EX-99.6 37 ea025949101_ex99-6sch4.htm SCHEDULE 4 - STANDARD FINDINGS REPORT

Exhibit 99.6 Schedule 4

ASF Loan Number | Seller | Loan ID | Seller Loan ID | Investor Loan ID | Queue | Created Date | Last Modified Date | Finding Status | Event Level | Finding Category | Finding Sub Category | Finding Name | Reviewer Comments | Seller Comments | Finding Resolution | Finding Document | Reviewer Comp Factors | Originator Comp Factors | State | Occupancy | Loan Purpose | Refinance Purpose | Unique Finding ID | Acknowledged / Waived By | Waiver in File?
215135773 | XX | XX |  |  | Closed | 2025-07-22 19:12 | 2025-07-22 19:12 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2025 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2025 |  |  |  | GA | Primary Residence | Purchase | NA | XX | Investor Post-Close | No
9733151113 | XX | XX |  |  | Closed | 2025-06-26 18:50 | 2025-07-07 19:53 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Received 4506 signed at application. Condition cleared. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. Please see attached 4506C dated 05-xx-25. - Buyer-07/XX/2025 Open-GL Section 35, A signed and dated 4506-C for must be signed at application and closing, Loan file missing 4506-C at the time of application. - Due Diligence Vendor-06/XX/2025 |  | Resolved-Received 4506 signed at application. Condition cleared. - Due Diligence Vendor-07/XX/2025 | XX |  |  | GA | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A
9704448829 | XX | XX |  |  | Closed | 2025-06-26 17:38 | 2025-07-11 17:53 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received HOI with effective date the same as the Note date. Condition cleared. - Due Diligence Vendor-07/XX/2025 Resolved-Hazard Insurance Effective Date of 06-xx-2025 is prior to or equal to the Note Date of 06-xx-2025 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. Please see attached policy. - Buyer-07/XX/2025 Open-Hazard Insurance Effective Date of 06-xx-2025 is after the Note Date of 06-xx-2025 The Hazard Insurance Effective Date of 06-xx-2025 is dated after the Note date and disbursement date of 06-xx-2025. - Due Diligence Vendor-06/XX/2025 |  | Resolved-Received HOI with effective date the same as the Note date. Condition cleared. - Due Diligence Vendor-07/XX/2025 Resolved-Hazard Insurance Effective Date of 06-xx-2025 is prior to or equal to the Note Date of 06-xx-2025 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-07/XX/2025 | XX |  |  | CO | Primary Residence | Purchase | NA | XX | N/A | N/A
9763122513 | XX | XX |  |  | Closed | 2025-06-26 16:39 | 2025-07-08 19:15 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. 4506 - Buyer-07/XX/2025 Open-Borrower 1 Executed 4506-T Missing GL Section 35, A signed and dated 4506-C for must be signed at application and closing for Income being documented with Form 1099 statements, Loan file missing 4506-C at the time of application - Due Diligence Vendor-06/XX/2025 |  | Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-07/XX/2025 | XX |  |  | VA | Primary Residence | Purchase | NA | XX | N/A | N/A
9763122513 | XX | XX |  |  | Closed | 2025-06-27 19:06 | 2025-07-08 19:15 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-07/XX/2025 Ready for Review-$15,000 was backed out of NXX because a close friend is an ineligible donor. Gift letter and copy of the check are only in the file to source the large deposit of $15,000. - Buyer-07/XX/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Unacceptable source of funds - gift funds from an unacceptable donor. - Due Diligence Vendor-06/XX/2025 |  | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-07/XX/2025 |  |  |  | VA | Primary Residence | Purchase | NA | XX | N/A | N/A
9763122513 | XX | XX |  |  | Closed | 2025-06-27 19:16 | 2025-07-08 19:13 | Resolved | 1 - Information | Credit | Assets | Asset General | Resolved-Lender qualified without ineligible gift, finding resolved. - Due Diligence Vendor-07/XX/2025 Ready for Review-$15,000 was backed out of XX because a close friend is an ineligible donor. Gift letter and copy of the check are only in the file to source the large deposit of $15,000. - Investor-07/XX/2025 Open-Borrower received $15,000.00 gift from a "close friend", which is not an acceptable source of funds per Guidelines. Per Guidelines, a gift can be provided by 1) a relative or 2) a non-relative that shares a familial relationship with the borrower defined as a domestic partner, individual engaged to the borrower, former relative or godparent. - Due Diligence Vendor-06/XX/2025 |  | Resolved-Lender qualified without ineligible gift, finding resolved. - Due Diligence Vendor-07/XX/2025 |  |  |  | VA | Primary Residence | Purchase | NA | XX | N/A | N/A
9767935696 | XX | XX |  |  | Closed | 2025-06-30 14:30 | 2025-07-11 18:11 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2025 Ready for Review-Please advise what can be provided for this one or if we just need acknowledge the B grade. - Buyer-07/XX/2025 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2025 |  |  |  | TX | Primary Residence | Purchase | NA | XX | Investor Post-Close | No
9769275034 | XX | XX |  |  | Closed | 2025-06-26 15:24 | 2025-06-30 14:52 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/XX/2025 |  |  |  | LA | Primary Residence | Purchase | NA | XX | Investor Post-Close | No
9738032292 | XX | XX |  |  | Closed | 2025-06-26 17:32 | 2025-07-09 17:14 | Resolved | 1 - Information | Credit | Missing Doc | The Final 1003 is Missing | Resolved-Lender provided final loan application, finding resolved. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. Please see attached entity application and 1003. - Buyer-07/XX/2025 Open- Final 1003 is Missing in File - Due Diligence Vendor-06/XX/2025 |  | Resolved-Lender provided final loan application, finding resolved. - Due Diligence Vendor-07/XX/2025 | XX |  |  | AR | Investment | Purchase | NA | XX | N/A | N/A
9738032292 | XX | XX |  |  | Closed | 2025-06-26 15:35 | 2025-07-09 17:12 | Resolved | 1 - Information | Credit | Missing Doc | Missing VOM or VOR | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. Please see attached showing no late payments for XX. - Buyer-07/XX/2025 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Lender guidelines require verification of no less than 1x30x12 or 0x30x6 on any mortgage or rental payment. Despite this requirement, no Verification of Mortgage for either the subject property or the Borrower's primary residence was provided. - Due Diligence Vendor-06/XX/2025 |  | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-07/XX/2025 | XX |  | Lender guidelines require verification of rents or copy of lease agreement and 12 months’ cancelled checks for borrower with rented primary residence. Despite this requirement, no VOR was provided. | AR | Investment | Purchase | NA | XX | N/A | N/A
9732621991 | XX | XX |  |  | Closed | 2025-06-27 15:16 | 2025-07-22 13:43 | Waived | 2 - Non-Material | Credit | Eligibility | Debt Service Coverage Ratio below guideline minimum | Waived-Lender exception for DSCR below guideline minimum, this finding will be rated EV2. - Due Diligence Vendor-07/XX/2025 Acknowledged-Lender acknowledged DSCR is below guideline requirement, this finding will be rated EV2 - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. - Buyer-07/XX/2025 Open-Audited DSCR of 0.638 is below guideline minimum of 1 Debt Service Coverage Ratio of 0.63 is below guideline minimum of 1.00. - Due Diligence Vendor-06/XX/2025 |  | Waived-Lender exception for DSCR below guideline minimum, this finding will be rated EV2. - Due Diligence Vendor-07/XX/2025 Acknowledged-Lender acknowledged DSCR is below guideline requirement, this finding will be rated EV2 - Due Diligence Vendor-07/XX/2025 | XX |  | Projected revenue of $25,900. xx market score of 93. | TN | Investment | Purchase | NA | XX | Originator Post-Close | No
9732621991 | XX | XX |  |  | Closed | 2025-06-30 21:58 | 2025-07-22 13:28 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Received Business Purpose & Occupancy Affidavit. Condition cleared. - Due Diligence Vendor-07/XX/2025 Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. business purpose - Buyer-07/XX/2025 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-06/XX/2025 |  | Resolved-Received Business Purpose & Occupancy Affidavit. Condition cleared. - Due Diligence Vendor-07/XX/2025 Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-07/XX/2025 | XX |  |  | TN | Investment | Purchase | NA | XX | N/A | N/A
9725667290 | XX | XX |  |  | Closed | 2025-06-30 17:44 | 2025-07-11 19:54 | Resolved | 1 - Information | Credit | Missing Doc | Missing Lease Agreement | Resolved-Upon further review, this explanation is accepted. Condition cleared. - Due Diligence Vendor-07/XX/2025 Ready for Review-UW response: This is purchase transaction and lease is not required if appraisal provides the current rent which is included on the subject rent schedule and used in qualifying. - Buyer-07/XX/2025 Open-Missing lease agreements for the subject property. The appraisal indicates all units are rented; however, no leases were provided. - Due Diligence Vendor-06/XX/2025 |  | Resolved-Upon further review, this explanation is accepted. Condition cleared. - Due Diligence Vendor-07/XX/2025 |  |  |  | PA | Investment | Purchase | NA | XX | N/A | N/A
9780321163 | XX | XX |  |  | Closed | 2025-06-27 19:55 | 2025-07-08 17:24 | Resolved | 1 - Information | Credit | Eligibility | Debt Service Coverage Ratio below guideline minimum | Resolved-Received updated guidelines outlining new matrix for cash-out, finding resolved. - Due Diligence Vendor-07/XX/2025 Ready for Review-UW Team response: Please refer to updated guidelines published 6.6.25 v25.8 as lock date is 6.16.25. DSCR minimum is 1.0 for cash out refi at 75% LTV. - Buyer-07/XX/2025 Open-Audited DSCR of 1.090 is below guideline minimum of 1.15 Audited DSCR of 1.090 does not meet minimum guideline DSCR of 1.15 for cash-out transaction. - Due Diligence Vendor-06/XX/2025 |  | Resolved-Received updated guidelines outlining new matrix for cash-out, finding resolved. - Due Diligence Vendor-07/XX/2025 |  |  |  | FL | Investment | Refinance | Cash Out - Other | XX | N/A | N/A
9704437103 | XX | XX |  |  | Closed | 2025-06-26 13:50 | 2025-08-10 15:48 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received evidence of receipt. Condition cleared. - Due Diligence Vendor-08/XX/2025 Resolved-xx- Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. full one span - Investor-07/XX/2025 Counter-The upload of evidence summary is cutoff where it should provide date and time of borrower receipt, finding maintained. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. one span - Buyer-07/XX/2025 Open-The Initial Closing Disclosure was provided on (2025-xx-06) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (2025-xx-12). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (2025-xx-10), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (20250605), for consummation to occur on (2025-xx-12). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of 06/XX/2025. Borrower acknowledged receipt of initial C.D. on 06/XX/2025 which is less than 3 business days prior to consummation. No Cure. - Due Diligence Vendor-06/XX/2025 Open-xx- Due Diligence Vendor-06/XX/2025 |  | Resolved-Received evidence of receipt. Condition cleared. - Due Diligence Vendor-08/XX/2025 | XX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A
9704437103 | XX | XX |  |  | Closed | 2025-06-26 12:23 | 2025-07-28 15:17 | Resolved | 1 - Information | Compliance | State Reg | TX 50(a)(6) Violation: Copy of Loan Application received at least 1 day prior to closing requirement not met | Resolved-Lender provided edocument with confirmation, finding resolved. - Due Diligence Vendor-07/XX/2025 Counter-The upload of evidence summary is cutoff where it should provide date and time of borrower receipt, finding maintained. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. one span - Buyer-07/XX/2025 Open-TX 50(a)(6) Violation: Copy of Loan Application received at least 1 day prior to closing requirement not met. - Due Diligence Vendor-06/XX/2025 |  | Resolved-Lender provided edocument with confirmation, finding resolved. - Due Diligence Vendor-07/XX/2025 | XX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A
9718786370 | XX | XX |  |  | Closed | 2025-06-26 17:42 | 2025-08-10 15:54 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-Received requested documentation. Condition cleared. - Due Diligence Vendor-08/XX/2025 Resolved-xx- Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. denial letter from the 1st application 04/XX/25 - Investor-07/XX/2025 Counter-Proof of loan declined, and new application required, finding maintained. - Due Diligence Vendor-07/XX/2025 Ready for Review-Application dated 04/XX/25 was a different loan number and was denied. The application date on this loan was 05/XX/25. - Buyer-07/XX/2025 Counter-Disclosure provided and disclosure in loan file both reflect same date, finding maintained. - Due Diligence Vendor-07/XX/2025 Open-xx- Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. hoc - Investor-07/XX/2025 Open-The Homeownership Counseling Organization Disclosure Sent Date (2025-xx-13) is more than 3 business days from the Application Date (2025-xx-21). Three business days from the Application Date is (2025-xx-24). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) - Due Diligence Vendor-06/XX/2025 Open-xx- Due Diligence Vendor-06/XX/2025 |  | Resolved-Received requested documentation. Condition cleared. - Due Diligence Vendor-08/XX/2025 | XX |  |  | TN | Second Home | Purchase | NA | XX | N/A | N/A
9718786370 | XX | XX |  |  | Closed | 2025-06-26 17:57 | 2025-07-08 17:59 | Resolved | 1 - Information | Compliance | Missing Doc | Loan Estimate disclosure is missing or incomplete | Resolved-Lender provided missing loan estimate, finding resolved. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. - Buyer-07/XX/2025 Open-Loan Estimate disclosure is missing or incomplete Revised Loan estimate dated 5/XX/2025 1st page in file. However, page 2 and 3 of 3 is missing. - Due Diligence Vendor-06/XX/2025 |  | Resolved-Lender provided missing loan estimate, finding resolved. - Due Diligence Vendor-07/XX/2025 | XX |  |  | TN | Second Home | Purchase | NA | XX | N/A | N/A
9718786370 | XX | XX |  |  | Closed | 2025-06-26 17:42 | 2025-07-08 17:57 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-xx- Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. icd - Seller-07/XX/2025 Open-The Initial Closing Disclosure Received Date of (2025-xx-06) is not three business days before the consummation date of (2025-xx-06). Three business days before the consummation date is (xx). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. No Cure. - Due Diligence Vendor-06/XX/2025 Open-xx- Due Diligence Vendor-06/XX/2025 | Ready for Review-Document Uploaded. icd - Seller-07/07/2025 | Resolved-xx- Due Diligence Vendor-07/XX/2025 | XX |  |  | TN | Second Home | Purchase | NA | XX | N/A | N/A
9707207370 | XX | XX |  |  | Closed | 2025-07-23 19:56 | 2025-07-30 13:01 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2025 |  |  |  | NC | Primary Residence | Purchase | NA | XX | Investor Post-Close | No
9707207370 | XX | XX |  |  | Closed | 2025-07-23 18:14 | 2025-07-30 12:58 | Waived | 2 - Non-Material | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-Business bank statements disclose 22 NSF events in the prior 12 months which is greater than the guideline maximum of 6 NSF events. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-07/XX/2025 |  | Waived-Business bank statements disclose 22 NSF events in the prior 12 months which is greater than the guideline maximum of 6 NSF events. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-07/XX/2025 |  |  | Minimum FICO: 696 Maximum DTI: 35 Maximum LTV: 80 Minimum Reserves: 30,000 | NC | Primary Residence | Purchase | NA | XX | Originator Pre-Close | Yes
9716619334 | XX | XX |  |  | Closed | 2025-07-16 11:53 | 2025-07-24 21:28 | Resolved | 1 - Information | Credit | Missing Doc | Missing Condo Questionnaire | Resolved-Lender provided FNMA condo approval, finding resolved. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. condo question - Buyer-07/XX/2025 Counter-Lender provided condo approval, missing the condo questionnaire, finding maintained. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. Please see attached 1008 and condo approval letter. - Buyer-07/XX/2025 Open- The Condo Questionnaire is missing from the loan file. Additional conditions may apply. - Due Diligence Vendor-07/XX/2025 |  | Resolved-Lender provided FNMA condo approval, finding resolved. - Due Diligence Vendor-07/XX/2025 | XX |  |  | FL | Primary Residence | Purchase | NA | XX | N/A | N/A
9723143906 | XX | XX |  |  | Closed | 2025-07-17 11:15 | 2025-07-24 21:09 | Resolved | 1 - Information | Credit | Missing Doc | Missing evidence of sale of other property owned (REO) | Resolved-Lender provided CD from REO, finding resolved. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. sale cd - Buyer-07/XX/2025 Open-Final Hud-1, Closing documents, or other evidence of sale from property listed in position 3B on the co-borrower's application. - Due Diligence Vendor-07/XX/2025 |  | Resolved-Lender provided CD from REO, finding resolved. - Due Diligence Vendor-07/XX/2025 | XX |  |  | FL | Primary Residence | Purchase | NA | XX | N/A | N/A
9769712333 | XX | XX |  |  | Closed | 2025-07-16 19:28 | 2025-07-29 22:09 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Received At Least Four Business Days Before Consummation | Resolved-Evidence of electronic delivery provided; condition resolved. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. docs sent to borrwer - Investor-07/XX/2025 Counter-Lender provided E-Consent with borrower receiving LE on 6/XX/2025 therefore not providing borrower with at least four business days before consummation, finding maintained. - Due Diligence Vendor-07/XX/2025 Open-A revised Loan Estimate was provided on (2025-xx-24) via (ElectronicDelivery). Under Regulation Z, a consumer must receive a revised Loan Estimate not later than four business days prior to consummation date of (2025-xx-30). Since the revised Loan Estimate was not provided in person, a consumer is considered to have received it on (2025-xx-27), which is three business days after it was delivered or placed in the mail. As a result, the revised Loan Estimate is not deemed to have been received at least four business days before consummation, which is (2025-xx-25). (12 CFR 1026.19(e)(4)(ii)) - Due Diligence Vendor-07/XX/2025 Open-A revised Loan Estimate was provided on (2025-xx-24) via (ElectronicDelivery). Under Regulation Z, a consumer must receive a revised Loan Estimate not later than four business days prior to consummation date of (2025-xx-30). Since the revised Loan Estimate was not provided in person, a consumer is considered to have received it on (2025-xx-27), which is three business days after it was delivered or placed in the mail. As a result, the revised Loan Estimate is not deemed to have been received at least four business days before consummation, which is (2025-xx-25). (12 CFR 1026.19(e)(4)(ii)) - Due Diligence Vendor-07/XX/2025 Open-xx- Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. onespan - Buyer-07/XX/2025 Open-A revised Loan Estimate was provided on (2025-xx-24) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive a revised Loan Estimate not later than four business days prior to consummation date of (2025-xx-30). Since the revised Loan Estimate was not provided in person, a consumer is considered to have received it on (2025-xx-27), which is three business days after it was delivered or placed in the mail. As a result, the revised Loan Estimate is not deemed to have been received at least four business days before consummation, which is (2025-xx-25). (12 CFR 1026.19(e)(4)(ii)) . The re-disclosed LE reflects a Date Issued of 06/XX/2025 with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt is applied and borrower was not in receipt of re-disclosed LE 4 business days prior to consummation of 06/XX/2025. No Cure. - Due Diligence Vendor-07/XX/2025 Open-xx- Due Diligence Vendor-07/XX/2025 Open-xx- Due Diligence Vendor-07/XX/2025 Open-xx- Due Diligence Vendor-07/XX/2025 Open-xx- Due Diligence Vendor-07/XX/2025 Open-xx- Due Diligence Vendor-07/XX/2025 Open-xx- Due Diligence Vendor-07/XX/2025 |  | Resolved-Evidence of electronic delivery provided; condition resolved. - Due Diligence Vendor-07/XX/2025 | XX |  |  | VA | Primary Residence | Purchase | NA | XX | N/A | N/A
9769712333 | XX | XX |  |  | Closed | 2025-07-16 20:04 | 2025-07-16 20:04 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2025 |  |  |  | VA | Primary Residence | Purchase | NA | XX | Investor Post-Close | No
215101601 | XX | XX |  |  | Closed | 2025-06-27 14:06 | 2025-08-13 12:42 | Resolved | 1 - Information | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Lender provided approval. Finding Resolved. - Due Diligence Vendor-08/XX/2025 Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-08/XX/2025 Ready for Review-Document Uploaded. - Buyer-08/XX/2025 Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-06/XX/2025 |  | Resolved-Lender provided approval. Finding Resolved. - Due Diligence Vendor-08/XX/2025 Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-08/XX/2025 | XX |  |  | UT | Primary Residence | Purchase | NA | XX | N/A | N/A
9724918355 | XX | XX |  |  | Closed | 2025-06-27 18:38 | 2025-08-19 14:40 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Lender provided updated final CD and evidence of final gift funds. Condition cleared. - Due Diligence Vendor-08/XX/2025 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-08/XX/2025 Ready for Review-Can you please advise what specifically you are looking for to clear these conditions? - Seller-08/XX/2025 Counter-Total amounts received per wire transfer to escrow $91,200 vs Final CD reflecting credits $77,811.63 & $15,021.00, there is a difference of $1632.63, finding maintained. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. Gift fund wires provided. Page 3 on the updated CD has a credit of $16,000. This is the total of the seller credits per the purchase agreement, this is not related to commission. Page 2 of CD reflects $5000 commission paid to XX, not to the borrower. The agent commission of $16,815 was not applied to the cash to close for this transaction. It was not needed Cash to close + reserves = $124,634.10. Verified assets are sufficient. - Investor-07/XX/2025 Counter-Missing wire confirmation for gift funds in the amount of $77,811.63 & $15,021, finding maintained. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. Please refer to the updated CD signed 7.16.25. The cash to close on the updated CD is $102,481.41. The updated CD does not include a credit for the borrower’s commission in the amount of $16,815. This was not needed. The borrower has sufficient verified assets to support both the cash to close and required reserves for the transaction. - Buyer-07/XX/2025 Counter-Missing the commission distribution form for subject transaction. Per the final CD, the funds do not total $16,815 as per rebuttal below. Page 3 on final CD reflects $16,000 and page 2 of CD reflects $5000 commission to buyer. Additionally, the commission received will not suffice in total assets required to close, finding maintained. - Due Diligence Vendor-07/XX/2025 Ready for Review-The $16,815 as listed on the asset worksheet is verified. This amount is the buyer's agent commission that is to be applied as a credit at closing. The amount is confirmed by XX as $22,200 commission @ 80% = $17,760 less $250 risk fee, $195 transaction fee and $500 annual for a final amount of $16,815. This amount is listed as a credit on the final CD. - Buyer-07/XX/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $22152.69 - Due Diligence Vendor-06/XX/2025 | Ready for Review-Can you please advise what specifically you are looking for to clear these conditions? - Seller-08/07/2025 | Resolved-Lender provided updated final CD and evidence of final gift funds. Condition cleared. - Due Diligence Vendor-08/XX/2025 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-08/XX/2025 | XX |  |  | CA | Primary Residence | Purchase | NA | XX | N/A | N/A
9724918355 | XX | XX |  |  | Closed | 2025-06-27 18:30 | 2025-08-11 15:41 | Resolved | 1 - Information | Credit | Assets | Insufficient asset documentation in file - assets do not cover closing costs | Resolved-Lender provided updated final CD and evidence of final gift funds. Condition cleared. - Due Diligence Vendor-08/XX/2025 Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-08/XX/2025 Ready for Review-Can you please advise what specifically you are looking for to clear these conditions? - Investor-08/XX/2025 Counter-Total amounts received per wire transfer to escrow $91,200 vs Final CD reflecting credits $77,811.63 & $15,021.00, there is a difference of $1632.63, finding maintained. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. Gift fund wires provided. Page 3 on the updated CD has a credit of $16,000. This is the total of the seller credits per the purchase agreement, this is not related to commission. Page 2 of CD reflects $5000 commission paid to LXX, not to the borrower. The agent commission of $16,815 was not applied to the cash to close for this transaction. It was not needed Cash to close + reserves = $124,634.10. Verified assets are sufficient. - Buyer-07/XX/2025 Counter-Missing wire confirmation for gift funds in the amount of $77,811.63 & $15,021, finding maintained. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. Please refer to the updated CD signed 7.16.25. The cash to close on the updated CD is $102,481.41. The updated CD does not include a credit for the borrower’s commission in the amount of $16,815. This was not needed. The borrower has sufficient verified assets to support both the cash to close and required reserves for the transaction. - Buyer-07/XX/2025 Counter-Missing the commission distribution form for subject transaction. Per the final CD, the funds do not total $16,815 as per rebuttal below. Page 3 on final CD reflects $16,000 and page 2 of CD reflects $5000 commission to buyer. Additionally, the commission received will not suffice in total assets required to close, finding maintained. - Due Diligence Vendor-07/XX/2025 Ready for Review-The $16,815 as listed on the asset worksheet is verified. This amount is the buyer's agent commission that is to be applied as a credit at closing. The amount is confirmed by XX as $22,200 commission @ 80% = $17,760 less $250 risk fee, $195 transaction fee and $500 annual for a final amount of $16,815. This amount is listed as a credit on the final CD. - Investor-07/XX/2025 Open-Insufficient asset documentation in file - assets do not cover closing costs. Verified assets of $145,448.25 less cash to close of $180,293.04 and less unverified deposit of $16,815 results in $51,659.79 shortage of funds to close. - Due Diligence Vendor-06/XX/2025 |  | Resolved-Lender provided updated final CD and evidence of final gift funds. Condition cleared. - Due Diligence Vendor-08/XX/2025 Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-08/XX/2025 | XX |  |  | CA | Primary Residence | Purchase | NA | XX | N/A | N/A
9724918355 | XX | XX |  |  | Closed | 2025-06-27 18:15 | 2025-08-11 15:41 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Lender provided updated final CD and evidence of final gift funds. Condition cleared. - Due Diligence Vendor-08/XX/2025 Resolved-Total Qualified Assets for Reserves Post-Close of $42966.84 is equal to or greater than Total Required Reserve Amount of $22152.69 - Due Diligence Vendor-08/XX/2025 Ready for Review-Can you please advise what specifically you are looking for to clear these conditions? - Buyer-08/XX/2025 Counter-Total amounts received per wire transfer to escrow $91,200 vs Final CD reflecting credits $77,811.63 & $15,021.00, there is a difference of $1632.63, finding maintained. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. Gift fund wires provided. Page 3 on the updated CD has a credit of $16,000. This is the total of the seller credits per the purchase agreement, this is not related to commission. Page 2 of CD reflects $5000 commission paid to LXX not to the borrower. The agent commission of $16,815 was not applied to the cash to close for this transaction. It was not needed Cash to close + reserves = $124,634.10. Verified assets are sufficient. - Investor-07/XX/2025 Counter-Missing wire confirmation for gift funds in the amount of $77,811.63 & $15,021, finding maintained. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. Please refer to the updated CD signed 7.16.25. The cash to close on the updated CD is $102,481.41. The updated CD does not include a credit for the borrower’s commission in the amount of $16,815. This was not needed. The borrower has sufficient verified assets to support both the cash to close and required reserves for the transaction. - Buyer-07/XX/2025 Counter-Missing the commission distribution form for subject transaction. Per the final CD, the funds do not total $16,815 as per rebuttal below. Page 3 on final CD reflects $16,000 and page 2 of CD reflects $5000 commission to buyer. Additionally, the commission received will not suffice in total assets required to close, finding maintained. - Due Diligence Vendor-07/XX/2025 Ready for Review-The $16,815 as listed on the asset worksheet is verified. This amount is the buyer's agent commission that is to be applied as a credit at closing. The amount is confirmed by XXas $22,200 commission @ 80% = $17,760 less $250 risk fee, $195 transaction fee and $500 annual for a final amount of $16,815. This amount is listed as a credit on the final CD. - Buyer-07/XX/2025 Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $22152.69 - Due Diligence Vendor-06/XX/2025 |  | Resolved-Lender provided updated final CD and evidence of final gift funds. Condition cleared. - Due Diligence Vendor-08/XX/2025 Resolved-Total Qualified Assets for Reserves Post-Close of $42966.84 is equal to or greater than Total Required Reserve Amount of $22152.69 - Due Diligence Vendor-08/XX/2025 | XX |  |  | CA | Primary Residence | Purchase | NA | XX | N/A | N/A
9724918355 | XX | XX |  |  | Closed | 2025-06-27 18:40 | 2025-08-11 15:41 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Lender provided updated final CD and evidence of final gift funds. Condition cleared. - Due Diligence Vendor-08/XX/2025 Resolved-Audited Reserves of 5.82 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-08/XX/2025 Ready for Review-Can you please advise what specifically you are looking for to clear these conditions? - Investor-08/XX/2025 Counter-Total amounts received per wire transfer to escrow $91,200 vs Final CD reflecting credits $77,811.63 & $15,021.00, there is a difference of $1632.63, finding maintained. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. Gift fund wires provided. Page 3 on the updated CD has a credit of $16,000. This is the total of the seller credits per the purchase agreement, this is not related to commission. Page 2 of CD reflects $5000 commission paid to XX not to the borrower. The agent commission of $16,815 was not applied to the cash to close for this transaction. It was not needed Cash to close + reserves = $124,634.10. Verified assets are sufficient. - Seller-07/XX/2025 Counter-Missing wire confirmation for gift funds in the amount of $77,811.63 & $15,021, finding maintained. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. Please refer to the updated CD signed 7.16.25. The cash to close on the updated CD is $102,481.41. The updated CD does not include a credit for the borrower’s commission in the amount of $16,815. This was not needed. The borrower has sufficient verified assets to support both the cash to close and required reserves for the transaction. - Seller-07/XX/2025 Counter-Missing the commission distribution form for subject transaction. Per the final CD, the funds do not total $16,815 as per rebuttal below. Page 3 on final CD reflects $16,000 and page 2 of CD reflects $5000 commission to buyer. Additionally, the commission received will not suffice in total assets required to close, finding maintained. - Due Diligence Vendor-07/XX/2025 Ready for Review-The $16,815 as listed on the asset worksheet is verified. This amount is the buyer's agent commission that is to be applied as a credit at closing. The amount is confirmed by XX as $22,200 commission @ 80% = $17,760 less $250 risk fee, $195 transaction fee and $500 annual for a final amount of $16,815. This amount is listed as a credit on the final CD. - Buyer-07/XX/2025 Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-06/XX/2025 | Ready for Review-Document Uploaded. Gift fund wires provided. Page 3 on the updated CD has a credit of $16,000. This is the total of the seller credits per the purchase agreement, this is not related to commission. Page 2 of CD reflects $5000 commission paid to XX not to the borrower. The agent commission of $16,815 was not applied to the cash to close for this transaction. It was not needed Cash to close + reserves = $124,634.10. Verified assets are sufficient. - Seller-07/28/2025 Ready for Review-Document Uploaded. Please refer to the updated CD signed 7.16XX25. The cash to close on the updated CD is $102,481.41. The updated CD does not include a credit for the borrower’s commission in the amount of $16,815. This was not needed. The borrower has sufficient verified assets to support both the cash to close and required reserves for the transaction. - Seller-07/24/2025 | Resolved-Lender provided updated final CD and evidence of final gift funds. Condition cleared. - Due Diligence Vendor-08/XX/2025 Resolved-Audited Reserves of 5.82 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-08/XX/2025 | XX |  |  | CA | Primary Residence | Purchase | NA | XX | N/A | N/A
9785502072 | XX | XX |  |  | Closed | 2025-07-28 18:23 | 2025-08-08 20:05 | Resolved | 1 - Information | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Resolved-Lender provided copy of Master Policy which is valid. Finding Resolved. - Due Diligence Vendor-08/XX/2025 Ready for Review-Document Uploaded. master policy - Buyer-08/XX/2025 Open-Missing HO-6 Master Insurance Policy Missing Master Insurance Policy - Due Diligence Vendor-07/XX/2025 |  | Resolved-Lender provided copy of Master Policy which is valid. Finding Resolved. - Due Diligence Vendor-08/XX/2025 | XX |  |  | NY | Primary Residence | Purchase | NA | XX | N/A | N/A
9713888544 | XX | XX |  |  | Closed | 2025-07-23 18:13 | 2025-07-23 18:13 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2025 |  |  |  | TX | Primary Residence | Purchase | NA | XX | Investor Post-Close | No
9727458979 | XX | XX |  |  | Closed | 2025-07-23 20:51 | 2025-08-07 13:52 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date (Investment Property Warnings) | Resolved-Resolved - Due Diligence Vendor-08/XX/2025 Ready for Review-Document Uploaded. Please see attached ICD and audit trail showing the borrower viewed the ICD on 07-xx-25. - Buyer-08/XX/2025 Open-The Initial Closing Disclosure was provided on (2025-xx-10) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (2025-xx-14). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (2025-xx-14), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (20250707), for consummation to occur on (2025-xx-14). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of 07/XX/2025 with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of 07/XX/2025. No Cure. - Due Diligence Vendor-07/XX/2025 Open-xx- Due Diligence Vendor-07/XX/2025 Open-xx- Due Diligence Vendor-07/XX/2025 Open-xx- Due Diligence Vendor-07/XX/2025 |  | Resolved-Resolved - Due Diligence Vendor-08/XX/2025 | XX |  |  | CO | Investment | Refinance | Cash Out - Other | XX | N/A | N/A
9727458979 | XX | XX |  |  | Closed | 2025-07-23 20:51 | 2025-08-07 13:52 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Resolved - Due Diligence Vendor-08/XX/2025 Ready for Review-Document Uploaded. Please see attached ICD and audit trail showing the borrower viewed the ICD on 07-xx-25. - Investor-08/XX/2025 Open-The Initial Closing Disclosure was provided on (2025-xx-10) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (2025-xx-14). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (2025-xx-14), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (20250707), for consummation to occur on (2025-xx-14). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of 07/XX/2025 with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of 07/XX/2025. No Cure. - Due Diligence Vendor-07/XX/2025 Open-xx- Due Diligence Vendor-07/XX/2025 Open-xx- Due Diligence Vendor-07/XX/2025 Open-xx- Due Diligence Vendor-07/XX/2025 |  | Resolved-Resolved - Due Diligence Vendor-08/XX/2025 | XX |  |  | CO | Investment | Refinance | Cash Out - Other | XX | N/A | N/A
9728005308 | XX | XX |  |  | Closed | 2025-07-23 18:32 | 2025-08-01 18:31 | Resolved | 1 - Information | Credit | Missing Doc | Missing Payoff Statement for prior loan | Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-08/XX/2025 Ready for Review-Document Uploaded. Payoff statement attached. - Buyer-08/XX/2025 Counter-Missing attachment for payoff statement, finding maintained. - Due Diligence Vendor-08/XX/2025 Ready for Review-Please see attached payoff statement. - Buyer-07/XX/2025 Open-Missing Payoff Statement for prior loan. - Due Diligence Vendor-07/XX/2025 |  | Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-08/XX/2025 | XX |  |  | NY | Second Home | Refinance | Cash Out - Other | XX | N/A | N/A
9728005308 | XX | XX |  |  | Closed | 2025-07-23 18:50 | 2025-07-23 18:50 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-07/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-07/XX/2025 |  |  |  | NY | Second Home | Refinance | Cash Out - Other | XX | Investor Post-Close | No
9746503656 | XX | XX |  |  | Closed | 2025-07-24 13:33 | 2025-08-05 21:24 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Hazard Insurance Effective Date of 07-xx-2025 is prior to or equal to the Note Date of 07-xx-2025 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-08/XX/2025 Ready for Review-Document Uploaded. hoi - Buyer-08/XX/2025 Open-Hazard Insurance Effective Date of 07-xx-2025 is after the Note Date of 07-xx-2025 - Due Diligence Vendor-07/XX/2025 |  | Resolved-Hazard Insurance Effective Date of 07-xx-2025 is prior to or equal to the Note Date of 07-xx-2025 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-08/XX/2025 | XX |  |  | FL | Primary Residence | Purchase | NA | XX | N/A | N/A
9751398893 | XX | XX |  |  | Closed | 2025-07-24 11:19 | 2025-08-19 13:55 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-08/XX/2025 Resolved-Drivers License for both borrowers provided by lender. Finding Resolved. - Due Diligence Vendor-08/XX/2025 Ready for Review-Document Uploaded. DL - Buyer-08/XX/2025 Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-07/XX/2025 |  | Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-08/XX/2025 Resolved-Drivers License for both borrowers provided by lender. Finding Resolved. - Due Diligence Vendor-08/XX/2025 | XX |  |  | MI | Investment | Purchase | NA | XX | N/A | N/A
9757459251 | XX | XX |  |  | Closed | 2025-08-05 18:15 | 2025-08-05 18:15 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/XX/2025 |  |  |  | KS | Primary Residence | Purchase | NA | XX | Investor Post-Close | No
9784144546 | XX | XX |  |  | Closed | 2025-07-22 19:44 | 2025-08-04 17:33 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Cured-Lender provided documentation for credit, PCCD and LOX, finding will be rated EV2. - Due Diligence Vendor-08/XX/2025 Ready for Review-Our PCCDs are automatically delivered via email if there is prior econsent in the file, the refund is posted to the borrower's loan as a principal reduction. History was provided in response on 08-xx-25. - Buyer-08/XX/2025 Counter-Missing proof of delivery, finding maintained. - Due Diligence Vendor-08/XX/2025 Ready for Review-Document Uploaded. Please see attached cure package. - Investor-08/XX/2025 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Loan Estimate, dated 05/XX/2025, reflects a Credit Report Fee of $80. Final CD dated07/XX/2025 reflects a Credit Report Fee of $84.55. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $4.55 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-07/XX/2025 Open-xx- Due Diligence Vendor-07/XX/2025 Open-xx- Due Diligence Vendor-07/XX/2025 |  | Cured-Lender provided documentation for credit, PCCD and LOX, finding will be rated EV2. - Due Diligence Vendor-08/XX/2025 | XX |  |  | IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A
9784144546 | XX | XX |  |  | Closed | 2025-07-22 19:44 | 2025-08-04 17:32 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Cured-Lender provided documentation for credit, PCCD and LOX, finding will be rated EV2. - Due Diligence Vendor-08/XX/2025 Ready for Review-Our PCCDs are automatically delivered via email if there is prior econsent in the file, the refund is posted to the borrower's loan as a principal reduction. History was provided in response on 08-xx-25. - Investor-08/XX/2025 Counter-Missing proof of delivery, finding maintained. - Due Diligence Vendor-08/XX/2025 Ready for Review-Document Uploaded. Please see attached cure package. - Investor-08/XX/2025 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Tolerance cure of $4.55 to be provided within 60 days of discovery. - Due Diligence Vendor-07/XX/2025 Open-xx- Due Diligence Vendor-07/XX/2025 Open-xx- Due Diligence Vendor-07/XX/2025 |  | Cured-Lender provided documentation for credit, PCCD and LOX, finding will be rated EV2. - Due Diligence Vendor-08/XX/2025 | XX |  |  | IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A
9784144546 | XX | XX |  |  | Closed | 2025-07-23 14:46 | 2025-07-30 20:48 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-Mortgage statement in spouses name received, finding resolved. - Due Diligence Vendor-07/XX/2025 Counter-Mortgage statement does not provide mortgage history as required by guidelines, finding maintained. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. UW response: Disagree – the attached mortgage statement for XX confirms that the borrower is not personally obligated on the debt. A VOM is not required. - Investor-07/XX/2025 Open-ATR Risk - Credit History taken into consideration does not meet requirements Verification of Mortgage (VOM) Document is Missing. - Due Diligence Vendor-07/XX/2025 |  | Resolved-Mortgage statement in spouses name received, finding resolved. - Due Diligence Vendor-07/XX/2025 | XX |  |  | IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A
9784144546 | XX | XX |  |  | Closed | 2025-07-23 14:46 | 2025-07-30 20:47 | Resolved | 1 - Information | Credit | Missing Doc | Missing VOM or VOR | Resolved-Mortgage statement provided showing in name of spouse, finding resolved. - Due Diligence Vendor-07/XX/2025 Counter-Mortgage statement does not provide mortgage history as required by guidelines, finding maintained. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. UW response: Disagree – the attached mortgage statement for XX confirms that the borrower is not personally obligated on the debt. A VOM is not required. - Investor-07/XX/2025 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Verification of Mortgage (VOM) Document is Missing. - Due Diligence Vendor-07/XX/2025 |  | Resolved-Mortgage statement provided showing in name of spouse, finding resolved. - Due Diligence Vendor-07/XX/2025 | XX |  |  | IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A
9784144546 | XX | XX |  |  | Closed | 2025-07-22 20:19 | 2025-07-29 21:02 | Resolved | 1 - Information | Credit | Missing Doc | Missing Payoff Statement for prior loan | Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. Please see attached payoff statement. - Buyer-07/XX/2025 Open-Missing Payoff Statement for prior loan. - Due Diligence Vendor-07/XX/2025 |  | Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-07/XX/2025 | XX |  |  | IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A
9786339615 | XX | XX |  |  | Closed | 2025-07-23 14:19 | 2025-08-19 18:57 | Resolved | 1 - Information | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Updated guidelines provided; Audited FICO of 657 is greater than or equal to Guideline FICO of 640; condition resolved. - Due Diligence Vendor-08/XX/2025 Open-xx- Due Diligence Vendor-08/XX/2025 Counter-Underwriting team missing the guidelines mentioned below, finding maintained - Due Diligence Vendor-08/XX/2025 Ready for Review-Please advise if you are using the correct guide version to ensure compliance with the updated FICO requirement. The minimum FICO score requirement was updated to 640 in Guide Version 25.5, effective May 30, 2025. Since the loan application was submitted on June XX, 2025, it must be reviewed under Guide Version 25.6, which was published on June 23, 2025. The current version is 25.7, effective July 24, 2025. - Investor-08/XX/2025 Open-Audited FICO of 657 is less than Guideline FICO of 660 - Due Diligence Vendor-08/XX/2025 |  | Resolved-Updated guidelines provided; Audited FICO of 657 is greater than or equal to Guideline FICO of 640; condition resolved. - Due Diligence Vendor-08/XX/2025 |  |  |  | AL | Primary Residence | Purchase | NA | XX | N/A | N/A
9786339615 | XX | XX |  |  | Closed | 2025-08-04 13:41 | 2025-08-19 18:56 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-Updated guidelines provided; Audited FICO of 657 is greater than or equal to Guideline FICO of 640; condition resolved. - Due Diligence Vendor-08/XX/2025 Ready for Review-Please review the guidelines that were uploaded to your site on 07/XX/25 - Investor-08/XX/2025 Counter-Underwriting team missing the guidelines mentioned below, finding maintained - Due Diligence Vendor-08/XX/2025 Ready for Review-8.5 pushed back to opus nqm Please advise if you are using the correct guide version to ensure compliance with the updated FICO requirement. The minimum FICO score requirement was updated to 640 in Guide Version 25.5, effective May 30, 2025. Since the loan application was submitted on June XX, 2025, it must be reviewed under Guide Version 25.6, which was published on June 23, 2025. The current version is 25.7, effective July 24, 2025. - Buyer-08/XX/2025 Open-ATR Risk - Credit History taken into consideration does not meet requirements Audited FICO of 657 is less than Guideline FICO of 660. - Due Diligence Vendor-08/XX/2025 |  | Resolved-Updated guidelines provided; Audited FICO of 657 is greater than or equal to Guideline FICO of 640; condition resolved. - Due Diligence Vendor-08/XX/2025 |  |  |  | AL | Primary Residence | Purchase | NA | XX | N/A | N/A
9786339615 | XX | XX |  |  | Closed | 2025-07-23 13:26 | 2025-08-19 18:56 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-xx- Due Diligence Vendor-08/XX/2025 Resolved-Lender provided bank stmt acct #xx with sufficient funds. Finding resolved. - Due Diligence Vendor-08/XX/2025 Ready for Review-Document Uploaded. bank statement - Buyer-08/XX/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements . - Due Diligence Vendor-08/XX/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing bank statement dated 10/XX/2024 from xx account number ending xx. - Due Diligence Vendor-08/XX/2025 |  | Resolved-xx- Due Diligence Vendor-08/XX/2025 Resolved-Lender provided bank stmt XXwith sufficient funds. Finding resolved. - Due Diligence Vendor-08/XX/2025 | XX |  |  | AL | Primary Residence | Purchase | NA | XX | N/A | N/A
9786339615 | XX | XX |  |  | Closed | 2025-08-04 13:52 | 2025-08-19 18:54 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Lender provided bank stmt acct #xx with sufficient funds. Finding resolved. - Due Diligence Vendor-08/XX/2025 Ready for Review-Document Uploaded. bank statement - Investor-08/XX/2025 Open-Missing bank statement dated 10/XX/2024 from XX. - Due Diligence Vendor-08/XX/2025 |  | Resolved-Lender provided bank stmt acct XXwith sufficient funds. Finding resolved. - Due Diligence Vendor-08/XX/2025 | XX |  |  | AL | Primary Residence | Purchase | NA | XX | N/A | N/A
9793562092 | XX | XX |  |  | Closed | 2025-08-05 13:18 | 2025-08-08 21:53 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-08/XX/2025 Ready for Review-Document Uploaded. Reserves for XX are not needed and were removed from the asset worksheet. This property is a business, XX, which is a for profit, licensed xx that is secured by a commercial mortgage. - Buyer-08/XX/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Total Qualified Assets for Reserves Post-Close of $29636.27 is less than Total Required Reserve Amount of $33765.68 - Due Diligence Vendor-08/XX/2025 |  | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-08/XX/2025 | XX |  |  | FL | Second Home | Purchase | NA | XX | N/A | N/A
9793562092 | XX | XX |  |  | Closed | 2025-08-05 12:54 | 2025-08-08 21:51 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of $29636.27 is equal to or greater than Total Required Reserve Amount of $25324.26 - Due Diligence Vendor-08/XX/2025 Ready for Review-Document Uploaded. Reserves for XX are not needed and were removed from the asset worksheet. This property is a business,XX which is a for profit, licensed xx that is secured by a commercial mortgage. - Seller-08/XX/2025 Open-Total Qualified Assets for Reserves Post-Close of $29636.27 is less than Total Required Reserve Amount of $33765.68 - Due Diligence Vendor-08/XX/2025 | Ready for Review-Document Uploaded. Reserves for XX are not needed and were removed from the asset worksheet. This property is a business, XX, which is a for profit, licensed xx that is secured by a commercial mortgage. - Seller-08/07/2025 | Resolved-Total Qualified Assets for Reserves Post-Close of $29636.27 is equal to or greater than Total Required Reserve Amount of $25324.26 - Due Diligence Vendor-08/XX/2025 | XX |  |  | FL | Second Home | Purchase | NA | XX | N/A | N/A
9793562092 | XX | XX |  |  | Closed | 2025-07-23 15:10 | 2025-08-08 21:50 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 7.02 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-08/XX/2025 Ready for Review-Document Uploaded. Reserves for XXare not needed and were removed from the asset worksheet. This property is a business, XX, which is a for profit, licensed xx that is secured by a commercial mortgage. - Investor-08/XX/2025 Open-Audited Reserves of 7.02 month(s) are less than Guideline Required Reserves of 8 month(s) Audited Reserves of 7.02 months are less than Guideline Required Reserves of 8 months. - Due Diligence Vendor-07/XX/2025 |  | Resolved-Audited Reserves of 7.02 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-08/XX/2025 | XX |  |  | FL | Second Home | Purchase | NA | XX | N/A | N/A
9776844582 | XX | XX |  |  | Closed | 2025-07-23 16:00 | 2025-08-01 18:22 | Resolved | 1 - Information | Credit | Eligibility | Debt Service Coverage Ratio below guideline minimum | Resolved-Audited DSCR of 1.151 is greater than or equal to the Guideline DSCR of 1.15 - Due Diligence Vendor-08/XX/2025 Ready for Review-1008, dscr and ZZ - Buyer-08/XX/2025 Open-Audited DSCR of 0.976 is below guideline minimum of 1.15 Debt Service Coverge Ratio of <<Summary_Debt_Service_Coverage_Ratio>> is below guideline minimum of <<Guideline_Debt_Service_Coverage_Ratio>>.. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. 1008, DSCR, ZZ - Buyer-07/XX/2025 Open-Audited DSCR of 0.976 is below guideline minimum of 1.15 Debt Service Coverge Ratio of 0.976 is below guideline minimum of 1.15. - Due Diligence Vendor-07/XX/2025 |  | Resolved-Audited DSCR of 1.151 is greater than or equal to the Guideline DSCR of 1.15 - Due Diligence Vendor-08/XX/2025 | XX |  |  | FL | Investment | Purchase | NA | XX | N/A | N/A
9772270576 | XX | XX |  |  | Closed | 2025-08-04 14:11 | 2025-08-07 13:43 | Resolved | 1 - Information | Credit | Missing Doc | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-08/XX/2025 Ready for Review-Document Uploaded. note ppp - Buyer-08/XX/2025 Open-The Note is Incomplete Prepayment addendum is missing in file. - Due Diligence Vendor-08/XX/2025 |  | Resolved-The Note is Present - Due Diligence Vendor-08/XX/2025 | XX |  |  | FL | Investment | Purchase | NA | XX | N/A | N/A
9755647246 | XX | XX |  |  | Closed | 2025-07-22 17:02 | 2025-08-20 13:26 | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Lender provided Exception Approval for Loan amount less than guideline minimum requirement. Condition Waived, Reporting EV1 - Due Diligence Vendor-08/XX/2025 Ready for Review-Document Uploaded. sle - Buyer-08/XX/2025 Open-Audited Loan Amount of $ZZ is less than the Guideline Minimum Loan Amount of $100000 A lender exception e-mail approval was provided in the loan file but did not include any compensating factors. Additional conditions may apply upon receipt of an updated lender exception - Due Diligence Vendor-07/XX/2025 |  | Waived-Lender provided Exception Approval for Loan amount less than guideline minimum requirement. Condition Waived, Reporting EV1 - Due Diligence Vendor-08/XX/2025 | XX |  | 51.07 months PITIA Reserves exceeds 15 months required ; 0x30x21 years mtg reporting | LA | Investment | Refinance | Cash Out - Other | XX | Originator Pre-Close | Yes
9755647246 | XX | XX |  |  | Closed | 2025-07-22 16:10 | 2025-08-08 16:31 | Resolved | 1 - Information | Credit | Missing Doc | Missing Payoff Statement for prior loan | Resolved-Lender provided payoff statement. Condition Resolved, reporting EV1. - Due Diligence Vendor-08/XX/2025 Ready for Review-Document Uploaded. payoff - Buyer-08/XX/2025 Open-Missing Payoff Statement for prior loan. - Due Diligence Vendor-07/XX/2025 |  | Resolved-Lender provided payoff statement. Condition Resolved, reporting EV1. - Due Diligence Vendor-08/XX/2025 | XX |  |  | LA | Investment | Refinance | Cash Out - Other | XX | N/A | N/A
9705217801 | XX | XX |  |  | Closed | 2025-06-27 04:35 | 2025-07-21 13:44 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Hazard Insurance Effective Date of 06-xx-2025 is prior to or equal to the Note Date of 06-xx-2025 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. hoi - Buyer-07/XX/2025 Open-Hazard Insurance Effective Date of 06-xx-2025 is after the Note Date of 06-xx-2025. The disbursement date is 06-xx-2025. - Due Diligence Vendor-06/XX/2025 |  | Resolved-Hazard Insurance Effective Date of 06-xx-2025 is prior to or equal to the Note Date of 06-xx-2025 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-07/XX/2025 | XX |  |  | CA | Second Home | Purchase | NA | XX | N/A | N/A
9705217801 | XX | XX |  |  | Closed | 2025-06-27 04:35 | 2025-07-21 13:44 | Resolved | 1 - Information | Credit | Insurance | Other Property Insurance Policy Effective Date is after the Note Date | Resolved-Other Property Insurance Policy Effective Date of 06-xx-2025 is after the Note Date of 06-xx-2025 Updated binder with effective date of 6/XX/2025 provided, finding resolvef. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. hoi - Buyer-07/XX/2025 Open-Other Property Insurance Policy Effective Date of 06-xx-2025 is after the Note Date of 06-xx-2025. The disbursement date is 06-xx-2025. - Due Diligence Vendor-06/XX/2025 |  | Resolved-Other Property Insurance Policy Effective Date of 06-xx-2025 is after the Note Date of 06-xx-2025 Updated binder with effective date of 6/XX/2025 provided, finding resolvef. - Due Diligence Vendor-07/XX/2025 | XX |  |  | CA | Second Home | Purchase | NA | XX | N/A | N/A
9763444990 | XX | XX |  |  | Closed | 2025-07-01 12:29 | 2025-07-14 13:56 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Received missing bank statement. Condition cleared. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. Please see attached bank statement for February 2025. - Buyer-07/XX/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Incomplete business bank statements. - Due Diligence Vendor-07/XX/2025 |  | Resolved-Received missing bank statement. Condition cleared. - Due Diligence Vendor-07/XX/2025 | XX |  |  | MI | Primary Residence | Purchase | NA | XX | N/A | N/A
9763444990 | XX | XX |  |  | Closed | 2025-07-01 12:30 | 2025-07-14 13:56 | Resolved | 1 - Information | Credit | Income/Employment | Borrower 1 Business Bank Statements Less Than 12 Months Provided | Resolved-Received missing bank statement. Condition cleared. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. Please see attached bank statement for February 2025. - Buyer-07/XX/2025 Open-Loan was approved under the 12-month bank statement program. Loan file is missing the 02/2025 statement. - Due Diligence Vendor-07/XX/2025 |  | Resolved-Received missing bank statement. Condition cleared. - Due Diligence Vendor-07/XX/2025 | XX |  |  | MI | Primary Residence | Purchase | NA | XX | N/A | N/A
9763444990 | XX | XX |  |  | Closed | 2025-07-01 12:28 | 2025-07-01 12:29 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2025 |  |  |  | MI | Primary Residence | Purchase | NA | XX | Investor Post-Close | No
215267600 | XX | XX |  |  | Closed | 2025-07-15 14:01 | 2025-07-15 21:44 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2025 |  |  |  | TX | Primary Residence | Purchase | NA | XX | Investor Post-Close | No
9746450684 | XX | XX |  |  | Closed | 2025-07-14 14:53 | 2025-07-23 18:28 | Resolved | 1 - Information | Credit | Missing Doc | Missing income documentation | Resolved-Lender provided executed operating agreement, finding resolved. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. Please see the attached signed operating agreement. - Buyer-07/XX/2025 Open-Provide fully executed Operating agreement since provided Operating agreement does not contains signature. - Due Diligence Vendor-07/XX/2025 |  | Resolved-Lender provided executed operating agreement, finding resolved. - Due Diligence Vendor-07/XX/2025 | XX |  |  | VA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A
9746450684 | XX | XX |  |  | Closed | 2025-07-16 17:33 | 2025-07-23 18:27 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. Please see the attached signed operating agreement. - Investor-07/XX/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Operating Statement provided in file to confirm Borrower's ownership percentage in the business was not signed by the Borrower. - Due Diligence Vendor-07/XX/2025 |  | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-07/XX/2025 | XX |  |  | VA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A
9746450684 | XX | XX |  |  | Closed | 2025-07-14 16:53 | 2025-07-21 13:28 | Resolved | 1 - Information | Credit | Missing Doc | Missing Payoff Statement for prior loan | Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. - Buyer-07/XX/2025 Open-Missing Payoff Statement for prior loan. - Due Diligence Vendor-07/XX/2025 |  | Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-07/XX/2025 | XX |  |  | VA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A
9787671032 | XX | XX |  |  | Closed | 2025-07-16 15:00 | 2025-07-21 13:31 | Resolved | 1 - Information | Compliance | Closing | Note Does Not Indicate a Buy-Down but CD Indicates a Buy-Down | Resolved-Lender provided executed temporary buydown, finding resolved. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. Please see attached Buydown Agreement. - Buyer-07/XX/2025 Open-Loan file is missing a copy of the Buydown Agreement. - Due Diligence Vendor-07/XX/2025 |  | Resolved-Lender provided executed temporary buydown, finding resolved. - Due Diligence Vendor-07/XX/2025 | XX |  |  | WA | Primary Residence | Purchase | NA | XX | N/A | N/A
9793380230 | XX | XX |  |  | Closed | 2025-07-14 11:37 | 2025-07-23 18:03 | Resolved | 1 - Information | Credit | Missing Doc | Missing Payoff Statement for prior loan | Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. Please see attached settlement statement and final CD showing the per diem interest was paid in accordance with the payoff statement. - Buyer-07/XX/2025 Counter-Payoff letter provided was good until June 5, 2025, and subject note date is June XX,2025, finding maintained. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. Please see attached payoff statement. - Buyer-07/XX/2025 Open-Missing Payoff Statement for prior loan. - Due Diligence Vendor-07/XX/2025 |  | Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-07/XX/2025 | XX |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A
9723830874 | XX | XX |  |  | Closed | 2025-07-16 08:33 | 2025-07-21 13:41 | Resolved | 1 - Information | Credit | Missing Doc | Missing Payoff Statement for prior loan | Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. Please see attached mortgage payoff. - Buyer-07/XX/2025 Open-Missing Payoff Statement for prior loan. - Due Diligence Vendor-07/XX/2025 |  | Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-07/XX/2025 | XX |  |  | MI | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A
9730723963 | XX | XX |  |  | Closed | 2025-07-21 14:59 | 2025-09-18 15:23 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Lender credit exception with valid compensating factors excluding assets in loan file, finding Waived with an EV2. - Due Diligence Vendor-09/XX/2025 Acknowledged-Lender credit exception with valid compensating factors excluding assets in loan file, finding will be rated EV2. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. Please see attached asset worksheet and bank statements. - Buyer-07/XX/2025 Open-Housing History Does Not Meet Guideline Requirements Missing verification of acceptable housing payment history. Borrower is a first-time homebuyer who has been living rent free for the past 3+ years. Lender provided approved exception dated prior to consummation; however, all compensating factors have not been documented as $32,000 in reserve has not been verified. - Due Diligence Vendor-07/XX/2025 |  | Waived-Lender credit exception with valid compensating factors excluding assets in loan file, finding Waived with an EV2. - Due Diligence Vendor-09/XX/2025 Acknowledged-Lender credit exception with valid compensating factors excluding assets in loan file, finding will be rated EV2. - Due Diligence Vendor-07/XX/2025 | XX |  | 694 FICO, Low DTI, 80% LTV, and Reserves. | NY | Primary Residence | Purchase | NA | XX | Originator Post-Close | No
9730723963 | XX | XX |  |  | Closed | 2025-07-21 15:55 | 2025-09-17 15:14 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. Please see attached asset worksheet and bank statements. - Buyer-07/XX/2025 Open-ATR Risk - Credit History taken into consideration does not meet requirements Missing verification of acceptable housing payment history. Borrower is a first-time homebuyer who has been living rent free for the past 3+ years. Lender provided approved exception dated prior to consummation; however, all compensating factors have not been documented as $32,000 in reserve has not been verified. - Due Diligence Vendor-07/XX/2025 |  | Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-07/XX/2025 | XX |  |  | NY | Primary Residence | Purchase | NA | XX | N/A | N/A
215255761 | XX | XX |  |  | Closed | 2025-09-18 22:57 | 2025-09-19 11:57 | Resolved | 1 - Information | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Lender provided proof of rent loss. Coverage is sufficient. Finding Resolved. - Due Diligence Vendor-09/XX/2025 Open-Hazard Policy is missing evidence of Rent Loss coverage. - Due Diligence Vendor-09/XX/2025 |  | Resolved-Lender provided proof of rent loss. Coverage is sufficient. Finding Resolved. - Due Diligence Vendor-09/XX/2025 |  |  |  | PA | Investment | Purchase | NA | XX | N/A | N/A
9752691197 | XX | XX |  |  | Closed | 2025-07-14 19:01 | 2025-07-18 15:30 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity Tax ID | Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. ein - Buyer-07/XX/2025 Open-Missing Borrowing Entity Tax ID. Missing borrowing entity Tax ID number verified by EIN verification letter issued by the IRS or completed IRS form W-9 as required by guidelines. - Due Diligence Vendor-07/XX/2025 |  | Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-07/XX/2025 | XX |  |  | VA | Investment | Purchase | NA | XX | N/A | N/A
9718337943 | XX | XX |  |  | Closed | 2025-07-09 13:59 | 2025-07-17 16:58 | Resolved | 1 - Information | Credit | Eligibility | Exclusionary Party Screening - Restricted Party Present | Resolved-Lender provided GOV search for two parties, finding resolved. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. exclusionary list - Buyer-07/XX/2025 Open-Exclusionary Party Screening - Restricted Party Present. - Due Diligence Vendor-07/XX/2025 |  | Resolved-Lender provided GOV search for two parties, finding resolved. - Due Diligence Vendor-07/XX/2025 | XX |  |  | IN | Investment | Refinance | Cash Out - Other | XX | N/A | N/A
9755178804 | XX | XX |  |  | Closed | 2025-07-10 19:28 | 2025-07-17 16:25 | Resolved | 1 - Information | Credit | Missing Doc | Missing Payoff Statement for prior loan | Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. payoff statement - Buyer-07/XX/2025 Open-Missing Payoff Statement for prior loan. Missing Payoff Statement for prior loan #XX. - Due Diligence Vendor-07/XX/2025 |  | Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-07/XX/2025 | XX |  |  | FL | Investment | Refinance | Cash Out - Other | XX | N/A | N/A