EX-99.7 44 ea025949101_ex99-7sch4.htm SCHEDULE 4 - STANDARD FINDINGS

Exhibit 99.7 Schedule 4

ASF Loan Number | Seller | Loan ID | Seller Loan ID | Investor Loan ID | Queue | Created Date | Last Modified Date | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | 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?
400095916 | XX | XX |  |  | Closed | 2024-12-26 19:55 | 2025-01-13 12:10 | Resolved | 1 - Information | B | A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-E-Sign Consent Form Received - Due Diligence Vendor-01/13/2025 Ready for Review-Document Uploaded. - Seller-01/09/2025 Open-Provide E-Sign Consent Form - Due Diligence Vendor-12/26/2024 | Ready for Review-Document Uploaded. - Seller-01/09/2025 | Resolved-E-Sign Consent Form Received - Due Diligence Vendor-01/13/2025 | XX |  |  | AZ | Primary Residence | Purchase | NA | XX | N/A | N/A
400095916 | XX | XX |  |  | Closed | 2024-12-27 14:24 | 2024-12-27 14:24 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.19%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 616-617 and the Final Closing disclosure on Pg#’s 390 reflects escrows. Rate lock date was entered correctly – see Pg#’s 702 An interior and exterior appraisal was completed for this property – see pg 74-105 , the appraisal disclosure was provided to the borrower(s)- see Pg#’808 -810 , and copy of the appraisal was given to the borrower – see Pg#’s 493, 684 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/27/2024 |  | Resolved-The loan's (9.19%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 616-617 and the Final Closing disclosure on Pg#’s 390 reflects escrows. Rate lock date was entered correctly – see Pg#’s 702 An interior and exterior appraisal was completed for this property – see pg 74-105 , the appraisal disclosure was provided to the borrower(s)- see Pg#’808 -810 , and copy of the appraisal was given to the borrower – see Pg#’s 493, 684 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/27/2024 |  |  |  | AZ | Primary Residence | Purchase | NA | XX | N/A | N/A
400098372 | XX | XX |  |  | Closed | 2025-03-14 08:24 | 2025-03-31 06:37 | Resolved | 1 - Information | C | A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report Provided. - Due Diligence Vendor-03/31/2025 Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-03/31/2025 Ready for Review-Document Uploaded. Gap Credit - Seller-03/28/2025 Open-Borrower 2 Gap Credit Report is Missing Provide Gap credit report for Borrower 2 as it is missing in file - Due Diligence Vendor-03/14/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-03/28/2025 | Resolved-Borrower 2 Gap Credit Report Provided. - Due Diligence Vendor-03/31/2025 Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-03/31/2025 | XX |  |  | OK | Primary Residence | Purchase | NA | XX | N/A | N/A
400098372 | XX | XX |  |  | Closed | 2025-03-14 08:24 | 2025-03-31 06:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report Provided. - Due Diligence Vendor-03/31/2025 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/31/2025 Ready for Review-Document Uploaded. Gap Credit - Seller-03/28/2025 Open-Borrower 1 Gap Credit Report is Missing Provide Gap credit report for Borrower 1 as it is missing in file - Due Diligence Vendor-03/14/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-03/28/2025 | Resolved-Borrower 1 Gap Credit Report Provided. - Due Diligence Vendor-03/31/2025 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/31/2025 | XX |  |  | OK | Primary Residence | Purchase | NA | XX | N/A | N/A
400098372 | XX | XX |  |  | Closed | 2025-03-14 09:12 | 2025-03-27 10:19 | Resolved | 1 - Information | C | A | Credit | Missing Doc | Borrower 2 Photo Identification Type Missing | Resolved-Updated Borrower 2 Photo Identification document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/27/2025 Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-03/27/2025 Ready for Review-Document Uploaded. Driver License - Seller-03/26/2025 Open-Borrower 2 Photo Identification Missing. Please provide valid photo identification per guideline requirements. Provided updated Driving License for Borrower 2 as the provided one on page 365,367 Driving License is expired on 01/31/2025. - Due Diligence Vendor-03/14/2025 | Ready for Review-Document Uploaded. Driver License - Seller-03/26/2025 | Resolved-Updated Borrower 2 Photo Identification document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/27/2025 Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-03/27/2025 | XX |  |  | OK | Primary Residence | Purchase | NA | XX | N/A | N/A
400098372 | XX | XX |  |  | Closed | 2025-03-14 10:00 | 2025-03-21 14:03 | Resolved | 1 - Information | C | A | Compliance | Predatory:DocType | Oklahoma - Documentation Warning (HPML) | Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #395,397 and the Final Closing disclosure on Pg #223, Finding reflects escrows. Rate lock date was entered correctly – see Pg #212,399. An interior and exterior appraisal was completed for this property – see Pg #44, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #42,43,262. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/21/2025 Ready for Review-Document Uploaded. Compliance Response: This loan closed with an income analysis completed to show how the underwriter calculated the borrower’s income, see attached. Assets were verified and the loan closed with an appraisal, which meets the requirements to close a loan that is an HPML. Ratios are 14/23. Based on the documentation in the file the lender did determine that the borrowers can repay this loan. - Seller-03/19/2025 Open-This is an Oklahoma Higher-Priced Mortgage Loan. A lender must determine a borrower's repayment ability, using the borrower's current and expected income, employment, assets other than the collateral, current obligations, and mortgage-related obligations. The methodology and standards set forth in 12 CFR 1026.34(a)(4) as incorporated by the Oklahoma Admin Code, should be applied to determine a lender's compliance with this requirement. (Okla. Admin. Code 160:45-9-4(a)(4)(B)) Borrower is qualifying using Bank statements income he is sole owner of XXX and verified assets of $20062.91 from the statement page 77. This is an Oklahoma Higher-Priced Mortgage Loan. A lender must determine a borrower's repayment ability, using the borrower's current and expected income, employment, assets other than the collateral, current obligations, and mortgage-related obligations. The methodology and standards set forth in 12 CFR 1026.34(a)(4) as incorporated by the Oklahoma Admin Code, should be applied to determine a lender's compliance with this requirement. (Okla. Admin. Code 160:45-9-4(a)(4)(B)). - Due Diligence Vendor-03/14/2025 | Ready for Review-Document Uploaded. Compliance Response: This loan closed with an income analysis completed to show how the underwriter calculated the borrower’s income, see attached. Assets were verified and the loan closed with an appraisal, which meets the requirements to close a loan that is an HPML. Ratios are 14/23. Based on the documentation in the file the lender did determine that the borrowers can repay this loan. - Seller-03/19/2025 | Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #395,397 and the Final Closing disclosure on Pg #223, Finding reflects escrows. Rate lock date was entered correctly – see Pg #212,399. An interior and exterior appraisal was completed for this property – see Pg #44, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #42,43,262. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/21/2025 | XX |  |  | OK | Primary Residence | Purchase | NA | XX | N/A | N/A
400098372 | XX | XX |  |  | Closed | 2025-03-14 10:00 | 2025-03-14 10:04 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Oklahoma - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is an Oklahoma Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.68%) equals or exceeds the Oklahoma HPML threshold of (8.35%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.85%). (Okla. Admin. Code 160:45-9-5(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #395,397 and the Final Closing disclosure on Pg #223, Finding reflects escrows. Rate lock date was entered correctly – see Pg #212,399. An interior and exterior appraisal was completed for this property – see Pg #44, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #42,43,262. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/14/2025 |  | Resolved-This is an Oklahoma Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.68%) equals or exceeds the Oklahoma HPML threshold of (8.35%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.85%). (Okla. Admin. Code 160:45-9-5(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #395,397 and the Final Closing disclosure on Pg #223, Finding reflects escrows. Rate lock date was entered correctly – see Pg #212,399. An interior and exterior appraisal was completed for this property – see Pg #44, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #42,43,262. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/14/2025 |  |  |  | OK | Primary Residence | Purchase | NA | XX | N/A | N/A
400098372 | XX | XX |  |  | Closed | 2025-03-14 10:00 | 2025-03-14 10:03 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.68%) APR equals or exceeds the Federal HPML threshold of (8.35%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.85%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #395,397 and the Final Closing disclosure on Pg #223, Finding reflects escrows. Rate lock date was entered correctly – see Pg #212,399. An interior and exterior appraisal was completed for this property – see Pg #44, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #42,43,262. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/14/2025 |  | Resolved-The loan's (8.68%) APR equals or exceeds the Federal HPML threshold of (8.35%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.85%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #395,397 and the Final Closing disclosure on Pg #223, Finding reflects escrows. Rate lock date was entered correctly – see Pg #212,399. An interior and exterior appraisal was completed for this property – see Pg #44, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #42,43,262. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/14/2025 |  |  |  | OK | Primary Residence | Purchase | NA | XX | N/A | N/A
400098330 | XX | XX |  |  | Closed | 2025-03-21 17:09 | 2025-04-04 16:42 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-04/04/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/04/2025 Open-Fraud Report Shows Uncleared Alerts • xx document is missing. The Fraud Report in file shows High, Medium, and Low alerts. But with the missing document, unable to verify if any/all alerts were reviewed & cleared. - Due Diligence Vendor-03/21/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/04/2025 | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-04/04/2025 | XX |  |  | AL | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A
400098330 | XX | XX |  |  | Closed | 2025-03-20 09:28 | 2025-03-25 16:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report dated 3/24/2025 received. System updated. Resolved. - Due Diligence Vendor-03/25/2025 Ready for Review-Document Uploaded. Gap Credit - Seller-03/25/2025 Open-Borrower 1 Gap Credit Report is Missing • Borrower 1 Gap Credit Report is missing from the loan file. - Due Diligence Vendor-03/20/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-03/25/2025 | Resolved-Borrower 1 Gap Credit Report dated 3/24/2025 received. System updated. Resolved. - Due Diligence Vendor-03/25/2025 | XX |  |  | AL | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A
400098330 | XX | XX |  |  | Closed | 2025-03-20 09:34 | 2025-03-21 19:59 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-FHLMC UCDP/SSR received with an LCA score of 1.0 and R&W eligible. System updated. Resolved. - Due Diligence Vendor-03/21/2025 Ready for Review-Document Uploaded. XX SSR - Seller-03/21/2025 Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a FNMA or FHLMC UCDP/SSR report with a score less than 2.5, or the file needs an Appraisal Desk Review. - Due Diligence Vendor-03/20/2025 | Ready for Review-Document Uploaded. XX SSR - Seller-03/21/2025 | Resolved-FHLMC UCDP/SSR received with an LCA score of 1.0 and R&W eligible. System updated. Resolved. - Due Diligence Vendor-03/21/2025 | XX |  |  | AL | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A
400098330 | XX | XX |  |  | Closed | 2025-03-20 10:49 | 2025-04-04 17:56 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-. - Due Diligence Vendor-04/04/2025 Resolved-The loan's (8.789%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’326, and the Final Closing disclosure on Pg#’162, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’ 346,336,160. An interior and exterior appraisal was completed for this property – see pg# 35, the appraisal disclosure was provided to the borrower(s)- see Pg#’32,31, and confirmation the appraisal was delivered to the borrower – see Pg#’32,31. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/20/2025 |  | Resolved-. - Due Diligence Vendor-04/04/2025 Resolved-The loan's (8.789%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’326, and the Final Closing disclosure on Pg#’162, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’ 346,336,160. An interior and exterior appraisal was completed for this property – see pg# 35, the appraisal disclosure was provided to the borrower(s)- see Pg#’32,31, and confirmation the appraisal was delivered to the borrower – see Pg#’32,31. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/20/2025 |  |  |  | AL | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A
400098350 | XX | XX |  |  | Closed | 2025-03-26 16:58 | 2025-04-23 15:08 | Acknowledged | 2 - Non-Material | B | B | Credit | Credit | Guarantor 1 spouse has not approved transaction | Acknowledged-Spousal Consent not received by guarantor's spouse, when the guarantor's principal residence in a community property state, and the spouse is not a member of the LLC - Due Diligence Vendor-04/09/2025 Ready for Review- - Due Diligence Vendor-04/07/2025 Counter-Compliance Review - Due Diligence Vendor-04/07/2025 Ready for Review-Document Uploaded. Compliance Response - Based on the research I found; a Guarantor Spousal consent is required on property that is a Homestead. This transaction is an investment property. I disagree with the condition; this document is not needed - Seller-03/26/2025 Open-Guarantor Spousal consent needed as borrower lives in TX - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. Compliance Response - Based on the research I found; a Guarantor Spousal consent is required on property that is a Homestead. This transaction is an investment property. I disagree with the condition; this document is not needed - Seller-03/26/2025 | Acknowledged-Spousal Consent not received by guarantor's spouse, when the guarantor's principal residence in a community property state, and the spouse is not a member of the LLC - Due Diligence Vendor-04/09/2025 | XX |  |  | TX | Investment | Refinance | Cash Out - Other | XX | Originator Post-Close | No
400098350 | XX | XX |  |  | Closed | 2025-03-21 03:53 | 2025-03-26 16:26 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-received letter of Intent to Re-record and corrected page 2 of DOT with box checked for Prepay Rider - resolved - Due Diligence Vendor-03/26/2025 Ready for Review-Document Uploaded. Letter of Intent to Re-record and corrected page 2 of DOT with box checked for Prepay Rider - Seller-03/26/2025 Open-The Deed of Trust is Incomplete Provided updated Deed of Trust, as the provided one on page 160 prepayment rider is not checked, prepayment rider is on page 380 - Due Diligence Vendor-03/21/2025 | Ready for Review-Document Uploaded. Letter of Intent to Re-record and corrected page 2 of DOT with box checked for Prepay Rider - Seller-03/26/2025 | Resolved-received letter of Intent to Re-record and corrected page 2 of DOT with box checked for Prepay Rider - resolved - Due Diligence Vendor-03/26/2025 | XX |  |  | TX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A
400098332 | XX | XX |  |  | Closed | 2025-03-20 06:56 | 2025-03-28 12:12 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-03/28/2025 Ready for Review-Document Uploaded. Recorded DOT showing Prepay Rider on page 2 and all riders attached - Seller-03/27/2025 Open-The Deed of Trust is Incomplete File has prepayment rider but did not mentioned on Riders section of DOT - Due Diligence Vendor-03/20/2025 | Ready for Review-Document Uploaded. Recorded DOT showing Prepay Rider on page 2 and all riders attached - Seller-03/27/2025 | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-03/28/2025 | XX |  |  | GA | Investment | Refinance | Cash Out - Other | XX | N/A | N/A
400098360 | XX | XX |  |  | Closed | 2025-03-24 05:38 | 2025-03-31 18:40 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Resolved-Audited DTI of 49.77% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-03/31/2025 Resolved-Corrected 1003 & 1008 received, pointing to several accounts that are paid by the business. Validated. Updated the system. New Lender DTI is 49.96%. New Audit DTI is 49.7670%. Within tolerance. Resolved. Audited DTI of 49.77% is less than or equal to Guideline DTI of 50%. - Due Diligence Vendor-03/31/2025 Ready for Review-Document Uploaded. Some debts were omitted as they are paid by the business. Updated 1003 and 1008 attached - Seller-03/31/2025 Open-Audited DTI of 58.21% exceeds Guideline DTI of 50% • Audited DTI above 50%, calculated at 58.2140%. Income matches at $28,542.63 and PITIA matches at $4,195.82. Variance comes from a calculation difference in All Other Monthly Payments Used in Qualifying. Per the 1008. the Lender calculated $5,199.00. The audit calculated $12,420.00. Total other expenses, per audit are $5,431 (REO expense for XX, per the credit supplement 2/19/25) + $3,008 (REO expense for 4XX, per the credit report 12/20/24) + $3,981 (other debt per the 12/20/24 credit report = $12,420.00. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. Some debts were omitted as they are paid by the business. Updated 1003 and 1008 attached - Seller-03/31/2025 | Resolved-Audited DTI of 49.77% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-03/31/2025 Resolved-Corrected 1003 & 1008 received, pointing to several accounts that are paid by the business. Validated. Updated the system. New Lender DTI is 49.96%. New Audit DTI is 49.7670%. Within tolerance. Resolved. Audited DTI of 49.77% is less than or equal to Guideline DTI of 50%. - Due Diligence Vendor-03/31/2025 | XX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A
400098360 | XX | XX |  |  | Closed | 2025-03-24 14:10 | 2025-03-31 17:52 | Resolved | 1 - Information | C | A | Credit | Credit | DTI discrepancy or failure. | Resolved-Corrected 1003 & 1008 received, pointing to several accounts that are paid by the business. Validated. Updated the system. New Lender DTI is 49.96%. New Audit DTI is 49.7670%. Within tolerance. Resolved. - Due Diligence Vendor-03/31/2025 Ready for Review-Document Uploaded. Some debts were omitted as they are paid by the business. Updated 1003 and 1008 attached - Seller-03/31/2025 Open-• Audited DTI is 58.2140%. DTI per the 1008 is 32.920%. - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. Some debts were omitted as they are paid by the business. Updated 1003 and 1008 attached - Seller-03/31/2025 | Resolved-Corrected 1003 & 1008 received, pointing to several accounts that are paid by the business. Validated. Updated the system. New Lender DTI is 49.96%. New Audit DTI is 49.7670%. Within tolerance. Resolved. - Due Diligence Vendor-03/31/2025 | XX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A
400098360 | XX | XX |  |  | Closed | 2025-03-25 18:17 | 2025-03-31 17:51 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Corrected 1003 & 1008 received, pointing to several accounts that are paid by the business. Validated. Updated the system. New Lender DTI is 49.96%. New Audit DTI is 49.7670%. Within tolerance. Resolved. - Due Diligence Vendor-03/31/2025 Ready for Review-Document Uploaded. Some debts were omitted as they are paid by the business. Updated 1003 and 1008 attached - Seller-03/31/2025 Open-Audited DTI Exceeds Guideline DTI • Audited DTI above 50%, calculated at 58.2140%. Income matches at $28,542.63 and PITIA matches at $4,195.82. Variance comes from a calculation difference in All Other Monthly Payments Used in Qualifying. Per the 1008. the Lender calculated $5,199.00. The audit calculated $12,420.00. Total other expenses, per audit are $5,431 (REO expense for XX, per the credit supplement 2/19/25) + $3,008 (REO expense for XX per the credit report 12/20/24) + $3,981 (other debt per the 12/20/24 credit report = $12,420.00. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. Some debts were omitted as they are paid by the business. Updated 1003 and 1008 attached - Seller-03/31/2025 | Resolved-Corrected 1003 & 1008 received, pointing to several accounts that are paid by the business. Validated. Updated the system. New Lender DTI is 49.96%. New Audit DTI is 49.7670%. Within tolerance. Resolved. - Due Diligence Vendor-03/31/2025 | XX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A
400098360 | XX | XX |  |  | Closed | 2025-03-25 18:11 | 2025-03-31 17:40 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-03/31/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/31/2025 Open-Fraud Report Shows Uncleared Alerts •xx document is missing. The Fraud Report in file shows High, Medium, and Low alerts. But with the missing document, unable to verify if any/all alerts were reviewed & cleared. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/31/2025 | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-03/31/2025 | XX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A
400100979 | XX | XX |  |  | Closed | 2025-03-24 08:43 | 2025-04-07 08:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/07/2025 Resolved-Validation Resolved' - Due Diligence Vendor-04/07/2025 Ready for Review-Document Uploaded. Income Worksheet - Seller-04/04/2025 Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Lender Income Calculation Worksheet, Income Lender worksheet is missing in file to verify the exact deposit and expense factor as of now updated $32814 from final 1003 and 1008 - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. Income Worksheet - Seller-04/04/2025 | Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/07/2025 Resolved-Validation Resolved' - Due Diligence Vendor-04/07/2025 | XX |  |  | CA | Investment | Purchase | NA | XX | N/A | N/A
400100979 | XX | XX |  |  | Closed | 2025-03-24 09:05 | 2025-04-04 10:11 | Resolved | 1 - Information | C | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/04/2025 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/04/2025 Ready for Review-Document Uploaded. Gap Credit - Seller-04/03/2025 Open-Borrower 1 Gap Credit Report is Missing Provide Gap credit report as it is missing in file. - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-04/03/2025 | Resolved-Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/04/2025 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/04/2025 | XX |  |  | CA | Investment | Purchase | NA | XX | N/A | N/A
400100979 | XX | XX |  |  | Closed | 2025-03-24 09:26 | 2025-03-28 12:46 | Resolved | 1 - Information | C | A | Credit | Assets | Asset General | Resolved-Additional assets provided. Resolved - Due Diligence Vendor-03/28/2025 Ready for Review-Document Uploaded. 1031 Exchange docs - Seller-03/27/2025 Open-Request to provide wired proof, statement or LOX for the saving account of $129403 as per 1003 final on page #666. no savings account documentation in file. - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. 1031 Exchange docs - Seller-03/27/2025 | Resolved-Additional assets provided. Resolved - Due Diligence Vendor-03/28/2025 | XX |  |  | CA | Investment | Purchase | NA | XX | N/A | N/A
400100979 | XX | XX |  |  | Closed | 2025-03-24 10:28 | 2025-03-28 12:41 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Additional assets provided. Resolved - Due Diligence Vendor-03/28/2025 Ready for Review-Document Uploaded. 1031 Exchange docs - Seller-03/27/2025 Open-Qualifying reserve is less than required reserve provide additional assets documentation if any, missing "other assets" documented on final 1003. - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. 1031 Exchange docs - Seller-03/27/2025 | Resolved-Additional assets provided. Resolved - Due Diligence Vendor-03/28/2025 | XX |  |  | CA | Investment | Purchase | NA | XX | N/A | N/A
400100979 | XX | XX |  |  | Closed | 2025-03-24 08:20 | 2025-03-27 12:44 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-03/27/2025 Ready for Review-Document Uploaded. Recorded DOT showing no prepay rider - Seller-03/26/2025 Open-The Deed of Trust is Incomplete Provide updated Deed of Trust, as the provided one on page 525 Prepayment rider is checked as per Final CD page 250 no prepayment penalty and no prepayment addendum and prepayment rider in file as its not required - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. Recorded DOT showing no prepay rider - Seller-03/26/2025 | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-03/27/2025 | XX |  |  | CA | Investment | Purchase | NA | XX | N/A | N/A
400100979 | XX | XX |  |  | Closed | 2025-03-24 09:12 | 2025-03-27 09:31 | Resolved | 1 - Information | C | A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved - Due Diligence Vendor-03/27/2025 Ready for Review-Document Uploaded. XX SSR - Seller-03/26/2025 Open-For securitization, a second property valuation needs to be provided. File needs a FNMA and/or FHLMC UCDP/SSR report with scores less than 2.5; or the file needs an Appraisal Desk Review. - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. XX SSR - Seller-03/26/2025 | Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved - Due Diligence Vendor-03/27/2025 | XX |  |  | CA | Investment | Purchase | NA | XX | N/A | N/A
400098339 | XX | XX |  |  | Closed | 2025-03-24 05:26 | 2025-03-28 12:03 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-New Borrower 1 Gap Credit Report dated 3/27/2025 received. System updated & resolved. - Due Diligence Vendor-03/28/2025 Ready for Review-Document Uploaded. Gap Credit - Seller-03/27/2025 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). • Gap Credit report is dated 3/XX/2025. However, the loan did not close until 3/xx/2025, making the gap report 13 days old at the time of closing. Gap report must be 10 days or less. - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-03/27/2025 | Resolved-New Borrower 1 Gap Credit Report dated 3/27/2025 received. System updated & resolved. - Due Diligence Vendor-03/28/2025 | XX |  |  | TX | Investment | Purchase | NA | XX | N/A | N/A
400100992 | XX | XX |  |  | Closed | 2025-03-26 18:05 | 2025-04-10 12:12 | Waived | 2 - Non-Material | C | B | Credit | Debt | Mortgage history for primary residence less than 12 months | Waived-LTV is 70%. Maximum allowed per guidelines is 90%. Credit Score is 789. Minimum required per guidelines is 740. Borrower(s) have 17.21 months Reserves. Minimum required per guidelines is 0 months. - Due Diligence Vendor-04/10/2025 Ready for Review-Document Uploaded. Exception Approval. We should not need the mortgage statement. We received the bank statements to show the history - Seller-04/09/2025 Counter-We do not have the mortgage amount or a mortgage statement to match to the bank statements for 12 months payment history. also if in spouses name it is not on her credit report. - Due Diligence Vendor-04/01/2025 Ready for Review-Document Uploaded. UW Response: we don’t need VOR if payments on the mortgage are in JT account with spouse and paid - Seller-03/28/2025 Open-Have Letter of explanation that bwr has lived at primary for 2 years - 12 month payment history required - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. Exception Approval. We should not need the mortgage statement. We received the bank statements to show the history - Seller-04/09/2025 Ready for Review-Document Uploaded. UW Response: we don’t need VOR if payments on the mortgage are in xx account with spouse and paid - Seller-03/28/2025 | Waived-LTV is 70%. Maximum allowed per guidelines is 90%. Credit Score is 789. Minimum required per guidelines is 740. Borrower(s) have 17.21 months Reserves. Minimum required per guidelines is 0 months. - Due Diligence Vendor-04/10/2025 | XX |  |  | CA | Investment | Purchase | NA | XX | Originator Pre-Close | Yes
400100992 | XX | XX |  |  | Closed | 2025-03-24 05:26 | 2025-03-31 07:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Letter of Explanation (Assets) | Resolved-LOX not required as other person is spouse to borrower. - Due Diligence Vendor-03/31/2025 Ready for Review-Document Uploaded. UW response: our guides 4.1.2 show we don’t need access LOE if JT w spouse - Seller-03/28/2025 Open-provide proof of documentation allowing borrower access to use funds from XX checking account #XX - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. UW response: our guides 4.1.2 show we don’t need access LOE if JT w spouse - Seller-03/28/2025 | Resolved-LOX not required as other person is spouse to borrower. - Due Diligence Vendor-03/31/2025 | XX |  |  | CA | Investment | Purchase | NA | XX | N/A | N/A
400100992 | XX | XX |  |  | Closed | 2025-03-24 05:32 | 2025-03-31 07:13 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-OFAC printout Provided & Provided Fraud report shows All Fraud Report Alerts have been cleared. - Due Diligence Vendor-03/31/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/31/2025 Ready for Review-Document Uploaded. Updated Drive Report & OFAC printout - Seller-03/28/2025 Open-Fraud Report Shows Uncleared Alerts Fraud report shows 1 high uncleared alert. - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. Updated Drive Report & OFAC printout - Seller-03/28/2025 | Resolved-OFAC printout Provided & Provided Fraud report shows All Fraud Report Alerts have been cleared. - Due Diligence Vendor-03/31/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/31/2025 | XX |  |  | CA | Investment | Purchase | NA | XX | N/A | N/A
400100992 | XX | XX |  |  | Closed | 2025-03-24 06:10 | 2025-03-31 07:13 | Resolved | 1 - Information | C | A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-03/31/2025 Resolved-Updated Driver's license provided. - Due Diligence Vendor-03/31/2025 Ready for Review-Document Uploaded. Updated DL - Seller-03/28/2025 Open-Borrower Driver's license has an expiration date of 03/05/2025 which is expired prior to Note date of 03/XX/2025. - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. Updated DL - Seller-03/28/2025 | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-03/31/2025 Resolved-Updated Driver's license provided. - Due Diligence Vendor-03/31/2025 | XX |  |  | CA | Investment | Purchase | NA | XX | N/A | N/A
400098351 | XX | XX |  |  | Closed | 2025-03-25 03:19 | 2025-04-09 12:06 | Resolved | 1 - Information | C | A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-04/09/2025 Ready for Review-Document Uploaded. Photo ID - Seller-04/08/2025 Open-Borrower 1 Photo Identification Missing. Please provide valid photo identification per guideline requirements. Provide Updated Driver License. Borrower 1 Driver License expired. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. Photo ID - Seller-04/08/2025 | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-04/09/2025 | XX |  |  | WA | Primary Residence | Purchase | NA | XX | N/A | N/A
400098351 | XX | XX |  |  | Closed | 2025-03-26 14:52 | 2025-04-09 11:36 | Resolved | 1 - Information | C | A | Servicing | Pay History | Pay History Review: Missing Payment History | Resolved-Updated credit page received additional payments for primary - Due Diligence Vendor-04/09/2025 Ready for Review-Document Uploaded. Additional Rents - Seller-04/08/2025 Open-Based on guidelines need 24 month pay history for rent. Doc on page 394 is only showing 16 months. - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. Additional Rents - Seller-04/08/2025 | Resolved-Updated credit page received additional payments for primary - Due Diligence Vendor-04/09/2025 | XX |  |  | WA | Primary Residence | Purchase | NA | XX | N/A | N/A
400098351 | XX | XX |  |  | Closed | 2025-03-25 02:49 | 2025-04-03 20:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/03/2025 Ready for Review-Document Uploaded. Gap Credit - Seller-04/03/2025 Open-Borrower 1 Gap Credit Report is Missing Provided Borrower 1 Gap Credit Report. Borrower 1 Gap Credit Report is Missing. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-04/03/2025 | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/03/2025 | XX |  |  | WA | Primary Residence | Purchase | NA | XX | N/A | N/A
400101006 | XX | XX |  |  | Closed | 2025-03-25 12:26 | 2025-03-28 12:32 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation (SSR XX Mac) Provided. Resolved - Due Diligence Vendor-03/28/2025 Ready for Review-Document Uploaded. XX SSR - Seller-03/27/2025 Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide Secondary Valuation or Additional Valuation as it is missing from file. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. XX SSR - Seller-03/27/2025 | Resolved-Secondary Valuation or Additional Valuation (SSR XX ) Provided. Resolved - Due Diligence Vendor-03/28/2025 | XX |  |  | CO | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A
400101006 | XX | XX |  |  | Closed | 2025-03-25 12:41 | 2025-03-28 12:30 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Third Party Fraud Report provided with cleared alerts. Resolved - Due Diligence Vendor-03/28/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/27/2025 Open-Fraud Report Shows Uncleared Alerts Fraud report shows medium and low uncleared alerts. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/27/2025 | Resolved-Third Party Fraud Report provided with cleared alerts. Resolved - Due Diligence Vendor-03/28/2025 | XX |  |  | CO | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A
400098312 | XX | XX |  |  | Closed | 2025-03-25 11:24 | 2025-03-31 13:54 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Resolved-additional paystubs received - resolved - Due Diligence Vendor-03/31/2025 Ready for Review-Document Uploaded. Additional Paystubs attached - Seller-03/31/2025 Open-Borrower 1 Paystubs Less Than 1 Month Provided Given paystubs not covering the one month or 3days period, (Borrower receiving weekly but only two weeks paystubs are present in the file) - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. Additional Paystubs attached - Seller-03/31/2025 | Resolved-additional paystubs received - resolved - Due Diligence Vendor-03/31/2025 | XX |  |  | UT | Investment | Purchase | NA | XX | N/A | N/A
400098312 | XX | XX |  |  | Closed | 2025-03-26 14:27 | 2025-03-31 13:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Validation Resolved' - Due Diligence Vendor-03/31/2025 Ready for Review-Document Uploaded. Insurance supporting property they live in is free and clear - Seller-03/28/2025 Open-VOR/VOM Doc Status should not be 'Missing'. 12 months housing history required primary residence is not listed on Credit report - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. Insurance supporting property they live in is free and clear - Seller-03/28/2025 | Resolved-Validation Resolved' - Due Diligence Vendor-03/31/2025 | XX |  |  | UT | Investment | Purchase | NA | XX | N/A | N/A
400098312 | XX | XX |  |  | Closed | 2025-03-25 13:07 | 2025-03-31 07:03 | Resolved | 1 - Information | C | A | Credit | Assets | Asset General | Resolved-Updated 1003 provided - removed XX from assets. Reserve Requirement met. - Due Diligence Vendor-03/31/2025 Ready for Review-Document Uploaded. Updated 1003 - removed assets - Seller-03/28/2025 Open-01) Business XX) Funds are used -BXX but there is no ownership proof in the file. 02)Non-Borrower is on the joint bank statement provided-XX, however there is no LOE in file granting permission to access the funds. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. Updated 1003 - removed assets - Seller-03/28/2025 | Resolved-Updated 1003 provided - removed XX from assets. Reserve Requirement met. - Due Diligence Vendor-03/31/2025 | XX |  |  | UT | Investment | Purchase | NA | XX | N/A | N/A
400098312 | XX | XX |  |  | Closed | 2025-03-25 12:07 | 2025-03-28 12:33 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/28/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/27/2025 Open-Fraud Report Shows Uncleared Alerts There is one uncleared high alert finding is reflecting. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/27/2025 | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/28/2025 | XX |  |  | UT | Investment | Purchase | NA | XX | N/A | N/A
400098323 | XX | XX |  |  | Closed | 2025-03-27 14:56 | 2025-04-01 19:34 | Resolved | 1 - Information | C | A | Credit | Missing Doc | Missing letter of explanation | Resolved-Will be the primary - Due Diligence Vendor-04/01/2025 Ready for Review-Document Uploaded. UW lox for occupancy - Seller-04/01/2025 Open-Based on the 1003 this is the primary and borrower has resided there for one month. Based on the photos appears to be vacant. No LOE in file as the borrower purchased in 9/2024 and was sold for 0 dollars based on the appraisal. - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. UW lox for occupancy - Seller-04/01/2025 | Resolved-Will be the primary - Due Diligence Vendor-04/01/2025 | XX |  |  | GA | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A
400098323 | XX | XX |  |  | Closed | 2025-03-25 09:28 | 2025-04-01 19:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Updated credit page. - Due Diligence Vendor-04/01/2025 Ready for Review-Document Uploaded. Gap Credit - Seller-04/01/2025 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-04/01/2025 | Resolved-Updated credit page. - Due Diligence Vendor-04/01/2025 | XX |  |  | GA | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A
400098323 | XX | XX |  |  | Closed | 2025-03-25 09:49 | 2025-04-01 05:56 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud Report shows All Fraud Report Alerts have been cleared or None Exist. - Due Diligence Vendor-04/01/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/01/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/31/2025 Open-Fraud Report Shows Uncleared Alerts Provide the updated fraud report, Fraud Report Shows Uncleared Alerts. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/31/2025 | Resolved-Provided Fraud Report shows All Fraud Report Alerts have been cleared or None Exist. - Due Diligence Vendor-04/01/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/01/2025 | XX |  |  | GA | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A
400098323 | XX | XX |  |  | Closed | 2025-03-25 10:48 | 2025-03-25 10:49 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.441%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’263, and the Final Closing disclosure on Pg#’77, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’ 289,279,76. An interior and exterior appraisal was completed for this property – see pg# 33, the appraisal disclosure was provided to the borrower(s)- see Pg#’31,30, and confirmation the appraisal was delivered to the borrower – see Pg#’31,30. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/25/2025 |  | Resolved-The loan's (8.441%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’263, and the Final Closing disclosure on Pg#’77, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’ 289,279,76. An interior and exterior appraisal was completed for this property – see pg# 33, the appraisal disclosure was provided to the borrower(s)- see Pg#’31,30, and confirmation the appraisal was delivered to the borrower – see Pg#’31,30. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/25/2025 |  |  |  | GA | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A
400100997 | XX | XX |  |  | Closed | 2025-03-28 14:19 | 2025-04-03 11:47 | Resolved | 1 - Information | C | A | Credit | Doc Issue | HOA Fee Difference | Resolved-PCCD received to coincide with the corrected 1003 & 1008. Issue resolved. - Due Diligence Vendor-04/03/2025 Ready for Review-Document Uploaded. Updated CD - Seller-04/02/2025 Counter-The PCCD provided still shows $763.53 in the Estimated Taxes, Insurance, & Assessments section. If HOA is $31.25 per month, that amount should be $755.20. - Due Diligence Vendor-04/01/2025 Ready for Review-Document Uploaded. PCCD - Seller-04/01/2025 Counter-A corrected 1003 & 1008 was received to show the HOA at $31.25. However, the Final CD still shows $31.25. Page #1 of the CD (Projected Payments section) reflects $723.95 for escrowed Taxes & Insurance; and Estimated Taxes, Insurance, & Assessments is $763.53. That leaves $39.58 for HOA, which is incorrect. That Estimated Taxes, Insurance, & Assessments should be $723.95 (Escrow) + $31.25 HOA = $755.20 total (not $763.53). - Due Diligence Vendor-03/31/2025 Ready for Review-Document Uploaded. Updated 1008/1003 - Seller-03/31/2025 Open-HOA Fee difference exsits between validated HOA and documents • Per the 1003/1008, & Final CD, the amount of HOA was $475 annually ($39.58 monthly). Per the 1004 Appraisal, however, HOA dues are $375 annually ($31.25 monthly). Provide either (a) evidence of the $475 HOA dues as there is nothing in file, or (b) a corrected 1003, 1008, and a PCCD to show the HOA as only $375 annual / $31.25 monthly. - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. Updated CD - Seller-04/02/2025 Ready for Review-Document Uploaded. PCCD - Seller-04/01/2025 Ready for Review-Document Uploaded. Updated 1008/1003 - Seller-03/31/2025 | Resolved-PCCD received to coincide with the corrected 1003 & 1008. Issue resolved. - Due Diligence Vendor-04/03/2025 | XX |  |  | TX | Primary Residence | Purchase | NA | XX | N/A | N/A
400100997 | XX | XX |  |  | Closed | 2025-03-28 14:08 | 2025-03-31 21:09 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-03/31/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/31/2025 Open-Fraud Report Shows Uncleared Alerts • Txx document shows a total of 3 Medium alerts, none of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/31/2025 | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-03/31/2025 | XX |  |  | TX | Primary Residence | Purchase | NA | XX | N/A | N/A
400101002 | XX | XX |  |  | Closed | 2025-03-27 05:08 | 2025-04-04 18:25 | Resolved | 1 - Information | C | A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-after further review, discussion with sup - payouts on title - resolved - Due Diligence Vendor-04/04/2025 Ready for Review-Document Uploaded. Settlement Statement showing payoffs - Seller-04/02/2025 Counter-What are the Payoffs for? are they paying a people? please provide payoff statements - Due Diligence Vendor-04/01/2025 Ready for Review-Document Uploaded. Escrow statement to show borrower got less than $500k back at closing. - Seller-03/31/2025 Open-Cash Out is not completed according to the guideline requirements Subject LTV is 75% and loan purpose is refinance cash out. Per GL matrix, cash out include debt paid at close should be </= 500000. However per final HUD1, cash to close amount is $XXX. - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. Settlement Statement showing payoffs - Seller-04/02/2025 Ready for Review-Document Uploaded. Escrow statement to show borrower got less than $500k back at closing. - Seller-03/31/2025 | Resolved-after further review, discussion with sup - payouts on title - resolved - Due Diligence Vendor-04/04/2025 | XX |  |  | CA | Investment | Refinance | Cash Out - Other | XX | N/A | N/A
400101002 | XX | XX |  |  | Closed | 2025-03-27 04:26 | 2025-04-01 07:26 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/01/2025 Ready for Review-Document Uploaded. Title Supp with proposed insured with correct loan amount - Seller-03/31/2025 Open-Title Coverage Amount of $X is Less than Loan Amount Provide title document covering full loan amount as the one on file shows coverage amount less than the loan amount. - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. Title Supp with proposed insured with correct loan amount - Seller-03/31/2025 | Resolved-Title Coverage Amount of $xx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/01/2025 | XX |  |  | CA | Investment | Refinance | Cash Out - Other | XX | N/A | N/A
400101002 | XX | XX |  |  | Closed | 2025-03-27 04:58 | 2025-04-01 07:25 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud Report shows All Fraud Report Alerts have been cleared or None Exist. - Due Diligence Vendor-04/01/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/01/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/31/2025 Open-Fraud Report Shows Uncleared Alerts Fraud report shows 1 uncleared alert. - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/31/2025 | Resolved-Provided Fraud Report shows All Fraud Report Alerts have been cleared or None Exist. - Due Diligence Vendor-04/01/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/01/2025 | XX |  |  | CA | Investment | Refinance | Cash Out - Other | XX | N/A | N/A
400100985 | XX | XX |  |  | Closed | 2025-03-31 15:04 | 2025-04-09 15:37 | Acknowledged | 2 - Non-Material | B | B | Credit | Credit | Guarantor 1 spouse has not approved transaction | Acknowledged-Spousal Consent not received by guarantor's spouse, when the guarantor's principal residence in a community property state, and the spouse is not a member of the LLC - Due Diligence Vendor-04/09/2025 Ready for Review- - Due Diligence Vendor-04/07/2025 Counter-internal compliance review - Due Diligence Vendor-04/07/2025 Ready for Review-Document Uploaded. Compliance Response: this loan is an investment and spouse signatures are only required on Homestead properties. - Seller-03/31/2025 Open-Guarantor Spousal consent needed as borrower lives in TX - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. Compliance Response: this loan is an investment and spouse signatures are only required on Homestead properties. - Seller-03/31/2025 | Acknowledged-Spousal Consent not received by guarantor's spouse, when the guarantor's principal residence in a community property state, and the spouse is not a member of the LLC - Due Diligence Vendor-04/09/2025 | XX |  |  | TX | Investment | Refinance | Cash Out - Other | XX | Originator Post-Close | No
400100985 | XX | XX |  |  | Closed | 2025-03-27 06:14 | 2025-04-01 19:31 | Resolved | 1 - Information | C | A | Property | Appraisal | Property/Appraisal General | Resolved-LTV Is in line at 65.55 - Due Diligence Vendor-04/01/2025 Ready for Review-Document Uploaded. 1008 – 1003 – Appraised value updated - Seller-04/01/2025 Open-Property value is not matching with Appraisal due to that there is LTV Variance. Appraisal value is as per 1003 and 1008 appraisal value is xx where as actual appraisal value is xx. Per appraisal did not have latest sale date and based on summary sheet in file is a delayed finance. Need confirmation and if the value being used is the sales price from when property was purchased - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. 1008 – 1003 – Appraised value updated - Seller-04/01/2025 | Resolved-LTV Is in line at 65.55 - Due Diligence Vendor-04/01/2025 | XX |  |  | TX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A
400100985 | XX | XX |  |  | Closed | 2025-03-27 05:26 | 2025-04-01 19:28 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-04/01/2025 Ready for Review-Document Uploaded. 1003 – Assets Removed - Seller-04/01/2025 Open-Asset Record 1 Does Not Meet G/L Requirements, Provide the proof of amount $57,110 it is reflecting in Final 1003 proof of document missing. - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. 1003 – Assets Removed - Seller-04/01/2025 | Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-04/01/2025 | XX |  |  | TX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A
400100985 | XX | XX |  |  | Closed | 2025-03-31 14:56 | 2025-04-01 19:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-04/01/2025 Resolved-Updated fraud page. - Due Diligence Vendor-04/01/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/01/2025 Open-Third Party Fraud Report Partially Provided Report shows uncleared alert - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/01/2025 | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-04/01/2025 Resolved-Updated fraud page. - Due Diligence Vendor-04/01/2025 | XX |  |  | TX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A
400100972 | XX | XX |  |  | Closed | 2025-03-28 05:17 | 2025-04-01 19:56 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated fraud page. - Due Diligence Vendor-04/01/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/01/2025 Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows Uncleared Findings - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/01/2025 | Resolved-Updated fraud page. - Due Diligence Vendor-04/01/2025 | XX |  |  | CO | Primary Residence | Purchase | NA | XX | N/A | N/A
400100972 | XX | XX |  |  | Closed | 2025-03-28 05:01 | 2025-04-01 07:08 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-XX Mac provided with score. - Due Diligence Vendor-04/01/2025 Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/01/2025 Ready for Review-Document Uploaded. XX SSR - Seller-03/31/2025 Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Secondary Valuation or Additional Valuation is missing in the file - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. XX SSR - Seller-03/31/2025 | Resolved-XX provided with score. - Due Diligence Vendor-04/01/2025 Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/01/2025 | XX |  |  | CO | Primary Residence | Purchase | NA | XX | N/A | N/A
400100991 | XX | XX |  |  | Closed | 2025-03-28 10:35 | 2025-04-16 18:59 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception available in this finding: "POST CLOSING EXCEPTION: Subject is rural ,approved at 80%, max per guidelines at the time of approval was 70%. - Due Diligence Vendor-04/16/2025 Ready for Review-Document Uploaded. Exception Approval - Seller-04/16/2025 Open-Audited LTV of 80% exceeds Guideline LTV of 70% - Due Diligence Vendor-03/31/2025 Open-Audited LTV Exceeds Guideline LTV • Per the Appraisal, Property is located in a Rural area. Per the 2/12/2025 Matrix, the max LTV for a Rural Property is 70%. However, the audited LTV is 80%. - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. Exception Approval - Seller-04/16/2025 | Waived-Exception available in this finding: "POST CLOSING EXCEPTION: Subject is rural ,approved at 80%, max per guidelines at the time of approval was 70%. - Due Diligence Vendor-04/16/2025 | XX |  | (1) Number of months reserves of 64.18 exceeds the program guidelines of only 3 months. (2) DTI of 16.09% is below the Maximum DTI of 50% by 33.91%. (3) XXX monthly income. | FL | Primary Residence | Purchase | NA | XX | Originator Post-Close | Yes
400100991 | XX | XX |  |  | Closed | 2025-03-28 09:45 | 2025-04-15 18:03 | Resolved | 1 - Information | C | A | Credit | Credit | DTI discrepancy or failure. | Resolved-Correct 1008 received. Lender DTI now matches audit DTI. - Due Diligence Vendor-04/15/2025 Ready for Review-Document Uploaded. 1008 - Seller-04/15/2025 Open-• Audited DTI is 16.09% and Lender DTI is 17.89%. the difference is 1.8%. This is because on the 1008: • (1) Lender considered hazard insurance amount as $296.50 whereas per hazard insurance, final CD, payment letter, & IEAD, it is $254.83. • (2) Lender considered all other monthly payments as $10,949 where as per documentation it is $9,317 (REO1 $168 + REO2 $154 + REO3 $1,632 + Credit Debt $7,363 = $9,317). - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. 1008 - Seller-04/15/2025 | Resolved-Correct 1008 received. Lender DTI now matches audit DTI. - Due Diligence Vendor-04/15/2025 | XX |  |  | FL | Primary Residence | Purchase | NA | XX | N/A | N/A
400100991 | XX | XX |  |  | Closed | 2025-03-28 08:56 | 2025-04-15 18:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-04/15/2025 Ready for Review-Document Uploaded. Income Calculation Worksheet - Seller-04/15/2025 Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. • Lender income calculation worksheet on page#501 shows qualifying income as $54,319.75. However, per the final 1003 and 1008 the qualifying income was $90,532. The loan is missing either a corrected income calculator, or additional income on top of the $54,319.75 to equal the $90,532 qualifying. - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. Income Calculation Worksheet - Seller-04/15/2025 | Resolved-Validation Resolved' - Due Diligence Vendor-04/15/2025 | XX |  |  | FL | Primary Residence | Purchase | NA | XX | N/A | N/A
400100991 | XX | XX |  |  | Closed | 2025-03-31 15:50 | 2025-04-15 17:56 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/15/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/15/2025 Open-Fraud Report Shows Uncleared Alerts • Txx document is missing. The Fraud Report in file shows High, Medium, and Low alerts. But with the missing document, unable to verify if any/all alerts were reviewed & cleared. - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/15/2025 | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/15/2025 | XX |  |  | FL | Primary Residence | Purchase | NA | XX | N/A | N/A
400100991 | XX | XX |  |  | Closed | 2025-03-28 09:14 | 2025-04-15 17:56 | Resolved | 1 - Information | C | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/15/2025 Ready for Review-Document Uploaded. Gap Credit - Seller-04/15/2025 Open-Borrower 1 Gap Credit Report is Missing • Provide GAP credit report as it is missing from file. The only credit report provided is the initial report dated 2/11/2025. - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-04/15/2025 | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/15/2025 | XX |  |  | FL | Primary Residence | Purchase | NA | XX | N/A | N/A
400100991 | XX | XX |  |  | Closed | 2025-03-28 09:17 | 2025-03-31 17:36 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-FHLMC UCDP/SSR received with a LCA score of 1.5 and is R&W eligible. - Due Diligence Vendor-03/31/2025 Ready for Review-Document Uploaded. XX SSR - Seller-03/31/2025 Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a FNMA or FHLMC UCDP/SSR report with a score less than 2.5, or the file needs an Appraisal Desk Review. - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. XX SSR - Seller-03/31/2025 | Resolved-FHLMC UCDP/SSR received with a LCA score of 1.5 and is R&W eligible. - Due Diligence Vendor-03/31/2025 | XX |  |  | FL | Primary Residence | Purchase | NA | XX | N/A | N/A
400100991 | XX | XX |  |  | Closed | 2025-03-28 10:22 | 2025-04-16 19:34 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-. - Due Diligence Vendor-04/16/2025 Resolved-The loan's (8.494%) APR equals or exceeds the Federal HPML threshold of (8.35%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.85%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 435 and the Final Closing disclosure on page # 302-306 reflects escrows. Rate lock date was entered correctly – see page # 455. An interior and exterior appraisal was completed for this property – see page # 37-66 and the appraisal disclosure was provided to the borrower(s)- see page # 34, 35, 36 and confirmation the appraisal was delivered to the borrower – see page # 34, 35, 36. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/28/2025 |  | Resolved-. - Due Diligence Vendor-04/16/2025 Resolved-The loan's (8.494%) APR equals or exceeds the Federal HPML threshold of (8.35%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.85%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 435 and the Final Closing disclosure on page # 302-306 reflects escrows. Rate lock date was entered correctly – see page # 455. An interior and exterior appraisal was completed for this property – see page # 37-66 and the appraisal disclosure was provided to the borrower(s)- see page # 34, 35, 36 and confirmation the appraisal was delivered to the borrower – see page # 34, 35, 36. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/28/2025 |  |  |  | FL | Primary Residence | Purchase | NA | XX | N/A | N/A
400100976 | XX | XX |  |  | Closed | 2025-03-28 10:41 | 2025-04-03 12:49 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable. 1031 Exchange for assets provided. - Due Diligence Vendor-04/03/2025 Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-04/03/2025 Ready for Review-Document Uploaded. 1031 Exchange for assets - Seller-04/02/2025 Open-Asset Record 2 Does Not Meet G/L Requirements We have Proceeds from Sale Funds for borrower amount $XXas per the final 1003 proof of document is missing in file, please provide. - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. 1031 Exchange for assets - Seller-04/02/2025 | Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable. 1031 Exchange for assets provided. - Due Diligence Vendor-04/03/2025 Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-04/03/2025 | XX |  |  | UT | Investment | Purchase | NA | XX | N/A | N/A
400100976 | XX | XX |  |  | Closed | 2025-04-01 00:02 | 2025-04-03 12:45 | Resolved | 1 - Information | C | A | Credit | Credit | Occupancy Certification; missing or deficient | Resolved-Occupancy cert filled out fully. - Due Diligence Vendor-04/03/2025 Ready for Review-Document Uploaded. Occupancy Cert - Seller-04/02/2025 Open-Occupancy certification is not filled out in the highlighted yellow portion on page 451 that say the sections must be filled out for investment properties as well as refinance only section. - Due Diligence Vendor-04/01/2025 | Ready for Review-Document Uploaded. Occupancy Cert - Seller-04/02/2025 | Resolved-Occupancy cert filled out fully. - Due Diligence Vendor-04/03/2025 | XX |  |  | UT | Investment | Purchase | NA | XX | N/A | N/A
400098315 | XX | XX |  |  | Closed | 2025-03-31 16:20 | 2025-04-02 12:19 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Updated final Hud and REspa page. - Due Diligence Vendor-04/02/2025 Ready for Review-Document Uploaded. Certified stamped final HUD1 - Seller-04/01/2025 Open-Based on 1008 borrower to receive XXX hud in file is showing over XXX. Need stamped and certified final hud - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. Certified stamped final HUD1 - Seller-04/01/2025 | Resolved-Updated final Hud and REspa page. - Due Diligence Vendor-04/02/2025 | XX |  |  | NJ | Investment | Refinance | Cash Out - Other | XX | N/A | N/A
400101005 | XX | XX |  |  | Closed | 2025-03-29 07:37 | 2025-04-02 20:19 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/02/2025 Ready for Review-Document Uploaded. Updated Fraud Report - Seller-04/02/2025 Open-Fraud Report Shows Uncleared Alerts Provide the updated fraud report, Fraud Report Shows Uncleared Alerts. - Due Diligence Vendor-03/29/2025 | Ready for Review-Document Uploaded. Updated Fraud Report - Seller-04/02/2025 | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/02/2025 | XX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A
400100994 | XX | XX |  |  | Closed | 2025-03-31 12:25 | 2025-04-03 17:58 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 4.43 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-04/03/2025 Resolved-February 2025 Bank Statement received. This statement has sufficient reserves to meet guidelines. Income was also recalculated on basis of the new bank statement. All info updated within the system. Audited Reserves of 4.43 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s). DTI still qualifies. Resolved. - Due Diligence Vendor-04/03/2025 Ready for Review-Document Uploaded. Updated business bank statement, 1008 & income calculations - Seller-04/03/2025 Open-• Per the 2/12/2025 Matrix for reserves: “All occupancies: <= 80%, 3 Mos.” This loan has a 73.71% LTV, so three months reserves are required. Reserves = $2,591.30 x 3 months = $7,773.45. Assets found in file are $977.96 (xx business account) + $5,999.41 (cash out = $6,977.37. Reserves are short by $796.08. - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. Updated business bank statement, 1008 & income calculations - Seller-04/03/2025 | Resolved-Audited Reserves of 4.43 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-04/03/2025 Resolved-February 2025 Bank Statement received. This statement has sufficient reserves to meet guidelines. Income was also recalculated on basis of the new bank statement. All info updated within the system. Audited Reserves of 4.43 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s). DTI still qualifies. Resolved. - Due Diligence Vendor-04/03/2025 | XX |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A
400100994 | XX | XX |  |  | Closed | 2025-03-31 06:15 | 2025-04-01 19:16 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-04/01/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/01/2025 Open-Fraud Report Shows Uncleared Alerts • xx document shows a total of 9 High alerts, only 8 of which were cleared; and 4 Medium alerts, none of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/01/2025 | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-04/01/2025 | XX |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A
400100994 | XX | XX |  |  | Closed | 2025-03-31 07:13 | 2025-04-03 17:59 | Resolved | 1 - Information | C | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-. - Due Diligence Vendor-04/03/2025 Resolved-The loan's (8.897%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’310, and the Final Closing disclosure on Pg#’158, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’ 331,316,128. An interior and exterior appraisal was completed for this property – see pg# 39, the appraisal disclosure was provided to the borrower(s)- see Pg#’37,36, and confirmation the appraisal was delivered to the borrower – see Pg#’37,36. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/31/2025 |  | Resolved-. - Due Diligence Vendor-04/03/2025 Resolved-The loan's (8.897%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’310, and the Final Closing disclosure on Pg#’158, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’ 331,316,128. An interior and exterior appraisal was completed for this property – see pg# 39, the appraisal disclosure was provided to the borrower(s)- see Pg#’37,36, and confirmation the appraisal was delivered to the borrower – see Pg#’37,36. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/31/2025 |  |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A
400100988 | XX | XX |  |  | Closed | 2025-04-01 14:40 | 2025-04-04 12:33 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-04/04/2025 Ready for Review-Document Uploaded. Final HUD1 signed by settlement agent - Seller-04/03/2025 Open-Final HUD-1 Document is Missing. Missing payoff amount to HUD need the stamped and certified final Hud - Due Diligence Vendor-04/01/2025 | Ready for Review-Document Uploaded. Final HUD1 signed by settlement agent - Seller-04/03/2025 | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-04/04/2025 | XX |  |  | OR | Investment | Refinance | Cash Out - Other | XX | N/A | N/A
400100988 | XX | XX |  |  | Closed | 2025-03-28 16:52 | 2025-04-04 10:29 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Supplemental Report uploaded, Title Coverage Amount of $521500 is equal to Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence Vendor-04/04/2025 Resolved-Title Coverage Amount of $xx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/04/2025 Ready for Review-Document Uploaded. Title Supp for correct loan amount - Seller-04/03/2025 Open-Title Coverage Amount of $XX is Less than Loan Amount Provide title document covering full loan m=amount as the one on file has coverage amount less than the loan amount. - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. Title Supp for correct loan amount - Seller-04/03/2025 | Resolved-Title Supplemental Report uploaded, Title Coverage Amount of $XX is equal to Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence Vendor-04/04/2025 Resolved-Title Coverage Amount of $XX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/04/2025 | XX |  |  | OR | Investment | Refinance | Cash Out - Other | XX | N/A | N/A
400100988 | XX | XX |  |  | Closed | 2025-03-28 17:26 | 2025-04-03 12:35 | Resolved | 1 - Information | C | A | Credit | Credit | DSCR unknown | Resolved-Updated DFL page and employment page. DSCR is in line. - Due Diligence Vendor-04/03/2025 Ready for Review-Document Uploaded. DSCR calculations - Seller-04/02/2025 Open-Audited DSCR is 1.095, which is based off the rent $5,000 / PITIA of $4,566.09 ($3,736.09 P&I + $750 Taxes + $80 Hazard Insurance + $0.00 Flood Insurance). Lender DSCR is 1.08. The difference in the DSCR calculation is 0.015. Provide Lender DSCR worksheet as it is missing from file, hence unable to validate lender calculations. - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. DSCR calculations - Seller-04/02/2025 | Resolved-Updated DFL page and employment page. DSCR is in line. - Due Diligence Vendor-04/03/2025 | XX |  |  | OR | Investment | Refinance | Cash Out - Other | XX | N/A | N/A
400100988 | XX | XX |  |  | Closed | 2025-03-28 16:42 | 2025-04-03 12:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-04/03/2025 Ready for Review-Document Uploaded. 1008 - Seller-04/02/2025 Open-The 1008 document is missing from the loan file. provide 1008 document as it is missing from file. - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. 1008 - Seller-04/02/2025 | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-04/03/2025 | XX |  |  | OR | Investment | Refinance | Cash Out - Other | XX | N/A | N/A
400100993 | XX | XX |  |  | Closed | 2025-04-01 15:45 | 2025-04-11 12:19 | Resolved | 1 - Information | C | A | Credit | Eligibility | Business Entity EIN Number Missing | Resolved-received correct EIN letter - resolved - Due Diligence Vendor-04/11/2025 Ready for Review-Document Uploaded. XX - EIN doc - Seller-04/10/2025 Counter-EIN Letter uploaded is not for XX - Due Diligence Vendor-04/08/2025 Ready for Review-Document Uploaded. EIN - Seller-04/07/2025 Counter-W-9 uploaded is same as in file, 5th digit not legible - Due Diligence Vendor-04/04/2025 Ready for Review-Document Uploaded. W-9 with EIN - Seller-04/03/2025 Open-Please provide Business Entity EIN. w-9 illegible - Due Diligence Vendor-04/01/2025 | Ready for Review-Document Uploaded. xx - EIN doc - Seller-04/10/2025 Ready for Review-Document Uploaded. EIN - Seller-04/07/2025 Ready for Review-Document Uploaded. W-9 with EIN - Seller-04/03/2025 | Resolved-received correct EIN letter - resolved - Due Diligence Vendor-04/11/2025 | XX |  |  | NJ | Investment | Refinance | Cash Out - Other | XX | N/A | N/A
400100993 | XX | XX |  |  | Closed | 2025-03-31 12:54 | 2025-04-08 12:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing VOM or VOR | Resolved-received VOR -resolved - Due Diligence Vendor-04/08/2025 Ready for Review-Document Uploaded. VOR - Seller-04/07/2025 Counter-Snippet of mortgage from a credit report does not connect to bwr 2. VOR or 12 months payment history required - Due Diligence Vendor-04/04/2025 Ready for Review-Document Uploaded. VOM - Seller-04/03/2025 Open-VOR/VOM Doc Status should not be 'Missing'. Borrower #2 is renting at their primary residence, provide VOR for 12 months rent history. - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. VOR - Seller-04/07/2025 Ready for Review-Document Uploaded. VOM - Seller-04/03/2025 | Resolved-received VOR -resolved - Due Diligence Vendor-04/08/2025 | XX |  |  | NJ | Investment | Refinance | Cash Out - Other | XX | N/A | N/A
400100993 | XX | XX |  |  | Closed | 2025-03-31 13:19 | 2025-04-04 10:45 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/04/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/04/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/03/2025 Open-Fraud Report Shows Uncleared Alerts Fraud report shows medium nd low uncleared alerts. Provide fraud report with all cleared alerts. - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/03/2025 | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/04/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/04/2025 | XX |  |  | NJ | Investment | Refinance | Cash Out - Other | XX | N/A | N/A
400100993 | XX | XX |  |  | Closed | 2025-03-31 13:12 | 2025-04-04 10:45 | Resolved | 1 - Information | C | A | Credit | Assets | Asset General | Resolved-Updated Final 1003 with Asset removed uploaded, Loan is qualified with Cash-Out Refinance , Verified & entered in system - Resolved - Due Diligence Vendor-04/04/2025 Ready for Review-Document Uploaded. Updated 1003 - Seller-04/03/2025 Open-Provide proof of documentation for asset XX stock account, XX stock account andXX checking account as they are missing from file. - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. Updated 1003 - Seller-04/03/2025 | Resolved-Updated Final 1003 with Asset removed uploaded, Loan is qualified with Cash-Out Refinance , Verified & entered in system - Resolved - Due Diligence Vendor-04/04/2025 | XX |  |  | NJ | Investment | Refinance | Cash Out - Other | XX | N/A | N/A
400100987 | XX | XX |  |  | Closed | 2025-04-02 05:00 | 2025-04-11 17:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Letter of Explanation (Assets) | Resolved-LOE provided. - Due Diligence Vendor-04/11/2025 Ready for Review-Document Uploaded. LOE - Seller-04/11/2025 Open-Non-Guarantor is on the joint bank statement provided (XX), however there is not a LOE in file granting permission to access the funds. - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. LOE - Seller-04/11/2025 | Resolved-LOE provided. - Due Diligence Vendor-04/11/2025 | XX |  |  | NJ | Investment | Purchase | NA | XX | N/A | N/A
400100973 | XX | XX |  |  | Closed | 2025-04-02 07:26 | 2025-04-07 19:55 | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Loan Disclosures Assumption incomplete or inaccurate | Resolved-Complete Final CD provided. Resolved. - Due Diligence Vendor-04/07/2025 Ready for Review-Document Uploaded. Final CD - Seller-04/07/2025 Open-In final CD, Borrower not answered to the assumption flag. - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. Final CD - Seller-04/07/2025 | Resolved-Complete Final CD provided. Resolved. - Due Diligence Vendor-04/07/2025 | XX |  |  | TX | Primary Residence | Purchase | NA | XX | N/A | N/A
400100973 | XX | XX |  |  | Closed | 2025-04-02 08:06 | 2025-04-07 19:54 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated 1003 provided. Resolved. - Due Diligence Vendor-04/07/2025 Resolved-The Final 1003 is Present - Due Diligence Vendor-04/07/2025 Ready for Review-Document Uploaded. Updated 1003 - Seller-04/07/2025 Open-The Final 1003 is Incomplete As per final 1003, REO property "XX" reflecting as pending for sale but 1008 included into DTI, if it's not closed required updated 1003 with correct occupied status, if closed required updated 1008 and credit supplement for closing proof. - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. Updated 1003 - Seller-04/07/2025 | Resolved-Updated 1003 provided. Resolved. - Due Diligence Vendor-04/07/2025 Resolved-The Final 1003 is Present - Due Diligence Vendor-04/07/2025 | XX |  |  | TX | Primary Residence | Purchase | NA | XX | N/A | N/A
400100973 | XX | XX |  |  | Closed | 2025-04-02 06:46 | 2025-04-07 19:54 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved- - Due Diligence Vendor-04/07/2025 Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/07/2025 Ready for Review-Document Uploaded. XX SSR - Seller-04/07/2025 Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Secondary Valuation or Additional Valuation report is missing from file. - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. XX SSR - Seller-04/07/2025 | Resolved- - Due Diligence Vendor-04/07/2025 Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/07/2025 | XX |  |  | TX | Primary Residence | Purchase | NA | XX | N/A | N/A
400100973 | XX | XX |  |  | Closed | 2025-04-02 07:13 | 2025-04-07 19:42 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Mortgage Statement/Payoff Statement provide. Resolved. - Due Diligence Vendor-04/07/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/07/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/07/2025 Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows uncleared alerts. - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/07/2025 | Resolved-Mortgage Statement/Payoff Statement provide. Resolved. - Due Diligence Vendor-04/07/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/07/2025 | XX |  |  | TX | Primary Residence | Purchase | NA | XX | N/A | N/A
400104433 | XX | XX |  |  | Closed | 2025-04-03 18:00 | 2025-04-10 19:11 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Intent to Proceed Disclosure provided. - Due Diligence Vendor-04/10/2025 Ready for Review-Document Uploaded. - Seller-04/08/2025 Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Missing Intent to Proceed document. - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. - Seller-04/08/2025 | Resolved-Intent to Proceed Disclosure provided. - Due Diligence Vendor-04/10/2025 | XX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A
400104433 | XX | XX |  |  | Closed | 2025-04-03 16:19 | 2025-04-10 19:04 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/10/2025 Ready for Review-Document Uploaded. - Seller-04/08/2025 Open-Housing History Does Not Meet Guideline Requirements Borrower living in property xx departing property) with active mortgage verified in credit report page#317 with months reviewed 7 months. Provide 12 months housing history per G/L's. - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. - Seller-04/08/2025 | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/10/2025 | XX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A
400104433 | XX | XX |  |  | Closed | 2025-04-03 15:24 | 2025-04-09 10:32 | Resolved | 1 - Information | C | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/09/2025 Resolved-Validation Resolved' - Due Diligence Vendor-04/09/2025 Ready for Review-Document Uploaded. - Seller-04/08/2025 Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Lender Income Calculation worksheet for Borrower1. - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. - Seller-04/08/2025 | Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/09/2025 Resolved-Validation Resolved' - Due Diligence Vendor-04/09/2025 | XX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A
400104433 | XX | XX |  |  | Closed | 2025-04-03 15:16 | 2025-04-08 10:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/08/2025 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/08/2025 Ready for Review-Document Uploaded. - Seller-04/07/2025 Open-Missing Third Party Fraud Report Provide Missing Third Party Fraud Report - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. - Seller-04/07/2025 | Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/08/2025 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/08/2025 | XX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A
400104449 | XX | XX |  |  | Closed | 2025-04-07 12:52 | 2025-04-21 13:19 | Resolved | 1 - Information | C | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-04/21/2025 Ready for Review-Document Uploaded. - Seller-04/17/2025 Counter-Nothing was attached. The Final 1003 is Incomplete Provide Updated 1003 with borrower 2nd job - XXis missing % of ownership. And missing negative cash flow being referenced on investment property. - Due Diligence Vendor-04/11/2025 Ready for Review-Document Uploaded. - Seller-04/10/2025 Open-The Final 1003 is Incomplete Provide Updated 1003 with borrower 2nd job - XX is missing % of ownership. And missing negative cash flow being referenced on investment property. - Due Diligence Vendor-04/07/2025 | Ready for Review-Document Uploaded. - Seller-04/17/2025 Ready for Review-Document Uploaded. - Seller-04/10/2025 | Resolved-The Final 1003 is Present - Due Diligence Vendor-04/21/2025 | XX |  |  | FL | Primary Residence | Purchase | NA | XX | N/A | N/A
400104449 | XX | XX |  |  | Closed | 2025-04-09 12:17 | 2025-04-09 12:37 | Resolved | 1 - Information | A | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved, COC referenced. - Due Diligence Vendor-04/09/2025 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: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-04/09/2025 |  | Resolved-Resolved, COC referenced. - Due Diligence Vendor-04/09/2025 |  |  |  | FL | Primary Residence | Purchase | NA | XX | N/A | N/A
400104449 | XX | XX |  |  | Closed | 2025-04-02 05:45 | 2025-04-09 12:18 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial LE received. - Due Diligence Vendor-04/09/2025 Ready for Review-Document Uploaded. - Seller-04/07/2025 Open-Initial Loan Estimate is missing. - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. - Seller-04/07/2025 | Resolved-Initial LE received. - Due Diligence Vendor-04/09/2025 | XX |  |  | FL | Primary Residence | Purchase | NA | XX | N/A | N/A
400100986 | XX | XX |  |  | Closed | 2025-04-03 04:10 | 2025-04-09 11:36 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Final Title Policy uploaded, Title Coverage Amount of $XX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved - Due Diligence Vendor-04/09/2025 Resolved-Title Coverage Amount of $XX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/09/2025 Ready for Review-Document Uploaded. Final Title Policy - Seller-04/08/2025 Open-Title Coverage Amount of $0 is Less than Loan Amount • Title Coverage amount not given on the Preliminary Title; it should be equal to the loan amount of $XX - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. Final Title Policy - Seller-04/08/2025 | Resolved-Final Title Policy uploaded, Title Coverage Amount of $XX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved - Due Diligence Vendor-04/09/2025 Resolved-Title Coverage Amount of $XX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/09/2025 | XX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A
400100986 | XX | XX |  |  | Closed | 2025-04-03 05:04 | 2025-04-08 18:49 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-04/08/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/08/2025 Open-Fraud Report Shows Uncleared Alerts • xx document shows a total of 2 Medium alerts, none of which were cleared; and 1 Low Alert, none of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/08/2025 | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-04/08/2025 | XX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A
400100986 | XX | XX |  |  | Closed | 2025-04-03 19:06 | 2025-04-08 18:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document has been corrected. - Due Diligence Vendor-04/08/2025 Ready for Review-Document Uploaded. 1008 - Seller-04/08/2025 Open-1008 Document is Missing • The Taxes & Insurance on the 1008 do not match the Final CD. Per the 1008, Taxes & Insurance were $454.30 & $186.92, respectively. Per the Final CD (escrowed), Taxes & Insurance were $181.67 & $195.67, respectively. The 1008 is incorrect. - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. 1008 - Seller-04/08/2025 | Resolved-The 1008 document has been corrected. - Due Diligence Vendor-04/08/2025 | XX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A
400100986 | XX | XX |  |  | Closed | 2025-04-03 04:49 | 2025-04-07 19:45 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-FHLMC UCDP/SSR received with an LCA score of 1.0. System updated. Resolved. - Due Diligence Vendor-04/07/2025 Ready for Review-Document Uploaded. FredXXdie SSR - Seller-04/07/2025 Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a FNMA or FHLMC UCDP/SSR report with a score less than 2.5, or the file needs an Appraisal Desk Review. - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. XX SSR - Seller-04/07/2025 | Resolved-FHLMC UCDP/SSR received with an LCA score of 1.0. System updated. Resolved. - Due Diligence Vendor-04/07/2025 | XX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A