Customer Loan ID

Seller Loan ID

Loan Exception ID

Deal Num

Investor Loan Number

Deal Name

Exception ID

Last Name

Purpose

Occupancy

Note Date

State

Original Loan Amount

Loan Status

Exception Date

Exception Type

Exception Subcategory

Exception Status

Exception Status Change Date

Exception Grade

Exception

Exception Information

Exception Rebuttal

Exception Rebuttal Date

Compensating Factors

Statute of Limitation Date

Assigned To

Comments

71000109

XXXXX

XXX

FCOM8997

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

02/05/2026

Compliance

No Compliance Findings

Resolved

02/09/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000109

XXXXX

XXX

FPRO8998

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

02/06/2026

Property

No Property Findings

Resolved

02/09/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000109

XXXXX

XXX

FCRE8999

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

02/06/2026

Credit

No Credit Findings

Resolved

02/09/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000041

XXXXX

XXX

FCRE7497

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

02/16/2026

Credit

Missing verification of taxes, insurance, and/or HOA fees for non-subject property

Resolved

03/26/2026

Missing verification of taxes, insurance, and/or HOA fees for non-subject property

The loan file was missing the property taxes for the property located at XXX, and missing HOA for the following properties: XXX , XXX, XXX , XXX , XXX.

Document Uploaded. ; Document Uploaded.

Closed

Client provided Property Ownership history reflecting Property Taxes for XXX . LM Updated.; Client provided LOE stating: None of the following properties are located in an HOA. XXX , XXX , XXX , XXX , XXX Still missing property taxes for the property located at XXX.

71000041

XXXXX

XXX

FCRE9549

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

02/16/2026

Credit

Missing Credit Report Supplement

Resolved

03/20/2026

Missing Credit Report Supplement

The credit report, dated XX/XX/XXXX, reflected an XXX inquiry on XX/XX/XXXX. The loan file contained the borrower's letter of explanation along with a processor cert explaining a new account was obtained. The loan file did not have a credit supplement or a copy of the new Statement for the new account.

Document Uploaded.

Closed

Client provided XXX. LM Updated.

71000041

XXXXX

XXX

FCRE1491

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

02/16/2026

Credit

Asset Qualification Does Not Meet Guideline Requirements

Resolved

03/03/2026

Asset Qualification Does Not Meet Guideline Requirements

Asset Qualification Does Not Meet Guideline Requirements Per DU if depository assets are needed top support the amount of funds required and reserves, bank Statements covering a two month period are required. The application reflected assets with XXX XXX #XXX #XXX #XXX #XXX and #XXX XXX The loan file contained the bank Statement for XXX XXX #XXX with a balance of XXX The bank Statements reflected the borrower had the other accounts; however, the activity for each account was not provided.

Document Uploaded. XXX has a total of XXX in assets, the other XXX are not required

Closed

Client States: XXX , XXX has a total of XXX in assets, the other XXX are not required. LM Updated. ; Asset Qualification Meets Guideline Requirements

71000041

XXXXX

XXX

FCOM8997

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

02/17/2026

Compliance

No Compliance Findings

Resolved

02/17/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000041

XXXXX

XXX

FPRO8998

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

02/17/2026

Property

No Property Findings

Resolved

02/17/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000095

XXXXX

XXX

FVAL9739

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

02/25/2026

Property

Property/Appraisal General

Resolved

03/12/2026

Property/Appraisal General

Property/Appraisal guideline violation: Lender's TPO guidelines require a CU score and an LCA score of <XXX. If one score is >XXX, than a TPV is required. For the subject, CU score is XXX but the LCA score is XXX Therefore, a TPV is required but was not in the file.

Document Uploaded.

Closed

Property/Appraisal Meets Guidelines; Client provided XXX. LM Updated.

71000095

XXXXX

XXX

FCRE4963

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

02/23/2026

Credit

No evidence of required debt payoff

Resolved

03/11/2026

No evidence of required debt payoff

The borrower's XXX personal tax returns shows taxes owed in the amount of XXX Lender's TPO guidelines indicate that either validation the taxes have been paid, or proof of an IRS repayment plan, may be required. There is no evidence in the file that either option has been met.

Document Uploaded. See Page XXX of attached investment statement. XXX was paid in full XXX .

Closed

Client provided XXX reflecting IRS payment in the amount of XXX on XX/XX/XXXX. LM Updated.

71000095

XXXXX

XXX

FCOM8997

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

02/24/2026

Compliance

No Compliance Findings

Resolved

02/25/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000101

XXXXX

XXX

FPRO9990

XXXXX

Limited Cash Out (GSE Definition)

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

02/24/2026

Property

Third Party Valuation Product Not Provided within 10% Tolerance

Acknowledged

03/24/2026

Third Party Valuation Product Not Provided within XXX Tolerance

Third Party Valuation Product Not Provided or Not Provided Within Tolerance.

Document Uploaded.

Closed

Acknowledged, accepting 2/B grading; ; Third party valuation product provided within tolerance.; Client provided Field Review dated XX/XX/XXXX. LM Updated.

71000101

XXXXX

XXX

FPRO1500

XXXXX

Limited Cash Out (GSE Definition)

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

02/24/2026

Property

HOA Questionnaire is Missing

Resolved

03/06/2026

HOA Questionnaire is Missing

HOA Questionnaire Missing

Document Uploaded.

Closed

HOA Questionnaire Provided; Client provided HOA FNMA Approved certification. LM Updated.;XXX ; HOA Questionnaire Missing

71000101

XXXXX

XXX

FCRE7497

XXXXX

Limited Cash Out (GSE Definition)

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

02/24/2026

Credit

Missing verification of taxes, insurance, and/or HOA fees for non-subject property

Resolved

03/06/2026

Missing verification of taxes, insurance, and/or HOA fees for non-subject property

Please provide HOI, Taxes and HOA if applicable along with monthly mortgage Statement. Additional documentation may be applicable ( #XXX)

Document Uploaded.

Closed

Client provided XXX Detail Report, Mortgage Statement, Hazard Policy and HOA Statement for XXX LM Updated.

71000101

XXXXX

XXX

FCOM8997

XXXXX

Limited Cash Out (GSE Definition)

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

02/25/2026

Compliance

No Compliance Findings

Resolved

02/25/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000117

XXXXX

XXX

FCOM5135

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

02/25/2026

Compliance

Missing Required Affiliated Business Disclosure

Acknowledged

03/13/2026

Missing Required Affiliated Business Disclosure

Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates.

Closed

Acknowledged, accepting 2/B grading.

71000117

XXXXX

XXX

FCRE1964

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

02/25/2026

Credit

Missing income documentation

Acknowledged

03/28/2026

Missing income documentation

The borrower provided the Systematic withdrawal request for XXX for the monthly income of XXX per month. The document was missing page XXX

This should be downgraded to XXX - Non Material. While we agree Page XXX is missing, Page XXX is immaterial to the loan transaction.

Closed

Acknowledged, accepting 2/B grading; Acknowledged and downgraded as non-material.

71000117

XXXXX

XXX

finding-3635

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

02/25/2026

Compliance

Charges That In Total Cannot Increase More Than 10% Test

Resolved

04/02/2026

Charges That In Total Cannot Increase More Than XXX Test

This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Because the XXX was missing, fees in Section C were subject to XXX% tolerance. The changes resulted in threshold to go above allowable tolerance. A cost to cure in the amount of XXX is required. The defect may be resolved by providing the missing document. If curing the violation: Refund in the amount of XXX cure package requires a PCCD, LOE, and Copy of Refund Check, and proof of delivery.

Document Uploaded.

Closed

XXX provided; exception resolved; XXX provided; exception resolved

71000117

XXXXX

XXX

FCRE4104

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

02/25/2026

Credit

Missing explanation and supporting documentation for large deposit(s)

Resolved

03/25/2026

Missing explanation and supporting documentation for large deposit(s)

The borrower provided the XXX account number XXX for XX/XX/XXXX. This Statement was used for the partial earnest money deposit of XXX which was wired out on XX/XX/XXXX. The Statement reflects the following large deposits: XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX The loan file is missing the supporting documentation for the source of funds deposited which were used for earnest money.

Item 2 - EMD XXX wire debt dated XX/XX/XXXX per bank statement ( pg XXX ). EMD XXX wire debt dated XX/XX/XXXX per bank statement ( pg XXX ).

Initial application dated XX/XX/XXXX ( pg XXX )

Loan closed Note Date XX/XX/XXXX.

EMD deposits are evidenced from the borrower's account. The title company held these deposits in the borrower's escrow account, seasoning them XX/XX/XXXX, respectively, before the initial loan application. Therefore, seasoning has been met and an additional month's bank statement is not material to the loan.

To note, the XXX states if the EMD is required to make the borrower's minimum contribution it just come from their own funds. In this case, we can see the funds have been derived from the borrower's own account, as required per FNMA XX/XX/XXXX and the AUS

Closed

Client States: Item XXX - EMD XXX wire debt dated XX/XX/XXXX per bank Statement ( pg XXX ). EMD XXX wire debt dated XX/XX/XXXX per bank Statement ( pg XXX ). Initial application dated XX/XX/XXXX ( pg XXX ) Loan closed Note Date XX/XX/XXXX. EMD deposits are evidenced from the borrower's account. The title company held these deposits in the borrower's escrow account, seasoning them XXX and XXX months, respectively, before the initial loan application. Therefore, seasoning has been met and an additional month's bank Statement is not material to the loan. To note, the DU States if the EMD is required to make the borrower's minimum contribution it just come from their own funds. In this case, we can see the funds have been derived from the borrower's own account, as required per FNMA B3- XX/XX/XXXX and the AUS. Verified. LM Updated.

71000117

XXXXX

XXX

FCRE1491

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

02/25/2026

Credit

Asset Qualification Does Not Meet Guideline Requirements

Resolved

03/13/2026

Asset Qualification Does Not Meet Guideline Requirements

Asset Qualification Does Not Meet Guideline Requirements DU requires the assets for fund required and reserves to be documented with two month bank Statements. XXX, #XXX is missing XX/XX/XXXX Statement. XX/XX/XXXX and XX/XX/XXXX was provided. Also the borrower provided bank Statements for the earnest money which came from XXX #XXX. XX/XX/XXXX and XX/XX/XXXX Statements were provided. Missing XX/XX/XXXX and XX/XX/XXXX to complete the two months required.

I am working on all the findings, but I wanted to run this one by you. Regarding XXX: Per FNMA XX/XX/XXXX, when the account is made up of stocks and mutual funds, only the most recent monthly or quarterly statement is required. XXX months statements are required only on depository accounts. If you agree, I'll cross this issue off the list and continue working on the rest. Thanks!

Closed

Asset Qualification Meets Guideline Requirements; XXX Statements in file and not required. XXX reflects XXX and XXX accounts. LM Updated.

71000117

XXXXX

XXX

FPRO8998

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

02/25/2026

Property

No Property Findings

Resolved

02/25/2026

No Property Findings

Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.

Closed

Informational

71000005

XXXXX

XXX

FPRO8998

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/03/2026

Property

No Property Findings

Resolved

03/04/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000005

XXXXX

XXX

FCRE8999

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/03/2026

Credit

No Credit Findings

Resolved

03/04/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000005

XXXXX

XXX

FCOM8997

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/03/2026

Compliance

No Compliance Findings

Resolved

03/04/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000057

XXXXX

XXX

FCOM3849

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/04/2026

Compliance

Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))

Acknowledged

03/13/2026

Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))

Closed

Acknowledged, accepting 2/B grading.

71000057

XXXXX

XXX

finding-3367

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/04/2026

Compliance

RESPA Homeownership Counseling Organizations Disclosure Date Test

Acknowledged

03/13/2026

RESPA Homeownership Counseling Organizations Disclosure Date Test

This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); or The homeownership counseling organizations disclosure date is after the closing date. Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data. This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page: As not being open on Sunday As not being open on Saturday PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile Page XXX that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict. Please note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application, XX/XX/XXXX.

Closed

Acknowledged, accepting 2/B grading.; Exception is non-material and graded as level 2/B.

71000057

XXXXX

XXX

finding-3635

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/04/2026

Compliance

Charges That In Total Cannot Increase More Than 10% Test

Resolved

03/17/2026

Charges That In Total Cannot Increase More Than XXX Test

This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX Electronic Recording service, XXX to XXX Title insurance policy, XXX to XXX wire fee. The fees in section C of Final CD were tested as XXX% because the XXX provided was dated more than XXX business days from application. If borrower did shop for fees, please provide the XXX dated within XXX days of application so testing can be completed as such.

Document Uploaded.

Closed

XXX dated within XXX days of the application date provided; exception resolved; XXX dated within XXX days of the application date provided; exception resolved

71000057

XXXXX

XXX

FCRE1145

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/02/2026

Credit

Title Document Missing

Resolved

03/11/2026

Title Document Missing

Title Document is missing Unable to locate title.

Document Uploaded. Title

Closed

Title Document is fully Present; Client provided Commitment for Tile for the subject property. LM Updated.

71000057

XXXXX

XXX

FCRE1157

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/02/2026

Credit

Hazard Insurance Policy is Missing

Resolved

03/11/2026

Hazard Insurance Policy is Missing

Missing Hazard Insurance Policy Unable to locate for subject property, did find for previous primary that they are retaining, but not for subject property.

Document Uploaded. Policy & Estimator attached

Closed

Hazard Insurance Policy is fully present; Client provided Evidence of Insurance and XXX for the subject property. LM Updated.

71000057

XXXXX

XXX

FPRO8998

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/03/2026

Property

No Property Findings

Resolved

03/06/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000037

XXXXX

XXX

finding-3634

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/06/2026

Compliance

Charges That Cannot Increase Test

Resolved

03/26/2026

Charges That Cannot Increase Test

This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the increase of the appraisal fee from XXX to XXX on the LE dated XX/XX/XXXX without valid COC. COC dated XX/XX/XXXX does not advise why appraisal fee increased. Cure of XXX applied to appraisal fee.

XXX appraisal are required for loan amounts XXX and greater ; Document Uploaded.

Closed

Valid COC provided; exception resolved; Valid COC provided; exception resolved; The COC indicates that a 2nd appraisal fee was added but didn't contain a reason for the new/increased fee. Please provide clarification

71000081

XXXXX

XXX

finding-3367

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/05/2026

Compliance

RESPA Homeownership Counseling Organizations Disclosure Date Test

Acknowledged

03/13/2026

RESPA Homeownership Counseling Organizations Disclosure Date Test

Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application, XX/XX/XXXX. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); or The homeownership counseling organizations disclosure date is after the closing date. Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data. This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations.

Closed

Acknowledged, accepting 2/B grading.; Acknowledged, accepting 2/B grade.

71000081

XXXXX

XXX

finding-3652

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/05/2026

Compliance

Lender Credits That Cannot Decrease Test

Resolved

03/16/2026

Lender Credits That Cannot Decrease Test

TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits (XXX Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).

Document Uploaded.

Closed

Initial LE provided; exception resolved; Initial LE provided; exception resolved

71000081

XXXXX

XXX

finding-3634

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/05/2026

Compliance

Charges That Cannot Increase Test

Resolved

03/16/2026

Charges That Cannot Increase Test

TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).

Closed

Initial LE provided; exception resolved; Initial LE provided; exception resolved

71000081

XXXXX

XXX

finding-3635

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/05/2026

Compliance

Charges That In Total Cannot Increase More Than 10% Test

Resolved

03/16/2026

Charges That In Total Cannot Increase More Than XXX Test

TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE and Service provider list issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE are dated XX/XX/XXXX. Please provide the initial LE and Service provider list issued within XXX business days of the application date of XX/XX/XXXX. Additional testing will be completed, once the documents are provided. This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi).

Document Uploaded.

Closed

Initial LE provided; exception resolved

71000081

XXXXX

XXX

finding-3515

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/05/2026

Compliance

Initial Loan Estimate Delivery Date Test (from application)

Resolved

03/16/2026

Initial Loan Estimate Delivery Date Test (from application)

Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per compliance report in file) is missing from the loan file. The earliest LE in the loan file was issued on XX/XX/XXXX. The violation can be cured by providing the initial LE within XXX days of application date XX/XX/XXXX. This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application. Therefore, if additional disclosures are entered into XXX, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure. This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application.

Document Uploaded.

Closed

Initial LE provided; exception resolved; Initial LE provided; exception resolved

71000081

XXXXX

XXX

FCRE8999

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/04/2026

Credit

No Credit Findings

Resolved

03/06/2026

No Credit Findings

The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.

Closed

Informational

71000081

XXXXX

XXX

FPRO8998

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/04/2026

Property

No Property Findings

Resolved

03/06/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000039

XXXXX

XXX

FPRO9990

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/27/2026

Property

Third Party Valuation Product Not Provided within 10% Tolerance

Acknowledged

03/27/2026

Third Party Valuation Product Not Provided within XXX Tolerance

Closed

Acknowledged, accepting 2/B grading

71000039

XXXXX

XXX

FCRE8999

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/05/2026

Credit

No Credit Findings

Resolved

03/06/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000039

XXXXX

XXX

FPRO8998

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/05/2026

Property

No Property Findings

Resolved

03/06/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000039

XXXXX

XXX

FCOM8997

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/06/2026

Compliance

No Compliance Findings

Resolved

03/06/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000015

XXXXX

XXX

FCRE1159

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/10/2026

Credit

Hazard Insurance Effective Date is after the Disbursement Date

Acknowledged

03/27/2026

Hazard Insurance Effective Date is after the Disbursement Date

Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX.

Document Uploaded.

Closed

Acknowledged, accepting 2/B grading; Attestation by client that no events happened between the closing and start date of policy. the policy wasn't in place at closing but was established prior to our review.

71000015

XXXXX

XXX

FPRO9990

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/10/2026

Property

Third Party Valuation Product Not Provided within 10% Tolerance

Resolved

03/18/2026

Third Party Valuation Product Not Provided within XXX Tolerance

Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided or Not Provided Within Tolerance.

Document Uploaded.

Closed

Third party valuation product provided within tolerance.; XXX Provided

71000015

XXXXX

XXX

FCOM8997

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/11/2026

Compliance

No Compliance Findings

Resolved

03/11/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000179

XXXXX

XXX

FCOM3849

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/11/2026

Compliance

Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))

Acknowledged

03/13/2026

Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))

The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation and the 2nd document indicates the borrower chose to have the XXX day waiting period.  Provide clarification and documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely.

Closed

Acknowledged, accepting 2/B grading.

71000179

XXXXX

XXX

FPRO8998

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/10/2026

Property

No Property Findings

Resolved

03/11/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000179

XXXXX

XXX

FCRE8999

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/10/2026

Credit

No Credit Findings

Resolved

03/11/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000113

XXXXX

XXX

FCRE9785

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/11/2026

Credit

Purchase Contract is Incomplete

Acknowledged

03/14/2026

Purchase Contract is Incomplete

Loan Purpose is Purchase but Purchase Contract Doc is Incomplete The sales price, earnest money deposit and seller concessions on the final Closing Disclosure do not match the purchase price. A contract addendum reflecting a sales price of XXX earnest money of XXX and seller concessions of XXX is required.

Closed

Acknowledged, accepting 2/B grading.

71000113

XXXXX

XXX

FPRO8998

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/10/2026

Property

No Property Findings

Resolved

03/11/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000113

XXXXX

XXX

FCOM8997

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/11/2026

Compliance

No Compliance Findings

Resolved

03/11/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000071

XXXXX

XXX

FCRE1201

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/10/2026

Credit

Third Party Fraud Report not Provided

Resolved

03/18/2026

Third Party Fraud Report not Provided

Missing Third Party Fraud Report Fraud Report is required.

Document Uploaded.

Closed

Third Party Fraud Report is provided; Drive report provided

71000071

XXXXX

XXX

FCRE1206

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/11/2026

Credit

All Interested Parties Not Checked with Exclusionary Lists

Resolved

03/18/2026

All Interested Parties Not Checked with Exclusionary Lists

All Interested Parties Not Checked with Exclusionary Lists. All Interested Parties Not Checked with Exclusionary Lists.

Closed

All Interested Parties Checked against Exclusionary Lists

71000071

XXXXX

XXX

FPRO8998

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/10/2026

Property

No Property Findings

Resolved

03/12/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000071

XXXXX

XXX

FCOM8997

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/12/2026

Compliance

No Compliance Findings

Resolved

03/12/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000115

XXXXX

XXX

FCRE1437

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/10/2026

Credit

Income and Employment Do Not Meet Guidelines

Resolved

03/25/2026

Income and Employment Do Not Meet Guidelines

Income and Employment Do Not Meet Guidelines Per AUS XXX bonus income verification is required. Only received XXX provide last paystub for XXX or WVOE for Borrower 1 employer (XXX).

Document Uploaded.

Closed

Income and Employment Meet Guidelines; Client provided XXX for the Borrower from XXX reflecting XXX Salary and XXX . LM Updated.

71000115

XXXXX

XXX

FPRO8998

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/10/2026

Property

No Property Findings

Resolved

03/12/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000115

XXXXX

XXX

FCOM8997

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/12/2026

Compliance

No Compliance Findings

Resolved

03/12/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000087

XXXXX

XXX

FCRE8999

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/10/2026

Credit

No Credit Findings

Resolved

03/12/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000087

XXXXX

XXX

FPRO8998

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/10/2026

Property

No Property Findings

Resolved

03/12/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000087

XXXXX

XXX

FCOM8997

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/11/2026

Compliance

No Compliance Findings

Resolved

03/12/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000091

XXXXX

XXX

finding-3634

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/11/2026

Compliance

Charges That Cannot Increase Test

Cured

03/30/2026

Charges That Cannot Increase Test

This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the appraisal fee increasing on CD XX/XX/XXXX.

Document Uploaded.

Closed

Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B

71000091

XXXXX

XXX

FCRE8999

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/10/2026

Credit

No Credit Findings

Resolved

03/12/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000091

XXXXX

XXX

FPRO8998

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/10/2026

Property

No Property Findings

Resolved

03/12/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000031

XXXXX

XXX

FPRO8998

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/10/2026

Property

No Property Findings

Resolved

03/12/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000031

XXXXX

XXX

FCOM8997

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/11/2026

Compliance

No Compliance Findings

Resolved

03/12/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000031

XXXXX

XXX

FCRE8999

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/12/2026

Credit

No Credit Findings

Resolved

03/12/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000009

XXXXX

XXX

finding-3634

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/13/2026

Compliance

Charges That Cannot Increase Test

Resolved

04/02/2026

Charges That Cannot Increase Test

TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation is due to the addition of the Loan Origination Fee on the Final CD dated XX/XX/XXXX without a valid COC in file. Please provide a valid COC or cure package. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).

fee response; Document Uploaded. ; Document Uploaded.

Closed

Valid COC provided; exception resolved; Valid COC provided; exception resolved; The LE provided at the time of COC shows the fee was disclosed as discount points which has as valid COC, however the fee name later changed to an origination fee without a valid reason. Those are considered XXX different fees for the purposes of testing, provide a valid COC for the addition of the origination fee on the final CD ; The LE provided at the time of COC shows the fee was disclosed as discount points but later changed to an origination fee. Those are considered XXX different fees for the purposes of testing, provide a valid COC for the addition of the origination fee

71000009

XXXXX

XXX

FPRO8998

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/10/2026

Property

No Property Findings

Resolved

03/14/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000009

XXXXX

XXX

FCRE8999

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/13/2026

Credit

No Credit Findings

Resolved

03/14/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000013

XXXXX

XXX

FCOM5135

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/12/2026

Compliance

Missing Required Affiliated Business Disclosure

Acknowledged

03/14/2026

Missing Required Affiliated Business Disclosure

Required Affiliated Business Disclosure Missing The XXX for the lender is missing

Closed

Acknowledged, accepting 2/B grading.

71000013

XXXXX

XXX

FCRE9785

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/13/2026

Credit

Purchase Contract is Incomplete

Acknowledged

03/14/2026

Purchase Contract is Incomplete

Loan Purpose is Purchase but Purchase Contract Doc is Incomplete The final Closing Disclosure (CD) reflects a seller credit of XXX that does not appear on the purchase contract. The XXX #XXX indicates a seller credit of XXX but the XXX #XXX indicates buyer and seller to pay their own fees. An addendum reflecting the XXX credit is required.

Closed

Acknowledged, accepting 2/B grading.

71000013

XXXXX

XXX

FCRE1483

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/13/2026

Credit

Asset 5 Does Not Meet Guideline Requirements

Resolved

03/20/2026

Asset 5 Does Not Meet Guideline Requirements

Asset 5 Does Not Meet Guideline Requirements Borrower received gift funds in the amount of XXX File contains a gift letter indicating funds to be transferred at closing but the gift does not appear on the final Closing Disclosure. In addition, there is no evidence that the XXX was transferred to the borrower or to escrow. File does contain a wire receipt showing XXX was transferred from the borrower to escrow, but unable to determine if that is a reduced gift amount. The XXX gift must be documented according to FNMA guidelines.

Document Uploaded. Gift funds not being used and were removed from the AUS #XXX. Accounts updated

Closed

Asset 5 Meets Guideline Requirements Or Not Applicable; Client provided DU dated XX/XX/XXXX reflecting Gift funds being removed. Assets updated.

71000013

XXXXX

XXX

FPRO8998

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/10/2026

Property

No Property Findings

Resolved

03/14/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000175

XXXXX

XXX

FCRE8999

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/12/2026

Credit

No Credit Findings

Resolved

03/14/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000175

XXXXX

XXX

FPRO8998

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/12/2026

Property

No Property Findings

Resolved

03/14/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000175

XXXXX

XXX

FCOM8997

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/12/2026

Compliance

No Compliance Findings

Resolved

03/14/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000107

XXXXX

XXX

FCRE9785

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/13/2026

Credit

Purchase Contract is Incomplete

Acknowledged

03/14/2026

Purchase Contract is Incomplete

Loan Purpose is Purchase but Purchase Contract Doc is Incomplete Selling Price change to XXX from Initial XXX missing addendum on file.

Closed

Acknowledged, accepting 2/B grading.

71000107

XXXXX

XXX

FCRE6636

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/13/2026

Credit

Missing Income - Award Letter

Resolved

04/01/2026

Missing Income - Award Letter

Missing a copy of the benefit verification letter, notice of award letter or equivalent documentation from the payor that provides and establishes these terms as documentation provided does not reflect the frequency of the distribution as IRA is newly established per guidelines.

Document Uploaded. The income does not come from a formal distribution or award, it is calculated using Agency-approved asset depletion guidelines.

Per the asset depletion worksheet, the borrower's net documented assets XX/XX/XXXX qualifying pension/retirement income = XXX months continuance.; Document Uploaded. Borrower was qualified using "asset depletion", please see attached worksheet.

Closed

Client States: The income does not come from a formal distribution or award, it is calculated using Agency-approved asset depletion guidelines. Per the asset depletion worksheet, the borrower's net documented assets XX/XX/XXXX qualifying pension/retirement income = XXX months continuance. LM Updated.; IRA Distribution is newly established missing a copy of the benefit verification letter, notice of award letter or equivalent documentation from the payor that provides and establishes these terms. documentation provided reflects XXX and that it is recurring, but documentation does not reflect how often; will condition for updated documentation reflecting how often borrower is to receive distribution. Asset depletion worksheet does not apply to the IRA distribution; asset depletion worksheet provided

71000107

XXXXX

XXX

FCRE1330

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/13/2026

Credit

Borrower 1 Paystubs Missing

Resolved

03/25/2026

Borrower 1 Paystubs Missing

Borrower 1 Paystubs Missing Missing current YTD paystub for XXX as documentation provided is missing both income and Year to Date income; per guidelines YTD paystub is required.

Document Uploaded.

Closed

Borrower 1 Paystubs Provided; VOE income provided

71000107

XXXXX

XXX

FCOM8997

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/13/2026

Compliance

No Compliance Findings

Resolved

03/14/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000107

XXXXX

XXX

FPRO8998

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/13/2026

Property

No Property Findings

Resolved

03/14/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000003

XXXXX

XXX

FCOM8997

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/13/2026

Compliance

No Compliance Findings

Resolved

03/16/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000003

XXXXX

XXX

FPRO8998

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/16/2026

Property

No Property Findings

Resolved

03/16/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000003

XXXXX

XXX

FCRE8999

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/16/2026

Credit

No Credit Findings

Resolved

03/16/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000029

XXXXX

XXX

FCOM1227

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/13/2026

Credit

PUD Rider is Missing

Resolved

04/03/2026

PUD Rider is Missing

PUD Rider is Missing U/W note: PUD Rider (Form XXX) is missing from the loan file. Provide the fully executed PUD Rider, signed and dated by all borrowers at time of closing.

Document Uploaded.

Closed

The PUD Rider is Present or is Not Applicable (Property Type is PUD); Corrected DOT adding PUD rider provided, evidence of recording.

71000029

XXXXX

XXX

FPRO9990

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/16/2026

Property

Third Party Valuation Product Not Provided within 10% Tolerance

Resolved

03/20/2026

Third Party Valuation Product Not Provided within XXX Tolerance

Third Party Valuation Product Not Provided or Not Provided Within Tolerance.

Document Uploaded.

Closed

Third party valuation product provided within tolerance.; Client provided XXX. LM Updated.

71000029

XXXXX

XXX

FCRE1316

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/13/2026

Credit

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved

03/19/2026

Borrower 1 3rd Party VOE Prior to Close Missing

Borrower 1 3rd Party VOE Prior to Close Missing U/W note: 3rd party verbal/written VOE required for all employed borrowers prior to closing per XXX guidelines; condition remains open pending receipt. Underwriter to verify active employment status confirmed.

Document Uploaded. Email in file from XXX stating they are both active on XX/XX/XXXX

Closed

Borrower 1 3rd Party VOE Prior to Close Was Provided; VVOE XX/XX/XXXX

71000029

XXXXX

XXX

FCRE1347

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/13/2026

Credit

Borrower 2 3rd Party VOE Prior to Close Missing

Resolved

03/19/2026

Borrower 2 3rd Party VOE Prior to Close Missing

Borrower 2 3rd Party VOE Prior to Close Missing U/W note: 3rd party verbal/written VOE required for all employed borrowers prior to closing per XXX guidelines; condition remains open pending receipt. Underwriter to verify active employment status confirmed.

Document Uploaded. Email in file from XXX stating they are both active on XX/XX/XXXX

Closed

Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX); VVOE provided XX/XX/XXXX

71000029

XXXXX

XXX

FCOM8997

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/16/2026

Compliance

No Compliance Findings

Resolved

03/16/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000177

XXXXX

XXX

FCOM8997

XXXXX

Rate Term Refinance Lender Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/13/2026

Compliance

No Compliance Findings

Resolved

03/16/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000177

XXXXX

XXX

FPRO8998

XXXXX

Rate Term Refinance Lender Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/16/2026

Property

No Property Findings

Resolved

03/16/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000047

XXXXX

XXX

FCRE7497

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/16/2026

Credit

Missing verification of taxes, insurance, and/or HOA fees for non-subject property

Resolved

03/20/2026

Missing verification of taxes, insurance, and/or HOA fees for non-subject property

Missing current mortgage Statement or equivalent documentation or proof that the mortgage for property XXX has been paid in full and property is owned XXX as the most recent tax returns reflect mortgage interest and XXX indicates a mortgage recorded on XX/XX/XXXX with XXX in the amount of XXX as rental income appears to have been calculated as property is owned Free & Clear. Also fraud report does not shown any lien.

Document Uploaded. T&I were already provided

Closed

Client provided Property Detail report reflecting XXX Trust as the current owner of XXX and Evidence of Insurance for the same property. LM Updated.

71000047

XXXXX

XXX

FCOM8997

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/16/2026

Compliance

No Compliance Findings

Resolved

03/16/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000047

XXXXX

XXX

FPRO8998

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/16/2026

Property

No Property Findings

Resolved

03/16/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000167

XXXXX

XXX

finding-3652

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/16/2026

Compliance

Lender Credits That Cannot Decrease Test

Resolved

03/25/2026

Lender Credits That Cannot Decrease Test

TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to XXX An updated rate lock confirmation was provided that indicated a DTI change, however, there was no date to determine if the disclosure timing requirements were met. This violation can be cured by providing a date of the pricing change and/or a valid COC. This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits (XXX Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).

Document Uploaded.

Closed

Valid COC received - exception resolved; Valid COC received - exception resolved

71000167

XXXXX

XXX

FCRE1185

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/16/2026

Credit

AUS Partially Provided

Resolved

03/20/2026

AUS Partially Provided

AUS Partially Provided Please provide all pages of Submission XXX of AUS

Document Uploaded. AUS XXX in file

Closed

AUS is not incomplete; Client provided Full DU Submission XXX report. LM Updated.

71000167

XXXXX

XXX

FPRO1136

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/13/2026

Property

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

Resolved

03/20/2026

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

Primary Value Subject Property Appraisal is not on an As-Is Basis Missing form 1004D

Document Uploaded. 1004D XXX% completed

Closed

Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable; Client provided 1004D for the subject property. LM Updated.

71000027

XXXXX

XXX

FPRO8998

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/16/2026

Property

No Property Findings

Resolved

03/17/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational Only

71000027

XXXXX

XXX

FCRE8999

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/16/2026

Credit

No Credit Findings

Resolved

03/17/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational Only

71000027

XXXXX

XXX

FCOM8997

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/16/2026

Compliance

No Compliance Findings

Resolved

03/17/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational Only

71000021

XXXXX

XXX

FPRO8998

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/17/2026

Property

No Property Findings

Resolved

03/18/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational Only

71000021

XXXXX

XXX

FCRE8999

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/17/2026

Credit

No Credit Findings

Resolved

03/18/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational Only

71000021

XXXXX

XXX

FCOM8997

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/17/2026

Compliance

No Compliance Findings

Resolved

03/18/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational Only

71000193

XXXXX

XXX

FCRE7497

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/18/2026

Credit

Missing verification of taxes, insurance, and/or HOA fees for non-subject property

Resolved

04/01/2026

Missing verification of taxes, insurance, and/or HOA fees for non-subject property

XXX For this Property Tax and Insurance Document is missing in this Loan File

Document Uploaded.

Closed

Client provided HOI and Property Detail report for XXX . LM Updated.

71000193

XXXXX

XXX

FPRO8998

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/18/2026

Property

No Property Findings

Resolved

03/19/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000193

XXXXX

XXX

FCOM8997

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Compliance

No Compliance Findings

Resolved

03/19/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000067

XXXXX

XXX

FCOM9186

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Compliance

eSigned Documents Consent is Missing

Acknowledged

03/20/2026

eSigned Documents Consent is Missing

The eSigned consent disclosure is missing. The eSigned documents consent is missing for initial disclosures dated XX/XX/XXXX or prior.

Closed

Acknowledged, accepting 2/B grading; Acknowledged, accepting 2/B grading

71000067

XXXXX

XXX

finding-3652

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/17/2026

Compliance

Lender Credits That Cannot Decrease Test

Resolved

03/31/2026

Lender Credits That Cannot Decrease Test

This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits (XXX Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX Please provide the initial LE issued within XXX business days of the application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided.

Document Uploaded.

Closed

Initial LE provided; exception resolved; Initial LE provided; exception resolved

71000067

XXXXX

XXX

finding-3367

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/17/2026

Compliance

RESPA Homeownership Counseling Organizations Disclosure Date Test

Resolved

03/31/2026

RESPA Homeownership Counseling Organizations Disclosure Date Test

This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); or The homeownership counseling organizations disclosure date is after the closing date. Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data. This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application, XX/XX/XXXX.

Closed

Initial HOC provided; exception resolved; Initial HOC provided; exception resolved; Acknowledged, accepting 2/B grading;

71000067

XXXXX

XXX

finding-3634

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/17/2026

Compliance

Charges That Cannot Increase Test

Resolved

03/31/2026

Charges That Cannot Increase Test

This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX Please provide the initial LE issued within XXX business days of the application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided.

Document Uploaded.

Closed

Initial LE provided; exception resolved; Initial LE provided; exception resolved

71000067

XXXXX

XXX

finding-3635

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/17/2026

Compliance

Charges That In Total Cannot Increase More Than 10% Test

Resolved

03/31/2026

Charges That In Total Cannot Increase More Than XXX Test

This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE and Written List of Service Providers issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE and XXX is dated XX/XX/XXXX Please provide the initial LE and XXX issued within XXX business days of the application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided.

Document Uploaded.

Closed

Initial LE provided; exception resolved; Initial LE provided; exception resolved

71000067

XXXXX

XXX

finding-3515

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/17/2026

Compliance

Initial Loan Estimate Delivery Date Test (from application)

Resolved

03/31/2026

Initial Loan Estimate Delivery Date Test (from application)

This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application. Therefore, if additional disclosures are entered into XXX, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure. This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per compliance report in file) is missing from the loan file. The earliest LE in the loan file was issued on XX/XX/XXXX. The violation can be cured by providing the initial LE within XXX days of application date XX/XX/XXXX.

Document Uploaded. The initial loan package

Closed

Initial LE provided; exception resolved; Initial LE provided; exception resolved

71000067

XXXXX

XXX

FPRO8998

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/17/2026

Property

No Property Findings

Resolved

03/19/2026

No Property Findings

Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.

Closed

Informational

71000067

XXXXX

XXX

FCRE8999

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Credit

No Credit Findings

Resolved

03/19/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000131

XXXXX

XXX

FCRE8999

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/18/2026

Credit

No Credit Findings

Resolved

03/19/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000131

XXXXX

XXX

FPRO8998

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/18/2026

Property

No Property Findings

Resolved

03/19/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000131

XXXXX

XXX

FCOM8997

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/18/2026

Compliance

No Compliance Findings

Resolved

03/19/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000155

XXXXX

XXX

FCRE7497

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/18/2026

Credit

Missing verification of taxes, insurance, and/or HOA fees for non-subject property

Resolved

03/30/2026

Missing verification of taxes, insurance, and/or HOA fees for non-subject property

XXX - Tax proof of document is missing

Document Uploaded.

Closed

Client provided Property Detail report for XXX . LM Updated.

71000155

XXXXX

XXX

FPRO8998

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/18/2026

Property

No Property Findings

Resolved

03/19/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000155

XXXXX

XXX

FCOM8997

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/18/2026

Compliance

No Compliance Findings

Resolved

03/19/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000187

XXXXX

XXX

FCRE1201

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/18/2026

Credit

Third Party Fraud Report not Provided

Resolved

03/30/2026

Third Party Fraud Report not Provided

Missing Third Party Fraud Report Fraud report is missing and is required per guidelines.

Document Uploaded.

Closed

Third Party Fraud Report is provided; Client provided Third Party Fraud Report. LM Updated.

71000187

XXXXX

XXX

FCOM8997

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/18/2026

Compliance

No Compliance Findings

Resolved

03/19/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000187

XXXXX

XXX

FPRO8998

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Property

No Property Findings

Resolved

03/19/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000163

XXXXX

XXX

FCRE1491

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/18/2026

Credit

Asset Qualification Does Not Meet Guideline Requirements

Resolved

04/01/2026

Asset Qualification Does Not Meet Guideline Requirements

Asset Qualification Does Not Meet Guideline Requirements Missing XXX #XXX Statement with assets totaling XXX and XXX #XXX with assets totaling XXX per Final 1003

Closed

Client provided XXX Statement for accounts #XXX and #XXX. LM Updated.; Asset Qualification Meets Guideline Requirements.

71000163

XXXXX

XXX

FCRE3843

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Credit

Guideline Seasoning not Met

Resolved

04/01/2026

Guideline Seasoning not Met

The required number of months reserves are to be seasoned does not meet Guideline requirement. Missing XXX #XXX Statement with assets totaling XXX and XXX #XXX with assets totaling XXX per Final 1003

Closed

Client provided XXX Statement for accounts #XXX and #XXX. LM Updated.; The required number of months reserves are to be seasoned does meet Guideline requirement.

71000163

XXXXX

XXX

FCRE1198

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/18/2026

Credit

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

Resolved

04/01/2026

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

Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s) Missing XXX #XXX Statement with assets totaling XXX and XXX #XXX with assets totaling XXX per Final 1003

Closed

Client provided XXX Statement for accounts #XXX and #XXX. LM Updated.; Audited Reserves of XX/XX/XXXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s)

71000163

XXXXX

XXX

FCRE9995

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/18/2026

Credit

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

Resolved

04/01/2026

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

Audited Reserves of XXX are less than Guideline Required Reserves of XXX Missing XXX #XXX Statement with assets totaling XXX and XXX #XXX with assets totaling XXX per Final 1003

Document Uploaded.

Closed

Audited Reserves of XXX are equal to or greater than AUS Required Reserves of XXX Client provided XXX Statement for accounts #XXX and #XXX. LM Updated.

71000163

XXXXX

XXX

FPRO8998

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/18/2026

Property

No Property Findings

Resolved

03/20/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000163

XXXXX

XXX

FCOM8997

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Compliance

No Compliance Findings

Resolved

03/20/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000137

XXXXX

XXX

FCRE1206

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/18/2026

Credit

All Interested Parties Not Checked with Exclusionary Lists

Resolved

03/30/2026

All Interested Parties Not Checked with Exclusionary Lists

All Interested Parties Not Checked with Exclusionary Lists.

Closed

All Interested Parties Checked against Exclusionary Lists

71000137

XXXXX

XXX

FCRE1205

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/18/2026

Credit

OFAC Check Not Completed and/or Cleared

Resolved

03/30/2026

OFAC Check Not Completed and/or Cleared

Closed

XXX Check Completed and Cleared

71000137

XXXXX

XXX

FCRE1201

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/18/2026

Credit

Third Party Fraud Report not Provided

Resolved

03/30/2026

Third Party Fraud Report not Provided

Missing Third Party Fraud Report

Document Uploaded.

Closed

Third Party Fraud Report is provided; Client provided Third Party Fraud Report for both Borrowers. LM Updated.

71000137

XXXXX

XXX

FCRE1360

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/18/2026

Credit

Borrower 2 Paystubs Missing

Resolved

03/30/2026

Borrower 2 Paystubs Missing

Document Uploaded.

Closed

Borrower 2 Paystubs Provided or Not Applicable (Number of Borrowers equals XXX); Client provided B2 Paystub dated XX/XX/XXXX. LM Updated.

71000137

XXXXX

XXX

FCOM8997

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/18/2026

Compliance

No Compliance Findings

Resolved

03/20/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000059

XXXXX

XXX

FPRO9990

XXXXX

Limited Cash Out (GSE Definition)

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/20/2026

Property

Third Party Valuation Product Not Provided within 10% Tolerance

Resolved

03/30/2026

Third Party Valuation Product Not Provided within XXX Tolerance

Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing

Document Uploaded.

Closed

Third party valuation product provided within tolerance.; Client provided XXX and XXX. LM Updated.

71000059

XXXXX

XXX

FCRE8999

XXXXX

Limited Cash Out (GSE Definition)

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/18/2026

Credit

No Credit Findings

Resolved

03/20/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000059

XXXXX

XXX

FCOM8997

XXXXX

Limited Cash Out (GSE Definition)

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/20/2026

Compliance

No Compliance Findings

Resolved

03/20/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000135

XXXXX

XXX

finding-3634

XXXXX

Limited Cash Out (GSE Definition)

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Compliance

Charges That Cannot Increase Test

Resolved

04/01/2026

Charges That Cannot Increase Test

This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. The file is missing a valid COC to support the following fee increase: -The loan amount increased from XXX with transfer taxes of XXX (pg. XXX), to XXX with transfer taxes of XXX (pg. XXX), on the initial CD dated, XX/XX/XXXX. The file is missing a valid COC, issued within XXX business days prior to the initial CD, dated XX/XX/XXXX, to support the increase of the loan amount and the transfer taxes. Please provide a COC that precedes the initial CD, and additional testing will be completed.

Document Uploaded.

Closed

Valid COC provided; Exception resolved; Valid COC provided; Exception resolved

71000135

XXXXX

XXX

FCRE8999

XXXXX

Limited Cash Out (GSE Definition)

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Credit

No Credit Findings

Resolved

03/23/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000135

XXXXX

XXX

FPRO8998

XXXXX

Limited Cash Out (GSE Definition)

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Property

No Property Findings

Resolved

03/23/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000093

XXXXX

XXX

FPRO8998

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Property

No Property Findings

Resolved

03/23/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000093

XXXXX

XXX

FCOM8997

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Compliance

No Compliance Findings

Resolved

03/23/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000093

XXXXX

XXX

FCRE8999

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/23/2026

Credit

No Credit Findings

Resolved

03/23/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000143

XXXXX

XXX

FPRO1136

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Property

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

Resolved

04/02/2026

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

Primary Value Subject Property Appraisal is not on an As-Is Basis Appraisal Show Subject to Completion but 1004D Document is Missing

Document Uploaded.

Closed

Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable; Client provided Appraisal Updated and/or Completion Report. LM Updated.

71000143

XXXXX

XXX

FCRE8999

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Credit

No Credit Findings

Resolved

03/23/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000143

XXXXX

XXX

FCOM8997

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Compliance

No Compliance Findings

Resolved

03/23/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000043

XXXXX

XXX

FPRO8998

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Property

No Property Findings

Resolved

03/23/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000043

XXXXX

XXX

FCRE8999

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Credit

No Credit Findings

Resolved

03/23/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000043

XXXXX

XXX

FCOM8997

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Compliance

No Compliance Findings

Resolved

03/23/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000063

XXXXX

XXX

FCRE8999

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Credit

No Credit Findings

Resolved

03/23/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000063

XXXXX

XXX

FPRO8998

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Property

No Property Findings

Resolved

03/23/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000063

XXXXX

XXX

FCOM8997

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Compliance

No Compliance Findings

Resolved

03/23/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000097

XXXXX

XXX

FCRE1148

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Credit

Title Coverage is Less than Subject Lien

Acknowledged

03/23/2026

Title Coverage is Less than Subject Lien

Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX

Closed

Acknowledged, accepting 2/B grading; Acknowledged, accepting 2/B grading

71000097

XXXXX

XXX

finding-47

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Compliance

TILA Right of Rescission Test

Resolved

04/01/2026

TILA Right of Rescission Test

This loan failed the TILA right of rescission test losed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3) he funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Documentation Required: The Disbursement date of XXX is the same date as the Cancel date on the XXX, proof of actual disbursement date is required to resolve or a cure package requires PCCD, LOE, New XXX providing XXX days right to cancel.

Document Uploaded.

Closed

PCCD with updated disbursement date provided; exception resolved; PCCD with updated disbursement date provided; exception resolved

71000097

XXXXX

XXX

FCRE8999

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Credit

No Credit Findings

Resolved

03/23/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000097

XXXXX

XXX

FPRO8998

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Property

No Property Findings

Resolved

03/23/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000153

XXXXX

XXX

FCRE1764

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Credit

Missing Verification of Mortgage

Resolved

04/01/2026

Missing Verification of Mortgage

XXX - The mortgage Statement/VOM is missing. Final 1003 Disclosed a mortgage, seems to be held privately by Individual XXX.

Document Uploaded.

Closed

Client provided Note, Payment history from XX/XX/XXXX through XX/XX/XXXX and XXX months bank Statements reflecting XXX, XXX making payments. LM Updated.

71000153

XXXXX

XXX

finding-3652

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Compliance

Lender Credits That Cannot Decrease Test

Resolved

04/01/2026

Lender Credits That Cannot Decrease Test

TILA 130b Cure Required. Refund in the amount of XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to decrease from XXX to XXX for the Lender's Credit. This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits (XXX Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).

Document Uploaded.

Closed

Valid COC provided; Exception resolved; Valid COC provided; Exception resolved

71000153

XXXXX

XXX

finding-47

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/23/2026

Compliance

TILA Right of Rescission Test

Resolved

04/01/2026

TILA Right of Rescission Test

This loan failed the TILA right of rescission test losed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3) he funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Documentation Required: The disbursement date of XX/XX/XXXX is before the cancel by date on the XXX listed as XX/XX/XXXX. Proof of actual disbursement date is required to resolve or a cure package requires PCCD, LOE, new XXX providing XXX days right to cancel

Document Uploaded.

Closed

PCCD with updated disbursement date provided; exception resolved; PCCD with updated disbursement date provided; exception resolved

71000153

XXXXX

XXX

FPRO8998

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Property

No Property Findings

Resolved

03/23/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000079

XXXXX

XXX

finding-3635

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/20/2026

Compliance

Charges That In Total Cannot Increase More Than 10% Test

Cured

04/01/2026

Charges That In Total Cannot Increase More Than XXX Test

This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to an increase from XXX to XXX for the mobile notary fee and an increase from XXX to XXX for the settlement or closing fee (all title fees paid to provider of lender).

Document Uploaded.

Closed

Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B

71000079

XXXXX

XXX

FPRO8998

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Property

No Property Findings

Resolved

03/23/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000079

XXXXX

XXX

FCRE8999

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Credit

No Credit Findings

Resolved

03/23/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000099

XXXXX

XXX

FCRE7497

XXXXX

Rate Term Refinance Borrower Initiation

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Credit

Missing verification of taxes, insurance, and/or HOA fees for non-subject property

Resolved

03/31/2026

Missing verification of taxes, insurance, and/or HOA fees for non-subject property

XXX- HOA XXX Supporting Doc is missing.

Document Uploaded.

Closed

Client provided email stating: For XXX , I am not locating the HOA amount either. The good new is that this is a XXX with XXX HOA Fees so we are actually hitting the DTI with a phantom HOA and the loan qualifies. Neither the XXX or XXX Schedule E identifies HOA dues and the XXX loan for XXX has an XXX explaining the XXX with no HOA (Uploaded in Underwriting-Misc folder). XXX identifies the property as a condo and does not list any HOA dues which supports the Schedule E and XXX. LM Updated.

71000099

XXXXX

XXX

FCRE1437

XXXXX

Rate Term Refinance Borrower Initiation

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Credit

Income and Employment Do Not Meet Guidelines

Resolved

03/30/2026

Income and Employment Do Not Meet Guidelines

Income and Employment Do Not Meet Guidelines Missing a XXX P&L/Balance sheet from XXX to support the borrowers XXX-XXX average income. Required due to the income used for qualifying is over XXX months old so will need to validate the self employment income is at previous levels.

Document Uploaded. The AUS Product Profile, Page XXX refers the user to the GSA/AUS for income requirements.

Per XXX, XX/XX/XXXX (attached) the XXX tax returns are acceptable and there is no requirement for a Profit & Loss statement.

Closed

Client provided Asset Depletion Income calculation. LM Updated.; Income and Employment Meet Guidelines

71000099

XXXXX

XXX

FCRE1296

XXXXX

Rate Term Refinance Borrower Initiation

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Credit

Income 5 Months Income Verified is Missing

Resolved

03/30/2026

Income 5 Months Income Verified is Missing

Income 5 Months Income Verified is Missing B2 Retirement XXX income doc is missing. Lender to provide an explanation and any additional documentation to support the income of XXX listed on the Final 1003.

Document Uploaded.

Closed

Client provided Asset Depletion Income calculation. LM Updated.; Income XXX Months Income Verified is Present Or Not Applicable

71000099

XXXXX

XXX

FPRO8998

XXXXX

Rate Term Refinance Borrower Initiation

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Property

No Property Findings

Resolved

03/23/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000099

XXXXX

XXX

FCOM8997

XXXXX

Rate Term Refinance Borrower Initiation

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Compliance

No Compliance Findings

Resolved

03/23/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000069

XXXXX

XXX

FPRO8998

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Property

No Property Findings

Resolved

03/23/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000069

XXXXX

XXX

FCOM8997

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/23/2026

Compliance

No Compliance Findings

Resolved

03/23/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000069

XXXXX

XXX

FCRE8999

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/23/2026

Credit

No Credit Findings

Resolved

03/23/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000033

XXXXX

XXX

FPRO8998

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Property

No Property Findings

Resolved

03/23/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000033

XXXXX

XXX

FCRE8999

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Credit

No Credit Findings

Resolved

03/23/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000033

XXXXX

XXX

FCOM8997

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/23/2026

Compliance

No Compliance Findings

Resolved

03/23/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000157

XXXXX

XXX

FPRO8998

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Property

No Property Findings

Resolved

03/23/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000157

XXXXX

XXX

FCRE8999

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Credit

No Credit Findings

Resolved

03/23/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000157

XXXXX

XXX

FCOM8997

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Compliance

No Compliance Findings

Resolved

03/23/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000125

XXXXX

XXX

FCRE1185

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/23/2026

Credit

AUS Partially Provided

Resolved

04/01/2026

AUS Partially Provided

Document Uploaded.

Closed

AUS is not incomplete.; Client provided Updated DU. LM Updated.

71000125

XXXXX

XXX

FCRE7497

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Credit

Missing verification of taxes, insurance, and/or HOA fees for non-subject property

Resolved

04/01/2026

Missing verification of taxes, insurance, and/or HOA fees for non-subject property

XXX - Tax cert is missing

Document Uploaded.

Closed

Client provided Property Detail report for XXX. LM Updated.

71000125

XXXXX

XXX

FPRO8998

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Property

No Property Findings

Resolved

03/23/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000125

XXXXX

XXX

FCOM8997

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Compliance

No Compliance Findings

Resolved

03/23/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000065

XXXXX

XXX

FCRE1193

XXXXX

Cash Out: Other/Multi purpose Unknown Purpose

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Credit

Audited DTI Exceeds Guideline DTI

Resolved

04/01/2026

Audited DTI Exceeds Guideline DTI

Audited DTI of XXX% exceeds Guideline DTI of XXX% Missing lender income worksheet to verify income. lender did not account for HOA dues of XXX per monthnth in final XXX.

Closed

Client States: Document Uploaded. I agree we did not include the HOA dues. But before I fix that, I want to make sure you're comfortable with our qualifying income. Thanks! Agree with Calculation removed Schedule F income loss. DTI XXX%. ; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%

71000065

XXXXX

XXX

FCRE1186

XXXXX

Cash Out: Other/Multi purpose Unknown Purpose

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Credit

Audited DTI Exceeds AUS DTI

Resolved

04/01/2026

Audited DTI Exceeds AUS DTI

Audited DTI of XXX% exceeds AUS DTI of XXX% Missing lender income worksheet to verify income. lender did not account for HOA dues of XXX per monthnth in final XXX.

Document Uploaded. I agree we did not include the HOA dues. But before I fix that, I want to make sure you're comfortable with our qualifying income. Thanks!

Closed

71000065

XXXXX

XXX

FPRO8998

XXXXX

Cash Out: Other/Multi purpose Unknown Purpose

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Property

No Property Findings

Resolved

03/23/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000065

XXXXX

XXX

FCOM8997

XXXXX

Cash Out: Other/Multi purpose Unknown Purpose

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/23/2026

Compliance

No Compliance Findings

Resolved

03/23/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000173

XXXXX

XXX

FCOM3849

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/23/2026

Compliance

Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))

Acknowledged

03/23/2026

Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))

The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close.

Closed

Acknowledged, accepting 2/B grading; Acknowledged, accepting 2/B grading

71000173

XXXXX

XXX

finding-3367

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Compliance

RESPA Homeownership Counseling Organizations Disclosure Date Test

Resolved

03/31/2026

RESPA Homeownership Counseling Organizations Disclosure Date Test

This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); or The homeownership counseling organizations disclosure date is after the closing date. Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data. This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application, XX/XX/XXXX.

Closed

Initial HOC provided; exception resolved; Initial HOC provided; exception resolved; Acknowledged, accepting 2/B grading;

71000173

XXXXX

XXX

finding-3526

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Compliance

Revised Loan Estimate Delivery Date Test (prior to consummation)

Resolved

03/31/2026

Revised Loan Estimate Delivery Date Test (prior to consummation)

This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or The revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or The revised loan estimate delivery date is on or after the initial closing disclosure delivery date. The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. Without evidence of receipt, it is assumed that the revised disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX business days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence showing the consumer received the loan estimate at least XXX business days prior to consummation

Document Uploaded.

Closed

Revised LE receipt date provided; exception resolved; Revised LE receipt date provided; exception resolved

71000173

XXXXX

XXX

finding-3634

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Compliance

Charges That Cannot Increase Test

Resolved

03/31/2026

Charges That Cannot Increase Test

This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at XXX and will not reset. Cure- Provide a copy of the Initial LE dated with XXX days of the initial application XX/XX/XXXX.

Document Uploaded.

Closed

Initial LE provided; exception resolved; Initial LE provided; exception resolved

71000173

XXXXX

XXX

finding-3635

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Compliance

Charges That In Total Cannot Increase More Than 10% Test

Resolved

03/31/2026

Charges That In Total Cannot Increase More Than XXX Test

This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at XXX and will not reset. Cure- Provide a copy of the Initial LE and Written List of Service Providers dated with XXX days of the initial application XX/XX/XXXX.

Document Uploaded.

Closed

Initial LE provided; exception resolved; Initial LE provided; exception resolved

71000173

XXXXX

XXX

finding-3515

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Compliance

Initial Loan Estimate Delivery Date Test (from application)

Resolved

03/31/2026

Initial Loan Estimate Delivery Date Test (from application)

This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application. Therefore, if additional disclosures are entered into XXX, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure. This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per Mavent Compliance Report) is missing from the loan file. The earliest LE in the loan file was issued on XX/XX/XXXX. The violation can be cured by providing the initial LE within XXX days of application date XX/XX/XXXX

Document Uploaded. Initial loan XXX.

Closed

Initial LE provided; exception resolved; Initial LE provided; exception resolved

71000173

XXXXX

XXX

FCRE1316

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Credit

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved

03/30/2026

Borrower 1 3rd Party VOE Prior to Close Missing

Borrower 1 3rd Party VOE Prior to Close Missing Verbal verification of employment for Borrower 1 is not in file.

Document Uploaded.

Closed

Borrower 1 3rd Party VOE Prior to Close Was Provided; Client provided VVOE dated XX/XX/XXXX. LM Updated.

71000173

XXXXX

XXX

FPRO8998

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Property

No Property Findings

Resolved

03/23/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000139

XXXXX

XXX

FCRE7497

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/20/2026

Credit

Missing verification of taxes, insurance, and/or HOA fees for non-subject property

Resolved

04/10/2026

Missing verification of taxes, insurance, and/or HOA fees for non-subject property

Need real eState tax and HOA dues amounts for investment property located at XXX . Amount entered is taken from 1003.

Document Uploaded. ; Document Uploaded.

Closed

Client provided HOA Statement reflecting XXX per month. LM Updated.; Client provided Property Tax Statement for XXX . The client also provided XXX reflecting reoccurring payments to XXX. However, the Statement does not reflect the HOA amount.

71000139

XXXXX

XXX

FCRE1159

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/20/2026

Credit

Hazard Insurance Effective Date is after the Disbursement Date

Acknowledged

04/01/2026

Hazard Insurance Effective Date is after the Disbursement Date

Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. Insurance policy effective date of XX/XX/XXXX is after the disbursement date of XX/XX/XXXX. Provide corrected insurance declaration page.

Document Uploaded.

Closed

Acknowledged, accepting 2/B grading; Client provided Letter of Attestation stating: XXX, hereby attest to the following: Between the dates of XX/XX/XXXX (Closing) and XX/XX/XXXX (effective date of insurance), XXX has not been notified or made aware of any insurance claims against the property by the consumer or applicable third party. As of XX/XX/XXXX the insurance policy became effective and remains in effect until its Stated expiration date of XX/XX/XXXX. LM Updated.

71000139

XXXXX

XXX

FCRE1474

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/20/2026

Credit

Asset 8 Missing

Resolved

03/30/2026

Asset 8 Missing

Asset 8 Missing Closing disclosure or settlement Statement required to confirm sale proceeds from sale of XXX.

Document Uploaded. Home did not sell, it was under contract and therefore omitted.

Closed

Asset 8 Provided Or Not Applicable; Client States: Document Uploaded. Home did not sell, it was under contract and therefore omitted. LM Updated.

71000139

XXXXX

XXX

FCOM8997

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Compliance

No Compliance Findings

Resolved

03/23/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000139

XXXXX

XXX

FPRO8998

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/20/2026

Property

No Property Findings

Resolved

03/23/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000049

XXXXX

XXX

FCRE8999

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Credit

No Credit Findings

Resolved

03/23/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000049

XXXXX

XXX

FPRO8998

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/19/2026

Property

No Property Findings

Resolved

03/23/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000049

XXXXX

XXX

FCOM8997

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/23/2026

Compliance

No Compliance Findings

Resolved

03/23/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000161

XXXXX

XXX

finding-3652

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/23/2026

Compliance

Lender Credits That Cannot Decrease Test

Resolved

04/06/2026

Lender Credits That Cannot Decrease Test

TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to XXX A COC dated XX/XX/XXXX was provided but did not give a specific reason for the credit decrease. In addition, the file was missing any other evidence of pricing change/updated lock confirmation, etc. to support the reason for the credit decrease. This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits (XXX Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).

Document Uploaded. We acknowledge the lender credits were ; Document Uploaded. ; Document Uploaded.

Closed

Valid COC provided; exception resolved; Valid COC provided; exception resolved; The lender credits increased again on the initial CD, then decreased on the revised CD. Provide COC for the decrease on the CD dated XX/XX/XXXX

71000161

XXXXX

XXX

FCRE8999

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/20/2026

Credit

No Credit Findings

Resolved

03/24/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000161

XXXXX

XXX

FPRO8998

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/20/2026

Property

No Property Findings

Resolved

03/24/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000151

XXXXX

XXX

FPRO9990

XXXXX

Cash Out: Other/Multi purpose Unknown Purpose

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/20/2026

Property

Third Party Valuation Product Not Provided within 10% Tolerance

Resolved

03/31/2026

Third Party Valuation Product Not Provided within XXX Tolerance

Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The Collateral Underwriter Risk Score is XXX Desk review and AVM in file greater than XXX% variance.

Document Uploaded.

Closed

Third party valuation product provided within tolerance.; Field review provided

71000151

XXXXX

XXX

FCRE8999

XXXXX

Cash Out: Other/Multi purpose Unknown Purpose

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/20/2026

Credit

No Credit Findings

Resolved

03/24/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000151

XXXXX

XXX

FCOM8997

XXXXX

Cash Out: Other/Multi purpose Unknown Purpose

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/24/2026

Compliance

No Compliance Findings

Resolved

03/24/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000165

XXXXX

XXX

FCRE8999

XXXXX

Limited Cash Out (GSE Definition)

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/20/2026

Credit

No Credit Findings

Resolved

03/24/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000165

XXXXX

XXX

FPRO8998

XXXXX

Limited Cash Out (GSE Definition)

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/20/2026

Property

No Property Findings

Resolved

03/24/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000165

XXXXX

XXX

FCOM8997

XXXXX

Limited Cash Out (GSE Definition)

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/22/2026

Compliance

No Compliance Findings

Resolved

03/24/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000083

XXXXX

XXX

FCRE8999

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/20/2026

Credit

No Credit Findings

Resolved

03/24/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000083

XXXXX

XXX

FCOM8997

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/23/2026

Compliance

No Compliance Findings

Resolved

03/24/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000083

XXXXX

XXX

FPRO8998

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/24/2026

Property

No Property Findings

Resolved

03/24/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000197

XXXXX

XXX

finding-3634

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/20/2026

Compliance

Charges That Cannot Increase Test

Resolved

04/02/2026

Charges That Cannot Increase Test

This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase in XXX fee from XXX on Initial LE dated XX/XX/XXXX to XXX on Final CD dated XX/XX/XXXX without a COC. Cure provided on Final CD of XXX was applied to appraisal fee increase without a COC, remaining XXX cure applied to XXX fee leaving remaining cure due of XXX .

Document Uploaded. Escrow refunded borrower directly. Please see the documents provided

Closed

Lender provided XXX to show the XXX fee was not charged to the borrower at disbursement; exception resolved; Lender provided XXX to show the XXX fee was not charged to the borrower at disbursement; exception resolved

71000197

XXXXX

XXX

FCRE8999

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/20/2026

Credit

No Credit Findings

Resolved

03/24/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000197

XXXXX

XXX

FPRO8998

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/20/2026

Property

No Property Findings

Resolved

03/24/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000189

XXXXX

XXX

FCOM3849

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/24/2026

Compliance

Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))

Acknowledged

03/26/2026

Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))

The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided (pg. XXX) indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely.

Closed

Acknowledged, accepting 2/B grading; Acknowledged, accepting 2/B grading

71000189

XXXXX

XXX

FCRE7497

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/20/2026

Credit

Missing verification of taxes, insurance, and/or HOA fees for non-subject property

Resolved

03/30/2026

Missing verification of taxes, insurance, and/or HOA fees for non-subject property

Missing verification of taxes for non-subject property. (XXX )

Document Uploaded.

Closed

Client provided Property Detail report for XXX reflecting XXX in annual property tax. LM Updated.

71000189

XXXXX

XXX

FPRO8998

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/24/2026

Property

No Property Findings

Resolved

03/24/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000159

XXXXX

XXX

FCRE7497

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/23/2026

Credit

Missing verification of taxes, insurance, and/or HOA fees for non-subject property

Resolved

04/02/2026

Missing verification of taxes, insurance, and/or HOA fees for non-subject property

The XXX Transmittal Summary reflects the borrower is responsible for a XXX in monthly HOA Dues on the subject property, however missing verification of HOA Dues

Document Uploaded.

Closed

Client provided Updated XXX reflecting HOA removed. LM Updated.

71000159

XXXXX

XXX

FPRO8998

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/23/2026

Property

No Property Findings

Resolved

03/25/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000159

XXXXX

XXX

FCOM8997

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/23/2026

Compliance

No Compliance Findings

Resolved

03/25/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000133

XXXXX

XXX

FCOM8997

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/23/2026

Compliance

No Compliance Findings

Resolved

03/25/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000133

XXXXX

XXX

FCRE8999

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/23/2026

Credit

No Credit Findings

Resolved

03/25/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000133

XXXXX

XXX

FPRO8998

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/23/2026

Property

No Property Findings

Resolved

03/25/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000145

XXXXX

XXX

FCOM1851

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/24/2026

Compliance

Incorrect rescission model used - RTC form model H-8 used for Same Lender or Lender Affiliate Refinance

Acknowledged

04/24/2026

Incorrect rescission model used - RTC form model H-8 used for Same Lender or Lender Affiliate Refinance

Incorrect rescission model used -XXX (New Creditor) used for Same Lender or Lender Affiliate Refinance The consumer(s) was provided the incorrect RTC version. The consumer is refinancing with the original (same) creditor (new advance of money with the same creditor). XXX was provided; because the property is located in XXX, XXX should have been used.

Acknowledged as 2/B; Document Uploaded.

Closed

; Downgraded to a 2/B. XXX was provided; because the property is located in XXX the exception can be graded a B

71000145

XXXXX

XXX

FCRE8999

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/23/2026

Credit

No Credit Findings

Resolved

03/25/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000145

XXXXX

XXX

FPRO8998

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/23/2026

Property

No Property Findings

Resolved

03/25/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000075

XXXXX

XXX

FCRE8999

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/23/2026

Credit

No Credit Findings

Resolved

03/25/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000075

XXXXX

XXX

FPRO8998

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/23/2026

Property

No Property Findings

Resolved

03/25/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000075

XXXXX

XXX

FCOM8997

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/24/2026

Compliance

No Compliance Findings

Resolved

03/25/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000007

XXXXX

XXX

FPRO0951

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/23/2026

Property

Condo Approval Missing

Acknowledged

03/26/2026

Condo Approval Missing

Condo Approval Missing. Condo project manager is missing.

Closed

Acknowledged, accepting 2/B grading; Acknowledged, accepting 2/B grading

71000007

XXXXX

XXX

FCRE1185

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/25/2026

Credit

AUS Partially Provided

Resolved

04/02/2026

AUS Partially Provided

AUS Partially Provided. DU submission #XXX is incomplete, please provide entire document.

Document Uploaded.

Closed

AUS is not incomplete.; Client provided Updated DU and XXX LM Updated.

71000007

XXXXX

XXX

FCOM8997

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/24/2026

Compliance

No Compliance Findings

Resolved

03/25/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000195

XXXXX

XXX

FCOM3849

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/25/2026

Compliance

Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))

Acknowledged

03/26/2026

Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))

The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation.  Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely.

Closed

Acknowledged, accepting 2/B grading; Acknowledged, accepting 2/B grading

71000195

XXXXX

XXX

FPRO8998

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/24/2026

Property

No Property Findings

Resolved

03/25/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000195

XXXXX

XXX

FCRE8999

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/24/2026

Credit

No Credit Findings

Resolved

03/25/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000199

XXXXX

XXX

FCRE1316

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/31/2026

Credit

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved

04/08/2026

Borrower 1 3rd Party VOE Prior to Close Missing

Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party VOE Prior to Close Missing

Document Uploaded.

Closed

Borrower 1 3rd Party VOE Prior to Close Was Provided; Client provided WVOE Verified on XX/XX/XXXX. LM Updated.

71000199

XXXXX

XXX

FPRO8998

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/30/2026

Property

No Property Findings

Resolved

03/31/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000199

XXXXX

XXX

FCOM8997

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/31/2026

Compliance

No Compliance Findings

Resolved

03/31/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000127

XXXXX

XXX

FCRE8999

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/30/2026

Credit

No Credit Findings

Resolved

04/01/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000127

XXXXX

XXX

FPRO8998

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/30/2026

Property

No Property Findings

Resolved

04/01/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000127

XXXXX

XXX

FCOM8997

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/01/2026

Compliance

No Compliance Findings

Resolved

04/01/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000119

XXXXX

XXX

FPRO8998

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/30/2026

Property

No Property Findings

Resolved

04/01/2026

No Property Findings

Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.

Closed

Informational

71000119

XXXXX

XXX

FCRE8999

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/30/2026

Credit

No Credit Findings

Resolved

04/01/2026

No Credit Findings

The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.

Closed

Informational

71000119

XXXXX

XXX

FCOM8997

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/31/2026

Compliance

No Compliance Findings

Resolved

04/01/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000129

XXXXX

XXX

finding-47

XXXXX

Cash Out: Other/Multi purpose Unknown Purpose

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/31/2026

Compliance

TILA Right of Rescission Test

Resolved

04/10/2026

TILA Right of Rescission Test

Documentation Required: The disbursement date of XX/XX/XXXX is before the cancel by date on the XXX listed as XX/XX/XXXX. Proof of actual disbursement date is required to resolve or a cure package requires PCCD, LOE, new XXX providing XXX days right to cancel. This loan failed the TILA right of rescission test losed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3) he funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.

Document Uploaded.

Closed

PCCD provided

71000129

XXXXX

XXX

FCRE8999

XXXXX

Cash Out: Other/Multi purpose Unknown Purpose

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/30/2026

Credit

No Credit Findings

Resolved

04/01/2026

No Credit Findings

The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.

Closed

Informational

71000129

XXXXX

XXX

FPRO8998

XXXXX

Cash Out: Other/Multi purpose Unknown Purpose

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/30/2026

Property

No Property Findings

Resolved

04/01/2026

No Property Findings

Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.

Closed

Informational

71000073

XXXXX

XXX

FPRO8998

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/30/2026

Property

No Property Findings

Resolved

04/01/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000073

XXXXX

XXX

FCRE8999

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/30/2026

Credit

No Credit Findings

Resolved

04/01/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000073

XXXXX

XXX

FCOM8997

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/31/2026

Compliance

No Compliance Findings

Resolved

04/01/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000061

XXXXX

XXX

FPRO8998

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/30/2026

Property

No Property Findings

Resolved

04/01/2026

No Property Findings

Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.

Closed

Informational

71000061

XXXXX

XXX

FCOM8997

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/31/2026

Compliance

No Compliance Findings

Resolved

04/01/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000061

XXXXX

XXX

FCRE8999

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/01/2026

Credit

No Credit Findings

Resolved

04/01/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000025

XXXXX

XXX

finding-3551

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/31/2026

Compliance

Post-Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test

Resolved

04/10/2026

Post-Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test

This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. (12 CFR §1026.19(f)(2)(v) he post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or: The post-consummation revised closing disclosure delivery date is more than XXX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; or The provided reimbursement date is more than XXX calendar days after the consummation date, or closing / settlement date if no consummation date was provided. Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. The PCCD cure (XX/XX/XXXX) for violation of tolerance/variation and the PCCD delivery date (XX/XX/XXXX) is more than XXX calendar days after the consummation date, or closing / settlement date of XX/XX/XXXX.

This was discovered on XX/XX/XXXX and redisclosed on XX/XX/XXXX; The cure provision under Section 130(b) of TILA provides a cure period of XXX days from discovery (see below). Accordingly, a cure cannot be effectuated under XXX if outside of XXX days from discovery.

(b) CORRECTION OF XXX.--A creditor or assignee has no liability under this section or section 108 or section 112 for any failure to comply with any requirement imposed under this chapter or chapter 5, if within sixty days after discovering an XXX, whether pursuant to a final written examination report or notice issued under section 108(e)(1) or through the creditor's or assignee's own procedures, and prior to the institution of an action under this section or the receipt of written notice of the XXX from the obligor, the creditor or assignee notifies the person concerned of the XXX and makes whatever adjustments in the appropriate account are necessary to assure that the person will not be required to pay an amount in excess of the charge actually disclosed, or the dollar equivalent of the annual percentage rate actually disclosed, whichever is lower.

Closed

discovery date provided, cure provided within XXX days; exception resolved; provide the discovery date to resolve

71000025

XXXXX

XXX

FCOM1544

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/31/2026

Compliance

TRID: Missing Closing Disclosure

Resolved

04/10/2026

TRID: Missing Closing Disclosure

TRID: Missing Final Closing Disclosure Final CD signed by the borrower at closing is missing from the file.

Document Uploaded.

Closed

TRID: Final Closing Disclosure Provided

71000025

XXXXX

XXX

FCRE8999

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/31/2026

Credit

No Credit Findings

Resolved

03/31/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000025

XXXXX

XXX

FPRO8998

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/31/2026

Property

No Property Findings

Resolved

03/31/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000019

XXXXX

XXX

FCRE8999

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/31/2026

Credit

No Credit Findings

Resolved

04/02/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000019

XXXXX

XXX

FPRO8998

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/31/2026

Property

No Property Findings

Resolved

04/02/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000019

XXXXX

XXX

FCOM8997

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/01/2026

Compliance

No Compliance Findings

Resolved

04/02/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000141

XXXXX

XXX

FCRE8999

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/31/2026

Credit

No Credit Findings

Resolved

04/02/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000141

XXXXX

XXX

FPRO8998

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/31/2026

Property

No Property Findings

Resolved

04/02/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000141

XXXXX

XXX

FCOM8997

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/01/2026

Compliance

No Compliance Findings

Resolved

04/02/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000045

XXXXX

XXX

FCRE8999

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/31/2026

Credit

No Credit Findings

Resolved

04/02/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000045

XXXXX

XXX

FPRO8998

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

03/31/2026

Property

No Property Findings

Resolved

04/02/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000045

XXXXX

XXX

FCOM8997

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/01/2026

Compliance

No Compliance Findings

Resolved

04/02/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000181

XXXXX

XXX

FPRO9990

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/02/2026

Property

Third Party Valuation Product Not Provided within 10% Tolerance

Resolved

04/08/2026

Third Party Valuation Product Not Provided within XXX Tolerance

Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CU Score XX/XX/XXXX AVM on file dated XX/XX/XXXX is earlier than Appraisal Date XX/XX/XXXX

Document Uploaded.

Closed

Third party valuation product provided within tolerance.; Client provided XXX. LM Updated.

71000181

XXXXX

XXX

FCRE8999

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/02/2026

Credit

No Credit Findings

Resolved

04/06/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000181

XXXXX

XXX

FCOM8997

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/06/2026

Compliance

No Compliance Findings

Resolved

04/06/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000103

XXXXX

XXX

FCRE8999

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/02/2026

Credit

No Credit Findings

Resolved

04/06/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000103

XXXXX

XXX

FPRO8998

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/02/2026

Property

No Property Findings

Resolved

04/06/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000103

XXXXX

XXX

FCOM8997

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/03/2026

Compliance

No Compliance Findings

Resolved

04/06/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000169

XXXXX

XXX

FCRE6737

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/02/2026

Credit

Missing Letter of Explanation (Income)

Resolved

04/13/2026

Missing Letter of Explanation (Income)

B1's business, XXX is located in XXX and the subject primary is located in XXX, XXX. The loan file contained a letter of explanation reflecting the business will be staying in XXX until XX/XX/XXXX. The letter also States current employees work primarily on a remote basis with very few client meetings at the physical office as few clients are actually in the XXX . After the lease expiration the official business address will most likely move to XXX. B1 to provide a more detailed letter. Does B1 work in the XXX? If so, how will B1 work in XXX when moving to XXX? Is income expected to stay consistent once business relocates to XXX?

I acknowledge the reviewer's comments, however, I feel that the letter provided answers all the questions. As indicated, few people work in the physical office. Because few people actually work in the office it's unlikely they have regular customer interaction. The business move a year from now is out of scope for the review.

Closed

Client States: I acknowledge the reviewer's comments, however, I feel that the letter provided answers all the questions. As indicated, few people work in the physical office. Because few people actually work in the office it's unlikely they have regular customer interaction. The business move a year from now is out of scope for the review.

71000169

XXXXX

XXX

FCRE7497

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/02/2026

Credit

Missing verification of taxes, insurance, and/or HOA fees for non-subject property

Resolved

04/08/2026

Missing verification of taxes, insurance, and/or HOA fees for non-subject property

Missing current tax Statement confirming a monthly payment of XXX for the property located at XXX . The loan file contained Page XXX of XXX of the Statement labeled as XXX Real Property Notice of Assessment for the tax year XX/XX/XXXX to XX/XX/XXXX.

Document Uploaded.

Closed

Client provided XXX Detail report for XXX , XXX LM Updated.

71000169

XXXXX

XXX

FPRO8998

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/02/2026

Property

No Property Findings

Resolved

04/06/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000169

XXXXX

XXX

FCOM8997

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/03/2026

Compliance

No Compliance Findings

Resolved

04/06/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000085

XXXXX

XXX

FPRO8998

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/02/2026

Property

No Property Findings

Resolved

04/06/2026

No Property Findings

Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.

Closed

Informational

71000085

XXXXX

XXX

FCRE8999

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/02/2026

Credit

No Credit Findings

Resolved

04/06/2026

No Credit Findings

The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.

Closed

Informational

71000085

XXXXX

XXX

FCOM8997

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/03/2026

Compliance

No Compliance Findings

Resolved

04/06/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000183

XXXXX

XXX

FCRE8999

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/02/2026

Credit

No Credit Findings

Resolved

04/06/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000183

XXXXX

XXX

FPRO8998

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/02/2026

Property

No Property Findings

Resolved

04/06/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000183

XXXXX

XXX

FCOM8997

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/06/2026

Compliance

No Compliance Findings

Resolved

04/06/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000035

XXXXX

XXX

FPRO8998

XXXXX

Limited Cash Out (GSE Definition)

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/02/2026

Property

No Property Findings

Resolved

04/06/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000035

XXXXX

XXX

FCRE8999

XXXXX

Limited Cash Out (GSE Definition)

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/02/2026

Credit

No Credit Findings

Resolved

04/06/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000035

XXXXX

XXX

FCOM8997

XXXXX

Limited Cash Out (GSE Definition)

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/06/2026

Compliance

No Compliance Findings

Resolved

04/06/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000011

XXXXX

XXX

FCOM5135

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/03/2026

Compliance

Missing Required Affiliated Business Disclosure

Acknowledged

04/07/2026

Missing Required Affiliated Business Disclosure

Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide missing Affiliated Business Disclosure.

Closed

Acknowledged, accepting 2/B grading; Acknowledged, accepting 2/B grading

71000011

XXXXX

XXX

FPRO8998

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/02/2026

Property

No Property Findings

Resolved

04/06/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000011

XXXXX

XXX

FCRE8999

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/02/2026

Credit

No Credit Findings

Resolved

04/06/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000051

XXXXX

XXX

FCRE8999

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/02/2026

Credit

No Credit Findings

Resolved

04/06/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000051

XXXXX

XXX

FPRO8998

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/02/2026

Property

No Property Findings

Resolved

04/06/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000051

XXXXX

XXX

FCOM8997

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/06/2026

Compliance

No Compliance Findings

Resolved

04/06/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000089

XXXXX

XXX

FCOM3849

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/03/2026

Compliance

Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))

Acknowledged

04/07/2026

Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))

The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). The file did not contain evidence that showed a copy of the appraisal was provided to the consumer promptly upon completion or at least XXX-business days prior to consummation date XX/XX/XXXX. The Appraisal Acknowledgment on Page XXX is not an acceptable document for proof of appraisal delivery to the borrower.

Closed

Acknowledged, accepting 2/B grading; Acknowledged, accepting 2/B grading

71000089

XXXXX

XXX

FPRO8998

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/02/2026

Property

No Property Findings

Resolved

04/06/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000089

XXXXX

XXX

FCRE8999

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/02/2026

Credit

No Credit Findings

Resolved

04/06/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000077

XXXXX

XXX

FPRO8998

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/03/2026

Property

No Property Findings

Resolved

04/08/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000077

XXXXX

XXX

FCRE8999

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/03/2026

Credit

No Credit Findings

Resolved

04/08/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000077

XXXXX

XXX

FCOM8997

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/06/2026

Compliance

No Compliance Findings

Resolved

04/08/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000123

XXXXX

XXX

FCRE8999

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/06/2026

Credit

No Credit Findings

Resolved

04/08/2026

No Credit Findings

The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.

Closed

Informational

71000123

XXXXX

XXX

FPRO8998

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/06/2026

Property

No Property Findings

Resolved

04/08/2026

No Property Findings

Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.

Closed

Informational

71000123

XXXXX

XXX

FCOM8997

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/06/2026

Compliance

No Compliance Findings

Resolved

04/08/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000023

XXXXX

XXX

FCRE8999

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/06/2026

Credit

No Credit Findings

Resolved

04/08/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000023

XXXXX

XXX

FPRO8998

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/06/2026

Property

No Property Findings

Resolved

04/08/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000023

XXXXX

XXX

FCOM8997

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/06/2026

Compliance

No Compliance Findings

Resolved

04/08/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000053

XXXXX

XXX

FCOM3849

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/06/2026

Compliance

Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))

Acknowledged

04/07/2026

Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))

The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close.

Closed

Acknowledged, accepting 2/B grading; Acknowledged, accepting 2/B grade

71000053

XXXXX

XXX

FPRO8998

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/06/2026

Property

No Property Findings

Resolved

04/08/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000053

XXXXX

XXX

FCRE8999

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/06/2026

Credit

No Credit Findings

Resolved

04/08/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000111

XXXXX

XXX

FCOM8997

XXXXX

Cash Out: Other/Multi purpose Unknown Purpose

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/06/2026

Compliance

No Compliance Findings

Resolved

04/08/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000111

XXXXX

XXX

FPRO8998

XXXXX

Cash Out: Other/Multi purpose Unknown Purpose

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/06/2026

Property

No Property Findings

Resolved

04/08/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000111

XXXXX

XXX

FCRE8999

XXXXX

Cash Out: Other/Multi purpose Unknown Purpose

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/07/2026

Credit

No Credit Findings

Resolved

04/08/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000055

XXXXX

XXX

FPRO8998

XXXXX

Cash Out: Other/Multi purpose Unknown Purpose

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/06/2026

Property

No Property Findings

Resolved

04/08/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000055

XXXXX

XXX

FCRE8999

XXXXX

Cash Out: Other/Multi purpose Unknown Purpose

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/06/2026

Credit

No Credit Findings

Resolved

04/08/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000055

XXXXX

XXX

FCOM8997

XXXXX

Cash Out: Other/Multi purpose Unknown Purpose

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/06/2026

Compliance

No Compliance Findings

Resolved

04/08/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000017

XXXXX

XXX

FCOM8997

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/06/2026

Compliance

No Compliance Findings

Resolved

04/08/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000017

XXXXX

XXX

FCRE8999

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/06/2026

Credit

No Credit Findings

Resolved

04/08/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000017

XXXXX

XXX

FPRO8998

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/06/2026

Property

No Property Findings

Resolved

04/08/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000121

XXXXX

XXX

FCOM5135

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/06/2026

Compliance

Missing Required Affiliated Business Disclosure

Acknowledged

04/07/2026

Missing Required Affiliated Business Disclosure

Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates.

Closed

Acknowledged, accepting 2/B grading; Acknowledged, accepting 2/B grade

71000121

XXXXX

XXX

FCRE8999

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/06/2026

Credit

No Credit Findings

Resolved

04/08/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000121

XXXXX

XXX

FPRO8998

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/06/2026

Property

No Property Findings

Resolved

04/08/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000147

XXXXX

XXX

FCOM5135

XXXXX

Limited Cash Out (GSE Definition)

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/06/2026

Compliance

Missing Required Affiliated Business Disclosure

Acknowledged

04/07/2026

Missing Required Affiliated Business Disclosure

Closed

Acknowledged, accepting 2/B grading; Acknowledged, accepting 2/B grade

71000147

XXXXX

XXX

FCRE8999

XXXXX

Limited Cash Out (GSE Definition)

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/06/2026

Credit

No Credit Findings

Resolved

04/08/2026

No Credit Findings

The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.

Closed

Informational

71000147

XXXXX

XXX

FPRO8998

XXXXX

Limited Cash Out (GSE Definition)

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/06/2026

Property

No Property Findings

Resolved

04/08/2026

No Property Findings

Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.

Closed

Informational

71000185

XXXXX

XXX

FCRE9995

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/06/2026

Credit

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

Resolved

04/11/2026

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

Audited Reserves of XXX are less than Guideline Required Reserves of XXX Audited Reserves of XXX are less than Guideline Required Reserves of XXX .

Document Uploaded.

Closed

Audited Reserves of XXX are equal to or greater than AUS Required Reserves of XXX Client provided Business Bank Statements for XXX. LM Updated.

71000185

XXXXX

XXX

FCRE1148

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/03/2026

Credit

Title Coverage is Less than Subject Lien

Acknowledged

04/07/2026

Title Coverage is Less than Subject Lien

Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX

Closed

Acknowledged, accepting 2/B grading; Acknowledged, accepting 2/B grade

71000185

XXXXX

XXX

FCOM5135

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/06/2026

Compliance

Missing Required Affiliated Business Disclosure

Acknowledged

04/07/2026

Missing Required Affiliated Business Disclosure

Closed

Acknowledged, accepting 2/B grading; Acknowledged, accepting 2/B grade

71000185

XXXXX

XXX

FPRO8998

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/07/2026

Property

No Property Findings

Resolved

04/08/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000171

XXXXX

XXX

FCRE8999

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/06/2026

Credit

No Credit Findings

Resolved

04/08/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000171

XXXXX

XXX

FPRO8998

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/06/2026

Property

No Property Findings

Resolved

04/08/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000171

XXXXX

XXX

FCOM8997

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/07/2026

Compliance

No Compliance Findings

Resolved

04/08/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000105

XXXXX

XXX

FPRO8998

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/08/2026

Property

No Property Findings

Resolved

04/09/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000105

XXXXX

XXX

FCOM8997

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/08/2026

Compliance

No Compliance Findings

Resolved

04/09/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000191

XXXXX

XXX

FPRO9990

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/06/2026

Property

Third Party Valuation Product Not Provided within 10% Tolerance

Resolved

04/13/2026

Third Party Valuation Product Not Provided within XXX Tolerance

Third Party Valuation Product Not Provided or Not Provided Within Tolerance. FNMA UCDP score of XX/XX/XXXX not within tolerance.

Document Uploaded.

Closed

Third party valuation product provided within tolerance.; Client provided XXX. LM Updated.

71000191

XXXXX

XXX

FCRE8999

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/06/2026

Credit

No Credit Findings

Resolved

04/09/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000191

XXXXX

XXX

FCOM8997

XXXXX

First Time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/08/2026

Compliance

No Compliance Findings

Resolved

04/09/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000001

XXXXX

XXX

FCRE8999

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/07/2026

Credit

No Credit Findings

Resolved

04/09/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000001

XXXXX

XXX

FPRO8998

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/07/2026

Property

No Property Findings

Resolved

04/09/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000001

XXXXX

XXX

FCOM8997

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/08/2026

Compliance

No Compliance Findings

Resolved

04/09/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000149

XXXXX

XXX

FPRO9990

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/07/2026

Property

Third Party Valuation Product Not Provided within 10% Tolerance

Resolved

04/11/2026

Third Party Valuation Product Not Provided within XXX Tolerance

Third Party Valuation Product Not Provided or Not Provided Within Tolerance.

Document Uploaded.

Closed

Client provided XXX. LM Updated.; Third party valuation product provided within tolerance.

71000149

XXXXX

XXX

FCRE8999

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/07/2026

Credit

No Credit Findings

Resolved

04/09/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000149

XXXXX

XXX

FPRO8998

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/07/2026

Property

No Property Findings

Resolved

04/09/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000149

XXXXX

XXX

FCOM8997

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/08/2026

Compliance

No Compliance Findings

Resolved

04/09/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000072

XXXXX

XXX

FCRE1185

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/07/2026

Credit

AUS Partially Provided

Resolved

04/13/2026

AUS Partially Provided

AUS Partially Provided. AUS Partially Provided.

Document Uploaded.

Closed

AUS is not incomplete.; Client provided Complete DU dated XX/XX/XXXX submission XXX and XXX LM Updated.

71000072

XXXXX

XXX

FPRO8998

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/07/2026

Property

No Property Findings

Resolved

04/09/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

71000072

XXXXX

XXX

FCOM8997

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/08/2026

Compliance

No Compliance Findings

Resolved

04/09/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000051

XXXXX

XXX

FCRE8999

XXXXX

Cash Out: Other/Multi purpose Unknown Purpose

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/07/2026

Credit

No Credit Findings

Resolved

04/09/2026

No Credit Findings

The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.

Closed

Informational

71000051

XXXXX

XXX

FPRO8998

XXXXX

Cash Out: Other/Multi purpose Unknown Purpose

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/07/2026

Property

No Property Findings

Resolved

04/09/2026

No Property Findings

Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.

Closed

Informational

71000051

XXXXX

XXX

FCOM8997

XXXXX

Cash Out: Other/Multi purpose Unknown Purpose

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/08/2026

Compliance

No Compliance Findings

Resolved

04/09/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000030

XXXXX

XXX

FPRO8998

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/08/2026

Property

No Property Findings

Resolved

04/09/2026

No Property Findings

Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.

Closed

Informational

71000030

XXXXX

XXX

FCRE8999

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/08/2026

Credit

No Credit Findings

Resolved

04/09/2026

No Credit Findings

The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.

Closed

Informational

71000030

XXXXX

XXX

FCOM8997

XXXXX

Other than first time Home Purchase

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/08/2026

Compliance

No Compliance Findings

Resolved

04/09/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

71000009

XXXXX

XXX

finding-3367

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/09/2026

Compliance

RESPA Homeownership Counseling Organizations Disclosure Date Test

Acknowledged

04/10/2026

RESPA Homeownership Counseling Organizations Disclosure Date Test

This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); or The homeownership counseling organizations disclosure date is after the closing date. Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data. This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page: As not being open on Sunday As not being open on Saturday PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile Page XXX that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict. Please note: This test does not validate the content of any list of homeownership counseling organizations. The HOC disclosure issued XX/XX/XXXX was not provided at least XXX days after the application date of XX/XX/XXXX. Please provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application XX/XX/XXXX.

Closed

Acknowledged, accepting 2/B grading

71000009

XXXXX

XXX

FCRE8999

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/09/2026

Credit

No Credit Findings

Resolved

04/10/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

71000009

XXXXX

XXX

FPRO8998

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/09/2026

Property

No Property Findings

Resolved

04/10/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

70999988

XXXXX

XXX

FPRO8998

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/09/2026

Property

No Property Findings

Resolved

04/10/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

70999988

XXXXX

XXX

FCRE8999

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/09/2026

Credit

No Credit Findings

Resolved

04/10/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

70999988

XXXXX

XXX

FCOM8997

XXXXX

Rate Term Refinance Borrower Initiation

Primary Residence

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/09/2026

Compliance

No Compliance Findings

Resolved

04/10/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational

70999967

XXXXX

XXX

FCRE8999

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/10/2026

Credit

No Credit Findings

Resolved

04/10/2026

No Credit Findings

The loan meets all applicable credit guidelines.

Closed

Informational

70999967

XXXXX

XXX

FPRO8998

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/10/2026

Property

No Property Findings

Resolved

04/10/2026

No Property Findings

Property and valuations related findings were not identified on the loan.

Closed

Informational

70999967

XXXXX

XXX

FCOM8997

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Loan Review Complete

04/10/2026

Compliance

No Compliance Findings

Resolved

04/10/2026

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Closed

Informational