVOE. Condition cured. This finding is deemed non-material and will be rated an B.

- Due Diligence Vendor-07/31/2025

Counter-Received VVOE dated XX/XX/XXXX which is after the Note date of XX/XX/XXXX. Please provide a VVOE dated prior to close. Condition remains. - Due Diligence ndor-07/31/2025

Ready for Review-Document Uploaded. - Seller-07/29/2025

Open-Missing 3rd Party Verbal Verification of Employment dated within 10 business days of the Note date. Verification of employment in file is dated over 10 days from Note Date. Note: Borrower is less than 25% owner of the business, so he is not considered to be self-employed and the employment verification must be within 10 business days of Note date. - Due Diligence Vendor-07/22/2025

Ready for Review-Document Uploaded. - Seller-07/29/2025

Cured-Received post-closing VVOE. Condition cured. This finding is deemed non-material and will be rated an B.

- Due Diligence Vendor-07/31/2025

Updated VOE.pdf

Primary Residence

Purchase

4903733

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929036

XXXX

Closed

2025-07-XX 14:52

2025-08-06 15:39

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Evidence of Taxes, HOI, XXX provided for REO. Condition Resolved. - Due Diligence Vendor-08/06/2025

Ready for Review-Document Uploaded. - Seller-08/05/2025

Open-Require evidence of Taxes & HOI for REO property. - Due Diligence Vendor-07/17/2025

Ready for Review-Document Uploaded. - Seller-08/05/2025

Resolved-Evidence of Taxes, HOI, XXX provided for REO. Condition Resolved. - Due Diligence Vendor-08/06/2025

XXX.pdf

HOI.pdf

Mortgage Statement.pdf

Taxes.pdf

Primary Residence

Purchase

4851474

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929032

XXXX

Closed

2025-07-XX 18:42

2025-08-05 16:24

Resolved

1 - Information

Compliance

Missing Doc

Homeownership Counseling Disclosure Is Missing

Resolved-Homeownership Counseling Disclosure dated XX/XX/XXXX provided. Condition Resolved. - Due Diligence Vendor-08/05/2025

Ready for Review-Document Uploaded. - Seller-08/04/2025

Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-07/15/2025

Ready for Review-Document Uploaded. - Seller-08/04/2025

Resolved-Homeownership Counseling Disclosure dated XX/XX/XXXX provided. Condition Resolved. - Due Diligence Vendor-08/05/2025

XDocDocument - XXXX-XX-XXXXXXXXX.XXX.pdf

Second Home

Purchase

4825480

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929028

XXXX

Closed

2025-07-XX 16:41

2025-08-06 15:42

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-08/06/2025

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-Acknowledged by Investor. - Due Diligence Vendor-08/06/2025

Primary Residence

Refinance

No Cash Out - Borrower Initiated

4920933

Investor Post-Close

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929014

XXXX

Closed

2025-07-XX 15:30

2025-08-06 15:47

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-08/06/2025

Open-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P only and A for all other Agencies. - Due Diligence Vendor-07/25/2025

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-08/06/2025

Primary Residence

Purchase

4948120

Investor Post-Close

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929014

XXXX

Closed

2025-07-XX 13:41

2025-07-31 16:26

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Received Borrower 2 credit report. Condition cleared. - Due Diligence Vendor-07/31/2025

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-07/31/2025

Ready for Review-Document Uploaded. - Seller-07/29/2025

Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Borrower 2 credit report is missing from loan file. Borrower 2 debts entered based on loan application. Additional findings may apply when credit report is received. - Due Diligence Vendor-07/22/2025

Ready for Review-Document Uploaded. - Seller-07/29/2025

Resolved-Received Borrower 2 credit report. Condition cleared. - Due Diligence Vendor-07/31/2025

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-07/31/2025

XXXXX XXXXXXXXXX Credit Report.html

Primary Residence

Purchase

4901224

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929014

XXXX

Closed

2025-07-XX 13:41

2025-07-31 16:26

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Credit Report is Missing

Resolved-Received Borrower 2 credit report. Condition cleared. - Due Diligence Vendor-07/31/2025

Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-07/31/2025

Ready for Review-Document Uploaded. - Seller-07/29/2025

Open-Borrower 2 Credit Report is Missing. Borrower 2 credit report is missing from loan file. Borrower 2 debts entered based on loan application. Additional findings may apply when credit report is received. - Due Diligence Vendor-07/22/2025

Ready for Review-Document Uploaded. - Seller-07/29/2025

Resolved-Received Borrower 2 credit report. Condition cleared. - Due Diligence Vendor-07/31/2025

Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-07/31/2025

XXXXX XXXXXXXXXX Credit Report.html

Primary Residence

Purchase

4901220

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929021

XXXX

Closed

2025-07-XX 15:43

2025-08-06 15:30

Resolved

1 - Information

Compliance

Disclosure

ECOA: Appraisal Not Provided to Applicant

Resolved-Evidence of Appraisal Delivery provided. Condition Resolved. - Due Diligence Vendor-08/06/2025

Ready for Review-Document Uploaded. - Seller-08/06/2025

Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-07/25/2025

Ready for Review-Document Uploaded. - Seller-08/06/2025

Resolved-Evidence of Appraisal Delivery provided. Condition Resolved. - Due Diligence Vendor-08/06/2025

XXXXXXXXXX Sent by Mail.pdf

Primary Residence

Purchase

4948419

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929021

XXXX

Closed

2025-07-XX 16:36

2025-07-29 16:36

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. 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-07/29/2025

Primary Residence

Purchase

4981611

Investor Post-Close

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929050

XXXX

Closed

2025-07-XX 17:46

2025-08-06 15:27

Resolved

1 - Information

Compliance

Disclosure

ECOA: Appraisal Not Provided to Applicant

Resolved-Evidence of e-delivery provided. Condition Resolved. - Due Diligence Vendor-08/06/2025

Ready for Review-Document Uploaded. - Seller-08/06/2025

Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-07/28/2025

Ready for Review-Document Uploaded. - Seller-08/06/2025

Resolved-Evidence of e-delivery provided. Condition Resolved. - Due Diligence Vendor-08/06/2025

XXXXXXXXXX Mail.pdf

XXXXXXXXXX Mail2.pdf

Primary Residence

Purchase

4968405

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929042

XXXX

Closed

2025-07-XX 18:42

2025-08-14 15:28

Resolved

1 - Information

Property

Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided

Resolved-Received PDI evidencing no damage. Condition cleared. - Due Diligence Vendor-08/14/2025

Resolved-Post incident inspection provided - Due Diligence Vendor-08/14/2025

Ready for Review-Document Uploaded. - Seller-08/14/2025

Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-07/28/2025

Ready for Review-Document Uploaded. - Seller-08/14/2025

Resolved-Received PDI evidencing no damage. Condition cleared. - Due Diligence Vendor-08/14/2025

Resolved-Post incident inspection provided - Due Diligence Vendor-08/14/2025

XXXXXXXXXX PDI.pdf

Primary Residence

Refinance

No Cash Out - Borrower Initiated

4969579

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929042

XXXX

Closed

2025-07-XX 16:49

2025-07-29 18:57

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-07/29/2025

Primary Residence

Refinance

No Cash Out - Borrower Initiated

4981841

Investor Post-Close

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929045

XXXX

Closed

2025-07-XX 08:08

2025-08-15 15:55

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Received statement for pension income. Condition cleared. - Due Diligence Vendor-08/15/2025

Ready for Review-Document Uploaded. Source Account - Seller-08/14/2025

Counter-Lender provided a joint investment account statement that was provided in the loan file. The 1003 for B3 reflects qualifying income of $XX,XXX.XX per month in retirement income. The AUS reflects $XX,XXX.XX in pension income for B3. The loan file has 3 months of joint bank statements for the account #XXXX and only 1 of the statements reflect a $XX,XXX.XX deposit but the source is not documented. Condition remains. - Due Diligence Vendor-08/08/2025

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

Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Borrower 3 retirement income documents are missing - Due Diligence Vendor-07/27/2025

Ready for Review-Document Uploaded. Source Account - Seller-08/14/2025

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

Resolved-Received statement for pension income. Condition cleared. - Due Diligence Vendor-08/15/2025

XXXXXXXXXX Retirement Income2.pdf

XXXXXXXXXX Source of returement income.pdf

Primary Residence

Purchase

4958727

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929045

XXXX

Closed

2025-07-XX 07:51

2025-08-15 15:54

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Received statement for pension income. Condition cleared. - Due Diligence Vendor-08/15/2025

Ready for Review-Document Uploaded. Source Account - XXX-XXXXX-X-X - Seller-08/14/2025

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

Open-Retirement income document is missing for B3. Additional conditions may apply - Due Diligence Vendor-07/27/2025

Ready for Review-Document Uploaded. Source Account - XXX-XXXXX-X-X- Seller-08/14/2025

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

Resolved-Received statement for pension income. Condition cleared. - Due Diligence Vendor-08/15/2025

XXXXXXXXXX Retirement Income2.pdf

XXXXXXXXXX Source of returement income.pdf

Primary Residence

Purchase

4958719

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929045

XXXX

Closed

2025-08-XX 15:25

2025-08-08 15:25

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

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

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-08/08/2025

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

Primary Residence

Purchase

5111576

Investor Post-Close

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929045

XXXX

Closed

2025-07-XX 19:08

2025-08-08 15:24

Resolved

1 - Information

Property

Value

Missing Valuation Review Product - 1

Resolved-AVM supporting value received. Condition Resolved. - Due Diligence Vendor-08/08/2025

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

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-07/31/2025

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

Resolved-AVM supporting value received. Condition Resolved. - Due Diligence Vendor-08/08/2025

XXXXXXXXXX Home Value Estimator Tool _ XXXXXXXXXX XXX.pdf

Primary Residence

Purchase

5012670

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929038

XXXX

Closed

2025-07-XX 18:21

2025-08-15 15:57

Resolved

1 - Information

Property

Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided

Resolved-Received PDI that did not reflect any disaster related damages. Condition cleared. - Due Diligence Vendor-08/15/2025

Resolved-Post incident inspection provided - Due Diligence Vendor-08/15/2025

Ready for Review-Document Uploaded. - Seller-08/14/2025

Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-07/23/2025

Ready for Review-Document Uploaded. - Seller-08/14/2025

Resolved-Received PDI that did not reflect any disaster related damages. Condition cleared. - Due Diligence Vendor-08/15/2025

Resolved-Post incident inspection provided - Due Diligence Vendor-08/15/2025

XXXXXXXXXX PDI.pdf

Primary Residence

Purchase

4923081

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929038

XXXX

Closed

2025-07-XX 18:11

2025-08-05 16:29

Resolved

1 - Information

Credit

Missing Doc

Missing Purchase Contract

Resolved-Purchase Contract received. Condition Resolved. - Due Diligence Vendor-08/05/2025

Ready for Review-Document Uploaded. - Seller-08/04/2025

Counter-Attached pdf has an error and will not open. Please resubmit new document. Condition remains. - Due Diligence Vendor-08/01/2025

Ready for Review-Document Uploaded. - Seller-08/01/2025

Open-Missing Purchase Contract - Due Diligence Vendor-07/23/2025

Ready for Review-Document Uploaded. - Seller-08/04/2025

Ready for Review-Document Uploaded. - Seller-08/01/2025

Resolved-Purchase Contract received. Condition Resolved. - Due Diligence Vendor-08/05/2025

XXXXXXX XXXXXXXXXX Contract.pdf

One to Four Family Residential Contract.pdf

Primary Residence

Purchase

4922775

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929059

XXXX

Closed

2025-07-XX 19:20

2025-08-06 15:46

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-08/06/2025

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-07/29/2025

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-08/06/2025

Primary Residence

Refinance

No Cash Out - Borrower Initiated

4985067

Investor Post-Close

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929054

XXXX

Closed

2025-07-XX 13:17

2025-08-06 10:12

Resolved

1 - Information

Compliance

Tolerance:Disclosure

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

Resolved-Received evidence the revised LE was received the same day it was issued. Condition cleared. - Due Diligence Vendor-08/06/2025

Resolved-Resolved - Due Diligence Vendor-08/06/2025

Ready for Review-Document Uploaded. - Seller-08/05/2025

Open-A revised Loan Estimate was provided on (XX/XX/XXXX) via (XXX). 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-07/22/2025

Open- - Due Diligence Vendor-07/22/2025

Ready for Review-Document Uploaded. - Seller-08/05/2025

Resolved-Received evidence the revised LE was received the same day it was issued. Condition cleared. - Due Diligence Vendor-08/06/2025

Resolved-Resolved - Due Diligence Vendor-08/06/2025

XXXXX XXXXXXXXXX LE response.pdf

Primary Residence

Purchase

4900879

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929034

XXXX

Closed

2025-07-XX 16:35

2025-07-31 16:43

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Received verification of REO 3c property taxes. Condition cleared. - Due Diligence Vendor-07/31/2025

Ready for Review-Document Uploaded. - Seller-07/29/2025

Open-The file is missing verification of REO 3c property Tax document. - Due Diligence Vendor-07/16/2025

Ready for Review-Document Uploaded. - Seller-07/29/2025

Resolved-Received verification of REO 3c property taxes. Condition cleared. - Due Diligence Vendor-07/31/2025

XXXXXXXXXX XXXXXXXXXX Taxes.pdf

Second Home

Purchase

4837669

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929034

XXXX

Closed

2025-07-XX 21:35

2025-07-23 21:35

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-07/23/2025

Second Home

Purchase

4926400

Investor Post-Close

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929027

XXXX

Closed

2025-07-XX 13:30

2025-07-24 22:57

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

Primary Residence

Purchase

4931021

Investor Post-Close

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929037

XXXX

Closed

2025-07-XX 16:03

2025-07-29 16:03

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-07/29/2025

Primary Residence

Purchase

4980926

Investor Post-Close

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929026

XXXX

Closed

2025-07-XX 14:40

2025-07-29 15:21

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Received title commitment. Condition cleared. - Due Diligence Vendor-07/29/2025

Resolved-Title Document is not Missing - Due Diligence Vendor-07/29/2025

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

Open-Title Document is missing - Due Diligence Vendor-07/15/2025

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

Resolved-Received title commitment. Condition cleared. - Due Diligence Vendor-07/29/2025

Resolved-Title Document is not Missing - Due Diligence Vendor-07/29/2025

XXXXXXXXXX Title Commitment.pdf

Primary Residence

Purchase

4819129

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929026

XXXX

Closed

2025-07-XX 19:00

2025-07-23 19:06

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Primary Residence

Purchase

4923802

Investor Post-Close

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929029

XXXX

Closed

2025-07-XX 16:49

2025-07-24 22:58

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Primary Residence

Purchase

4935568

Investor Post-Close

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929018

XXXX

Closed

2025-07-XX 13:08

2025-07-29 15:49

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-07/29/2025

Primary Residence

Purchase

4976802

Investor Post-Close

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929015

XXXX

Closed

2025-07-XX 16:08

2025-07-29 15:52

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/29/2025

Primary Residence

Purchase

4966463

Investor Post-Close

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929024

XXXX

Closed

2025-07-XX 15:57

2025-07-31 16:53

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Received complete AUS. Condition cleared. - Due Diligence Vendor-07/31/2025

Ready for Review-Document Uploaded. - Seller-07/29/2025

Open-It appears the most recent LP in file has 9 submissions. Only the 1st page is provided. The other pages appear to be intermingled with many other AUS reports and page numbers are cut off. Provide the most recent and complete LP. - Due Diligence Vendor-07/23/2025

Ready for Review-Document Uploaded. - Seller-07/29/2025

Resolved-Received complete AUS. Condition cleared. - Due Diligence Vendor-07/31/2025

LPA #9.pdf

1008.pdf

Primary Residence

Purchase

4919993

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929024

XXXX

Closed

2025-07-XX 16:51

2025-07-23 19:06

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-07/23/2025

Primary Residence

Purchase

4921098

Investor Post-Close

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929025

XXXX

Closed

2025-07-XX 18:46

2025-07-31 16:48

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Received most recent AUS with all pages. Condition cleared. - Due Diligence Vendor-07/31/2025

Ready for Review-Document Uploaded. - Seller-07/29/2025

Open-The file contains multiple AUS reports. Many of the pages are intermingled with other reports and do not provide page numbers. Provide the most recent and complete LP report. - Due Diligence Vendor-07/23/2025

Ready for Review-Document Uploaded. - Seller-07/29/2025

Resolved-Received most recent AUS with all pages. Condition cleared. - Due Diligence Vendor-07/31/2025

1008.pdf

LPA #24.pdf

Primary Residence

Purchase

4923525

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929025

XXXX

Closed

2025-07-XX 19:45

2025-07-29 15:25

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Received title commitment. Condition cleared. - Due Diligence Vendor-07/29/2025

Resolved-Title Document is not Missing - Due Diligence Vendor-07/29/2025

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

Open-Title Document is missing - Due Diligence Vendor-07/21/2025

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

Resolved-Received title commitment. Condition cleared. - Due Diligence Vendor-07/29/2025

Resolved-Title Document is not Missing - Due Diligence Vendor-07/29/2025

XXXXXXXXXXTitle Commitment.pdf

Primary Residence

Purchase

4893620

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929023

XXXX

Closed

2025-07-XX 12:50

2025-08-04 15:08

Resolved

1 - Information

Credit

Missing Doc

Missing Borrower Identification - Borrower 1

Resolved-Received borrower identification verification. Condition cleared. - Due Diligence Vendor-08/04/2025

Ready for Review-Document Uploaded. Per XXXX B2-2-01, Lenders must confirm each borrower’s identity prior to the extension of credit. This is accomplished through the attached USA Patriot Act Information Form. - Seller-08/01/2025

Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-07/28/2025

Resolved-Received borrower identification verification. Condition cleared. - Due Diligence Vendor-08/04/2025

XXXXXX XXXXX XXXXXXXXXX US Patriot Act.pdf

Primary Residence

Purchase

4961834

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929023

XXXX

Closed

2025-07-XX 19:41

2025-07-29 15:57

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-07/29/2025

Primary Residence

Purchase

4970775

Investor Post-Close

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929016

XXXX

Closed

2025-07-XX 21:56

2025-07-25 21:56

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-07/25/2025

Primary Residence

Purchase

4954862

Investor Post-Close

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929022

XXXX

Closed

2025-07-XX 19:48

2025-07-24 23:00

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Primary Residence

Purchase

4939256

Investor Post-Close

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929019

XXXX

Closed

2025-07-XX 18:22

2025-07-25 15:27

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Primary Residence

Purchase

4937450

Investor Post-Close

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929044

XXXX

Closed

2025-07-XX 19:08

2025-07-31 16:35

Resolved

1 - Information

Property

Value

Missing Valuation Review Product - 1

Resolved-Received secondary valuation. Condition cleared. - Due Diligence Vendor-07/31/2025

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-07/31/2025

Ready for Review-Document Uploaded. - Seller-07/29/2025

Open-A valid secondary valuation supporting the origination appraisal value is not present. Both the Collateral Underwriter and LCA scores were over 2.5. Guidelines require either a XXXXX XXXXXXX or XXXXXXXX0 HVE AVM. A XXXXX XXXXXXX CDA can also be ordered in place of the AVM. AVM in file was from XXX and did not meet guideline requirements. - Due Diligence Vendor-07/25/2025

Ready for Review-Document Uploaded. - Seller-07/29/2025

Resolved-Received secondary valuation. Condition cleared. - Due Diligence Vendor-07/31/2025

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-07/31/2025

XXXX XXXXXXXXXX AVM.pdf

Primary Residence

Purchase

4952284

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929044

XXXX

Closed

2025-07-XX 19:11

2025-07-31 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-07/31/2025

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. SP Grade yet undetermined. - Due Diligence Vendor-07/25/2025

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-07/31/2025

Primary Residence

Purchase

4952346

Investor Post-Close

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929052

XXXX

Closed

2025-07-XX 16:39

2025-07-29 16:39

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-07/29/2025

Primary Residence

Purchase

4981652

Investor Post-Close

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929049

XXXX

Closed

2025-07-XX 16:42

2025-07-29 16:42

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-07/29/2025

Primary Residence

Purchase

4981716

Investor Post-Close

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929043

XXXX

Closed

2025-07-XX 19:03

2025-08-01 14:33

Resolved

1 - Information

Credit

Missing Doc

Approval/Underwriting Summary Not Provided

Resolved-Received 1008. Condition cleared. - Due Diligence Vendor-08/01/2025

Ready for Review-Document Uploaded. - Seller-08/01/2025

Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-07/28/2025

Ready for Review-Document Uploaded. - Seller-08/01/2025

Resolved-Received 1008. Condition cleared. - Due Diligence Vendor-08/01/2025

XXXXX XXXXXXXXXX 1008.pdf

Primary Residence

Purchase

4970024

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929043

XXXX

Closed

2025-07-XX 18:22

2025-07-29 19:03

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-07/29/2025

Primary Residence

Purchase

4984001

Investor Post-Close

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929040

XXXX

Closed

2025-07-XX 15:18

2025-08-01 14:25

Resolved

1 - Information

Credit

Missing Doc

Approval/Underwriting Summary Not Provided

Resolved-Received 1008. Condition cleared. - Due Diligence Vendor-08/01/2025

Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-08/01/2025

Ready for Review-Document Uploaded. - Seller-08/01/2025

Open-Missing Approval/Underwriting Summary Approval/Underwriting Summary Not Provided

- Due Diligence Vendor-07/23/2025

Ready for Review-Document Uploaded. - Seller-08/01/2025

Resolved-Received 1008. Condition cleared. - Due Diligence Vendor-08/01/2025

Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-08/01/2025

XXXX XXXXXXXXXX 1008.pdf

Primary Residence

Purchase

4918983

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929062

XXXX

Closed

2025-08-XX 16:49

2025-08-04 16:49

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-08/04/2025

Primary Residence

Purchase

5043800

Investor Post-Close

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929055

XXXX

Closed

2025-07-XX 17:02

2025-07-29 17:02

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-07/29/2025

Second Home

Purchase

4982172

Investor Post-Close

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929057

XXXX

Closed

2025-07-XX 11:27

2025-08-08 13:54

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Received XXXX Business tax return with K-1. Condition cleared. - Due Diligence Vendor-08/04/2025

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-08/04/2025

Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Borrower 1 is self-employed. File only contains the 1st page of the XXXX Business Tax Returns. Need all pages of the business tax returns, including K-1 statement. - Due Diligence Vendor-07/23/2025

Resolved-Received 2024 Business tax return with K-1. Condition cleared. - Due Diligence Vendor-08/04/2025

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-08/04/2025

Primary Residence

Purchase

4915023

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929057

XXXX

Closed

2025-07-XX 11:28

2025-08-04 15:22

Resolved

1 - Information

Credit

Missing Doc

Missing income documentation

Resolved-Received XXXX Business tax return with K-1. Condition cleared. - Due Diligence Vendor-08/04/2025

Ready for Review-Document Uploaded. - Seller-08/01/2025

Open-Borrower 1 is self-employed. File only contains the 1st page of the XXXX Business Tax Returns. Need all pages of the business tax returns, including K-1 statement. - Due Diligence Vendor-07/23/2025

Ready for Review-Document Uploaded. - Seller-08/01/2025

Resolved-Received 2024 Business tax return with K-1. Condition cleared. - Due Diligence Vendor-08/04/2025

XXXXXXX XXXXXXXXXX XXXX Fed Business Return.pdf

Primary Residence

Purchase

4915032

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929057

XXXX

Closed

2025-07-XX 21:02

2025-07-29 17:05

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-07/29/2025

Primary Residence

Purchase

4972253

Investor Post-Close

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929056

XXXX

Closed

2025-07-XX 15:51

2025-07-29 19:14

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-07/29/2025

Primary Residence

Purchase

4980545

Investor Post-Close

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929003

XXXX

Closed

2025-06-XX 22:26

2025-08-21 14:34

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Underlying Reserve conditions waived. ATR Condition Resolved. - Due Diligence Vendor-08/21/2025

Counter-Lender Reserve Calculations appear to use subject PITI of $XX,XXX.XX vs actual subject PITI of $XX,XXX.XX ($XXX,XXX.XX vs $XXX,XXX.XX). Condition remains. - Due Diligence Vendor-07/25/2025

Ready for Review-Document Uploaded. We disagree with the calculation - Seller-07/25/2025

Counter-The Subject Transaction required the B to bring $XXX,XXX.XX to close. Reserve Requirements per the subject loan size is 18 Months PITI ($XX,XXX.XX x XX) or $XXX,XXX.XX. Reserve Requirements per the outstanding aggregate balance for the other REO is 6 Months PITI ($XX,XXX.XX x X) or $XX,XXX.XX. Total verified Assets required is $XXX,XXX.XX. The verified asset total is $XXX,XXX.XX (figure includes the $XXX,XXX.XX from the XXXXXXX sale) and short $XX,XXX.XX in required verified assets. - Due Diligence Vendor-07/25/2025

Counter-Final Settlement Statement for the XXXXXXX property evidences a distribution of proceeds to the subject Borrower of $XXX,XXX.XX. Distribution/allocation of remaining net proceeds not available. Please provide documentation regarding the distribution of the remaining net proceeds. - Due Diligence Vendor-07/21/2025

Ready for Review-Document Uploaded. Final SS from Sale of REO - Final SS from Subject property - Seller-07/20/2025

Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Total Qualified Assets for Reserves Post-Close of $XXX,XXX.XX is less than Total Required Reserve Amount of $XXX,XXX.XX - Due Diligence Vendor-06/25/2025

Ready for Review-Document Uploaded. We disagree with the calculation - Seller-07/25/2025

Ready for Review-Document Uploaded. Final SS from Sale of REO - Final SS from Subject property - Seller-07/20/2025

Resolved-Underlying Reserve conditions waived. ATR Condition Resolved. - Due Diligence Vendor-08/21/2025

XXXXXXXXXX Final SS Sale of Property.pdf

XXXXXXXXXX Final SS subject property.pdf

XXXXXXXXXX XXXXXX ARC V4.pdf

Primary Residence

Refinance

No Cash Out - Borrower Initiated

4564203

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929003

XXXX

Closed

2025-06-XX 22:15

2025-08-21 14:33

Waived

2 - Non-Material

Credit

Assets

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

Waived-Waived by Investor. - Due Diligence Vendor-08/21/2025

Counter-Lender Reserve Calculations appear to use subject PITI of $XX,XXX.XX vs actual subject PITI of $XX,XXX.XX ($XXX,XXX.XX vs $XXX,XXX.XX). Condition remains. - Due Diligence Vendor-07/25/2025

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

Ready for Review-Document Uploaded. Final SS from Sale of REO - Final SS from Subject property - Seller-07/20/2025

Open-Total Qualified Assets for Reserves Post-Close of $XXX,XXX.XX is less than Total Required Reserve Amount of $XXX,XXX.XX - Due Diligence Vendor-06/25/2025

Waive the reserve finding. XX $XXXX Verified Assets remaining for reserves, 25 Years in Industry, 777 FICO Score.

- 08/21/2025

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

Ready for Review-Document Uploaded. Final SS from Sale of REO - Final SS from Subject property - Seller-07/20/2025

Waived-Waived by Investor. - Due Diligence Vendor-08/21/2025

XXXXXXXXXX Final SS Sale of Property.pdf

XXXXXXXXXX Final SS subject property.pdf

XXXXXXXXXX XXXXXX ARC V4.pdf

XX $XXXX Verified Assets remaining for reserves, 25 Years in Industry, 777 FICO Score.

Primary Residence

Refinance

No Cash Out - Borrower Initiated

4564128

Investor Post-Close

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929003

XXXX

Closed

2025-06-XX 22:05

2025-08-21 14:33

Waived

2 - Non-Material

Credit

Assets

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

Waived-Investor Waived. - Due Diligence Vendor-08/21/2025

Counter-Lender Reserve Calculations appear to use subject PITI of $XX,XXX.XX vs actual subject PITI of $XX,XXX.XX ($XXX,XXX.XX vs $XXX,XXX.XX). Condition remains. - Due Diligence Vendor-07/25/2025

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

Ready for Review-Please clarify. The final settlement statement for XXXX XXXXXXX XXXXX shows the distribution of all the loan proceeds. And we know our borrower received $XXX,XXX.XX funds which is sufficient to close the subject transaction. What additional information do we need? Thanks! - Seller-07/24/2025

Ready for Review-Document Uploaded. Final SS from Sale of REO - Final SS from Subject property - Seller-07/20/2025

Open-Audited Assets of $XXX,XXX.XX are less than Guideline Required Assets of $XXX,XXX.XX. Total Qualified Assets for Reserves Post-Close of $XXX,XXX.XX is less than Total Required Reserve Amount of $XXX,XXX.XX - Due Diligence Vendor-06/25/2025

Waive the reserve finding. XX $XXXX Verified Assets remaining for reserves, 25 Years in Industry, 777 FICO Score. - 08/21/2025

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

Ready for Review-Document Uploaded. Final SS from Sale of REO - Final SS from Subject property - Seller-07/20/2025

Waived-Investor Waived. - Due Diligence Vendor-08/21/2025

XXXXXXXXXX Final SS Sale of Property.pdf

XXXXXXXXXX Final SS subject property.pdf

XXXXXXXXXX XXXXXX ARC V4.pdf

XXF $XXXX Verified Assets remaining for reserves, 25 Years in Industry, 777 FICO Score.

Primary Residence

Refinance

No Cash Out - Borrower Initiated

4564094

Investor Post-Close

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929003

XXXX

Closed

2025-07-XX 12:47

2025-07-02 16:54

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

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

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

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

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

Primary Residence

Refinance

No Cash Out - Borrower Initiated

4628264

Investor Post-Close

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929011

XXXX

Closed

2025-07-XX 14:18

2025-08-19 20:27

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Privacy Notice Required - Missing or Incomplete

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-08/19/2025

Open-Privacy Notice Required - Missing or Incomplete. Lender's Privacy Notice is missing from the loan file. - Due Diligence Vendor-07/28/2025

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-08/19/2025

Primary Residence

Purchase

4963144

Investor Post-Close

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929008

XXXX

Closed

2025-07-XX 14:00

2025-08-20 16:36

Resolved

1 - Information

Property

Appraisal

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

Resolved-1004D received. Condition Resolved. - Due Diligence Vendor-08/20/2025

Ready for Review-Document Uploaded. - Seller-08/20/2025

Open-Primary Value Subject Property Appraisal is not on an As-Is Basis While the appraisal report had the "As-Is' box checked, the appraiser indicated that the appraisal is subject to the installation of seismic straps on the water heater, per state regulations. A copy of the appraisal update/reinspection report was not found in the loan file. - Due Diligence Vendor-07/23/2025

Ready for Review-Document Uploaded. - Seller-08/20/2025

Resolved-1004D received. Condition Resolved. - Due Diligence Vendor-08/20/2025

XXXXXXXXXX 1004D.pdf

Primary Residence

Purchase

4916987

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929008

XXXX

Closed

2025-08-XX 16:35

2025-08-20 16:36

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged y Investor. - Due Diligence Vendor-08/20/2025

Open-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P only and A for all other agencies. - Due Diligence Vendor-08/20/2025

Acknowledged-Acknowledged y Investor. - Due Diligence Vendor-08/20/2025

Primary Residence

Purchase

5251167

Investor Post-Close

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929008

XXXX

Closed

2025-07-XX 18:22

2025-08-04 19:07

Resolved

1 - Information

Compliance

Disclosure

ECOA: Appraisal Not Provided to Applicant

Resolved-Received evidence appraisal provided to applicant. Condition cleared. - Due Diligence Vendor-08/04/2025

Ready for Review-Document Uploaded. - Seller-08/04/2025

Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-07/15/2025

Ready for Review-Document Uploaded. - Seller-08/04/2025

Resolved-Received evidence appraisal provided to applicant. Condition cleared. - Due Diligence Vendor-08/04/2025

Appraisal delivery confirmationm.pdf

Primary Residence

Purchase

4825176

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929020

XXXX

Closed

2025-08-XX 20:17

2025-09-22 20:07

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Resolved-Audited DTI of 49.26% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-09/22/2025

Resolved-The 1003 indicates the lender used monthly income of $XX,XXX.XX for the business listed in 1b of the final 1003. According to the income calculation worksheet being provided, the lender calculated income using distributions of $XXX,XXX.XX on the XXXX K-1. Upon further review, the distribution income is ineligible. The audit calculated income using the K-1 net rental income of $XXX,XXX.XX less 50% of the rental income from the subject property which has recently been converted to a primary residence plus 50% of the depreciation for rental properties B-G as reflected on Form 8825 resulting in monthly qualifying income of $XX,XXX.XX. The audit defaulted to the lender’s more conservative income of $XX,XXX.XX to qualify and revised DTI is 49.26%. Condition cleared. - Due Diligence Vendor-08/22/2025

Counter-Received an Income calc worksheet that is difficult to read and does not include a breakdown of how the $XXX,XXX.XX and $XXX,XXX.XX distribution figures were derived. Finding remains. - Due Diligence Vendor-08/13/2025

Ready for Review-Document Uploaded. We disagree with investors' calculations. They are not adding back depreciation to their calculation. The bottom line is the overall distribution of $XXX,XXX.XX was used since it was lower than the UW's most conservative calculation of $XXX,XXX.XX.

Additionally, the investor excluded 100% of the subject income. The borrower only owns 50% of the business so only 50% of that income should have been excluded. They are deducting an additional 50% that is not our borrowers income counted in that calculation. The income tool in the loan is correct.

It should be noted that the UW took the most conservative route and deducted 100% of the income and 100% of the depreciation from the subject property as well. In either calculation, adding 50% of the income and depreciation or not, the overall distribution of $XXX,XXX.XX was less than the calculated business income of $XXX,XXX.XX and used for qualification. - Seller-08/12/2025

Open-Lender provided XXXX business tax return for business listed in 1b of the final 1003. The income being reported included $XXX,XXX.XX of rental income for the subject property which has been converted to the borrower's primary residence. The borrower had recently moved into the subject property and a LOE was in file however this property's income had to be backed out. Income was from business listed in 1b was calculated with K-1 income of $XXX,XXX.XX minus 50% of the removed rental income of $XXX,XXX.XX totaling $XXX,XXX.XX which equals a monthly income of $XX,XXX.XX from this business. Audited DTI of 51.08% exceeds Guideline DTI of 50%. - Due Diligence Vendor-08/06/2025

Open-Audited DTI of 51.08% exceeds Guideline DTI of 50% - Due Diligence Vendor-08/06/2025

Resolved-Audited DTI of 49.26% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-09/22/2025

XXXXXXXXXX ICW.pdf

Primary Residence

Refinance

No Cash Out - Borrower Initiated

5065686

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929020

XXXX

Closed

2025-07-XX 20:26

2025-08-22 12:49

Resolved

1 - Information

Compliance

QM-ATR

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

Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements . - Due Diligence Vendor-08/13/2025

Ready for Review-Document Uploaded. - Seller-08/12/2025

Counter-Please provide the Lender Calculations. The income tool in file is illegible. - Due Diligence Vendor-08/11/2025

Ready for Review-I asked underwriting to take a look at your comments and this is their response:

We disagree with investors' calculations. They are not adding back depreciation to their calculation. The bottom line is the overall distribution of $XXX,XXX.XX was used since it was lower than the UW's most conservative calculation of $XXX,XXX.XX.

Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-08/06/2025

Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Income documents are missing for Employment 1 reflected on final Loan Application. Required documentation is 1 year business tax returns with schedule K1 if applicable. - Due Diligence Vendor-07/24/2025

Ready for Review-Document Uploaded. - Seller-08/12/2025

Ready for Review-I asked underwriting to take a look at your comments and this is their response:

XXXXXXXXXX ICW.pdf

Primary Residence

Refinance

No Cash Out - Borrower Initiated

4940095

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929020

XXXX

Closed

2025-08-XX 09:56

2025-08-22 12:47

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration do not meet requirements

Open-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration do not meet requirements - Due Diligence Vendor-08/06/2025

XXXXXXXXXX ICW.pdf

Primary Residence

Refinance

No Cash Out - Borrower Initiated

5070687

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929020

XXXX

Closed

2025-07-XX 02:10

2025-08-05 20:20

Resolved

1 - Information

Credit

Missing Doc

Missing income documentation

Resolved-Received business tax returns which created a DTI finding. This condition is cleared. - Due Diligence Vendor-08/05/2025

Ready for Review-Document Uploaded. - Seller-08/04/2025

Open-Income documents are missing for Employment 1 reflected on final Loan Application. Required documentation is 1 year business tax returns with schedule K1 if applicable. - Due Diligence Vendor-07/27/2025

Ready for Review-Document Uploaded. - Seller-08/04/2025

Resolved-Received business tax returns which created a DTI finding. This condition is cleared. - Due Diligence Vendor-08/05/2025

XXX XXX XXXXXXXX tax return.pdf

Primary Residence

Refinance

No Cash Out - Borrower Initiated

4958436

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929020

XXXX

Closed

2025-07-XX 21:03

2025-08-05 16:17

Resolved

1 - Information

Credit

Eligibility

All Interested Parties Not Checked with Exclusionary Lists

Resolved-Fraud Report received. All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-08/05/2025

Open-All Interested Parties Not Checked with Exclusionary Lists - Due Diligence Vendor-07/23/2025

Resolved-Fraud Report received. All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-08/05/2025

Primary Residence

Refinance

No Cash Out - Borrower Initiated

4925896

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929020

XXXX

Closed

2025-07-XX 21:03

2025-08-05 16:16

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-08/05/2025

Resolved-Fraud Report received. Condition resolved. - Due Diligence Vendor-08/05/2025

Ready for Review-Document Uploaded. - Seller-08/04/2025

Open-Missing Third Party Fraud Report - Due Diligence Vendor-07/23/2025

Ready for Review-Document Uploaded. - Seller-08/04/2025

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-08/05/2025

Resolved-Fraud Report received. Condition resolved. - Due Diligence Vendor-08/05/2025

DataVerify PASS.pdf

Primary Residence

Refinance

No Cash Out - Borrower Initiated

4925897

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929020

XXXX

Closed

2025-07-XX 18:19

2025-07-29 18:19

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

- Due Diligence Vendor-07/29/2025

Primary Residence

Refinance

No Cash Out - Borrower Initiated

4983942

Investor Post-Close

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929041

XXXX

Closed

2025-07-XX 18:47

2025-08-19 20:28

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Privacy Notice Required - Missing or Incomplete

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-08/19/2025

Open-Privacy Notice Required - Missing or Incomplete. - Due Diligence Vendor-07/23/2025

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-08/19/2025

Primary Residence

Purchase

4923561

Investor Post-Close

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929041

XXXX

Closed

2025-07-XX 19:00

2025-07-29 19:00

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-07/29/2025

Primary Residence

Purchase

4984677

Investor Post-Close

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929058

XXXX

Closed

2025-08-XX 16:07

2025-08-20 16:29

Waived

2 - Non-Material

Credit

Eligibility

Valuation Product Does Not Meet Guidelines

Waived-Waived by Seller. - Due Diligence Vendor-08/20/2025

Counter-Please provide a PM approved exception. - Due Diligence Vendor-08/20/2025

Escalated-An approved exception is required. Escalated for Investor Review. - Due Diligence Vendor-08/19/2025

Ready for Review-Exception request - Post dated CDA supports value - Primary NOO - B1 SE 25 Years; B2 not employed - Credit Score 737 - Credit profile 0X30 day lates - DTI 19/40 - LTV 80% - Seller-08/18/2025

Open-The CDA supporting value is dated after the note date. The applicable Guidelines require secondary valuation assessment to be completed prior to the note date. Please provide a Lender Exception with Comp Factors to waive this condition. - Due Diligence Vendor-08/12/2025

Post dated CDA supports value - Primary NOO - B1 SE 25 Years; B2 not employed - Credit Score 737 - Credit profile 0X30 day lates - DTI 19/40 - LTV 80% - 08/20/2025

Waived-Waived by Seller. - Due Diligence Vendor-08/20/2025

B1 SE 25 Years; B2 not employed - Credit Score 737 - Credit profile 0X30 day lates - DTI 19/40 - LTV 80%

Primary Residence

Purchase

5147180

Originator Post-Close

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929058

XXXX

Closed

2025-08-XX 16:52

2025-08-12 16:10

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-08/12/2025

Ready for Review-Document Uploaded. - Seller-08/11/2025

Counter-The HVE provided has an Estimated Home value of $XXX,XXX.XX which does not support value within 10%. A finding has previously been issued for missing a Post Close Valuation product that supports value. Please provide a CDA/Desk Review. - Due Diligence Vendor-08/08/2025

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

Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/04/2025

Ready for Review-Document Uploaded. - Seller-08/11/2025

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

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-08/12/2025

XXXXXXXXXX Home Value Estimator Tool _ XXXXXXXXXX XXX.pdf

XXXXXXXXXX CD.pdf

Primary Residence

Purchase

5043850

Investor Post-Close

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929058

XXXX

Closed

2025-08-XX 16:53

2025-08-12 16:09

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-CDA provided. Condition Resolved. - Due Diligence Vendor-08/12/2025

Ready for Review-Document Uploaded. - Seller-08/11/2025

Open-A valid secondary valuation supporting the origination appraisal value is not present. LCA score of 5. AVM is out of tolerance (-34.99%). Secondary valuation supporting valuation required. - Due Diligence Vendor-08/04/2025

Ready for Review-Document Uploaded. - Seller-08/11/2025

Resolved-CDA provided. Condition Resolved. - Due Diligence Vendor-08/12/2025

XXXXXXXXXX CD.pdf

Primary Residence

Purchase

5043893

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929061

XXXX

Closed

2025-08-XX 13:49

2025-08-20 16:27

Waived

2 - Non-Material

Credit

Eligibility

Valuation Product Does Not Meet Guidelines

Waived-Waived by Seller. - Due Diligence Vendor-08/20/2025

Ready for Review-This was originally a CU1.9 and a LCA999 - UCDP's were re-run without proper notification to our appraisal group. We agree/approve the valuation (CDA) we have submitted - Exception Request

Employment - B1 Employed in the same line of work for 15 Years - B2 Employed in the same line of work for 20 years

Credit Score - 768

DTI 37.75

LTV - 80% - Seller-08/20/2025

Open-The CDA supporting value is dated after the note date. The applicable Guidelines require secondary valuation assessment to be completed prior to the note date. Please provide an approved Lender Exception with Comp Factors to waive this condition. - Due Diligence Vendor-08/19/2025

This was originally a CU1.9 and a LCA999 - UCDP's were re-run without proper notification to our appraisal group. We agree/approve the valuation (CDA) we have submitted - Exception Request Employment - B1 Employed in the same line of work for 15 Years - B2 Employed in the same line of work for 20 years Credit Score - 768 DTI 37.75 LTV - 80% - 08/20/2025

Employment - B1 Employed in the same line of work for 15 Years - B2 Employed in the same line of work for 20 years

Credit Score - 768

DTI 37.75

LTV - 80% - Seller-08/20/2025

Waived-Waived by Seller. - Due Diligence Vendor-08/20/2025

B1 Employed in the same line of work for 15 Years - B2 Employed in the same line of work for 20 years Credit Score - 768 DTI 37.75 LTV - 80%

Primary Residence

Purchase

5226313

Originator Post-Close

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929061

XXXX

Closed

2025-07-XX 18:11

2025-08-19 13:48

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Post Close CDA obtained. No issues with value. Finding added for supporting valuation being dated post closing. - Due Diligence Vendor-08/19/2025

Ready for Review-Document Uploaded. - Seller-08/18/2025

Counter-The CU of 3.4 does not meet the guideline requirement. LCA in file did not return a score. A secondary valuation supporting value is not available. Please provide an AVM supporting value. - Due Diligence Vendor-08/06/2025

Ready for Review-Document Uploaded. - Seller-08/06/2025

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-07/28/2025

Ready for Review-Document Uploaded. - Seller-08/18/2025

Ready for Review-Document Uploaded. - Seller-08/06/2025

Resolved-Post Close CDA obtained. No issues with value. Finding added for supporting valuation being dated post closing. - Due Diligence Vendor-08/19/2025

XXXXXX XXX _ Collateral Underwriter _ Property Report _ XXXXXXXXXX.pdf

Reconciliation_ XXXX X XXXX XX XXXXXXX #XXXXX.pdf

Primary Residence

Purchase

4968918

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929061

XXXX

Closed

2025-08-XX 13:47

2025-08-19 13:47

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-08/19/2025

Open-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P only and A for all other agencies. - Due Diligence Vendor-08/19/2025

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-08/19/2025

Primary Residence

Purchase

5226275

Investor Post-Close

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929006

XXXX

Closed

2025-07-XX 14:28

2025-08-04 19:09

Resolved

1 - Information

Property

Value

Missing Valuation Review Product - 1

Resolved-LCA, dated XX/XX/XXXX, provided. LCA score of 1.5. Condition Resolved. - Due Diligence Vendor-08/04/2025

Ready for Review-Document Uploaded. Not required - LCA 1 - Seller-08/04/2025

Open-A valid secondary valuation supporting the origination appraisal value is not present. Guidelines require a CU and LCA <2.5, no LCA present in loan file. - Due Diligence Vendor-07/31/2025

Ready for Review-Document Uploaded. Not required - LCA 1 - Seller-08/04/2025

Resolved-LCA, dated 6/11/2025, provided. LCA score of 1.5. Condition Resolved. - Due Diligence Vendor-08/04/2025

XXXXXXXXXX XXX ssr.pdf

XXXXXXXXXX XXXX ssr.pdf

Second Home

Purchase

5006682

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929006

XXXX

Closed

2025-07-XX 13:44

2025-08-04 15:34

Resolved

1 - Information

Compliance

Disclosure

ECOA: Appraisal Not Provided to Applicant

Resolved-Received evidence appraisal was provided to borrower. Condition cleared. - Due Diligence Vendor-08/04/2025

Ready for Review-Document Uploaded. - Seller-08/04/2025

Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-07/31/2025

Ready for Review-Document Uploaded. - Seller-08/04/2025

Resolved-Received evidence appraisal was provided to borrower. Condition cleared. - Due Diligence Vendor-08/04/2025

XXXXXXXXXX Evidence.pdf

Second Home

Purchase

5005860

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929001

XXXX

Closed

2024-11-XX 20:15

2025-01-23 23:28

Acknowledged

1 - Information

Property

Value

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

Acknowledged-S&P CU/LCA score and secondary product not within tolerance. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/23/2025

Rescinded-CDA Received. Value Supported. - Due Diligence Vendor-12/09/2024

Ready for Review-Is XXXXX expected to provide anything to cure this exception? - Seller-12/06/2024

Open-S&P CU/LCA score and secondary product not within tolerance. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/26/2024

Ready for Review-Is XXXXX expected to provide anything to cure this exception? - Seller-12/06/2024

Acknowledged-S&P CU/LCA score and secondary product not within tolerance. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/23/2025

Rescinded-CDA Received. Value Supported. - Due Diligence Vendor-12/09/2024

Primary Residence

Purchase

2889852

Investor Post-Close

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929001

XXXX

Closed

2024-11-XX 14:49

2024-12-09 16:07

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. A valid secondary valuation (CDA) supporting the origination appraisal value received. - Due Diligence Vendor-12/09/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-11/26/2024

Resolved-Document Uploaded. A valid secondary valuation (CDA) supporting the origination appraisal value received. - Due Diligence Vendor-12/09/2024

XXXXXXXXXX_RDA.pdf

Primary Residence

Purchase

2885204

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929002

XXXX

Closed

2025-01-XX 15:31

2025-02-24 20:58

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 2

Resolved-Document Uploaded. 2055 supporting value obtained. Condition resolved. - Due Diligence Vendor-02/24/2025

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-01/24/2025

Resolved-Document Uploaded. 2055 supporting value obtained. Condition resolved. - Due Diligence Vendor-02/24/2025

XXXXXXXXXX-2055.pdf

Primary Residence

Purchase

3275758

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929002

XXXX

Closed

2025-01-XX 18:55

2025-02-03 20:58

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Lender provided Fraud Report. Condition cleared.

- Due Diligence Vendor-02/03/2025

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/03/2025

Ready for Review-Document Uploaded. - Seller-01/31/2025

Open-Missing Third Party Fraud Report - Due Diligence Vendor-01/15/2025

Ready for Review-Document Uploaded. - Seller-01/31/2025

Resolved-Lender provided Fraud Report. Condition cleared.

- Due Diligence Vendor-02/03/2025

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/03/2025

XXXXXXXXXX DRIVE Report.pdf

Primary Residence

Purchase

3212919

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929002

XXXX

Closed

2025-01-XX 18:55

2025-02-03 20:57

Resolved

1 - Information

Credit

Eligibility

All Interested Parties Not Checked with Exclusionary Lists

Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-02/03/2025

Resolved- - Due Diligence Vendor-01/31/2025

Ready for Review-Document Uploaded. - Seller-01/30/2025

Open-All Interested Parties Not Checked with Exclusionary Lists - Due Diligence Vendor-01/15/2025

Ready for Review-Document Uploaded. - Seller-01/30/2025

Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-02/03/2025

XXXX XXXXXXXXXX LDP, GSA.pdf

Primary Residence

Purchase

3212917

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929002

XXXX

Closed

2025-01-XX 18:20

2025-01-24 15:31

Resolved

1 - Information

Property

Value

Missing Valuation Review Product - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/24/2025

Resolved-Document Uploaded. Received CDA with High Risk score and valuation variance of -41.7%. New finding added. - Due Diligence Vendor-01/24/2025

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-01/15/2025

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/24/2025

Resolved-Document Uploaded. Received CDA with High Risk score and valuation variance of -41.7%. New finding added. - Due Diligence Vendor-01/24/2025

XXXXXXXXXX_RDA.pdf

Primary Residence

Purchase

3212371

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250929002

XXXX

Closed

2025-01-XX 15:27

2025-01-24 15:27

Acknowledged

1 - Information

Property

Value

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

Acknowledged-S&P CU/LCA score and secondary product not within tolerance. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/24/2025

Primary Residence

Purchase

3275700

Investor Post-Close