.2 Schedule 3
| Marketing ID | Loan ID | Seller Loan ID | Investor Loan ID | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Current/Final Loan Grade | Compliance Initial Loan Grade | Compliance Current/Final Loan Grade | Property Initial Loan Grade | Property Current/Final Loan Grade | Queue | Finding Code | Date Created | Date Modified | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Finding Comments | Seller Comments | Resolution Comments | Reviewer Comp Factor | Originator Comp Factors | Finding Documents | Originator QM Status | Final Reviewed QM Status | Loan Amount | Property State | Occupancy | Loan Purpose | Refinance Purpose | Acknowledged / WaivedBy | Waiver in File? | Unique Finding ID |
| 839 | XX | XX | XX | D | B | C | A | C | B | D | A | Closed | FCRE1115 | 2025-09-23 13:50 | 2025-10-10 14:14 | Resolved | 1 - Information | C | A | Credit | Closing | Security Instrument Date is greater than current date | Resolved-Received corrected
Notary Date acknowledged by the Notary. - Due Diligence Vendor-10/10/2025 Ready for Review-Document Uploaded. Please see attached the corrected note and DOT . - Seller-10/08/2025 Open-Security Instrument Date is greater than the transaction date of 05-xx-2025 Notary dated 5/xx/2025, CD/Note/Security Instrument indicates closing date of 9/10/2025. - Due Diligence Vendor-09/23/2025 |
Ready for Review-Document
Uploaded. Please see attached the
corrected note and DOT . - Seller-10/08/2025 |
Resolved-Received corrected
Notary Date acknowledged by the Notary. - Due Diligence Vendor-10/10/2025 |
Qualifying FICO score is at
least 20 points above minimum for program - Qualifying Fico Score 746,
guidelines require 700. Months Reserves exceed minimum required - Qualifying reserves 11 months, guidelines require 2 months |
XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | VA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XX | |
| 839 | XX | XX | XX | D | B | C | A | C | B | D | A | Closed | FPRO1253 | 2025-09-24 10:58 | 2025-09-26 15:57 | Resolved | 1 - Information | D | A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary
valuation. - Due Diligence
Vendor-09/26/2025 Ready for Review-Document Uploaded. - Seller-09/25/2025 Open-Missing the appraisdal review document required per guidelines. - Due Diligence Vendor-09/24/2025 |
Ready for Review-Document
Uploaded. - Seller-09/25/2025 |
Resolved-Received secondary
valuation. - Due Diligence
Vendor-09/26/2025 |
Qualifying FICO score is at
least 20 points above minimum for program - Qualifying Fico Score 746,
guidelines require 700. Months Reserves exceed minimum required - Qualifying reserves 11 months, guidelines require 2 months |
XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | VA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XX | |
| 839 | XX | XX | XX | D | B | C | A | C | B | D | A | Closed | FPRO1242 | 2025-09-24 08:59 | 2025-09-26 15:56 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-Received
appraisal. - Due Diligence Vendor-09/26/2025 Ready for Review-Document Uploaded. - Seller-09/25/2025 Open-Appraisal is Missing Missing the required appraisal. - Due Diligence Vendor-09/24/2025 |
Ready for Review-Document
Uploaded. - Seller-09/25/2025 |
Resolved-Received
appraisal. - Due Diligence Vendor-09/26/2025 |
Qualifying FICO score is at
least 20 points above minimum for program - Qualifying Fico Score 746,
guidelines require 700. Months Reserves exceed minimum required - Qualifying reserves 11 months, guidelines require 2 months |
XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | VA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XX | |
| 839 | XX | XX | XX | D | B | C | A | C | B | D | A | Closed | finding-3634 | 2025-09-23 13:31 | 2025-09-26 07:18 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further
review, finding resolved. - Due Diligence Vendor-09/26/2025 Ready for Review-Document Uploaded. - Seller-09/25/2025 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 $.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). Zero (0%) tolerance fees increased by $123.60 (CDA Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $123.60, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years, Expiration date: 9/XX/2028. [Please provide evidence that Lender assumed responsibility for this fee prior to close] - Due Diligence Vendor-09/23/2025 |
Ready for Review-Document
Uploaded. - Seller-09/25/2025 |
Resolved-Upon further
review, finding resolved. - Due Diligence Vendor-09/26/2025 |
Qualifying FICO score is at
least 20 points above minimum for program - Qualifying Fico Score 746,
guidelines require 700. Months Reserves exceed minimum required - Qualifying reserves 11 months, guidelines require 2 months |
XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | VA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XX | |
| 839 | XX | XX | XX | D | B | C | A | C | B | D | A | Closed | FCOM1124 | 2025-09-23 11:46 | 2025-09-23 12:22 | Waived | 2 - Non-Material | B | B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived-Borrower 1 Final
Signature Date is greater than the transaction date of 05-XX-2025
-----Originator waiver applied to non-material Findings. - Due Diligence Vendor-09/23/2025 |
Waived-Borrower 1 Final
Signature Date is greater than the transaction date of 05-XX-2025
-----Originator waiver applied to non-material Findings. - Due Diligence Vendor-09/23/2025 |
Qualifying FICO score is at
least 20 points above minimum for program - Qualifying Fico Score 746,
guidelines require 700. Months Reserves exceed minimum required - Qualifying reserves 11 months, guidelines require 2 months |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | VA | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | XX |