Exhibit 99.28

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?

XXX

2023011031

Closed

XXX

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Coverage Amount is less than Required Coverage Amount

Resolved-Client provided Insurer's Replacement Cost.  Finding resolved.  - Due Diligence Vendor- XXX

Resolved-Hazard Insurance Coverage Amount of  XXX  is equal to or greater than Required Coverage Amount of  XXX .67 or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded.  - Seller- XXX

Open-Hazard Insurance Coverage Amount of  XXX  is less than Required Coverage Amount of  XXX  and Guaranteed Replacement Coverage indicator is 'No' The site value is  XXX 0 - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

xxxx

Primary Residence

Refinance

Cash Out - Other

128369

N/A

XXX

2023011024

Closed

XXX

Resolved

1 - Information

Credit

Missing Doc

Citizenship Documentation Not Provided

Resolved-Borrower 1 Citizenship Documentation Provided or Not Required Client provided LOX and updated 1003. Finding resolved. - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Resolved-Borrower 1 Citizenship Documentation Provided or Not Required Client provided LOX and updated 1003. Finding resolved. - Due Diligence Vendor- XXX

xxxx

Investment

Purchase

138907

N/A

XXX

2023011025

Closed

XXX

Resolved

1 - Information

Credit

Closing

Gap Credit Report Within 10 Days of Closing is Expired

Resolved-Gap Credit Report Date of 10-27-2021 is less than or equal to 10 days from Transaction Date of 09-23-2021 and Gap Report Doc Status is Present - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded.  - Seller- XXX

Open-Gap Credit Report Date of 09-02-2021 is greater than 10 days from Transaction Date of 09-23-2021 and Gap Report Doc Status is Present GAP credit report is > 10 days from closing - Due Diligence Vendor- XXX

Open-Gap Credit Report Date of 09-02-2021 is greater than 10 days from Transaction Date of 09-23-2021 and Gap Report Doc Status is Present - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Resolved-Gap Credit Report Date of 10-27-2021 is less than or equal to 10 days from Transaction Date of 09-23-2021 and Gap Report Doc Status is Present - Due Diligence Vendor- XXX

xxxx

Investment

Refinance

No Cash Out - Borrower Initiated

129458

N/A

XXX

2023011025

Closed

XXX

Resolved

1 - Information

Credit

Missing Doc

Missing credit report

Resolved-Credit Report is Provided - Due Diligence Vendor- XXX

Rescinded-Credit Report is Missing Missing initial credit report - Due Diligence Vendor- XXX

Investment

Refinance

No Cash Out - Borrower Initiated

129489

N/A

XXX

2023011025

Closed

XXX

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Executed 4506-T Missing

Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor- XXX

Rescinded- - Due Diligence Vendor- XXX

Ready for Review-Executed 4506_t is not required on a Bank Statement approval - Seller- XXX

Open-Borrower 1 Executed 4506-T Missing - Due Diligence Vendor- XXX

Ready for Review-Executed 4506_t is not required on a Bank Statement approval - Seller- XXX

Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor- XXX

Investment

Refinance

No Cash Out - Borrower Initiated

129444

N/A

XXX

2023011025

Closed

XXX

Resolved

1 - Information

Credit

Missing Doc

Missing VOM or VOR

Resolved-VOM received via bank statements and limited credit report.  - Due Diligence Vendor- XXX

Unable to Resolve-Incomplete VOM. Client provided bank statements do not provide payment history up to closing. Last payment verified XXX  and XXX . - Due Diligence Vendor- XXX

Unable to Resolve-Per client - Incomplete VOM. Client provided bank statements do not provide payment history up to closing. Last payment verified XXX  and XXX . - Due Diligence Vendor- XXX

Unable to Resolve-Incomplete VOM. Client provided bank statements do not provide payment history up to closing. Last payment verified XXX  and XXX . - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded.  - Seller- XXX

Counter-Incomplete VOM.  Client provided bank statements do not provide payment history up to closing.  Last payment verified XXX  and XXX .   - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. Please review all pages of the bank statements the statements were included in the original credit pkg  - Seller- XXX

Counter-Missing VOM on borrowers 2 mortgaged properties.  Refreshed credit only includes 1 month payment history on 1 loan. - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded.  - Seller- XXX

Open-Missing VOM on borrowers 2 mortgaged properties as not showing on expired GAP credit report - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded.  - Seller- XXX

Ready for Review-Document Uploaded. Please review all pages of the bank statements the statements were included in the original credit pkg  - Seller- XXX

Ready for Review-Document Uploaded.  - Seller- XXX

Resolved-VOM received via bank statements and limited credit report. - Due Diligence Vendor- XXX

xxxx

Investment

Refinance

No Cash Out - Borrower Initiated

129488

N/A

XXX

2023011025

Closed

XXX

Resolved

1 - Information

Credit

DTI discrepancy or failure.

Resolved-Client provided corrected 1008.  Finding resolved.  - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded.  - Seller- XXX

Open-No front ratio showing in diligence final look. 1008 has incorrect HOA dues of  XXX r month, should be  XXX r month. Incorrect monthly tax amount  - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Resolved-Client provided corrected 1008. Finding resolved. - Due Diligence Vendor- XXX

xxxx

Investment

Refinance

No Cash Out - Borrower Initiated

129601

N/A

XXX

2023011025

Closed

XXX

Resolved

1 - Information

Credit

Missing credit report

Resolved-Client provided Credit Report XXX  - Due Diligence Vendor- XXX

Resolved- - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded.  - Seller- XXX

Open-Missing initial credit report - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Resolved-Client provided Credit Report XXX - Due Diligence Vendor- XXX

xxxx

Investment

Refinance

No Cash Out - Borrower Initiated

129456

N/A

XXX

2023011025

Closed

XXX

Resolved

1 - Information

Credit

Doc Issue

Credit score not provided

Resolved-Client provided initial credit report dated XXX .  Finding resolved.  - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded.  - Seller- XXX

Open-NO credit scores showing on expired GAP credit   - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Resolved-Client provided initial credit report dated XXX . Finding resolved. - Due Diligence Vendor- XXX

xxxx

Investment

Refinance

No Cash Out - Borrower Initiated

129462

N/A

XXX

2023011023

Closed

XXX

Waived

2 - Non-Material

Credit

Income/Employment

Income/Employment General

Waived-Exception provided on page 2.
P&L done by the Borrower - Due Diligence Vendor- XXX

Compensating Factors:
- See 12 mos business bank statements, pays now and new payment is lower, R&T Refi of a primary residence. See 1008.
- 745 FICO
- Good Credit
- Has reserves (26.71 months reserves)

Primary Residence

Refinance

No Cash Out - Borrower Initiated

804562

Originator Pre-Close

Yes

XXX

2023011023

Closed

XXX

Resolved

1 - Information

Credit

Assets not properly documented/insufficient

Resolved-Client provided updated 1003.  Finding resolved.  - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded.  - Seller- XXX

Counter-Please provide updated 1003 to reflect correct calculated income of  XXX , per Income Worksheet and 1008.   - Due Diligence Vendor- XXX

Ready for Review-(Other) income was incorrectly marked. That amount is the borrower's regular business income. Please see attached income worksheet.  - Seller- XXX

Open-Assets of  XXX  (other) documentation missing, other than listed on Final 1003. Please provide. - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Ready for Review-(Other) income was incorrectly marked. That amount is the borrower's regular business income. Please see attached income worksheet. - Seller- XXX

Resolved-Client provided updated 1003. Finding resolved. - Due Diligence Vendor- XXX

xxxx

Primary Residence

Refinance

No Cash Out - Borrower Initiated

127864

N/A

XXX

2023011023

Closed

XXX

Resolved

1 - Information

Credit

Doc Issue

Transmittal (1008) is Missing

Resolved-1008 in file. Finding resolved. - Due Diligence Vendor- XXX

Ready for Review-Final 1008 is page 1 of the credit package. - Seller- XXX

Open-Final 1008 missing from documents. Please provide. - Due Diligence Vendor- XXX

Ready for Review-Final 1008 is page 1 of the credit package. - Seller- XXX

Resolved-1008 in file. Finding resolved. - Due Diligence Vendor- XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

127875

N/A

XXX

2023011032

Closed

XXX

Resolved

1 - Information

Credit

Missing Doc

Citizenship Documentation Not Provided

Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor- XXX

Open-Borrower 1 Citizenship Documentation Is Missing No documentation provided - Due Diligence Vendor- XXX

Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor- XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

143192

N/A

XXX

2023011032

Closed

XXX

Resolved

1 - Information

Credit

Income/Employment

Borrower 1 Tax Returns Not Signed

Resolved-Borrower 1 Tax Returns Are Signed - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Open-Borrower 1 Tax Returns Not Signed Tax returns are unsigned copies - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Resolved-Borrower 1 Tax Returns Are Signed - Due Diligence Vendor- XXX

xxxx

Primary Residence

Refinance

No Cash Out - Borrower Initiated

143335

N/A

XXX

2023011027

Closed

XXX

Resolved

1 - Information

Credit

Missing Doc

Citizenship Documentation Not Provided

Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor- XXX

Resolved-Client provided ITIN assignment and CA Drivers License to match CIP Form in file.  Finding resolved. - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded.  - Seller- XXX

Counter- - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. ITIN attached - Seller- XXX

Open-Borrower 1 Citizenship Documentation Is Missing Have borrower's drivers license  page 43.  However citizenship documents are missing from the file.   - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Ready for Review-Document Uploaded. ITIN attached - Seller- XXX

xxxx

Primary Residence

Purchase

141639

N/A

XXX

2023011029

Closed

XXX

Resolved

1 - Information

Compliance

Right to Rescind

TILA Right of Rescission Test

Resolved-PCCD Entered. CE Minimal. Finding resolved. - Due Diligence Vendor- XXX
Resolved-Resolved - Due Diligence Vendor- XXX
Rescinded-The closing date is  XXX  which is the Notary date of the DOT. The borrower was given 3 days to cancel the transaction (  XXX    XXX  and  XXX ) .
Finding is rescinded.  - Due Diligence Vendor- XXX
Ready for Review-Document Uploaded. Funds disbursed  XXX  - Seller- XXX
Open-This loan failed the TILA right of rescission test.

Closed-end ( 12 CFR §1026.23(a)(3) , transferred from  12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from  12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.

The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.
***ROR, page xxx, reflects transaction date  XXX  with cancel by date  XXX .  Per Notary Date, transaction date is  XXX .  Please provide a corrected ROR with Borrower initials recognizing date changes and borrower signature.*** - Due Diligence Vendor- XXX
Open-This loan failed the TILA right of rescission test.

Closed-end ( 12 CFR §1026.23(a)(3) , transferred from  12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from  12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.

The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. Funds disbursed XXX - Seller- XXX

xxxx

Primary Residence

Refinance

Cash Out - Other

142512

N/A

XXX

2023011029

Closed

XXX

Resolved

1 - Information

Credit

Title

Property Title Issue

Resolved-Property Title Issue Resolved - Due Diligence Vendor- XXX
Resolved-Settlement statement received showing Judgement was paid off at closing - Due Diligence Vendor- XXX
Ready for Review-Document Uploaded. Shows payoff to xxx Partners LLC - Seller- XXX
Open-Property Title Issue There is a Judgment against the borrower on the title commitment See Page 410 #8 not paid at closing - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. Shows payoff to EBF Partners LLC - Seller- XXX

Resolved-Property Title Issue Resolved - Due Diligence Vendor- XXX

Resolved-Settlement statement received showing Judgement was paid off at closing - Due Diligence Vendor- XXX

xxxx

Primary Residence

Refinance

Cash Out - Other

141748

N/A

XXX

2023011019

Closed

XXX

Waived

2 - Non-Material

Credit

DTI (Back) Ratio does not meet eligibility requirement(s)

Waived-Exception received for DTI of 51.02 - Due Diligence Vendor- XXX

Resolved-Exception received for DTI of 51.02 - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded.  - Seller- XXX

Open-Lender Exception on page 5 states:
DTi is 51% not 50
compensating factors: Full Doc Income, Good Residual, 706 FICO 68.4% LTV - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Waived-Exception received for DTI of 51.02 - Due Diligence Vendor- XXX

Resolved-Exception received for DTI of 51.02 - Due Diligence Vendor- XXX

xxxx

Full doc income, good residual (currently XXX 5), 706 FICO

Primary Residence

Refinance

No Cash Out - Borrower Initiated

144087

Originator Post-Close

Yes

XXX

2023011019

Closed

XXX

Resolved

1 - Information

Credit

Borrower

Borrower 1 Ethnicity Selection is Not Provided

Resolved-Borrower 1 Ethnicity Selection is Provided - Due Diligence Vendor- XXX

Resolved-Received revised 1003 with demographic info completed.  - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. Document Uploaded.  - Seller- XXX

Open-Borrower 1 Ethnicity Selection is Not Provided Borrower 1 Ethnicity, Gender and Race selections are all missing on both page 12 of the Initial Application and page 25 of the Final Application. Please provide a corrected Final. - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. Document Uploaded. - Seller- XXX

Resolved-Borrower 1 Ethnicity Selection is Provided - Due Diligence Vendor- XXX

Resolved-Received revised 1003 with demographic info completed. - Due Diligence Vendor- XXX

xxxx

Primary Residence

Refinance

No Cash Out - Borrower Initiated

143821

N/A

XXX

2023011019

Closed

XXX

Resolved

1 - Information

Credit

Borrower

Borrower 1 Gender Selection is Not Provided

Resolved-Borrower 1 Gender Selection is Provided - Due Diligence Vendor- XXX

Rescinded-Borrower 1 Gender Selection is Not Provided Addressed in other Finding. - Due Diligence Vendor- XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

143822

N/A

XXX

2023011019

Closed

XXX

Resolved

1 - Information

Credit

Borrower

Borrower 1 Race Selection is Not Provided

Resolved-Borrower 1 Race Selection is Provided - Due Diligence Vendor- XXX

Rescinded-Borrower 1 Race Selection is Not Provided Addressed in other Finding. - Due Diligence Vendor- XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

143823

N/A

XXX

2023011030

Closed

XXX

Resolved

1 - Information

Credit

Data

Qualifying LTV % does not match 1008 Page LTV %.

Resolved-The Diligence Final Look Page Qualifying LTV matches the 1008 Page Qualifying LTV. - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded.  - Seller- XXX

Open-The Diligence Final Look Page Qualifying LTV is  XXX  but the 1008 Page Qualifying LTV is  XXX . Please confirm the correct qualifying property value flag was chosen. Need updated 1008. Current one has the loan amount for 413,000. The LTV calculation was used with the prior loan amount. - Due Diligence Vendor- XXX

Open-The Diligence Final Look Page Qualifying LTV is  XXX  but the 1008 Page Qualifying LTV is  XXX .  Please confirm the correct qualifying property value flag was chosen. - Due Diligence Vendor- XXX

Open-The Diligence Final Look Page Qualifying LTV is  XXX  but the 1008 Page Qualifying LTV is  XXX .  Please confirm the correct qualifying property value flag was chosen. Need updated 1008.  Current one has the loan amount for 413,000.  The LTV calculation was used with the prior loan amount.   - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Resolved-The Diligence Final Look Page Qualifying LTV matches the 1008 Page Qualifying LTV. - Due Diligence Vendor- XXX

xxxx

Primary Residence

Refinance

No Cash Out - Borrower Initiated

153220

N/A

XXX

2023011033

Closed

XXX

Waived

2 - Non-Material

Credit

DSCR Does Not Meet Guideline Requirements

Waived-DSCR + is 1 million. This is 1.2 million - Due Diligence Vendor- XXX

Open- - Due Diligence Vendor- XXX

Waived-DSCR + is 1 million. This is 1.2 million - Due Diligence Vendor- XXX

Subject property has a good cash flow. Has 3 year PP, and borrower has good credit score(722) Cash out an investment property with a good cash flow.

Investment

Refinance

Cash Out - Other

804335

Originator Pre-Close

Yes

XXX

2023011033

Closed

XXX

Resolved

1 - Information

Compliance

Missing Doc

Final HUD-1 Document is Missing

Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Open-Final HUD-1 Document is Missing Please provide final hud 1 with closing costs and fees. Thank you - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor- XXX

xxxx

Investment

Refinance

Cash Out - Other

155014

N/A

XXX

2023011018

Closed

XXX

Waived

2 - Non-Material

Credit

Closing

Gap Credit Report Within 10 Days of Closing is Expired

Waived-GAP Report greater than 10 days from transaction - Due Diligence Vendor- XXX

Waived- - Due Diligence Vendor- XXX

Resolved-Client provided Exception Letter for GAP Credit > 10 days from closing.  Finding resolved.  - Due Diligence Vendor- XXX

Resolved-Exception allowing for GAP credit > 10 days from closing.   - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded.  - Seller- XXX

Open-Gap Credit Report Date of 10-14-2021 is greater than 10 days from Transaction Date of 10-26-2021 and Gap Report Doc Status is Present Gap Credit Report Date of 10-14-2021, page 620 cr,  is greater than 10 days from Transaction Date of 10-26-2021 and Gap Report Doc Status is Present - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Waived-GAP Report greater than 10 days from transaction - Due Diligence Vendor- XXX

Resolved-Client provided Exception Letter for GAP Credit > 10 days from closing.  Finding resolved.  - Due Diligence Vendor- XXX

Resolved-Exception allowing for GAP credit > 10 days from closing.   - Due Diligence Vendor- XXX

xxxx

Low LTV: 50% , reserves via cash out. (320,024.84)

Primary Residence

Refinance

Cash Out - Other

158928

Originator Post-Close

Yes

XXX

2023011018

Closed

XXX

Resolved

1 - Information

Compliance

Right to Rescind

TILA Right of Rescission Test

Resolved-Client provided PCCD, 12/1/2021 with disbursement date 11/1/2021.
ROR Cancel  XXX  date is prior to disbursement date. PCCD entered and CE re-ran.  Finding resolved.  - Due Diligence Vendor- XXX

Resolved-Right to Cancel transaction date is  XXX  ( closing date ) and the cancel date is  XXX . Borrower has untik   XXX  midnight to cancel.  PCCD issued 12/1/2021  with new disbursement date 11/1/2021. Cancel date is before the disbursement date.
PCCD entered in TRID Disclosure Header and CE re-ran.  - Due Diligence Vendor- XXX

Resolved-This loan failed the TILA right of rescission test.

Closed-end ( 12 CFR §1026.23(a)(3) , transferred from  12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from  12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.

The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor- XXX

Resolved-This loan failed the TILA right of rescission test.

Closed-end ( 12 CFR §1026.23(a)(3) , transferred from  12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from  12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.

The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Right to Cancel transaction date is  XXX  ( closing date ) and the cancel date is  XXX . Borrower has untik   XXX  midnight to cancel.  PCCD issued 12/1/2021  with new disbursement date 11/1/2021. Cancel date is before the disbursement date.
PCCD entered in TRID Disclosure Header and CE re-ran.  - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. Recission date is up midnight 10/26, disbursement date 11/1 - no recission violation - Seller- XXX

Open-This loan failed the TILA right of rescission test.

Closed-end ( 12 CFR §1026.23(a)(3) , transferred from  12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from  12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.

The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Final CD  XXX , page 670, reflect Closing Date  XXX  and Disbursement Date  XXX .  Please provide updated PCCD to reflect correct Closing date  XXX  with updated disbursement date and per diems.   - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. Recission date is up midnight 10/26, disbursement date 11/1 - no recission violation - Seller- XXX

xxxx

Primary Residence

Refinance

Cash Out - Other

159633

N/A

XXX

2023011034

Closed

XXX

Waived

2 - Non-Material

Credit

Closing

Gap Credit Report Within 10 Days of Closing is Expired

Waived- - Due Diligence Vendor- XXX

Resolved-Client provided exception Gap credit report not within 10 days of closing  - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded.  - Seller- XXX

Open-Gap Credit Report Date of 10-19-2021 is greater than 10 days from Transaction Date of 10-30-2021 and Gap Report Doc Status is Present The loan closed on  XXX  an updated Gap Credit report was needed - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Resolved-Client provided exception Gap credit report not within 10 days of closing - Due Diligence Vendor- XXX

xxxx

65% LTV, 714 Fico, 400K cash -out for reserves

Investment

Refinance

Cash Out - Other

163347

Originator Pre-Close

Yes

XXX

2023011035

Closed

XXX

Waived

2 - Non-Material

Credit

Closing

Gap Credit Report Within 10 Days of Closing is Expired

Waived-Received exception for the gap report being greater than 10 days.
- Due Diligence Vendor- XXX

Waived-Received exception for the gap report being greater than 10 days.
- Due Diligence Vendor- XXX

Waived- - Due Diligence Vendor- XXX

Resolved-Received exception for the gap report being greater than 10 days.   - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded.  - Seller- XXX

Open-Gap Credit Report Date of 11-22-2021 is greater than 10 days from Transaction Date of 12-06-2021 and Gap Report Doc Status is Present Missing Gap Report, there is a supplemental report showing amounts for the Mortgages in file, but not other liabilities. - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

xxxx

Low LTV ( XXX ) , High FICO (FICO 772)

Primary Residence

Refinance

No Cash Out - Borrower Initiated

217988

Originator Pre-Close

Yes

XXX

2023011035

Closed

XXX

Cured

2 - Non-Material

Compliance

TRID

Charges That Cannot Increase Test

Cured-A check of  XXX s paid to borrower as a cure to compensate for the increase in appraisal fee at closing - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded.  - Seller- XXX

Counter-The increase/addition to the following fee(s) was not accepted because a valid reason was not provided: CD  XXX  and Final CD  XXX  Appraisal Fee from  XXX o  XXX A cost to cure in the amount of  XXX  is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). - Due Diligence Vendor- XXX

Counter-The increase/addition to the following fee(s) was not accepted because a valid reason was not provided: CD  XXX  and Final CD  XXX  Appraisal Fee from  XXX o  XXX   A cost to cure in the amount of  XXX  is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. Initial LE shows Appraisal fee at  XXX s does the rate lock CIC, where is the discrepancy? - Seller- XXX

Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is  XXX .Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Missing valid change of circumstance for the increase in appraisal fee on the initial closing disclosure. - Due Diligence Vendor- XXX

Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is  XXX .Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Ready for Review-Document Uploaded. Initial LE shows Appraisal fee at XXX s does the rate lock CIC, where is the discrepancy? - Seller- XXX

Cured-A check of XXX s paid to borrower as a cure to compensate for the increase in appraisal fee at closing - Due Diligence Vendor- XXX

xxxx

Primary Residence

Refinance

No Cash Out - Borrower Initiated

211549

N/A

XXX

2023011035

Closed

XXX

Resolved

1 - Information

Credit

DTI discrepancy or failure.

Resolved-Updated 1003 and 1008 received - Due Diligence Vendor- XXX
Ready for Review-Document Uploaded. see updated 1003 & 1008 - Seller- XXX
Open-Some liabilities are missing in the credit report. Hence, DTI not Match.
REV xxxx #xxxx  XXX V   XXX V xxx #xxx  XXX en account xxx #xxx  XXX , REV xxx Refresh #xxx  XXX Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. see updated 1003 & 1008 - Seller- XXX

Resolved-Updated 1003 and 1008 received - Due Diligence Vendor- XXX

xxxx

Primary Residence

Refinance

No Cash Out - Borrower Initiated

211498

N/A

XXX

2023011038

Closed

XXX

Resolved

1 - Information

Compliance

Missing Doc

Final HUD-1 Document is Missing

Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded.  - Seller- XXX

Open-Final HUD-1 Document is Missing Executed final Hud1/Settlement Statement missing from the file. - Due Diligence Vendor- XXX

Open-Final HUD-1 Document is Missing - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor- XXX

xxxx

Investment

Purchase

211098

N/A

XXX

2023011039

Closed

XXX

Waived

2 - Non-Material

Credit

CLTV/LTV exceeds guidelines

Waived-Exception on file for LTV being over 70% for a cashout loan - Due Diligence Vendor- XXX

Waived-pg 31 - Due Diligence Vendor- XXX

Waived-cash out above 70% (75%) - Due Diligence Vendor- XXX

DSCR over 1 (1.05 currently), high level of reserves (22 months currently)

Investment

Refinance

Cash Out - Other

808992

Originator Pre-Close

Yes

XXX

2023011039

Closed

XXX

Resolved

1 - Information

Compliance

Missing Doc

Final HUD-1 Document is Missing

Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor- XXX

Resolved-Documentation provided as requested. Finding resolved.
- Due Diligence Vendor- XXX

Ready for Review-Document Uploaded.  - Seller- XXX

Open-Final HUD-1 Document is Missing Executed Final HUD-1/Settlement Statement is missing from the file, please provide - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor- XXX

Resolved-Documentation provided as requested. Finding resolved.
- Due Diligence Vendor- XXX

xxxx

Investment

Refinance

Cash Out - Other

210582

N/A

XXX

2023011039

Closed

XXX

Resolved

1 - Information

Credit

Missing Doc

Missing Gap Credit Report

Resolved-This is a DSCR investment. Per GL's, a gap credit report is required within 10 days of closing. (Not Required on DSCR Investment) - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. GAP Credit report is not required on DSCR Investment program - Seller- XXX

Open-Gap Credit Report is Missing - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. GAP Credit report is not required on DSCR Investment program - Seller- XXX

Resolved-This is a DSCR investment. Per GL's, a gap credit report is required within 10 days of closing. (Not Required on DSCR Investment) - Due Diligence Vendor- XXX

xxxx

Investment

Refinance

Cash Out - Other

210365

N/A

XXX

2023011037

Closed

XXX

Resolved

1 - Information

Credit

Residency

Resolved-ITIN program only requires evidence of ITIN not residency - Due Diligence Vendor- XXX

Ready for Review-ITIN program only requires evidence of ITIN not residency - Seller- XXX

Open-The Final 1003 for each borrower indicates Permanent Resident Alien. UW indicated documents missing. Please provide residency documents or updated Final 1003 for each borrower. - Due Diligence Vendor- XXX

Ready for Review-ITIN program only requires evidence of ITIN not residency - Seller- XXX

Resolved-ITIN program only requires evidence of ITIN not residency - Due Diligence Vendor- XXX

Primary Residence

Purchase

337209

N/A

XXX

2023011037

Closed

XXX

Resolved

1 - Information

Compliance

TRID CD disclosure violation; Closing Disclosure is missing the Mortgage Lender's NMLS ID.

Resolved-Client provided updated F1003 to include lender NMLS. Finding resolved. - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Open-This loan was originated by the Lender, however the NMLS ID number is not documented under the contact information portion of the Final CD. - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Resolved-Client provided updated F1003 to include lender NMLS. Finding resolved. - Due Diligence Vendor- XXX

xxxx

Primary Residence

Purchase

214227

N/A

XXX

2023011052

Closed

XXX

Resolved

1 - Information

Compliance

Closing

Note Indicates Prepayment Penalty but CD Does Not Indicate a Prepayment Penalty

Resolved-Client provided CD which includes Prepayment penalty.  Updated data points.  Finding resolved.  - Due Diligence Vendor- XXX

Resolved-The Note and CD Prepayment Penalty Issue Resolved - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. Please see attached. CD shows YES for prepayment penalty - Seller- XXX

Open-Note Indicates Prepayment Penalty but CD Does Not Indicate a Prepayment Penalty - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. Please see attached. CD shows YES for prepayment penalty - Seller- XXX

xxxx

Investment

Refinance

Cash Out - Other

229638

N/A

XXX

2023011060

Closed

XXX

Resolved

1 - Information

Compliance

Points & Fees

Reimbursement Amount Validation Test

Resolved-Client provided COC for increases. Finding resolved. - Due Diligence Vendor- XXX

Rescinded-. - Due Diligence Vendor- XXX

Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor- XXX

Resolved-Client provided COC for increases. Finding resolved. - Due Diligence Vendor- XXX

Rescinded-. - Due Diligence Vendor- XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

233837

N/A

XXX

2023011060

Closed

XXX

Resolved

1 - Information

Compliance

Disclosure

Consummation or Reimbursement Date Validation Test

Resolved-Resolved - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded.  - Seller- XXX

Open-Transfer Taxes Fee Increase There is no COC Please Provide it   - Due Diligence Vendor- XXX

Open- - Due Diligence Vendor- XXX

Rescinded-. - Due Diligence Vendor- XXX

Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Resolved-Resolved - Due Diligence Vendor- XXX

Rescinded-. - Due Diligence Vendor- XXX

xxxx

Primary Residence

Refinance

No Cash Out - Borrower Initiated

233839

N/A

XXX

2023011060

Closed

XXX

Resolved

1 - Information

Compliance

TRID

Charges That Cannot Increase Test

Resolved-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is  XXX 00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Client provided COC for increases.  Finding resolved.  - Due Diligence Vendor- XXX

Resolved-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is  XXX 00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor- XXX

Ready for Review-uploaded LE and COC to clear - Seller- XXX

Open-Transfer Taxes Fee Increase There is no COC Please Provide it   - Due Diligence Vendor- XXX

Open-There Is No COC On Transfer Tax Which Was In Intimal LE Fee Was 9466 But it Increase  XXX . In Revived LE Dated On 11-29-2021.Please Provided COC on This fee. - Due Diligence Vendor- XXX

Ready for Review-uploaded LE and COC to clear - Seller- XXX

Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX 00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Client provided COC for increases. Finding resolved. - Due Diligence Vendor- XXX

Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX 00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor- XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

233840

N/A

XXX

2023011057

Closed

XXX

Waived

2 - Non-Material

Credit

Appraisal deficiency.

Waived-Per client, Appraiser is refusing to change to owner occupied -see email.  XXX  validated will be primary res, exception received from client which stipulates Appraisal marked Tenant Occupied.( XXX  validated will be primary res) Also in file is occupancy certificate from borrower denoting primary residence.
- Due Diligence Vendor- XXX

Resolved-Per client, Appraiser is refusing to change to owner occupied -see email.  XXX  validated will be primary res, exception received from client which stipulates Appraisal marked Tenant Occupied.( XXX  validated will be primary res) Also in file is occupancy certificate from borrower denoting primary residence.  - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. Appraiser is refusing to change to owner occupied -see email.  XXX  validated will be primary res. - Seller- XXX

Open-Appraiser marked this as tenant occupied, on 1008 buyer states will be primary residence  - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. Appraiser is refusing to change to owner occupied -see email. XXX validated will be primary res. - Seller- XXX

xxxx

Residual Income > XXX Currently XXX 66 )
Excess Reserves 3+ months ( Currently 188 )

Primary Residence

Purchase

244152

Originator Post-Close

Yes

XXX

2023011057

Closed

XXX

Resolved

1 - Information

Credit

Doc Issue

Missing income documentation (ATR)

Resolved-Client provided updated 1008.   Finding resolved.  - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded.  - Seller- XXX

Open-Income  on the final 1008 is at 43,294.29.  Based off income calculation page. 137 monthly income is at 39,290.36.   - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Resolved-Client provided updated 1008. Finding resolved. - Due Diligence Vendor- XXX

xxxx

Primary Residence

Purchase

244088

N/A

XXX

2023011056

Closed

XXX

Resolved

1 - Information

Credit

DTI discrepancy or failure.

Resolved-Client Provided documentation of updated income.  - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded.  - Seller- XXX

Counter-Need final income of  XXX .03 showing on income worksheet removed and replaced with  XXX .06. Thanks - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. 12 mos total is  XXX 06 (the w/s is showing for 24 months /unable to change formula) the  XXX was used since it was the initial 1003 inc -per  XXX  guidelines this figure should be used. - Seller- XXX

Open- - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Ready for Review-Document Uploaded. 12 mos total is XXX 06 (the w/s is showing for 24 months /unable to change formula) the XXX was used since it was the initial 1003 inc -per XXX guidelines this figure should be used. - Seller- XXX

Resolved-Client Provided documentation of updated income. - Due Diligence Vendor- XXX

xxxx

Primary Residence

Purchase

257524

N/A

XXX

2023011056

Closed

XXX

Resolved

1 - Information

Credit

Eligibility

All Interested Parties Not Checked with Exclusionary Lists

Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor- XXX

Resolved-All interest parties screened thru OFAC - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded.  - Seller- XXX

Open-All Interested Parties Not Checked with Exclusionary Lists Title company and closer, HOI, Credit reporting agency, Clear capital review appraiser, Buyer and seller real estate companies as well as buyer and seller agents not screened.  - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor- XXX

Resolved-All interest parties screened thru OFAC - Due Diligence Vendor- XXX

xxxx

Primary Residence

Purchase

257452

N/A

XXX

2023011056

Closed

XXX

Resolved

1 - Information

Credit

Missing Doc

Missing evidence of self employment

Resolved-Per client- XXX Guidelines, Loan program was 12 mos PERSONAL bank stmt. Business narrative is not required. - Due Diligence Vendor- XXX

Ready for Review-Per XXX Guidelines, Loan program was 12 mos PERSONAL bank stmt. Business narrative is not required. - Seller- XXX

Open-Missing Business narrative - Due Diligence Vendor- XXX

Ready for Review-Per XXX Guidelines, Loan program was 12 mos PERSONAL bank stmt. Business narrative is not required. - Seller- XXX

Resolved-Per client- XXX Guidelines, Loan program was 12 mos PERSONAL bank stmt. Business narrative is not required. - Due Diligence Vendor- XXX

Primary Residence

Purchase

257243

N/A

XXX

2023011053

Closed

XXX

Resolved

1 - Information

Credit

Hazard Insurance coverage does not include Business Interruption / Rent-Loss Coverage

Resolved-Client provided hazard insurance document uploaded resolved - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Open-Hazard Policy Loss of rent is not added to the policy on page 61cr - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Resolved-Client provided hazard insurance document uploaded resolved - Due Diligence Vendor- XXX

xxxx

Investment

Purchase

261208

N/A

XXX

2023011053

Closed

XXX

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Coverage Amount is less than Required Coverage Amount

Resolved-Client provided hazard insurance document uploaded resolved  - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. RCE supports dwelling coverage. - Seller- XXX

Open-Hazard Insurance Coverage Amount of  XXX  is less than Required Coverage Amount of  XXX 0 and Guaranteed Replacement Coverage indicator is 'N/A' Hazard Insurance Coverage Amount of  XXX  is less than Required Coverage Amount of  XXX 0 Please provided sufficient hazard coverage. - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. RCE supports dwelling coverage. - Seller- XXX

Resolved-Client provided hazard insurance document uploaded resolved - Due Diligence Vendor- XXX

xxxx

Investment

Purchase

261296

N/A

XXX

2023010616

Closed

XXX

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Coverage Amount is less than Required Coverage Amount

Resolved-Client provided declaration page reflecting coverage that meets guidelines. This finding is resolved. - Due Diligence Vendor- XXX

Resolved-Hazard Insurance Coverage Amount of  XXX  is equal to or greater than Required Coverage Amount of  XXX  or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. Pls note the RCE (Replacement Cost Estimator) in file shows  XXX 2 which sows the Bwr has enough Insurance coverage. No other info is req'd - Seller- XXX

Open-Hazard Insurance Coverage Amount of  XXX  is less than Required Coverage Amount of  XXX  and Guaranteed Replacement Coverage indicator is 'No' Coverage amount les than loan amount. Please provide document with sufficient coverage. - Due Diligence Vendor- XXX

Open-Hazard Insurance Coverage Amount of  XXX  is less than Required Coverage Amount of  XXX  and Guaranteed Replacement Coverage indicator is 'No' - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. Pls note the RCE (Replacement Cost Estimator) in file shows XXX 2 which sows the Bwr has enough Insurance coverage. No other info is req'd - Seller- XXX

xxxx

Primary Residence

Purchase

290880

N/A

XXX

2023010616

Closed

XXX

Resolved

1 - Information

Compliance

TRID

TRID Lender's and Owner's Title Insurance Policy Amounts Validation Test

Resolved-Resolved - Due Diligence Vendor- XXX

Open-This loan failed the TRID Lender's and Owner's Title Insurance Policy Amounts validation test.This loan contains a value for one, but not both of the following fields:As Disclosed Lender's Title Insurance Policy and Actual Lender's Title Insurance Policy; orAs Disclosed Owner's Title Insurance Policy and Actual Owner's Title Insurance Policy.The CFPB's Official Interpretations to the TILA-RESPA Integrated Disclosure (TRID) Final Rule requires the use of a specific calculation to arrive at the value to be provided on the disclosure forms. The Lender's Title Insurance Policy is always disclosed as the full policy amount, even if a simultaneous issue of the Owner's Title Insurance Policy is present. The Owner's Title Insurance Policy is calculated by taking the full owner's title insurance premium, adding the simultaneous issuance premium for the lender's coverage (if any), and then deducting the full premium for the lender's coverage. The value derived from this calculation is required for accurate tolerance testing under TRID, and should be entered in the "as disclosed" field in ComplianceAnalyzer.The "as disclosed" value derived from the above calculation, however, generally will not be representative of the actual value paid for the title insurance. Therefore it cannot be used for testing state and federal fee thresholds, as it will likely yield incorrect results for such tests. Accordingly, the actual value paid for the title insurance must be entered in the corresponding "actual" title insurance policy field(s). If there is no difference between the actual and disclosed values for either the owner's or lender's title insurance, please enter the same value in the "actual" and "as disclosed" fields. For more information on how these fields are used, please refer to the glossary. - Due Diligence Vendor- XXX

Resolved-Resolved - Due Diligence Vendor- XXX

Primary Residence

Purchase

284042

N/A

XXX

2023010616

Closed

XXX

Resolved

1 - Information

Compliance

Points & Fees

Reimbursement Amount Validation Test

Resolved-Resolved - Due Diligence Vendor- XXX

Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. No valid CIC in file to validate change in Third party processing fees and State/Tax Stamps. Please provide change in circumstances document. - Due Diligence Vendor- XXX

Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor- XXX

Resolved-Resolved - Due Diligence Vendor- XXX

Primary Residence

Purchase

284043

N/A

XXX

2023010616

Closed

XXX

Resolved

1 - Information

Compliance

Disclosure

Consummation or Reimbursement Date Validation Test

Resolved-Resolved - Due Diligence Vendor- XXX

Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. No valid CIC in file to validate change in Third party processing fees and State/Tax Stamps. Please provide change in circumstances document. - Due Diligence Vendor- XXX

Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor- XXX

Resolved-Resolved - Due Diligence Vendor- XXX

Primary Residence

Purchase

284044

N/A

XXX

2023010616

Closed

XXX

Resolved

1 - Information

Compliance

TRID

Charges That Cannot Increase Test

Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX 75.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor- XXX

Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX 75.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). No valid CIC in file to validate change in Third party processing fees and State/Tax Stamps. Please provide change in circumstances document. - Due Diligence Vendor- XXX

Primary Residence

Purchase

284045

N/A

XXX

2023010617

Closed

XXX

Waived

2 - Non-Material

Credit

Eligibility

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

Waived-Document Uploaded. Audited Reserves of 5 month(s) are less than Guideline Required Reserves of 6 month(s), exception has been received.
- Due Diligence Vendor- XXX

Rescinded-Audited Reserves of 5 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor- XXX

xxxx

DTI at XXX , payment shock is at 0%, Residual Income at $8715

Primary Residence

Purchase

809566

Originator Post-Close

Yes

XXX

2023010617

Closed

XXX

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Hazard Insurance Effective Date of 12-30-2021 is prior to or equal to the Note Date of 12-30-2021 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Open-Hazard Insurance Effective Date of 12-31-2021 is after the Note Date of 12-30-2021 - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Resolved-Hazard Insurance Effective Date of 12-30-2021 is prior to or equal to the Note Date of 12-30-2021 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor- XXX

xxxx

Primary Residence

Purchase

283624

N/A

XXX

2023010617

Closed

XXX

Resolved

1 - Information

Compliance

Points & Fees

TILA APR Test

Resolved-This loan failed the TILA APR test.
( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) )
The annual percentage rate (APR) is 7.107%. The disclosed APR of 6.945% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. - Due Diligence Vendor- XXX

Primary Residence

Purchase

317444

N/A

XXX

2023010617

Closed

XXX

Resolved

1 - Information

Compliance

Points & Fees

TILA Finance Charge Test

Resolved-This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) )The finance charge is XXX 6.22. The disclosed finance charge of XXX 6.22 is not considered accurate because it is understated by more than XXX Due Diligence Vendor- XXX

Primary Residence

Purchase

317445

N/A

XXX

2023010617

Closed

XXX

Resolved

1 - Information

Compliance

TRID

Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test

Resolved-This loan failed the revised closing disclosure delivery date test (waiting period required).( 12 CFR §1026.19(f)(2)(ii) )The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §1026.38(o)(4) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §1026.38(a)(5)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. - Due Diligence Vendor- XXX

Primary Residence

Purchase

317446

N/A

XXX

2023010617

Closed

XXX

Resolved

1 - Information

Compliance

ComplianceEase

Written List of Service Providers Disclosure Date Test

Resolved-This loan failed the written list of service providers disclosure date test for one or more of the following reasons: ( 12 CFR §1026.19(e)(1)(vi) )The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions)This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.19(e)(1)(e)(1)(iii) §1026.2(a)(6) and as it relates to §1026.19(a)(1)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i) but in accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii). - Due Diligence Vendor- XXX

Rescinded-Located in the file on page 5 - Due Diligence Vendor- XXX

Primary Residence

Purchase

283687

N/A

XXX

2023010617

Closed

XXX

Resolved

1 - Information

Compliance

Points & Fees

Reimbursement Amount Validation Test

Resolved-Resolved - Due Diligence Vendor- XXX

Primary Residence

Purchase

283688

N/A

XXX

2023010617

Closed

XXX

Resolved

1 - Information

Compliance

Disclosure

Consummation or Reimbursement Date Validation Test

Resolved-Resolved - Due Diligence Vendor- XXX

Primary Residence

Purchase

283689

N/A

XXX

2023010617

Closed

XXX

Resolved

1 - Information

Compliance

TRID

Charges That Cannot Increase Test

Ready for Review-Pls advise what fees increased - Seller- XXX

Primary Residence

Purchase

283690

N/A

XXX

2023010617

Closed

XXX

Resolved

1 - Information

Compliance

TRID

Initial Loan Estimate Delivery Date Test (from application)

Resolved-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be  XXX ardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on Thanksgiving Day ( XXX ,  XXX )As not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. - Due Diligence Vendor- XXX

Resolved-Confirmed Saturday is not a Business day for this company - Due Diligence Vendor- XXX

Ready for Review-Pls note App date was  XXX  which was on a Fri. We don't count the weekends. The LE went on on  XXX , this is an invalid condition - Seller- XXX

Ready for Review-Pls note App date was XXX which was on a Fri. We don't count the weekends. The LE went on on XXX , this is an invalid condition - Seller- XXX

Resolved-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX ardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on Thanksgiving Day ( XXX , XXX )As not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. - Due Diligence Vendor- XXX

Resolved-Confirmed Saturday is not a Business day for this company - Due Diligence Vendor- XXX

Primary Residence

Purchase

283692

N/A

XXX

2023010614

Closed

XXX

Resolved

1 - Information

Credit

Missing Doc

Business Purpose Affidavit is Missing

Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) Document is valid. referenced document with finding code FCRE1499 - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded.  - Seller- XXX

Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator is 'Missing'.  Business Purpose Affidavit is required for a DSCR loan. - Due Diligence Vendor- XXX

Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator is 'Missing'.  Business Purpose Affidavit is required for a DSCR loan. Business Purpose Affidavit not in file at time of review. - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) Document is valid. referenced document with finding code FCRE1499 - Due Diligence Vendor- XXX

xxxx

Investment

Purchase

287631

N/A

XXX

2023010615

Closed

XXX

Resolved

1 - Information

Credit

Insurance

Flood Insurance Effective Date is after the Note Date

Resolved-Letter of Attestation from Angel Oak received.  Rescinded Finding.  - Due Diligence Vendor- XXX
Ready for Review-Document Uploaded.  - Seller- XXX
Open-Flood Insurance Effective Date of xxxx is after the Note Date of xxxxFlood Insurance Effective Date of xxxx is after the Note Date of xxxx (as reflected on p 386 and 387). - Due Diligence Vendor- XXX
Open-Flood Insurance Effective Date of xxxx is after the Note Date of xxxx - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Resolved-Letter of Attestation from Angel Oak received. Rescinded Finding. - Due Diligence Vendor- XXX

xxxx

Second Home

Purchase

287933

N/A

XXX

2023010618

Closed

XXX

Resolved

1 - Information

Compliance

TRID

Initial Closing Disclosure Delivery Date Test

Resolved-Finding has been resolved and cleared per uploaded documents. - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Resolved-Finding has been resolved and cleared per uploaded documents. - Due Diligence Vendor- XXX

xxxx

Primary Residence

Purchase

285848

N/A

XXX

2023010618

Closed

XXX

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 WVOE Missing

Resolved-Resolved per client. - Due Diligence Vendor- XXX

Ready for Review-No VOE is req'd due to this is a BS Loan. Invalid condition - Seller- XXX

Open-Borrower 2 WVOE Missing - Due Diligence Vendor- XXX

Ready for Review-No VOE is req'd due to this is a BS Loan. Invalid condition - Seller- XXX

Resolved-Resolved per client. - Due Diligence Vendor- XXX

Primary Residence

Purchase

285749

N/A

XXX

2023010618

Closed

XXX

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Executed 4506-T Missing

Resolved-Resolved per client. - Due Diligence Vendor- XXX

Ready for Review-No 4506T is req'd on BS Loans; Invalid condition - Seller- XXX

Open-Borrower 1 Executed 4506-T Missing - Due Diligence Vendor- XXX

Ready for Review-No 4506T is req'd on BS Loans; Invalid condition - Seller- XXX

Resolved-Resolved per client. - Due Diligence Vendor- XXX

Primary Residence

Purchase

292345

N/A

XXX

2023010618

Closed

XXX

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Executed 4506-T Missing

Resolved-Resolved per client. - Due Diligence Vendor- XXX

Ready for Review-No 4506T is req'd on BS Loans; Invalid condition - Seller- XXX

Open-Borrower 2 Executed 4506-T Missing - Due Diligence Vendor- XXX

Ready for Review-No 4506T is req'd on BS Loans; Invalid condition - Seller- XXX

Resolved-Resolved per client. - Due Diligence Vendor- XXX

Primary Residence

Purchase

292346

N/A

XXX

2023011058

Closed

XXX

Resolved

1 - Information

Credit

Doc Issue

Missing asset documentation (ATR)

Resolved-Client provided updated final 1003 document uploaded resolved  - Due Diligence Vendor- XXX
Ready for Review-Document Uploaded. Assets not needed -Removed - Seller- XXX
Open-Assets Document is missing,
1003 Document mention WxxxxAccount Number xxxx and xxxx Document is missing. Please Provide the xxxx Account Document,  - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. Assets not needed -Removed - Seller- XXX

Resolved-Client provided updated final 1003 document uploaded resolved - Due Diligence Vendor- XXX

xxxx

Investment

Refinance

Cash Out - Other

308321

N/A

XXX

2023011062

Closed

XXX

Resolved

1 - Information

Credit

Missing 4506-T form

Resolved-Bank statement program, no 4506-T required - Due Diligence Vendor- XXX

Ready for Review-Bank statement program, no 4506-T required - Seller- XXX

Open-Please provide 4506T or 4506C for borrower 2 - Due Diligence Vendor- XXX

Ready for Review-Bank statement program, no 4506-T required - Seller- XXX

Resolved-Bank statement program, no 4506-T required - Due Diligence Vendor- XXX

Primary Residence

Refinance

Cash Out - Other

338148

N/A

XXX

2023010613

Closed

XXX

Waived

2 - Non-Material

Credit

Eligibility

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

Waived-Cashout reserves at 3.64 months instead of required 6 months - Due Diligence Vendor- XXX

DTI at XXX , residual Income of XXX borrower with same business for 16 years

Primary Residence

Refinance

Cash Out - Other

809654

Originator Post-Close

Yes

XXX

2023010613

Closed

XXX

Resolved

1 - Information

Credit

Deficient Income Documentation

Resolved-Made corrections based updated 1008 and corrected income calculation provided by the client  - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. Pls see updated information uploaded and note that UW came up w/ Income of  XXX .94; lower than what calculations you came up with. But ratios are still w/in guides. No further actions is req'd - Seller- XXX

Open-Qualifying income is  XXX .44 at 90% business ownership as stated on the CPA letter . Please provide updated calculation or justification of how UW arrived at qualifying income of  XXX .72 - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. Pls see updated information uploaded and note that UW came up w/ Income of XXX .94; lower than what calculations you came up with. But ratios are still w/in guides. No further actions is req'd - Seller- XXX

Resolved-Made corrections based updated 1008 and corrected income calculation provided by the client - Due Diligence Vendor- XXX

xxxx

Primary Residence

Refinance

Cash Out - Other

335190

N/A

XXX

2023010609

Closed

XXX

Resolved

1 - Information

Compliance

Right to Rescind

TILA Right of Rescission Test

Resolved-Finding Resolved. - Due Diligence Vendor- XXX

Open-This loan failed the TILA right of rescission test.

Closed-end ( 12 CFR §1026.23(a)(3) , transferred from  12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from  12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.

The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Please provide actual or updated final CD. - Due Diligence Vendor- XXX

Open-This loan failed the TILA right of rescission test.

Closed-end ( 12 CFR §1026.23(a)(3) , transferred from  12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from  12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.

The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor- XXX

Resolved-Finding Resolved. - Due Diligence Vendor- XXX

Primary Residence

Refinance

Cash Out - Other

332798

N/A

XXX

2023010610

Closed

XXX

Resolved

1 - Information

Credit

Missing Doc

Missing credit report

Resolved-Guidelines do not mention a requirement for credit report with foreign national files.  - Due Diligence Vendor- XXX

Ready for Review-Pls note Credit reports are not req'd for Foreign Nationals - Seller- XXX

Open- - Due Diligence Vendor- XXX

Rescinded-Credit Report is Missing - Due Diligence Vendor- XXX

Ready for Review-Pls note Credit reports are not req'd for Foreign Nationals - Seller- XXX

Resolved-Guidelines do not mention a requirement for credit report with foreign national files. - Due Diligence Vendor- XXX

Rescinded-Credit Report is Missing - Due Diligence Vendor- XXX

Investment

Purchase

332736

N/A

XXX

2023010607

Closed

XXX

Resolved

1 - Information

Credit

DSCR is less than 1.00

Resolved-Resolved. No DSCR (DSCR < 0.85), Minimum FICO 700, Maximum LTV 75%. - Due Diligence Vendor- XXX

Ready for Review-Pls note: No DSCR (DSCR < 0.85) Minimum FICO 700 Maximum LTV 75% LTV. This loan is at 75%LTV and credit score over 700 - Seller- XXX

Open-DSCR = Rent ( XXX / PITI ( XXX 0) = 0.74. - Due Diligence Vendor- XXX

Ready for Review-Pls note: No DSCR (DSCR < 0.85) Minimum FICO 700 Maximum LTV 75% LTV. This loan is at 75%LTV and credit score over 700 - Seller- XXX

Resolved-Resolved. No DSCR (DSCR < 0.85), Minimum FICO 700, Maximum LTV 75%. - Due Diligence Vendor- XXX

Investment

Refinance

Cash Out - Other

402028

N/A

XXX

2023010608

Closed

XXX

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Title Coverage Amount of  XXX  is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded.  - Seller- XXX

Open-Title Coverage Amount of  XXX  is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Resolved-Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor- XXX

xxxx

Primary Residence

Refinance

No Cash Out - Borrower Initiated

332767

N/A

XXX

2023011071

Closed

XXX

Resolved

1 - Information

Compliance

TRID

Lender Credits That Cannot Decrease Test

Resolved-Received COC letter dated  XXX isclosing that lender credit was removed. COC date added to LE dated  XXX Report is elevated. Resolved.  - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded.  - Seller- XXX

Open-Please provide COC to cure. - Due Diligence Vendor- XXX

Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ( XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ( XXX .00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Resolved-Received COC letter dated XXX isclosing that lender credit was removed. COC date added to LE dated XXX Report is elevated. Resolved. - Due Diligence Vendor- XXX

xxxx

Second Home

Refinance

No Cash Out - Borrower Initiated

359609

N/A

XXX

2023011068

Closed

XXX

Resolved

1 - Information

Compliance

TRID

Charges That In Total Cannot Increase More Than 10% Test

Resolved-Compliance test has passed per uploaded document, finding has been resolved and cleared.  - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. Loan Estimates have 400 in recording fees disclosed. We shouldnt have to cure since fees are lower at closing
- Seller- XXX

Open-This loan failed the charges that in total cannot increase more than 10% test.  (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ( XXX ) exceed the comparable charges ( XXX by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). PCCD is  XXX tside tolerance due to the recording fee increasing. - Due Diligence Vendor- XXX

Open-This loan failed the charges that in total cannot increase more than 10% test.  (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ( XXX ) exceed the comparable charges ( XXX by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. Loan Estimates have 400 in recording fees disclosed. We shouldnt have to cure since fees are lower at closing
- Seller- XXX

Resolved-Compliance test has passed per uploaded document, finding has been resolved and cleared. - Due Diligence Vendor- XXX

xxxx

Primary Residence

Purchase

362186

N/A

XXX

2023011068

Closed

XXX

Resolved

1 - Information

Credit

DTI discrepancy or failure.

Resolved-
1008: 5CR  B2 income  XXX .35   (15,000+3598.50+2030.85) =  XXX .35
Final 1003 B2:  180CL
Income:   XXX  ( First St Films Inc DB )
Final 1003 B2 Continuation Sheet  191CL:     XXX 0 SSI     XXX 5 Pension & Health
Written VOE:  See Findings
xxxx: See Findings
SSI Award Letter: See Findings

All income entered separately  - Due Diligence Vendor- XXX
Ready for Review-Document Uploaded. William's income -SSI award letter in file supports  XXX 0/mo, Trust Income - XXX onth distribution (xxxx XXX ),  XXX onth distribution (xxxxXX 5.94). Pension letter  XXX 5/mo - Seller- XXX
Open-Please advise on William Borden income, documentation in file does not match what is listed on the final 1008. - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. William's income -SSI award letter in file supports XXX 0/mo, Trust Income - XXX onth distribution (xxxxl XXX ), XXX onth distribution (xxxxl XXX 5.94). Pension letter XXX 5/mo - Seller- XXX

Resolved-
1008: 5CR  B2 income  XXX .35   xxxx) =  XXX .35
Final 1003 B2:  180CL
Income:   XXX  ( First St Films Inc DB )
Final 1003 B2 Continuation Sheet  191CL:     XXX 0 SSI     XXX 5 Pension & Health
Written VOE:  See Findings
xxxx: See Findings
SSI Award Letter: See Findings

All income entered separately  - Due Diligence Vendor- XXX

xxxx

Primary Residence

Purchase

362037

N/A

XXX

2023011068

Closed

XXX

Resolved

1 - Information

Compliance

Points & Fees

TILA APR Test

Resolved-Resolved - Due Diligence Vendor- XXX

Open-This loan failed the TILA APR test.
( 12 CFR §1026.22(a)(2), (4) , transferred from  12 CFR §226.22(a)(2), (4) )
The annual percentage rate (APR) is 5.598%. The disclosed APR  of 5.442% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. - Due Diligence Vendor- XXX

Resolved-Resolved - Due Diligence Vendor- XXX

Primary Residence

Purchase

361225

N/A

XXX

2023011068

Closed

XXX

Resolved

1 - Information

Compliance

Points & Fees

TILA Finance Charge Test

Resolved-Resolved - Due Diligence Vendor- XXX

Open-This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) )The finance charge is XXX 847.92. The disclosed finance charge of XXX 474.46 is not considered accurate because it is understated by more than XXX Due Diligence Vendor- XXX

Resolved-Resolved - Due Diligence Vendor- XXX

Primary Residence

Purchase

361226

N/A

XXX

2023011068

Closed

XXX

Resolved

1 - Information

Compliance

TRID

TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test

Resolved-Resolved - Due Diligence Vendor- XXX

Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. - Due Diligence Vendor- XXX

Resolved-Resolved - Due Diligence Vendor- XXX

Primary Residence

Purchase

361227

N/A

XXX

2023011067

Closed

XXX

Resolved

1 - Information

Compliance

Points & Fees

Reimbursement Amount Validation Test

Resolved-Cured by attached check of XXX - Due Diligence Vendor- XXX

Ready for Review-uploaded cure - Seller- XXX

Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor- XXX

Ready for Review-uploaded cure - Seller- XXX

Resolved-Cured by attached check of XXX - Due Diligence Vendor- XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

361539

N/A

XXX

2023011067

Closed

XXX

Resolved

1 - Information

Compliance

Disclosure

Consummation or Reimbursement Date Validation Test

Resolved-Cured by attached check of XXX - Due Diligence Vendor- XXX

Ready for Review-uploaded cure - Seller- XXX

Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor- XXX

Ready for Review-uploaded cure - Seller- XXX

Resolved-Cured by attached check of XXX - Due Diligence Vendor- XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

361541

N/A

XXX

2023011067

Closed

XXX

Resolved

1 - Information

Compliance

TRID

Charges That Cannot Increase Test

Resolved-Cured by attached check of  XXX - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded.  - Seller- XXX

Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is  XXX Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). From Initial LE and Revised LE Credit Report Fee  XXX rom Initial CD and Final CD Credit Report Fee  XXX reased  No COC Please Provide It - Due Diligence Vendor- XXX

Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is  XXX Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Resolved-Cured by attached check of XXX - Due Diligence Vendor- XXX

xxxx

Primary Residence

Refinance

No Cash Out - Borrower Initiated

361542

N/A

XXX

2023011044

Closed

XXX

Resolved

1 - Information

Compliance

Missing Doc

Final HUD-1 Document is Missing

Resolved-fees entered . finding resolved. - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded.  - Seller- XXX

Open-The Final HUD-1 Settlement Statement is missing. The document must indicate Final and must have a certified True Copy stamp and be signed/dated by the borrower(s).  - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Resolved-fees entered . finding resolved. - Due Diligence Vendor- XXX

xxxx

Investment

Refinance

Cash Out - Other

357441

N/A

XXX

2023011044

Closed

XXX

Resolved

1 - Information

Credit

Title

Property Title Issue

Resolved-Property Title Issue Resolved - Due Diligence Vendor- XXX

Resolved-FInal HUD showing delinquent taxes were paid,  - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. DSCR, CD'S do not apply. See final HUD attached - Seller- XXX

Open-Property Title Issue Need final cd to verify that outstanding taxes were paid.   - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. DSCR, CD'S do not apply. See final HUD attached - Seller- XXX

Resolved-Property Title Issue Resolved - Due Diligence Vendor- XXX

Resolved-FInal HUD showing delinquent taxes were paid, - Due Diligence Vendor- XXX

xxxx

Investment

Refinance

Cash Out - Other

357963

N/A

XXX

2023011042

Closed

XXX

Resolved

1 - Information

Compliance

Missing Doc

Final HUD-1 Document is Missing

Resolved-respa fees entered. finding is resolved. - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Open-Please provide Final Hud 1 - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Resolved-respa fees entered. finding is resolved. - Due Diligence Vendor- XXX

xxxx

Investment

Refinance

Cash Out - Other

360427

N/A

XXX

2023011042

Closed

XXX

Resolved

1 - Information

Compliance

Data

The Initial 1003 is Incomplete

Resolved- - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. Our LOS does not populate  ULI on initial or final 1003 - Seller- XXX

Open-ULI is missing on final 1003 and Initial 1003 - Due Diligence Vendor- XXX

Open-Initial and Final 1003 is Missing the ULI. - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. Our LOS does not populate ULI on initial or final 1003 - Seller- XXX

xxxx

Investment

Refinance

Cash Out - Other

359797

N/A

XXX

2023011065

Closed

XXX

Resolved

1 - Information

Credit

Missing Doc

Missing operating income statement form 216

Resolved-Appraisal doc 216 uploaded reflects the monthly rent of  XXX inding resolved. - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded.  - Seller- XXX

Open-Please advise on the discrepancy between form 1007 which shows  XXX r monthly rent and form 216 which shows market rent as  XXX  Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Resolved-Appraisal doc 216 uploaded reflects the monthly rent of XXX inding resolved. - Due Diligence Vendor- XXX

xxxx

Investment

Refinance

Cash Out - Other

364614

N/A

XXX

2023011065

Closed

XXX

Resolved

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-Loan program is DSCR -no lease agreement required / no income verification - Due Diligence Vendor- XXX

Ready for Review-Loan program is DSCR -no lease agreement required / no income verification - Seller- XXX

Open-Per form 216 the house is being currently rented, missing lease agreement, please provide showing rental income of  XXX  Due Diligence Vendor- XXX

Ready for Review-Loan program is DSCR -no lease agreement required / no income verification - Seller- XXX

Resolved-Loan program is DSCR -no lease agreement required / no income verification - Due Diligence Vendor- XXX

Investment

Refinance

Cash Out - Other

364615

N/A

XXX

2023011043

Closed

XXX

Resolved

1 - Information

Compliance

Points & Fees

Higher-Priced Mortgage Loan Test

Resolved- - Due Diligence Vendor- XXX

Ready for Review-Non QM Products allow HPML with impounds for taxes and insurance - Seller- XXX

Open-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.  “Please reply to acknowledge that this loan is a high-priced transaction.” - Due Diligence Vendor- XXX

Open-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. - Due Diligence Vendor- XXX

Ready for Review-Non QM Products allow HPML with impounds for taxes and insurance - Seller- XXX

Primary Residence

Refinance

Cash Out - Other

363883

N/A

XXX

2023011045

Closed

XXX

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded.  - Seller- XXX

Open-1008 Document is Missing Need an updated 1008 to reflect HOA fees of  XXX r appraisal)
- Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor- XXX

xxxx

Investment

Refinance

Cash Out - Other

373313

N/A

XXX

2023011045

Closed

XXX

Resolved

1 - Information

Compliance

Missing page of HUD

Resolved-Fees entered. Finding is resolved. - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Open-HUD-1 document is missing in file. Please provide - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Resolved-Fees entered. Finding is resolved. - Due Diligence Vendor- XXX

xxxx

Investment

Refinance

Cash Out - Other

372392

N/A

XXX

2023011020

Closed

XXX

Resolved

1 - Information

Compliance

Data

The Initial 1003 is Incomplete

Resolved-Application taken via telephone only requires LO signature not borrowers' - Due Diligence Vendor- XXX

Ready for Review-Application taken via telephone only requires LO signature not borrowers' - Seller- XXX

Open-Missing Borrowers signature with date.   - Due Diligence Vendor- XXX

Ready for Review-Application taken via telephone only requires LO signature not borrowers' - Seller- XXX

Resolved-Application taken via telephone only requires LO signature not borrowers' - Due Diligence Vendor- XXX

Investment

Refinance

Cash Out - Other

378532

N/A

XXX

2023011020

Closed

XXX

Resolved

1 - Information

Compliance

Missing Doc

Final HUD-1 Document is Missing

Resolved- - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Open-please provide stamped certified final HUD-1/ Settlement statement - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

xxxx

Investment

Refinance

Cash Out - Other

378824

N/A

XXX

2023011046

Closed

XXX

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Incomplete

Resolved-The Final 1003 is Present - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded.  - Seller- XXX

Open-The final 1003 reflects that Toyota is being  paid off at closing.  However I am showing that it is still active and when included in the debt back end DTI is in line Please provide updated final 1003  for section 2C not showing Toyota as being paid off.  Thanks  - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Resolved-The Final 1003 is Present - Due Diligence Vendor- XXX

xxxx

Primary Residence

Refinance

Cash Out - Other

419606

N/A

XXX

2023011046

Closed

XXX

Resolved

1 - Information

Compliance

Points & Fees

Higher-Priced Mortgage Loan Test

Resolved-Non QM products allow HPML with impounds for taxes and insurance - Due Diligence Vendor- XXX

Ready for Review-Non QM products allow HPML with impounds for taxes and insurance - Seller- XXX

Open- Please reply back to acknowledge that this loan is a high priced transaction. Thank you - Due Diligence Vendor- XXX

Open-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. - Due Diligence Vendor- XXX

Ready for Review-Non QM products allow HPML with impounds for taxes and insurance - Seller- XXX

Resolved-Non QM products allow HPML with impounds for taxes and insurance - Due Diligence Vendor- XXX

Primary Residence

Refinance

Cash Out - Other

382131

N/A

XXX

2023011046

Closed

XXX

Resolved

1 - Information

Credit

DTI discrepancy or failure.

Resolved-Made corrections. DTI was off due to fact final 1003 shows Toyota as being paid off @ closing. Reviewed hud and this was not paid off at closing. - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Open-DTI on 1008 is 36.959%, calculated DTI is 36.96 (rounding), Exception Form on page 2 indicates DTI Exception to 49.86. - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Resolved-Made corrections. DTI was off due to fact final 1003 shows Toyota as being paid off @ closing. Reviewed hud and this was not paid off at closing. - Due Diligence Vendor- XXX

xxxx

Primary Residence

Refinance

Cash Out - Other

387061

N/A

XXX

2023011046

Closed

XXX

Resolved

1 - Information

Credit

Data

Qualifying LTV % does not match 1008 Page LTV %.

Resolved-The Diligence Final Look Page Qualifying LTV matches the 1008 Page Qualifying LTV. - Due Diligence Vendor- XXX

Resolved-Updated 1008 page.  - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded.  - Seller- XXX

Open-The Diligence Final Look Page Qualifying LTV is  XXX  but the 1008 Page Qualifying LTV is  XXX .  Please confirm the correct qualifying property value flag was chosen. As per 1008 appraised value is  XXX .64 and as per appraisal appraised value is  XXX   - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Resolved-The Diligence Final Look Page Qualifying LTV matches the 1008 Page Qualifying LTV. - Due Diligence Vendor- XXX

Resolved-Updated 1008 page. - Due Diligence Vendor- XXX

xxxx

Primary Residence

Refinance

Cash Out - Other

382001

N/A

XXX

2023011047

Closed

XXX

Resolved

1 - Information

Compliance

Data

The Initial 1003 is Incomplete

Resolved-Initial 1003 Lender Loan Information page received. Finding resolved. - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Open-please provide lender loan information page for final 1003 to ensure accuracy - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Resolved-Initial 1003 Lender Loan Information page received. Finding resolved. - Due Diligence Vendor- XXX

xxxx

Investment

Purchase

402052

N/A

XXX

2023011047

Closed

XXX

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Client provided explanation =: 'Hazard insurance needs to be in effect at the time of disbursement - Due Diligence Vendor- XXX
Ready for Review-'Hazard insurance needs to be in effect at the time of disbursement - Seller- XXX
Open-Hazard Insurance Effective Date of 0xxxx2 is after the Note Date of 0xxxx. No Other Previous Hazard Insurance is present in the file. Please Provide Hazard insurance Covering Note Date XXX . - Due Diligence Vendor- XXX

Ready for Review-'Hazard insurance needs to be in effect at the time of disbursement - Seller- XXX

Resolved-Client provided explanation =: 'Hazard insurance needs to be in effect at the time of disbursement - Due Diligence Vendor- XXX

Investment

Purchase

401142

N/A

XXX

2023010620

Closed

XXX

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Missing

Resolved-The Final 1003 is Present - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Open-The Final 1003 is Missing - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Resolved-The Final 1003 is Present - Due Diligence Vendor- XXX

xxxx

Primary Residence

Purchase

433687

N/A

XXX

2023010619

Closed

XXX

Resolved

1 - Information

Credit

Missing Doc

Citizenship Documentation Not Provided

Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. Per 1003 Bwr is a USA Citizen, but I have uploaded a copy of Photo ID - Seller- XXX

Open-Borrower 1 Citizenship Documentation Is Missing Borrower's Id proof is missing in file - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. Per 1003 Bwr is a USA Citizen, but I have uploaded a copy of Photo ID - Seller- XXX

Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor- XXX

xxxx

Primary Residence

Refinance

Cash Out - Other

433689

N/A

XXX

2023011021

Closed

XXX

Resolved

1 - Information

Compliance

Missing Doc

Final HUD-1 Document is Missing

Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Open-HUD-1 Document is missing. Please provide stamped and signed copy of the final Hud-1 - Due Diligence Vendor- XXX

Ready for Review-Document Uploaded. - Seller- XXX

Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor- XXX

xxxx

Investment

Refinance

No Cash Out - Borrower Initiated

462257

N/A

XXX

2023011021

Closed

XXX

Resolved

1 - Information

Compliance

Closing

Final HUD-1 Closing Date does not match Transaction Date

Resolved-Final HUD-1 Closing Date matches the Notary Acknowledgement Date or Not Applicable. - Due Diligence Vendor- XXX

Open-Final HUD-1 Closing Date of 05-04-2022 is not the same date as the Notary Acknowledgement Date of 05-05-2022. - Due Diligence Vendor- XXX

Resolved-Final HUD-1 Closing Date matches the Notary Acknowledgement Date or Not Applicable. - Due Diligence Vendor- XXX

Investment

Refinance

No Cash Out - Borrower Initiated

467144

N/A

XXX

2023010621

Closed

XXX

Resolved

1 - Information

Property

Value

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor- XXX

Resolved-Document Uploaded. AVM Provided - Due Diligence Vendor- XXX

Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per securitization requirements and CU Score, if present, is greater than 2.5 - Due Diligence Vendor- XXX

Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor- XXX

Resolved-Document Uploaded. AVM Provided - Due Diligence Vendor- XXX

xxxx

Investment

Purchase

572491

N/A

XXX

2023010622

Closed

XXX

Resolved

1 - Information

Property

Value

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor- XXX

Resolved-Document Uploaded. AVM Uploaded - Due Diligence Vendor- XXX

Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per securitization requirements and CU Score, if present, is greater than 2.5 As Per guidelines We require Other secondary Valuation, If C.U Score is More than 2.5, Other valuation ( AVM, CDA) is Not Available in File. - Due Diligence Vendor- XXX

Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor- XXX

Resolved-Document Uploaded. AVM Uploaded - Due Diligence Vendor- XXX

xxxx

Investment

Purchase

572502

N/A