# EDGAR Filing Document

**Accession Number:** 0001599342
**File Stem:** 0001193125-25-338158
**Filing Date:** 2025-12
**Character Count:** 879495
**Document Hash:** 655e8d9f3521767677555a4f36259ca9
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-25-338158.hdr.sgml**: 20251231

**ACCESSION NUMBER**: 0001193125-25-338158

**CONFORMED SUBMISSION TYPE**: ABS-15G

**PUBLIC DOCUMENT COUNT**: 12

**CONFORMED PERIOD OF REPORT**: 20251231

**ITEM INFORMATION**: Findings and Conclusions of the Third Party Due Diligence Provider Obtained by the Issuer

**FILED AS OF DATE**: 20251231

**DATE AS OF CHANGE**: 20251231

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

**ABS ASSET CLASS**: Residential mortgages - Other/Combined

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PennyMac Corp.
- **CENTRAL INDEX KEY:** 0001599342

**ORGANIZATION NAME:**
- **EIN:** 800463416
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-01521
- **FILM NUMBER:** 251617006

**BUSINESS ADDRESS:**
- **STREET 1:** 3043 TOWNSGATE ROAD
- **CITY:** WESTLAKE VILLAGE
- **STATE:** CA
- **ZIP:** 91361
- **BUSINESS PHONE:** (818) 224-7442

**MAIL ADDRESS:**
- **STREET 1:** 3043 TOWNSGATE ROAD
- **CITY:** WESTLAKE VILLAGE
- **STATE:** CA
- **ZIP:** 91361
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PennyMac Corp.
- **CENTRAL INDEX KEY:** 0001599342

**ORGANIZATION NAME:**
- **EIN:** 800463416
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act

**BUSINESS ADDRESS:**
- **STREET 1:** 3043 TOWNSGATE ROAD
- **CITY:** WESTLAKE VILLAGE
- **STATE:** CA
- **ZIP:** 91361
- **BUSINESS PHONE:** (818) 224-7442

**MAIL ADDRESS:**
- **STREET 1:** 3043 TOWNSGATE ROAD
- **CITY:** WESTLAKE VILLAGE
- **STATE:** CA
- **ZIP:** 91361
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PennyMac Corp.
- **CENTRAL INDEX KEY:** 0001599342

**ORGANIZATION NAME:**
- **EIN:** 800463416
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-01521

**BUSINESS ADDRESS:**
- **STREET 1:** 3043 TOWNSGATE ROAD
- **CITY:** WESTLAKE VILLAGE
- **STATE:** CA
- **ZIP:** 91361
- **BUSINESS PHONE:** (818) 224-7442

**MAIL ADDRESS:**
- **STREET 1:** 3043 TOWNSGATE ROAD
- **CITY:** WESTLAKE VILLAGE
- **STATE:** CA
- **ZIP:** 91361

**UNITED STATES** 

**SECURITIES AND EXCHANGE COMMISSION** 

**Washington, D.C. 20549** 

**FORM ABS-15G** 

**ASSET-BACKED SECURITIZER** 

**REPORT PURSUANT TO SECTION 15G OF** 

**THE SECURITIES EXCHANGE ACT OF 1934** 

**Check the appropriate box to indicate the filing obligation to which this form is intended to satisfy:** 

☐ **Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period<u> </u> to<u> </u>** 

**Date of Report (Date of earliest event reported)** 

**Commission File Number of securitizer:<u> </u>** 

**Central Index Key Number of securitizer:** 

**Name and telephone number, including area code, of the person to** 

**contact in connection with this filing.** 

Indicate by check mark whether the securitizer has no activity to report for the initial period pursuant to Rule 15Ga-1(c)(1) ☐

Indicate by check mark whether the securitizer has no activity to report for the quarterly period pursuant to Rule 15Ga-1(c)(2)(i) ☐

Indicate by check mark whether the securitizer has no activity to report for the annual period pursuant to Rule 15Ga-1(c)(2)(ii) ☐

☒ Rule 15Ga-2 under the Exchange Act (17 CFR 240.15Ga-2)

Central Index Key Number of securitizer: 0001599342

## PMT Loan Trust 2026-INV1
**(Exact name of issuing entity as specified in its charter)** 

Central Index Key Number of issuing entity (if applicable): Not applicable

Central Index Key Number of underwriter (if applicable): Not applicable

**Chris White** 

**(805) 530-5829** 

**Name and telephone number, including area code, of the person to** 

**contact in connection with this filing** 

------

**PART I: REPRESENTATION AND WARRANTY INFORMATION** 

**Item 1.01 Initial Filing of Rule 15Ga-1 Representations and Warranties Disclosure** 

N/A

**Item 1.02 Periodic Filing of Rule 15Ga-1 Representations and Warranties Disclosure** 

N/A

**Item 1.03 Notice of Termination of Duty to File Reports under Rule 15Ga-1** 

N/A

**PART II: FINDINGS AND CONCLUSIONS OF THIRD-PARTY DUE DILIGENCE REPORTS** 

**Item 2.01 Findings and Conclusions of a Third Party Due Diligence Report Obtained by the Sponsor** 

The disclosures required by Rule 15Ga-2 (17 CFR 240.15Ga-2) are attached as Exhibits to this Form ABS-15G. Please see the Exhibit Index for the related information.

**Item 2.02 Findings and Conclusions of a Third-Party Due Diligence Report Obtained by the Underwriter** 

N/A

------

**EXHIBIT INDEX** 

---

| | |
|:---|:---|
| 99.1 | [Clayton Services LLC ("Clayton") Due Diligence Narrative Report](d23212dex991.htm) |
| 99.2 | [Clayton Conditions Report](d23212dex992.htm) |
| 99.3 | [Clayton Rating Agency ATR QM Data Fields](d23212dex993.htm) |
| 99.4 | [Clayton Loan Level Tape Compare Upload](d23212dex994.htm) |
| 99.5 | [Clayton Valuations Summary](d23212dex995.htm) |

---

------

**SIGNATURES** 

Pursuant to the requirements of the Securities Exchange Act of 1934, the reporting entity has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

---

| | |
|:---|:---|
| PennyMac Corp. | PennyMac Corp.<br>(Securitizer) |
| Date | December 31, 2025 |
| /s/ Daniel S. Perotti | /s/ Daniel S. Perotti<br> (Signature) |
| By: | Daniel S. Perotti |
| Title: | Senior Managing Director and Chief Financial Officer |

---

## Exhibit 99.1

**EXHIBIT 99.1** 

**CLAYTON SERVICES LLC ("CLAYTON") DUE DILIGENCE NARRATIVE REPORT** 

------

![LOGO](g23212g1206134326175.jpg)

![LOGO](g23212g1231073813589.jpg)

![LOGO](g23212g1231073814121.jpg)

**December 26, 2025**<br>**Due Diligence Narrative Report**<br>

------

![LOGO](g23212g1231073815231.jpg)

**TABLE OF CONTENTS**

---

| | | | |
|:---|:---|:---|:---|
|  **Clayton Contact Information** |  | **2** |  |
|  **Overview** |  | **2** |  |
|  **Originators** |  | **2** |  |
|  **Clayton's Third Party Review ("TPR") Scope of Work** |  | **2** |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Sampling* | | *2* | |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Sponsor Acquisition Criteria* | | *3* | |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Loan Grading* | | *3* | |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *TPR Component Review Scope* | | *3* | |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Credit Review |  | 4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Property Valuation Review |  | 4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Regulatory Compliance Review |  | 4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Data Integrity* | | *6* | |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Data Capture* | | *6* | |
|  **Data Compare Results** |  | **7** |  |
|  **Clayton Due Diligence Results** |  | **8** |  |
|  **Clayton Third Party Reports Delivered** |  | **9** |  |
|  **Appendix A: Credit Review Scope** |  | **10** |  |
|  **Appendix B: Origination Appraisal Assessment** |  | **13** |  |
|  **Appendix C: Regulatory Compliance Review Scope** |  | **16** |  |

---

PMT Loan Trust 2026-INV1 Page \| 1 December 26, 2025

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![LOGO](g23212g1231073815231.jpg)

**CLAYTON CONTACT INFORMATION** 

Client Service Management:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Chris Turk** Senior Client Service Manager

Phone: (813) 472-6509/E-mail: <u>Cturk@clayton.com</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Joe Ozment** Vice President – Client Services & Securitization

Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u>

**OVERVIEW** 

On behalf of PennyMac Corp. ("PennyMac"), Clayton conducted an independent third-party pre-securitization due diligence review of 390 residential loans selected for the PMT Loan Trust 2026-INV1 transaction. The loans referenced in this narrative report were reviewed on a bulk basis between November 2025 and December 2025. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton's review.

**ORIGINATORS** 

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **Percentage** |
|  Broker | 57 | 14.62% |
|  Correspondent Bulk | 327 | 83.85% |
|  Retail | 6 | 1.54% |
|  **Total** | **390** | **100.00%** |

---

**CLAYTON'S THIRD PARTY REVIEW ("TPR") SCOPE OF WORK** 

The scope of work for this transaction consisted of credit, property valuation, and regulatory compliance reviews, plus a data integrity check, were performed in accordance with rating agency<sup>1</sup> loan level review standards in place as of the date of the review. This is referred to as a "Full Review."

<sup>1</sup> Standard and Poor's, Moody's, Fitch, Kroll, DBRS & Morningstar

PMT Loan Trust 2026-INV1 Page \| 2 December 26, 2025

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![LOGO](g23212g1231073815231.jpg)

**SAMPLING** 

Upon receipt of Asset Tape, Diligence provider randomly selected 390 Purchased Mortgage loans listed thereon, excluding Wet Loans. 100% of the loans received a Full Review as described below.

Review Type Loan Counts:

---

| | | |
|:---|:---|:---|
| *Review Type* | *Loan Count*<br> *Reviewed by Clayton* | *Scope Applied* |
| **Full Review** | 390 | Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| **Total Loan Population** | 390 |  |

---

**SPONSOR ACQUISITION CRITERIA** 

The loans were originated to each Seller's Guidelines and Clayton reviewed the loans to the Agency Seller Guide Loan Eligibility Requirements, ("Sponsor Acquisition Criteria"). Clayton was supplied with all of the changes to the guidelines with advance notice.

**LOAN GRADING** 

Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade takes into account additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Clayton is providing a comprehensive loan-level analysis as part of this pre-securitization reporting package that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades, and sets forth waivers. The compliance exception report lists all exceptions within a loan.

Clayton's loan grading complied with the following rating agency grading definitions published by Moody's, Standard and Poor's, Fitch, Kroll and DBRS:

![LOGO](g23212g1231073814472.jpg)

PMT Loan Trust 2026-INV1 Page \| 3 December 26, 2025

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![LOGO](g23212g1231073815231.jpg)

**TPR COMPONENT REVIEW SCOPE** 

Clayton examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Clayton relied on the accuracy of information contained in loan documentation provided to Clayton.

CREDIT REVIEW

Clayton's Credit scope of review conducted on this transaction included the following elements (for more detail, please refer to <u>Appendix A</u> and to the guidelines cited above):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Assessed whether the characteristics of the mortgage loans and the borrowers conformed to the Sponsor Acquisition
Criteria cited above;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Re-calculated LTV, CLTV, income, liabilities, and debt-to-income ratios (DTI) and compared these against the Sponsor Acquisition Criteria;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Analyzed asset statements in order to determine whether funds to close and reserves were within Sponsor
Acquisition Criteria;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed that credit scores (FICO) and credit histories were within Sponsor Acquisition Criteria;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Evaluated evidence of borrower's willingness and ability to repay the obligation;

PROPERTY VALUATION REVIEW

Clayton's Property Valuation scope of review conducted on this transaction included the following elements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Original Appraisal Assessment (390 loans)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Clayton reviewed the original appraisal provided to determine whether the original appraisal was complete,
thorough and the original appraised value was reasonably supported.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• For more detail on the original appraisal review scope and desk review definitions, please refer to <u>Appendix B</u> and to the guidelines cited above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Value Supported Analysis (390 loans)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Clayton applied a cascade methodology to determine if the original appraised value was reasonably supported when
compared to an independent third party valuation product. Loans were held to a -10% tolerance utilizing the following waterfall;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• CU/LCA Score of 2.5 or below

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Desk Review/BPO

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Field Review/2055 Drive-by

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Second Full Appraisal

For further detail please refer to the PMTLT 2026-INV1 Valuations Summary Report

REGULATORY COMPLIANCE REVIEW

Clayton's Regulatory Compliance scope of review conducted on this transaction included the elements summarized below. (For more detail, please refer to <u>Appendix C</u> and to the guidelines cited above.)

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

PMT Loan Trust 2026-INV1 Page \| 4 December 26, 2025

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![LOGO](g23212g1231073815231.jpg)

The scope of the compliance review performed is summarized below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tested for certain applicable federal, state and local high cost and/or anti-predatory laws;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Assessed compliance with state specific consumer protection laws by testing late charge and prepayment penalty
provisions;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Truth-in-lending/regulation Z
(TILA) testing included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Notice of Right to Cancel (Right of Rescission) adherence if applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• TIL Disclosure Timing (3/7/3) and disclosure content;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• TIL APR and Finance charge tolerances;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Timeliness of ARM Disclosures (if applicable);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Section 32 APR and Points and Fees Thresholds and prohibited practices;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Section 35 Higher Priced Mortgage Loans thresholds and applicable escrow and appraisal requirements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Prohibited Acts or Practices including Loan Originator compensation rules, NMLSR ID on documents, financing
Credit Insurance, mandatory arbitration clauses, and NegAm Counseling;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Reviewed ATR/QM Ability to Repay (a/k/a Minimum Standards for Transactions): for applications on or after
1/10/2014. Clayton confirmed the loan files contain documentation to evidence the lender considered and verified the borrower's ability to Repay. This included identifying whether QM loans met agency exemptions or were underwritten in
accordance with Appendix Q. Non-QM loans were reviewed to ensure the lender documented that they considered and verified the eight (8) underwriting factors required for ATR compliance in accordance with
either their guidelines or the Sponsor Acquisition Criteria;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The ATR/QM Rules allow the lender to exclude up to two discount points from the 3% points and fees evaluation
depending on the loan's undiscounted interest rate in relation to the APOR index rate. The ATR/QM Rule does not set the required rate reduction per discount point.

Clayton evaluated the lender's exclusion of discount points from the 3% points and fees calculation for all loans in this transaction using a [0.2%] rate reduction threshold per discount point.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Prepayment Penalty restrictions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• TRID: on applicable loans, test compliance with the Integrated Mortgage Disclosure rules under the Real Estate
Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) defined under the Dodd-Frank Wall Street Reform and Consumer Protection Act as promulgated by the Consumer Financial Protection Bureau.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Real Estate Settlement Procedures Act (RESPA) laws and regulations testing included:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• GFE initial disclosure timing and content;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed the file contains the final HUD1 Settlement Statement;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• GFE to HUD1 evaluation for 0% and 10% fee tolerances;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Homeownership Counseling Notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Affiliated Business Disclosure if applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• OF NOTE: As of October 3, 2015 ("TRID Effective Date"), Clayton commenced testing applicable
loans subject to the TRID Effective date against a TRID scope of review that was based on outside counsel's interpretations of the published regulations as of the TRID Effective Date. Clayton's scope was commercially reasonable as it
relates to a Third Party Review ("TPR") firm's role as TPR conducting an independent third-party pre-securitization due diligence review ("Initial TRID Scope"). The Initial TRID
Scope was created with guidance from outside counsel.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• On, June 15th, SFIG published its RMBS 3.0 TRID Compliance Review Scope <sup>©</sup> documentation, developed under the leadership of members from Third Party Review ("TPR") firms across the industry and SFIG's RMBS 3.0 Due Diligence, Data and Disclosure
Working Group. The RMBS 3.0 TRID Compliance Review Scope was created with an aim to facilitate a uniform testing and risk identification standard as it would apply to an assignee, as a result of a consistent Truth-In-Lending Act liability interpretation according to the understanding of prevailing legal precedent and informal written guidance and webinars offered by the CFPB, as it applies to the Know Before You
Owe / Truth In Lending Act ("TILA) – Real Estate Settlement Procedures Act ("RESPA") Integrated Disclosure ("TRID") Rule (78 FR 79730, as amended). RMBS 3.0 TRID Compliance Review Scope may be formally amended by
the SFIG RMBS 3.0 Due Diligence, Data and Disclosure Working Group as clarifying regulations may be promulgated on a go forward basis, as well as any binding judicial interpretations of the underlying law.

PMT Loan Trust 2026-INV1 Page \| 5 December 26, 2025

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![LOGO](g23212g1231073815231.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Clayton applied the enhanced RMBS 3.0 TRID Compliance Review Scope to all the loans in this transaction.

<u>Compliance Review (Business Purpose, Non-Owner Occupied)</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Non-Owner Occupied Scope: Most consumer protection laws are designed to
afford protection to borrowers who are entering into a loan that will be secured by their residence. For most high cost and higher-priced laws, as well as rescission, the only loans covered by the law are loans secured by the
borrower's (or in the case of rescission a title holder's) principal residence. Most other consumer protection laws extend to a borrower's secondary residence, which under TILA and RESPA is a residence that they occupy at
least 2 weeks during the year. Further, if the loan is for a business purpose it is often excluded from consumer protection laws regardless of occupancy, including TILA (whereas if it is secured by non-owner occupied but for a personal, family or household purpose it is more likely to be covered).

Therefore, the list of laws that Clayton tests that apply to a loan secured by non-owner occupied property for a business purpose is limited. Regulatory Compliance testing of Business Purpose Loans consists of the following:

State and Federal High Cost and Higher-Priced:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Cook County High Cost Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Chicago High Cost Ordinance

Clayton currently tests the Chicago and Cook County ordinances due to vague language around loans for a business purpose not related to the property. While the state of Illinois has similar language, Clayton's audit law firm determined that only principal residences should be tested for IL high cost.

Anti-predatory lending laws

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Virginia Lender and Broker Act after 6/1/2008

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Minnesota §58 on or after 8/1/2008

Prepayment Penalties and Late Charges in certain states

National Flood Insurance Program for 1-4 unit residential properties (Transaction Date on or after 1/1/2016 for regulated lenders)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Sufficiency of coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Escrow of insurance payments

**DATA INTEGRITY** 

Clayton utilized its proprietary eCLAS tool to determine tape to file accuracy of each reviewed loan, by completing the following steps:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape data received from lender/client is stored in eCLAS;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loan Reviewer collects validated loan data in eCLAS;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Each received data point is compared to its counterpart collected data point;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Discrepancies found during comparison are stored.

**DATA CAPTURE** 

Clayton collected data fields required to create American Securitization Forum ("ASF") data tape. The file format was provided as part of the pre-securitization reporting package. Additionally, Clayton captured rating agency required data points relating to ATR/QM determination, which is provided in the reporting package.

PMT Loan Trust 2026-INV1 Page \| 6 December 26, 2025

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![LOGO](g23212g1231073815231.jpg)

**DATA COMPARE RESULTS** 

Clayton provided PennyMac with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received by the sellers versus the data captured by Clayton during the loan review.

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| **Field Name** | **#** | **Accuracy %** |
|  Borrower 1 Date of Birth | 2 | 99.49% |
|  Borrower 1 First Name | 1 | 99.74% |
|  Borrower 1 Last Name | 1 | 99.74% |
|  Borrower 1 Self Employed Flag | 6 | 98.46% |
|  Borrower 1 SSN | 1 | 99.74% |
|  Borrower 1 Total Income | 65 | 83.33% |
|  Borrower 2 First Name | 1 | 99.74% |
|  Borrower 2 Last Name | 1 | 99.74% |
|  Borrower 2 Self Employed Flag | 1 | 99.74% |
|  Borrower 2 SSN | 2 | 99.49% |
|  Cash Reserves | 218 | 44.10% |
|  Combined LTV | 1 | 99.74% |
|  Credit Report Date | 10 | 97.44% |
|  Debt to Income Ratio (Back) | 28 | 92.82% |
|  Loan Purpose | 3 | 99.23% |
|  Maturity Date | 1 | 99.74% |
|  Min Number | 1 | 99.74% |
|  Original Appraisal Date | 3 | 99.23% |
|  Original Appraised Value | 2 | 99.49% |
|  Original LTV | 1 | 99.74% |
|  Origination Channel | 63 | 83.85% |
|  Origination Date | 2 | 99.49% |
|  Property Type | 35 | 91.03% |
|  Representative Credit Score for Grading | 3 | 99.23% |
|  Total Monthly Income | 4 | 98.97% |

---

PMT Loan Trust 2026-INV1 Page \| 7 December 26, 2025

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![LOGO](g23212g1231073815231.jpg)

**CLAYTON DUE DILIGENCE RESULTS** 

Below are the initial and final overall loan grades for this review, as well as the credit, property valuation, and regulatory compliance component review grades.

**Initial and Final Overall Loan Grade Results** 

<u>Loan Pool (390 loans)</u>

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
|  | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 189 |  | 7 | 130 | **326** |
| **Final** | **B** |  | 9 | 3 | 37 | **49** |
| **Final** | **C** |  |  | 5 | 3 | **8** |
| **Final** | **D** |  |  |  | 7 | **7** |
| **Final** | **Total** | **189** | **9** | **15** | **177** | **390** |

---

The overall grade summary reflects the combination of the credit, property valuation and regulatory compliance component reviews into one overall grade. The overall grade assigned is the most severe grade from each of the component reviews.

**Initial and Final Credit Component Grade Results** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
|  | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 350 |  | 5 | 23 | **378** |
| **Final** | **B** |  | 2 | 1 |  | **3** |
| **Final** | **C** |  |  | 3 |  | **3** |
| **Final** | **D** |  |  |  | 6 | **6** |
| **Final** | **Total** | **350** | **2** | **9** | **29** | **390** |

---

**Initial and Final Property Valuation Grade Results** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
|  | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 231 |  |  | 130 | **361** |
| **Final** | **B** |  |  | 1 | 28 | **29** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **231** | **0** | **1** | **158** | **390** |

---

**Initial and Final Regulatory Compliance Grade Results** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
|  | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 335 |  | 12 | 12 | **359** |
| **Final** | **B** |  | 15 | 4 | 2 | **21** |
| **Final** | **C** |  |  | 4 | 1 | **5** |
| **Final** | **D** |  |  |  | 5 | **5** |
| **Final** | **Total** | **335** | **15** | **20** | **20** | **390** |

---

PMT Loan Trust 2026-INV1 Page \| 8 December 26, 2025

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![LOGO](g23212g1231073815231.jpg)

**CLAYTON THIRD PARTY REPORTS DELIVERED** 

Clayton furnished the following reports on this transaction:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. ASF Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Conditions Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Non-ATR QM Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. RA ATR QM Data Fields

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Standard Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Tape Compare

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Valuations Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Waived Conditions Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Narrative Report

PMT Loan Trust 2026-INV1 Page \| 9 December 26, 2025

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![LOGO](g23212g00v01.jpg)

**APPENDIX A: CREDIT REVIEW SCOPE** 

For each mortgage loan, Clayton performed a guideline review utilizing specific guidelines furnished at the time of the review.

A. Verified that the characteristics of the mortgage loan and borrower conformed to the Sponsor Acquisition
Criteria requirements including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• LTV/TLTV/HLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Credit score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Income and employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Assets and reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Property type and use eligibility; and if the property type was a condominium or cooperative, assessed project
adherence

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Borrower eligibility, including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Citizenship status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Non- occupant co-borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Transaction eligibility, including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Maximum loan amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loan purpose

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Noted any approved exceptions or waivers by the originator and/or aggregator to guidelines; verified that
approved exceptions included required, documented compensating factors

B. As part of the guideline review, Clayton performed a credit analysis during which various documents were
examined, including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Uniform Residential Loan Application reviewed to determine:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Initial loan application was in the loan file and was signed by all borrowers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Final loan application was in the loan file and was complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Information and debts disclosed on loan application aligned with related documentation in the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Employment analyzed and verified through use of various documents, including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Income documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Verbal and/or written verifications of employments (VVOE, VOE)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• CPA letter

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Business licenses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tax transcripts (IRS Form 4506-T)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Other documentation in loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Income review included:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Required income documentation for all borrowers was present and within required time period

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Documents did not appear to have been altered or inconsistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• IRS Form 4506-T

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Signed by all borrowers and processed by the originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Compared IRS tax transcripts to income documentation and noted any inconsistencies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Income was recalculated and was documented with applicable documentation, including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tax returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Financial statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Paystubs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• W-2s

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 1099

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• IRS documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Bank statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Lease agreements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Award letters

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Other documentation in loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Asset review included:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Asset documentation required to verify down payment, closing costs, prepaid items and reserves was present and
within required timeframe, including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Verification of deposits (VOD)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Depository account statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Stock or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Gift funds

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Settlements statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Other evidence of conveyance and transfer of funds, if a sale of assets was involved

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Other documentation in loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Asset documents were reviewed to determine any large deposits and appropriate sourcing of funds

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Credit Report review included:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Complete copy of report was in loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Report was dated within required timeframe

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• All borrowers were included in the report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Checked any fraud alerts against related loan file documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Verified all disclosed mortgage debt on credit report against the loan application (under the schedule of real
estate owned) for accurate debt ratio calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Compared liabilities listed on the credit report against the loan application for accurate debt ratio calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Captured and utilized appropriate credit score for guideline review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Title policy review included:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Title interest – determined if

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Fee simple

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Leasehold estate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Appropriate vestee(s) were listed on title policy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Amount of coverage was greater than or equal to the original principal amount of the mortgage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Applicable title endorsements were present

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Checked for any encumbrances, encroachments and other title exceptions affecting the lien identified through the
title search; verified that each issues was addressed in the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Reviewed the chain of title and duration of ownership by seller or borrower (whichever was applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Captured monthly tax payments in debt ratio calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• HUD1 (Settlement Statement) review included:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Funds to close identified and analyzed against borrower's assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Seller contributions did not exceed maximum allowed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Subject property, seller and borrower aligned with other loan documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Disbursements and pay-offs included in debt ratio calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loan purpose confirmed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Hazard/Flood insurance review included:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Verified presence of required hazard insurance and flood insurance (if required)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed that any required insurance was for the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Correct borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Correct property

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Correct lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Correct loan number

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Life of loan, if flood insurance required

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed that any required insurance minimum coverage amount and policy period

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Reviewed for evidence that any required insurance policy premium was paid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed that the mortgagee clause listed the lender's name and "its successors and assigns"

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed that the payment amount on any required insurance was included in the debt ratio calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Mortgage Insurance review included:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Determined if mortgage insurance is required

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Captured mortgage insurance name, certificate # and percentage guarantee (when required)

C. For each mortgage loan, Clayton examined the mortgage or deed of trust for evidence of recordation. In lieu of
a copy of the mortgage or deed of trust with recording information, a copy of the mortgage or deed of trust that is stamped "true and certified copy" by the escrow/settlement agent plus recording directions on closing instruction
documentation was utilized as evidence for recording.

D. For each mortgage loan, Clayton utilized the results from an independent, third-party fraud tool along with
information in the loan file to identify and address any potential misrepresentations including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Borrower identity

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Social Security inconsistencies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Borrower name variations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Borrower address history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Subject property ownership history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Licensing – reviewed NMLS data for:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Mortgage lender/originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loan officer

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• OFAC

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![LOGO](g23212g1231073815231.jpg)

**APPENDIX B: ORIGINATION APPRAISAL ASSESSMENT** 

For each Mortgage Loan, Clayton performed the following origination appraisal analysis:

A. Verified that the mortgage loan file contained an appraisal report and that it met the following criteria:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Appraisal report used standard GSE forms, appropriate to the property type:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• FNMA 1004/FHLMC 70 – Uniform Residential Appraisal Report. Used for 1-unit properties, units in planned unit developments (detached PUDs) and condominium projects that consist solely of detached dwelling (site condominium)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• FNMA 1073/FHLMC 465 – Individual Condominium Report. Used to appraise a unit in a condominium project or a
condominium unit in a PUD (attached PUD)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• FNMA 1025/FHLMC 72 – Small Residential Income Property Appraisal Report. Used for all two-to-four unit residential income properties, including two-to-four unit properties in a PUD

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• FNMA 2090 – Individual Cooperative Appraisal Report. Used for individual cooperative units

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• FNMA 2000/FHLMC 1032 – One Unit Residential Appraisal Field Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• FNMA 2000a/FHLMC 1072 – Two to Four Unit Residential Appraisal Field Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Appraisal report was reasonably complete and included:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Appraisal report form, certification, statement of limiting conditions and scope of work

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Accurate identification of the subject property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Accurate identification of the subject loan transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Accurate identification of the property type, in both land and improvements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• All required attachments including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Subject front, rear and street photos and valued features

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Subject interior photos – kitchen, all baths, main living area, updates/upgrades, deferred maintenance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Photos of all comparable sales and listings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Location map

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Exterior sketch of property with dimensions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 1004MC Market Conditions Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Evidence that appraisal report was made "As Is" or provided satisfactory evidence of completion for
all material conditions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Appraisal date met supplied Sponsor Acquisition Criteria

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• If applicable to Sponsor Acquisition Criteria requirements, a second full appraisal was furnished and met Sponsor
Acquisition Criteria

B. Performed a general credibility assessment of the results of the appraisal per Title XI of FIRREA and USPAP
based on the following criteria:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Title XI of FIRREA:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• If the appraisal was completed by a trainee or licensed appraiser unqualified to independently sign the report,
an appropriately licensed appraiser co-signed as a supervisory appraiser and inspected the property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Determined that either the appraiser or supervisory appraiser was appropriately licensed by verifying the
appraiser's license included in the appraisal.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Reviewed for the presence of any "red flags" related to the mortgaged property that may have posed a
risk to the property or occupants

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• USPAP

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed that the appraiser developed and communicated their analysis, opinion, and conclusion to intended users
of their services in a manner that is meaningful and not misleading and that the appraisal is signed.

C. Reviewed and graded the appraisal valuation to the following criteria:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Appraised value was reasonably supported. Utilized the following review in making value supported determination:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Comps used were located reasonably close to the subject property and if not the reason was satisfactorily
explained

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Comps used were reasonably recent in transaction date and if not the reason was furnished

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Comps used were reasonably similar to the subject property and if not an explanation was supplied

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Appraised value of the subject was bracketed by the sales prices of the comps and if not the reason was furnished

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Adjustments were reviewed and appeared reasonable utilizing the 15% net/25% gross guideline.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Property was complete. However, if the property was not 100% complete, then any unfinished portion had no
material impact to the value, safety, soundness, structural integrity, habitability or marketability of the subject property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Appraisal was reviewed for any indication of property or marketability issues. Utilized the following key points
in making determination:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Appraisal was made on an "As Is" basis or provides satisfactory evidence of completion of all
material conditions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Property usage was reviewed for zoning compliance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Property utilization was reviewed to determine it was "highest and best use"

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Neighborhood values were reviewed to determine if declining

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Market conditions were reviewed to determine indication of possible marketability issues:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Location

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• % built up

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Growth rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Demand/supply

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Marketing time

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Predominant occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Physical condition of the property was reviewed to determine that the property condition was average or better

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Style of property was reviewed to determine if unique property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Any health and safety issues were noted and/or remediated

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Locational and/or environmental concerns adequately addressed if present

D. Property Eligibility Criteria – Clayton reviewed the property to determine that the property met the
client supplied eligibility requirements. Examples of ineligible property types may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 3 to 4 unit owner occupied properties

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 2 to 4 unit second homes

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Unwarrantable or limited review condominiums

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Manufactured or mobile homes

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Condotel units

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Unique properties

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Working farms, ranches or orchards

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Mixed-use properties

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Properties subject to existing oil or gas leases

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Properties located in Hawaii Lava Zones 1 and 2

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage

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E. Properties Affected by Disasters Criteria – Clayton reviewed the appraisal date against any FEMA Declared
Disaster Areas that were designated for Individual and/or Public Assistance due to a federal government disaster declaration.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• If the appraisal date is before the FEMA Effective Date for any of the disasters listed, Clayton will specify
whether or not there has been a property inspection since the date listed, the latest inspection date, whether or not new damage has been indicated, and the amount of said damage.

F. Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The individuals performing the aforementioned original appraisal assessment are not persons providing valuations
for purposes of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraisers under Federal or State law, and the services being performed by such persons do not constitute "appraisal
reviews" for purposes of USPAP or Federal or State law.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Clayton makes no representation or warranty as to the value of any mortgaged property, notwithstanding that
Clayton may have reviewed valuation information for reasonableness

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Clayton is not an 'AMC' (appraisal management company) and therefore Clayton does not opine on the
actual value of the underlying property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Clayton is not a 'creditor' within the meaning of ECOA or other lending laws and regulations, and
therefore Clayton will not have any communication with or responsibility to any individual consumer concerning property valuation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Clayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

G. Desk Review definitions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Clear Capital "CDA" means a written retrospective analysis of an appraisal of residential real
property relating to completeness, reasonableness, and relevance. The relevant appraisal shall be provided to Clear Capital by Customer. The CDA will offer an alternative value, if deemed appropriate, based on the analysis of the competitive market
as of the effective date of the appraisal provided. The CDA will also provide an analysis of the appraisal provided, including supporting narrative and data to fully support the CDA value and outline
deficiencies within the appraisal. The CDA will also contain a Risk Score and Risk Indicators based upon the findings of the analysis for the appraisal provided to Clear
Capital by Customer.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ProTeck's Appraisal Risk Review (ARR) is an enhanced desk review of the original appraisal in the file
completed by a licensed appraiser. The ARR validates subject and comparable data and characteristics, confirms the original appraiser's methodologies, credentials, and commentary to insure compliance with regulatory requirements and industry
accepted best practices, and flags all risk factors while also providing a final value reconciliation used to grade the loan.

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**APPENDIX C: REGULATORY COMPLIANCE REVIEW SCOPE** 

This appendix provides an overview of Clayton's proprietary compliance system for 1-4 family residential mortgage loans in the due diligence process to determine, to the extent possible and subject to the caveats below, whether the loans comply with federal, state and local laws. The Disclaimer section explains limitations that you should be aware of. Additional details on the items listed below as well as Clayton's state, county and municipal testing can be provided upon request. The compliance engine is fully integrated into Clayton's proprietary due diligence platform, eCLAS.

**<u>Federal Law</u>**

**A.** **RESPA and Regulation X:** Loan level analysis on the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• GFE/HUD1: confirm the correct version of the GFE and HUD1 were properly completed under the Regulation X Final
Rule that became mandatory on January 1, 2010

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Initial Good Faith Estimate, (GFE): timing and content of the initial disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Final GFE: Verification that increases to fees from the initial GFE were disclosed within 3 days of valid changed
circumstance documentation within the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Final HUD1 Settlement Statement: verify the loan file contains the final HUD1 and the loan terms on the HUD1
correspond to the actual loan terms from the Note

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Final GFE to HUD1 tolerance fee evaluation: confirm the fees charged on the HUD1 do not exceed the Final GFE in
the 0% or 10% fee tolerance categories, including a review for a Settlement Service Provider List if the lender excludes fees that the borrower can shop for.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Affiliated Business Disclosure: if the loan file indicates the lender or broker referred the borrower to a known
affiliate, confirm the disclosure was provided to the borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Homeownership Counseling Notice: for loan applications on or after 1/10/2014, confirm the notice was provided to
the borrower within 3 days of application

**B.** **Truth in Lending Act and Regulation Z** – Loan level analysis on the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• TIL Disclosure: Content of Disclosures – perform an independent recalculation of the finance charges and
APR to determine whether the amounts disclosed on the final TIL were within allowable tolerances. Payment schedule accuracy, including under the Mortgage Disclosure Improvement Act for loans applications on or after January 30, 2010. Additional
disclosure content with a focus on the consistency of the prepayment penalty disclosure and assumption policy with the note and security instrument.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Mortgage Disclosure Improvement Act, (3/7/3 rule): Confirm the timing of the initial TIL disclosure within 3 days
of application, 7 days prior to consummation, and corrected TIL disclosures provided at least 3 days prior to consummation for applications received on or after July 30, 2009 (Section 19)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ARM Disclosure: confirm these disclosures are in the file within 3 days of application, or 3 days of the borrower
discussing ARM programs identified within the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Right of Rescission – Review the disclosure form type, disclosure timing, disclosed dates, other material
disclosures, and the loan disbursement (Section 23)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• High Cost mortgage thresholds for points and fees (Section 32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• High Cost Prohibited Acts and Practices upon request (Section 33)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Higher Priced Mortgage Loan thresholds for APR in relation to the APOR. Including Escrow and appraisal
requirements (Section 35)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Prohibited Acts or Practices including testing the Loan Originator compensation rules, NMLSR ID on documents,
financing Credit Insurance, mandatory arbitration clauses, and NegAm Counseling (Section 36)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ATR/QM Ability to Repay, aka Minimum Standards for Transactions: for applications on or after 1/10/2014, confirm
the loan file contains documentation to evidence the lender considered and verified the borrower has the ability to repay in accordance with the ATR requirements This included identifying whether QM loans met agency exemptions or were underwritten
in accordance with Appendix Q. Non QM loans will be reviewed to ensure the lender documented that they considered and verified the 8 underwriting factors as required for ATR compliance. This review also includes evaluating loans against the new TILA
prepayment penalty restrictions (Section 43)

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• TRID: on applicable loans, test compliance with the Integrated Mortgage Disclosure rules under the Real Estate
Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) defined under the Dodd-Frank Wall Street Reform and Consumer Protection Act as promulgated by the Consumer Financial Protection Bureau.

OF NOTE: As of October 3, 2015 ("TRID Effective Date"), Clayton commenced testing applicable loans subject to the TRID Effective date against a TRID scope of review that was based on outside counsel's interpretations of the published regulations as of the TRID Effective Date. Clayton's scope was commercially reasonable as it relates to a Third Party Review ("TPR") firm's role as TPR conducting an independent third-party pre-securitization due diligence review ("Initial TRID Scope"). The Initial TRID Scope was created with guidance from outside counsel.

On, June 15th, SFIG published its RMBS 3.0 TRID Compliance Review Scope <sup>©</sup> documentation, developed under the leadership of members from Third Party Review ("TPR") firms across the industry and SFIG's RMBS 3.0 Due Diligence, Data and Disclosure Working Group. The RMBS 3.0 TRID Compliance Review Scope was created with an aim to facilitate a uniform testing and risk identification standard as it would apply to an assignee, as a result of a consistent Truth-In-Lending Act liability interpretation according to the understanding of prevailing legal precedent and informal written guidance and webinars offered by the CFPB, as it applies to the Know Before You Owe / Truth In Lending Act ("TILA) – Real Estate Settlement Procedures Act ("RESPA") Integrated Disclosure ("TRID") Rule (78 FR 79730, as amended). RMBS 3.0 TRID Compliance Review Scope may be formally amended by the SFIG RMBS 3.0 Due Diligence, Data and Disclosure Working Group as clarifying regulations may be promulgated on a go forward basis, as well as any binding judicial interpretations of the underlying law.

**C.** **FACTA** – the Credit Score, Key Factors, and Notice to Home Loan Applicant disclosures

**D.** **HMDA** – Whether the loans is Rate Spread threshold reportable.

**<u>STATE, COUNTY and MUNICIPAL LAW</u>**

**A.** **Higher-Priced** 

Clayton test whether a loan meets the thresholds for a higher-priced, rate spread, subprime or nonprime mortgage loan, and whether such loan meets regulatory requirements, in the following states:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Higher-Priced** | &nbsp;&nbsp;&nbsp;**Higher-Priced** | &nbsp;&nbsp;&nbsp;**Higher-Priced** |
| &nbsp;&nbsp;&nbsp;California | Maryland | New York |
| &nbsp;&nbsp;&nbsp;Connecticut | Massachusetts (subprime ARMS to first time homebuyers) | North Carolina |
| &nbsp;&nbsp;&nbsp;Maine | Minnesota | |

---

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**B.** **State/Local High Cost** 

Clayton test whether a loan meets the thresholds for a high cost or covered loan in the following states, counties and municipalities, and also tests for compliance with provisions in such laws that apply to all loans subject to high cost testing:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;&nbsp;**State/Local High Cost** |
| &nbsp;&nbsp;&nbsp;Arkansas | Maine | Pennsylvania |
| &nbsp;&nbsp;&nbsp;California | Maryland | Rhode Island, including the Providence ordinance |
| &nbsp;&nbsp;&nbsp;Colorado | Massachusetts | South Carolina |
| &nbsp;&nbsp;&nbsp;Connecticut | Nevada | Tennessee |
| &nbsp;&nbsp;&nbsp;District of Columbia | New Jersey | Texas |
| &nbsp;&nbsp;&nbsp;Florida | New Mexico | Utah |
| &nbsp;&nbsp;&nbsp;Georgia | New York | Vermont<br> (High Rate, High Point law) |
| &nbsp;&nbsp;&nbsp;Illinois, including the Cook County and Chicago ordinances | North Carolina | Wisconsin |
| &nbsp;&nbsp;&nbsp;Indiana | Ohio, including<br> Cleveland Heights ordinance | |
| &nbsp;&nbsp;&nbsp;Kentucky | Oklahoma | |

---

**C.** **Anti-Predatory** 

Several states have laws that do not create a separate class of high cost or higher-priced mortgage loans, but set APR or finance charge ceilings and may also set forth similar anti-predatory lending restrictions as found in high cost laws. Clayton tests for compliance with such laws in the following states:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Minnesota (Mortgage Originator and Service Licensing Act)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Puerto Rico (Office Regulation 5722)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Texas (Texas Finance Code)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

**D.** **Borrower's Interest** 

Clayton uses a module that reports to the client the factors that the client can weigh to determine whether or not the loan is in the borrower's interest, and also makes a mathematical determination as to whether or not there is at least one benefit. This module is only used in the following states, where the laws or releases by the regulators provide an indication of some standards that can be applied.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Borrower's Interest** | &nbsp;&nbsp;&nbsp;**Borrower's Interest** | &nbsp;&nbsp;&nbsp;**Borrower's Interest** |
| &nbsp;&nbsp;&nbsp;Maine | Ohio | South Carolina |
| &nbsp;&nbsp;&nbsp;Massachusetts | Rhode Island | |

---

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**E.** **Consumer Protection** 

Several states have laws that neither create a separate class of high cost or higher-priced mortgage loan, nor impose a ceiling on the overall fees or APR, but nonetheless contain requirements and restrictions on mortgage loans that may impact the assignee or the lien. Clayton tests for compliance with such laws, including late charge and prepayment penalty provisions, in the following states and municipalities:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;**Consumer Protection** | &nbsp;&nbsp;&nbsp;**Consumer Protection** |
| &nbsp;&nbsp;&nbsp;Alabama (the "Mini-code") | Nebraska (Mortgage Bankers Registration and Licensing Act and the Installment Loan Act) |
| &nbsp;&nbsp;&nbsp;Hawaii (Financial Services Loan Company Act) | Nevada (AB 440 |
| &nbsp;&nbsp;&nbsp;Idaho (Residential Mortgage Practices Act) | Ohio (Consumer Sales Practices Act; whether the loan is in Summit County) |
| &nbsp;&nbsp;&nbsp;Illinois (both versions of the Cook County Predatory Lending Database; Illinois Residential Mortgage Licensing Act) | Texas (Article XVI, Section 50(a)(6) of the Texas Constitution) |
| &nbsp;&nbsp;&nbsp;Iowa (Consumer Credit Code) | Utah (Consumer Credit Code) |
| &nbsp;&nbsp;&nbsp;Kansas (Consumer Credit Code) | Virginia (Mortgage Lender and Broker Act) |
| &nbsp;&nbsp;&nbsp;Kentucky (HB 552) | Washington (Consumer Loan Act and Responsible Mortgage Lending Act) |
| &nbsp;&nbsp;&nbsp;Maryland (DLLR Regulations, Commercial Law) | West Virginia (Consumer Credit Protection Act) |
| &nbsp;&nbsp;&nbsp;Massachusetts (Attorney General regulations) | Wyoming (Residential Mortgage Practices Act) |
| &nbsp;&nbsp;&nbsp;Michigan (Consumer Mortgage Protection Act) |  |

---

See attached Exhibit A - Consumer Protection Laws for additional details on the specific components of the aforementioned Consumer Protection laws that are evaluated as part of the Clayton Compliance Review Scope:

**F.** **Texas Equity** 

In addition to identifying whether Texas refinances are cash out transactions subject to the Texas Constitution Article 16 Section 50(a)(6) requirements, Clayton reviews the title report to confirm prior loans being refinanced are continuous purchase money and not (a)(6) loans. In the event a loan is determined to be a Texas Home Equity loan, the underwriter reviews the loan images to confirm the loan meets the Texas requirements including maximum LTV/CLTV, 3% fee cap, product restrictions and the required disclosures were provided to the borrower in accordance with required timelines.

**<u>GSE Testing</u>**

Clayton can review loans to determine whether they comply with Fannie Mae's and Freddie Mac's Points and Fees threshold tests. These fee limitations of 5% for all loans with application dates prior to 1/10/2014 were reduced to 3% on Primary and Second Homes for applications on or after 1/10/2014. If requested, loans can be reviewed to determine whether the loan is a residential mortgage transaction ineligible for delivery due to its APR or fees exceeding the HOEPA thresholds. Clayton offers Lender Letter and non-traditional mortgage testing for Fannie Mae. (Note: Fannie Mae requires a non-disclosure agreement between the client and Fannie Mae for Clayton to report these results.)

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**<u>Disclaimer</u>**

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk. Clayton's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.

<sup>©</sup> 2025 Clayton Services LLC. All rights reserved.

This material is confidential and may not be copied, used, or distributed without the written permission of Clayton Services LLC.

PMT Loan Trust 2026-INV1 Page \| 20 December 26, 2025

## Exhibit 99.2

**EXHIBIT 99.2** 

**CLAYTON CONDITIONS REPORT** 

------

---

| | |
|:---|:---|
| **Client Name:** | **PennyMac** |
| **Client Project Name:** | **PNMAC PMTLT 2026-INV1_J16411** |
| **Conditions Report 2.0** |  |
| ***Loans in Report:*** | *390* |
| ***Loans with Conditions:*** | *201* |

---

---

| | |
|:---|:---|
| **49 - Total Active Conditions** | |
| **25 - Material Conditions** | **25 - Material Conditions** |
| 11 - Credit Review Scope | 11 - Credit Review Scope |
|  | 1 - Category: Assets |
|  | 4 - Category: Credit/Mtg History |
|  | 1 - Category: DTI |
|  | 3 - Category: Income/Employment |
|  | 2 - Category: Terms/Guidelines |
| 14 - Compliance Review Scope | 14 - Compliance Review Scope |
|  | 7 - Category: Ability to Repay/Qualified Mortgage |
|  | 7 - Category: TILA/RESPA Integrated Disclosure |
| **24 - Non-Material Conditions** | **24 - Non-Material Conditions** |
| 3 - Credit Review Scope | 3 - Credit Review Scope |
|  | 1 - Category: Credit/Mtg History |
|  | 1 - Category: DTI |
|  | 1 - Category: Income/Employment |
| 21 - Compliance Review Scope | 21 - Compliance Review Scope |
|  | 2 - Category: Compliance Manual |
|  | 2 - Category: Repayment Ability |
|  | 17 - Category: RESPA |
| &nbsp;&nbsp;&nbsp;**270 - Total Satisfied Conditions** |  |
| 39 - Credit Review Scope | 39 - Credit Review Scope |
|  | 1 - Category: Ability to Repay/Qualified Mortgage |
|  | 4 - Category: Assets |
|  | 2 - Category: Credit/Mtg History |
|  | 12 - Category: DTI |
|  | 7 - Category: Income/Employment |
|  | 2 - Category: Insurance |
|  | 3 - Category: Legal Documents |
|  | 5 - Category: Terms/Guidelines |
|  | 3 - Category: Title |
| 192 - Property Valuations Review Scope | 192 - Property Valuations Review Scope |
|  | 187 - Category: Appraisal |
|  | 5 - Category: Value |
| 39 - Compliance Review Scope | 39 - Compliance Review Scope |
|  | 11 - Category: Ability to Repay/Qualified Mortgage |
|  | 3 - Category: APR Tolerance |
|  | 2 - Category: Compliance Manual |
|  | 6 - Category: Documentation |
|  | 1 - Category: Texas Home Equity |
|  | 16 - Category: TILA/RESPA Integrated Disclosure |
| &nbsp;&nbsp;&nbsp;**0 - Total Waived Conditions** |  |

---

<sup>©</sup>2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

------

---

| | |
|:---|:---|
| **Client Name:** | **PennyMac** |
| **Client Project Name:** | **PNMAC PMTLT 2026-INV1_J16411** |
| **Conditions Report 2.0** |  |
| ***Loans in Report:*** | *390* |
| ***Loans with Conditions:*** | *201* |

---

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;6 | XXXXXX | XXXXXX | MO | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>LCA score is<br>>2.5. Clayton<br>to order desk<br>review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 794 is 174 points above minimum program requirement of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 238 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has over 32 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;8 | XXXXXX | XXXXXX | VA | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score 3.4<br>>2.5. Clayton<br>to order desk<br>review. | 12/8/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO score of 788 is greater than guideline minimum requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $75,059.17 or 14.20 months of PITIA. AUS Reserves Required $31,723.23. |
| &nbsp;&nbsp;&nbsp;9 | XXXXXX | XXXXXX | IN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification of<br>some or all<br>components of<br>non-subject<br>PITI | No | Per the 1003:<br>XXX loan #<br>XXX & XXX<br>loan #XXX<br>were<br>refinanced<br>with XXX.<br>Please provide<br>final HUD or<br>CD to verify<br>payment and<br>escrows. If<br>mortgages are<br>not escrowed<br>please provide<br>tax and HOI<br>documentation. | 12/5/2025:<br>Received<br>XXX stmnt<br>for<br>XXX - PITI;<br>Received<br>XXX stmnt<br>for<br>XXX - PITI. | 12/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; guidelines allow 75%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have 82 months mortgage payment history 0x30.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 40.14% is below the guideline Max of 45%. |
| &nbsp;&nbsp;&nbsp;9 | XXXXXX | XXXXXX | IN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Income/<br>Employment | Satisfied D A | CRDINC3204 | Income<br>Documentation<br>Missing | No | Provide fully<br>executed<br>2024/2023<br>signature<br>pages. Copies<br>in the file are<br>not signed. | 12/12/2025:<br>Lender<br>provided<br>tax preparer<br>signed doc<br>for 2023<br>and verified<br>4506C is<br>signed by<br>borrowers. | 12/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; guidelines allow 75%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have82 months mortgage payment history 0x30.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 40.14% is below the guideline Max of 45%. |
| &nbsp;&nbsp;&nbsp;9 | XXXXXX | XXXXXX | IN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Credit | Terms/<br>Guidelines | Satisfied D A | CRDTER2548 | Missing AUS<br>or AUS errors<br>present | No | Final AUS 10<br>is incomplete.<br>Please provide<br>complete AUS<br>10 report. | 12/5/2025:<br>Received<br>DU #11, all<br>pages. | 12/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirement<br> s - Clayton Comments: LTV is 70%; guidelines allow 75%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have 82 months mortgage payment history 0x30.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 40.14% is below the guideline Max of 45%. |

---

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---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;9 | XXXXXX | XXXXXX | IN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>LCA (or CU)<br>score is Not<br>Preformed.<br>Clayton to<br>order<br>deskreview. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; guidelines allow 75%.<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have 82 months mortgage payment history 0x30.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 40.14% is below the guideline Max of 45%. |
| &nbsp;&nbsp;&nbsp;11 | XXXXXX | XXXXXX | FL | (No<br>Data) | ATR/<br>QM:<br>Exempt C A | Credit | DTI | Active C | CRDDTI187 | Debt Ratio ><br>50% | Yes | DTI of 61.97%<br>is over<br>guideline<br>maximum of<br>50%. The<br>appraisal<br>shows $1,730<br>monthly HOA.<br>Lender used<br>$144.17/month<br>HOA ($1,730<br>annual). Per<br>budget HOA<br>for subject is<br>$856.55. HOA<br>must be<br>verified and<br>DTI must meet<br>guides.<br>Additional<br>conditions<br>may apply. | 12/17/2025:<br>Received<br>updated LP<br>and 1008.<br>Issue still is<br>HOA on<br>appraisal<br>shows<br>$1,730/month.<br>Lender used<br>$144.17/month<br>using $1,730<br>as annual<br>HOA. HOA<br>for subject<br>must be<br>verified. | 12/17/2025:<br>Exception<br>remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 699 is 79 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;12 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA2698 | RESPA —<br>List of<br>homeowners<br>counseling<br>organizations<br>not in file | No | Missing List<br>of<br>homeowners<br>counseling<br>organizations | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 23.08% is below the guideline minimum of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $696,198.31/256.14 PITIA which is > guideline minimum of 8 months PITIA. |
| &nbsp;&nbsp;&nbsp;13 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Credit/<br>Mtg<br>History | Active D | CRDCRMH183 | Credit report<br>incomplete | Yes | Missing credit<br>report with<br>correct SS#<br>for B2.<br>Borrower<br>corrected SS#<br>on closing<br>docs. Credit<br>report was not<br>corrected. All<br>other pre-close<br>docs with SS#<br>have incorrect<br>SS# for<br>borrower 2.<br>Once<br>corrected, new<br>DU AUS<br>required, per<br>DU AUS. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 773 is 153 points above minimum program requirement of 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has over 65 months mortgage payment history 0x30.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 277 months. |
| &nbsp;&nbsp;&nbsp;17 | XXXXXX | XXXXXX | RI | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score not<br>available due<br>to property<br>type. Clayton<br>to order desk<br>review. | 12.4.25 Desk<br>review<br>received value<br>supported. | 12.4.25<br>Exception<br>Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 784 is above guideline minimum credit score requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $45,475.42 or 9.85 months of PITI(A).AUS reserves requirement $27,690.09. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;19 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Credit | Terms/<br>Guidelines | Satisfied C A | CRDTER3122 | Loan<br>documents<br>do not meet<br>guideline<br>requirements | No | Missing 3rd<br>party evidence<br>that the XXX

#XXX in the<br>amount of<br>$305,358.00<br>to support its<br>omission from<br>the debt as<br>required by<br>DU Findings<br>Item 12.<br>Missing the<br>payment<br>history of<br>XXX loan<br>with a balance<br>of $301,000.<br>and payment<br>of $2,350.47<br>and XXX with<br>a balance of<br>$1,239,510.31<br>and payment<br>of $5,787.38<br>per DU Item<br>13 | 12/17/2025:<br>Received Final<br>CD showing new<br>refi. | 12/17/2025:<br>Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: The borrower has occupied the primary residence for 11 years 6 months.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been with the employer for 25 years 9 months.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets: $464,098.65 (95.86 months PITIA reserves) > min required reserves of $104,713.24 |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | XXXXXX | AZ | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing $453,392.79<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 762 Rep score |
| &nbsp;&nbsp;&nbsp;21 | XXXXXX | XXXXXX | NJ | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score is:<br>Not<br>Performed.<br>Clayton to<br>order desk<br>review. | 12/8/2025: Copy<br>of the appraisal<br>was uploaded.<br>Still need<br>CDA.12/10/2025:<br>Received CDA<br>supporting value. | 12/8/2025:<br>Exception<br>remains.12/10/2025:<br>Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 803 is above guideline minimum required credit score of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 9.83% is < max allowable per guides of 45% |
| &nbsp;&nbsp;&nbsp;23 | XXXXXX | XXXXXX | AZ | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 758 is 138 points above minimum program requirement of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 78 months.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower on current job for 6 years and 5 months. |
| &nbsp;&nbsp;&nbsp;26 | XXXXXX | XXXXXX | NJ | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification<br>of some or<br>all<br>components<br>of<br>non-subject<br>PITI | No | 1. Missing<br>borrower<br>letter of<br>explanation or<br>other<br>satisfactory<br>documentation<br>to verify no<br>HOA expense<br>for XXX,<br>XXX, XXX<br>and XXX. 2.<br>Missing<br>current<br>verification of<br>HOA<br>expenses of<br>$580.38 for<br>XXX and<br>$654.79 for<br>XXX.<br>Verifications<br>of HOA<br>expenses<br>provided for<br>these<br>properties are<br>date in<br>2024.3.<br>Missing<br>verification of<br>HOA expense<br>of $307.79 for<br>XXX. | 12/10/2025:<br>Received docs<br>for REOs for<br>HOA. Nothing<br>noted for<br>property info.<br>Clayton verified<br>no XXX on<br>XXX; No HOA<br>for XXX; no<br>HOA for XXX;<br>$256/mo HOA<br>for XXX on<br>XXX; $242/mo<br>HOA for XXX<br>on XXX;<br>$274/mo HOA<br>for XXX on<br>XXX. | 12/10/2025:<br>Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 7 years at current residence. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;26 | XXXXXX | XXXXXX | NJ | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>No LCA<br>score<br>established.<br>Clayton to<br>order desk<br>review. | 12/8/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 7 years at current residence. |
| &nbsp;&nbsp;&nbsp;28 | XXXXXX | XXXXXX | MA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 783 is 163 points above minimum program requirement of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 434 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 87 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;29 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied D A | CMPTRID5107 | TRID —<br>Seller CD<br>not in file;<br>need in<br>order to<br>complete<br>fee entry | No | TRID —<br>Seller CD<br>not in file;<br>need in<br>order to<br>complete<br>fee entry<br>and/or<br>verify fees<br>paid. | 12.22.2025<br>— Seller<br>CD<br>received | 12.22.2025<br>-Exception<br>satisfied | Not<br>Applicable | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 794 is 174 points above minimum program requirement of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 183 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has over 99 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;29 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan<br>Approved<br>PIW.<br>Clayton to<br>order BPO. | 12/8/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 794 is 174 points above minimum program requirement of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 183 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has over 99 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;29 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan<br>Approved<br>PIW.<br>Clayton to<br>order BPO. | 12/8/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 794 is 174 points above minimum program requirement of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 183 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has over 99 months mortgage payment history 0x30. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/QM<br>Status** | **Loan Level<br>ATR/QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;31 | XXXXXX | XXXXXX | NM | (No Data) | ATR/QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 10 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 806 is 186 points above the 620 required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of $695,766.23 is $662,759.48 greater than the $33,006.75 reserves required. |
| &nbsp;&nbsp;&nbsp;37 | XXXXXX | XXXXXX | AZ | QM: Safe<br>Harbor<br>(APOR) | QM: Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 776 > is above guideline minimum credit score 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $114,990.82 or 49.41 months of PITIA. AUS Reserves Required $14,165.18. |
| &nbsp;&nbsp;&nbsp;43 | XXXXXX | XXXXXX | AZ | (No Data) | ATR/QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>score ><br>2.5.<br>Clayton<br>to order<br>desk<br>review. | 12/10/2025:<br>Received CDA<br>supporting value. | 12/10/2025:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 5 years at current residence.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: CB has 9.11 years at current profession<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: CB has 9.4 years at current residence. |
| &nbsp;&nbsp;&nbsp;47 | XXXXXX | XXXXXX | CA | (No Data) | ATR/QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 23.16% is below the guideline minimum of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 782 is 142 points above minimum program requirement of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 73.95% |
| &nbsp;&nbsp;&nbsp;49 | XXXXXX | XXXXXX | DE | QM:<br>Rebuttable<br>Presumption<br>(APOR) | QM:<br>Rebuttable<br>Presumption<br>(APOR) D A | Compliance | Documentation | Satisfied D A | CMPDOC5551 | Missing<br>sufficient<br>documentation<br>to determine<br>the QM Fee<br>limit, QM<br>APR and/or<br>TIL/State<br>Higher-Priced<br>APR or State<br>regulation fee<br>tests | No | Missing<br>Final<br>CD. | 12.16.2025 —<br>Same CD XXX<br>received esigned<br>on XXX.<br>Missing CD<br>signed by<br>borrower at<br>closing<br>XXX.12.24.2025<br>— Signed Final<br>CD received. | 12.16.2025 -<br>Exception<br>remains12.24.2025<br>-Exception<br>satisfied | Hybrid | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 40.74% is below the guideline minimum of 45%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Credit score of 798 is 178 points above minimum program requirement of 620. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/**<br> **QM**<br> **Status** | **Loan**<br> **Level**<br> **ATR/**<br> **QM**<br> **Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;49 | XXXXXX | XXXXXX | DE | QM:<br>Rebuttable<br>Presumption<br>(APOR) | QM:<br>Rebuttable<br>Presumption<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>CU score<br>not<br>provided.<br>Clayton to<br>order desk<br>review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 40.74% is below the guideline minimum of 45%.<br>CFCFS2860: Good credit history - Clayton Comments: Credit score of 798 is 178 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;50 | XXXXXX | XXXXXX | MA | QM: Safe<br>Harbor<br>(APOR) | QM: Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 31.27% is below the guideline max of 45%..<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 62.45%.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 808 is 188 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;54 | XXXXXX | XXXXXX | NC | (No Data) | ATR/QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>LCA (or<br>CU) score<br>is >2.5.<br>Clayton to<br>order desk<br>review | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 774 is 154 points above minimum program requirement of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 292 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has over 58 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;58 | XXXXXX | XXXXXX | WA | (No Data) | ATR/QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing reserves: $59,133.85<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 72.24%; Max 90%<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 798 score |
| &nbsp;&nbsp;&nbsp;59 | XXXXXX | XXXXXX | GA | QM: Safe<br>Harbor<br>(APOR) | QM: Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>score ><br>2.5.<br>Clayton to<br>order desk<br>review | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 720 exceeds n620 the minimum required per lender guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves in the amount of $116,434.37 exceeds $20,028.36 the minimum required per lender guidelines<br>CFCFS5269: Minimal use of credit - Clayton Comments: Minimal user of revolving credit<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower does not have any major mortgage related occurrences during the past two years |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 20.71% is below the guideline maximum of 45%.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 720 is 100 points above minimum program requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $40,939.12 / 18.33 months PITI > min required of $22129.75. |
| &nbsp;&nbsp;&nbsp;65 | XXXXXX | XXXXXX HI | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.4 calculated DTI<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 770 rep score<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing $600,358.74 |
| &nbsp;&nbsp;&nbsp;66 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification<br>of some or<br>all<br>components<br>of<br>non-subject<br>PITI | No | Missing<br>evidence of<br>new PITI for<br>refinanced<br>REO<br>properties for<br>XXX and<br>XXX | 12/8/2025:<br>Received<br>all required<br>docs. | 12/8/2025:<br>Exception<br>satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 792 is 172 points above minimum program requirement of 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has over 63 months mortgage payment history 0x30.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 244 months. |
| &nbsp;&nbsp;&nbsp;67 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA —<br>Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the<br>loan file is<br>missing<br>documents<br>to complete<br>the ATR/<br>QM review<br>and render<br>an accurate<br>ATR/QM<br>status. | No | 1. Missing<br>proof of new<br>PITI expenses<br>for XXX of<br>$4,647.24 and<br>XXX of<br>$5,872.62.<br>Documentation<br>in file indicates<br>borrower<br>refinanced<br>these two<br>properties and<br>qualifying with<br>new PITI<br>expenses<br>however they<br>are not<br>documented in<br>file.2. Missing<br>borrower letter<br>of explanation<br>or other<br>satisfactory<br>documentation<br>to support no<br>HOA for<br>XXX, XXX,<br>and XXX as<br>qualified with. | 12/8/2025:<br>Received<br>all required<br>docs for<br>item #1.<br>Received<br>verification<br>no HOA<br>for XXX<br>Clayton<br>looked up<br>XXX and<br>XXX —<br>no HOA. | 12/8/2025:<br>Exception<br>satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 792 is 172 points above minimum program requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $1,031,255 in post close reserves which exceed required reserves $147,191.03. |
| &nbsp;&nbsp;&nbsp;67 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification<br>of some or<br>all<br>components<br>of<br>non-subject<br>PITI | No | 1. Missing<br>proof of new<br>PITI expenses<br>for XXX of<br>$4,647.24 and<br>XXX of<br>$5,872.62.<br>Documentation<br>in file indicates<br>borrower<br>refinanced<br>these two<br>properties and<br>qualifying with<br>new PITI<br>expenses<br>however they<br>are not<br>documented in<br>file.2. Missing<br>borrower letter<br>of explanation<br>or other<br>satisfactory<br>documentation<br>to support no<br>HOA for<br>XXX, XXX,<br>and XXX as<br>qualified with. | 12/8/2025:<br>Received<br>all required<br>docs for<br>item #1.<br>Received<br>verification<br>no HOA<br>for XXX<br>Clayton<br>looked up<br>XXX and<br>XXX —<br>no HOA. | 12/8/2025:<br>Exception<br>satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 792 is 172 points above minimum program requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $1,031,255 in post close reserves which exceed required reserves $147,191.03. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/<br>Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;68 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Title | Satisfied D A | CRDTIL796 | Missing Title | No | Missing Title<br>work | 12/9/2025: Title<br>Work received<br>has $XXX<br>coverage. Loan<br>amount is<br>$XXX. Provide<br>updated Title<br>Report<br>verifying<br>coverage<br>requirement<br>met.12/12/2025:<br>Received Final<br>Title. | 12/9/2025:<br>Exception<br>remains.12/12/2025:<br>Exception satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 792. Minimum required 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing assets $1,031,906.61 or 206.56 months PITI reserves. Required reserves $151,011.56<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Calculated DTI 39.78%. Max 45% |
| &nbsp;&nbsp;&nbsp;74 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD:<br>Loan<br>consummated<br>before end of<br>waiting<br>period | No | Please provide<br>evidence that<br>borrower<br>acknowledged<br>receipt of CD<br>3 days prior to<br>consummation<br>date of XXX | 12.16.2025 -<br>edisclosure<br>tracking<br>received | 12.16.2025 -<br>Exception satisfied (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 14 yrs time at current residence<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 20yrs time at current job |
| &nbsp;&nbsp;&nbsp;74 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved<br>,Clayton to<br>order BPO | 12/9/2025:<br>Received BPO<br>supporting<br>value. | 12/9/2025:<br>Exception satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 14 yrs time at current residence<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 20yrs time at current job |
| &nbsp;&nbsp;&nbsp;75 | XXXXXX | XXXXXX | AL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer in the past: 8 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 7 years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x46<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $34,410.58 or 20.78 months of PITI. DU AUS required reserves $9,936.38. |
| &nbsp;&nbsp;&nbsp;78 | XXXXXX | XXXXXX | CA | (No<br>Data) | ATR/<br>QM:<br>Exempt |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: calculated DTI 40.41%/ Max is 50%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Post closing reserves: $75,286.48 > min required reserves of $39,735.20<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 750 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 0.00% |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;80 | XXXXXX | XXXXXX CA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 30.22% is below the guideline maximum of 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 781 is 161 points above minimum program requirement of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 63.76%; guidelines allow 75%. |
| &nbsp;&nbsp;&nbsp;82 | XXXXXX | XXXXXX NC | (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO. | 12/8/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 802 is 182 points above minimum program requirement of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 72.72%; guidelines allow 85%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 192 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $169,689/71.69 PITIA which is > guideline minimum. |
| &nbsp;&nbsp;&nbsp;82 | XXXXXX | XXXXXX NC | (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO. | 12/8/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 802 is 182 points above minimum program requirement of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 72.72%; guidelines allow 85%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 192 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $169,689/71.69 PITIA which is > guideline minimum. |
| &nbsp;&nbsp;&nbsp;84 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Assets | Satisfied D A | CRDAST2354 | Asset<br>Verification<br>In File is<br>Incomplete<br>Per<br>Requirements | No | Missing<br>XXX<br>account in<br>the amount<br>of<br>$104026.39 | 12/12/2025:<br>Received<br>updated<br>1003 and<br>AUS<br>removing<br>account.<br>FTC sill<br>met, no<br>reserves<br>required. | 12/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 797 FICO score is above the 620 min.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 26.33% DTI is below the 45% max. |
| &nbsp;&nbsp;&nbsp;84 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA (or<br>CU) score<br>is >2.5.<br>Clayton to<br>order desk<br>review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 797 FICO score is above the 620 min.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 26.33% DTI is below the 45% max. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM**<br> **Status** | **Loan**<br> **Level**<br> **ATR/<br>QM**<br> **Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;89 | XXXXXX | XXXXXX | WI | QM:<br>Rebuttable<br>Presumption<br>(APOR) | QM:<br>Rebuttable<br>Presumption<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 22 years at current job<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 792 fico score, Minimum FICO is 620<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $29159.59 or19.54 months of P&I |
| &nbsp;&nbsp;&nbsp;91 | XXXXXX | XXXXXX | NJ | QM: Safe<br>Harbor<br>(APOR) | QM: Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>LCA (or<br>CU) score<br>is >2.5.<br>Clayton to<br>order<br>deskreview. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 798 is 178 points above minimum program requirement of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 130 months.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 37.95% IS below the guideline minimum of 45%. |
| &nbsp;&nbsp;&nbsp;97 | XXXXXX | XXXXXX | CA | QM: Safe<br>Harbor<br>(APOR) | QM: Safe<br>Harbor<br>(APOR) D B A | Credit | Title | Satisfied D A | CRDTIL865 | Title<br>incomplete | No | Prelim title<br>in file<br>doesn't<br>reflect<br>coverage<br>amount. | 12/12/2025:<br>Received<br>Final Title<br>showing<br>$XXX<br>coverage. | 12/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 694 is 74 points above minimum program requirement of 620.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 64.81%; guidelines allow 90%.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $157,854.55/52.01 PITIA which is > guideline minimum. |
| &nbsp;&nbsp;&nbsp;97 | XXXXXX | XXXXXX | CA | QM: Safe<br>Harbor<br>(APOR) | QM: Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO. | 12/8/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 694 is 74 points above minimum program requirement of 620.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 64.81%; guidelines allow 90%.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $157,854.55/52.01 PITIA which is > guideline minimum. |
| &nbsp;&nbsp;&nbsp;97 | XXXXXX | XXXXXX | CA | QM: Safe<br>Harbor<br>(APOR) | QM: Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO. | 12/8/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 694 is 74 points above minimum program requirement of 620.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 64.81%; guidelines allow 90%.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $157,854.55/52.01 PITIA which is > guideline minimum. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/**<br> **QM**<br> **Status** | **Loan**<br> **Level**<br> **ATR/**<br> **QM**<br> **Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;99 | XXXXXX | XXXXXX | CA | QM:<br>Rebuttable<br>Presumption<br>(APOR) | QM:<br>Rebuttable<br>Presumption<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 7 years and 8 months<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 707 is 87 points above program guideline minimum of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months |
| &nbsp;&nbsp;&nbsp;100 | XXXXXX | XXXXXX | CA | (No Data) | ATR/QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 46.39% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 771 is 151 points above minimum program requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have $383,866.39/76.35 PITIA which is > guideline minimum. |
| &nbsp;&nbsp;&nbsp;103 | XXXXXX | XXXXXX | TX | QM: Safe<br>Harbor<br>(APOR) | QM: Safe<br>Harbor<br>(APOR) C A | Credit | Insurance | Satisfied C A | CRDINSR5353 | Insurance<br>Expiration<br>date is prior<br>than the<br>transaction<br>date | No | HOI policy in file has<br>policy period<br>10/30/2024-10/17/2025.<br>Policy expired prior to<br>closing. Provide<br>renewal dec page and<br>verify premium has not<br>increased as there was<br>no premium collected<br>in Final CD. Additional<br>conditions may apply. | 12/12/2025: Received<br>HOI for<br>10/17/2025-10/17/2026. | 12/12/2025:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 9 years and 9 months<br>CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 18 years<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 759 is 139 points above program guideline minimum of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months |
| &nbsp;&nbsp;&nbsp;103 | XXXXXX | XXXXXX | TX | QM: Safe<br>Harbor<br>(APOR) | QM: Safe<br>Harbor<br>(APOR) C A | Credit | Terms/<br>Guidelines | Satisfied C A | CRDTER3122 | Loan<br>documents<br>do not meet<br>guideline<br>requirements | No | 12/12/2025: Exception<br>added after review of<br>trailing docs: HOI<br>renewal received for<br>10/17/2025-10/17/2026<br>has a premium of<br>$1,523, which is an<br>increase from $1,447<br>for previous policy<br>period. Provide<br>evidence the HOI<br>premium was collected<br>and corrected CD<br>including LOX, proof<br>sent to borrower for<br>higher premium,<br>evidence collected and<br>new payment of<br>$126.92/mo. | 12/22/2025: Received.<br>updated PCCD, LOX<br>and proof HOI paid. | 12/22/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 9 years and 9 months<br>CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 18 years<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 759 is 139 points above program guideline minimum of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months |
| &nbsp;&nbsp;&nbsp;106 | XXXXXX | XXXXXX | UT | (No Data) | ATR/QM:<br>Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 790 is 170 points above minimum program requirement of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 133 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has over 53 months mortgage payment history 0x30. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;110 | XXXXXX | XXXXXX | TX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification<br>of some or<br>all<br>components<br>of<br>non-subject<br>PITI | No | File is<br>missing<br>insurance<br>policy for<br>REO at<br>XXX | 12/24/2025:<br>Received<br>HOI for<br>REO. | 12/24/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 778 is 158 points above minimum program requirement of 620.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; guidelines allow 85%.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 17.01%. Max allowed is 45%. |
| &nbsp;&nbsp;&nbsp;114 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | Documentation | Satisfied C A | CMPDOC101 | Unresolved<br>title issue | No | Title has<br>insured<br>amount of<br>$XXX but<br>the Note<br>amount is<br>$XXX. | 12/12/2025:<br>Received<br>Final Title<br>showing<br>$XXX<br>coverage. | 12/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 738 > is above guideline minimum credit score 620.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV: 70% is 5 points below the program guideline maximum 75%. |
| &nbsp;&nbsp;&nbsp;121 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $360,307.53 exceed required reserves $4,146.94.<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 52 mos. 0x30.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 775 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;123 | XXXXXX | XXXXXX | CA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement - Clayton Comments: 30.41% DTI below maximum allowed 45% per guidelines.<br>CFCFS2860: Good credit history - Clayton Comments: Excellent credit history with no late pay/derog line items. 757 Median Credit Score, Oldest Trade 01/2001<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $454,557.49 (48.78 months PITIA reserves) > Required Reserves are $25,460.52 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 101 consecutive months mortgage payment history exceeds 24 month credit review guidelines |
| &nbsp;&nbsp;&nbsp;125 | XXXXXX | XXXXXX | CA | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score<br>was not<br>performed.<br>Clayton to<br>order desk<br>review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 790 > is above guideline minimum credit score 620. CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 10 or more years. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;127 | XXXXXX | XXXXXX | MA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer credit show 0x30x99.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Mortgage history reflects 0 x 30 for the past 99 months.<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in this line of work in the past: 5 years. |
| &nbsp;&nbsp;&nbsp;130 | XXXXXX | XXXXXX | NC | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>LCA<br>score is<br>>2.5.<br>Clayton<br>to order<br>desk<br>review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 812 qualifying score. Min required per guidelines is 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 9.26%, max per guidelines is 45%.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed with XXX and XXX for 9 years and 7 months. |
| &nbsp;&nbsp;&nbsp;136 | XXXXXX | XXXXXX | OH | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>Clayton<br>to order<br>desk<br>review | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 790 is 170 points above program guideline minimum of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months |
| &nbsp;&nbsp;&nbsp;138 | XXXXXX | XXXXXX | OR | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 85%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 796 is 176 points above minimum program requirement of 620.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX for more than 24 years. |
| &nbsp;&nbsp;&nbsp;145 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>score is<br>5.0.<br>Clayton<br>to order a<br>desk<br>review | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Required reserves is $0.00 and verified reserves is $100,604.30 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;146 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 796 is 176 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 13.96% is below max allowed of 45%<br>. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $197876.77 post close reserves. DU requires $24,612.08. |
| &nbsp;&nbsp;&nbsp;149 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>CU score<br>is >2.5.<br>Clayton to<br>order desk<br>review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 806 is 186 points above minimum program requirement of 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has over 57 months mortgage payment history 0x30.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 181 months. |
| &nbsp;&nbsp;&nbsp;150 | XXXXXX | XXXXXX | MN | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 80.00% below program maximum 85.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves $3,031,199.12 exceeds required reserves $22,194.45.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 50 mos. 0x30.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 6 years at current residence. |
| &nbsp;&nbsp;&nbsp;151 | XXXXXX | XXXXXX | IL | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>CU score<br>not<br>provided.<br>Clayton to<br>order desk<br>review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 22.62%; Max is 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Rep score is 790 |
| &nbsp;&nbsp;&nbsp;161 | XXXXXX | XXXXXX | TX | (No<br>Data) | ATR/<br>QM:<br>Exempt D | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification<br>of some or<br>all<br>components<br>of<br>non-subject<br>PITI | No | 1. Missing<br>verification<br>of XXX<br>payment of<br>$3,248.00<br>is full PITI<br>expense as<br>qualified<br>with.2.<br>Missing<br>verification<br>of XXX<br>payment of<br>$1,611.00<br>is full PITI<br>expense as<br>qualified<br>with.3.<br>Missing<br>verification<br>XXX<br>payment of<br>$1,890.00<br>is full PITI<br>expense as<br>qualified<br>with.4.<br>Missing<br>verification<br>of tax<br>expense<br>for XXX<br>to support<br>tax/<br>insurance<br>expense of<br>$1,047.08<br>as<br>qualified<br>with. Only<br>evidence<br>of hazard<br>in file. | 12/10/2025:<br>Received<br>PITI<br>verification<br>for XXX<br>$3,248.03;<br>received<br>PITI<br>verification<br>for XXX<br>$1,611.43;<br>P&I, HOI,<br>taxes for<br>XXX; taxes<br>for XXX. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 75.00% below program maximum 85.00%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 54 mos. 0x30, 37 mos. 0x30. 41 mos. 0x30 and 10 mos. 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves $228,581.53 exceeds required reserves $45,323.42. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;161 | XXXXXX | XXXXXX | TX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | Income/<br>Employment | Satisfied D A | CRDINC2408 | Income<br>verification<br>does not<br>meet<br>guidelines | No | Missing current<br>pay stub for<br>borrower and<br>most recent two<br>years W2s or a<br>fully executed<br>standard Written<br>VOE as required<br>by DU alert 17.<br>Only pay stubs<br>from 2024/2023<br>and 1040/1040<br>transcript in file.<br>Reviewer unable<br>to verify base and<br>bonus earnings<br>used to qualify. | 12/10/2025: Received<br>2 months paystubs &<br>2024/2023 W2s. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 75.00% below program maximum 85.00%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 54 mos. 0x30, 37 mos. 0x30. 41 mos. 0x30 and 10 mos. 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves $228,581.53 exceeds required reserves $45,323.42. |
| &nbsp;&nbsp;&nbsp;161 | XXXXXX | XXXXXX | TX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | Legal<br>Documents | Satisfied D A | CRDLGL2996 | Missing<br>Trust<br>Documents | No | Missing trust<br>documents to<br>validate trust is<br>acceptable. | 12/10/2025: Received<br>Cert of Trust. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 75.00% below program maximum 85.00%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 54 mos. 0x30, 37 mos. 0x30. 41 mos. 0x30 and 10 mos. 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves $228,581.53 exceeds required reserves $45,323.42. |
| &nbsp;&nbsp;&nbsp;164 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA -<br>Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the<br>loan file is<br>missing<br>documents<br>to complete<br>the ATR/<br>QM review<br>and render<br>an accurate<br>ATR/QM<br>status. | No | 1. Missing Verbal<br>verification of<br>employment for<br>XXX borrower<br>within 120 days<br>of note date,<br>business license.<br>LP condition

#XXX. 2.<br>Primary XXX<br>missing mortgage<br>statement and<br>hazard policy.3.<br>Investment at<br>XXX missing<br>mortgage<br>statement, hazard<br>policy and taxes. | 12/8/2025: Received<br>verification business<br>is active as of<br>XXX.12/8/2025:<br>Received Taxes and<br>HOI for XXX - per<br>HOI there is a<br>Mortgagee with<br>XXX. Still need<br>Mortgage<br>statement.12/8/2025:<br>Received Mortgage<br>statement for XXX-<br>escrowed.12/12/2025:<br>Received taxes and<br>HOI info, added to<br>PITI. | 12/8/2025:<br>Exception<br>remains for<br>mortgage stmnt<br>for<br>XXX12/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 773 Credit score exceeds guidelines of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $149,740.34 or 27.94 months exceeds LP required $68,906.22. |
| &nbsp;&nbsp;&nbsp;164 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Affiliate Business<br>Disclosure<br>missing | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 773 Credit score exceeds guidelines of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $149,740.34 or 27.94 months exceeds LP required $68,906.22. |
| &nbsp;&nbsp;&nbsp;164 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification<br>of some or<br>all<br>components<br>of<br>non-subject<br>PITI | No | Primary XXX<br>missing mortgage<br>statement and<br>hazard<br>policy.Investment<br>at XXX missing<br>mortgage<br>statement, hazard<br>policy and taxes. | 12/8/2025: Received<br>Taxes and HOI for<br>XXX - per HOI there<br>is a Mortgagee with<br>XXX. Still need<br>Mortgage<br>statement.12/8/2025:<br>Received Mortgage<br>statement for XXX-<br>escrowed.12/12/2025:<br>Received taxes and<br>HOI info, added to<br>PITI. | 12/8/2025:<br>Exception<br>remains for<br>mortgage stmnt<br>for<br>XXX12/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 773 Credit score exceeds guidelines of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $149,740.34 or 27.94 months exceeds LP required $68,906.22. |

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| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;164 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Income/<br>Employment | Satisfied C A | CRDINC2488 | Verbal<br>verification<br>of<br>employment<br>missing | No | Missing<br>Verbal<br>verification of<br>employment<br>for XXX<br>borrower<br>within 120<br>days of note<br>date, business<br>license. LP<br>condition

#XXX. | 12/8/2025:<br>Received<br>verification<br>business is<br>active as of<br>XXX. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 773 Credit score exceeds guidelines of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $149,740.34 or 27.94 months exceeds LP required $68,906.22. |
| &nbsp;&nbsp;&nbsp;164 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | 3.5 LCA score.<br>Clayton to<br>order Desk<br>Review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 773 Credit score exceeds guidelines of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $149,740.34 or 27.94 months exceeds LP required $68,906.22. |
| &nbsp;&nbsp;&nbsp;168 | XXXXXX | XXXXXX HI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3658 | TRID -<br>Corrected<br>CD should<br>have been<br>provided;<br>APR is<br>greater than<br>APR 3<br>business<br>days prior<br>to closing<br>by more<br>than<br>allowable<br>tolerance | No | Please provide<br>confirmation<br>of receipt for<br>CD XXX to<br>verify<br>borrower<br>received notice<br>of APR<br>increase 3 days<br>prior to<br>consummation. | 12.16.2025<br>- evidence<br>provided<br>CD XXX<br>received on<br>XXX. | 12.16.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 804 > is above guideline minimum credit score 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $56,488.77 or 13.16 months of PITIA. AUS Reserves Required $25,257.45. |
| &nbsp;&nbsp;&nbsp;168 | XXXXXX | XXXXXX HI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score is:<br>Not<br>Performed.<br>Clayton to<br>order desk<br>review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 804 > is above guideline minimum credit score 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $56,488.77 or 13.16 months of PITIA. AUS Reserves Required $25,257.45. |
| &nbsp;&nbsp;&nbsp;169 | XXXXXX | XXXXXX MA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation. CU<br>score not<br>provided.<br>Clayton to<br>order desk<br>review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 800 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 1.86%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been an XXX for XXX for 15 years |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;172 | XXXXXX | XXXXXX | WA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36 below 45 max<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0 x 30 in 85 months |
| &nbsp;&nbsp;&nbsp;175 | XXXXXX | XXXXXX | GA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $304,005.91 / 133.43 months PITIA > min required of $64,427.50.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: CB has been with current employer for more than 11 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 766 is 146 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;176 | XXXXXX | XXXXXX | AL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | $29.51<br>Zero<br>tolerance<br>due to<br>increase in<br>City/State<br>Tax<br>Stamps<br>($8.70)<br>and<br>Discount<br>fee<br>($20.81)<br>on FCD<br>dated XXX<br>without a<br>valid CoC.<br>Requires<br>CoC, or<br>corrected<br>PCCD,<br>copy of<br>refund<br>check,<br>LOX and<br>verification<br>of<br>shipping. | 12.16.2025<br>- COC<br>provided | 12.16.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 17 yrs time at current residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 20 yrs time in profession |
| &nbsp;&nbsp;&nbsp;176 | XXXXXX | XXXXXX | AL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>LCA score<br>> 2.5.<br>Clayton to<br>order desk<br>review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 17 yrs time at current residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 20 yrs time in profession |
| &nbsp;&nbsp;&nbsp;180 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Please<br>provide<br>Affiliate<br>Business<br>Disclosure. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 794 > is above guideline minimum credit score 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $229,828.78 or 88.13 months of PITIA. AUS Reserves Required $15,848.68. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;180 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score<br>is: Not<br>Performed.<br>Clayton to<br>order desk<br>review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 794 > is above guideline minimum credit score 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $229,828.78 or 88.13 months of PITIA. AUS Reserves Required $15,848.68. |
| &nbsp;&nbsp;&nbsp;182 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA — Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage rule;<br>the loan file is<br>missing<br>documents to<br>complete the<br>ATR/QM<br>review and<br>render an<br>accurate ATR/<br>QM status. | No | Missing<br>prior year<br>W2 or<br>WVOE/<br>Income in<br>file to<br>support<br>B1's<br>income.<br>Please<br>provide<br>missing<br>documents.<br>LP allows<br>two<br>options for<br>wage<br>income.<br>Docs in the<br>file<br>complete<br>one for<br>each<br>option<br>only. | 12/12/2025:<br>Received<br>12/2024 &<br>12/2023<br>paystubs.<br>This is<br>sufficient. | 12/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 5 years and 5 months<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 791 is 171 points above program guideline minimum of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: 21.40% DTI is below guideline requirement of 50.00%. |
| &nbsp;&nbsp;&nbsp;182 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Credit | Income/<br>Employment | Satisfied C A | CRDINC888 | Income<br>Amount is<br>Unsupported<br>by<br>Documentation<br>in File | No | Missing<br>prior year<br>W2 or<br>WVOE/<br>Income in<br>file to<br>support<br>B1's<br>income.<br>Please<br>provide<br>missing<br>documents.<br>LP allows<br>two<br>options for<br>wage<br>income.<br>Docs in the<br>file<br>complete<br>one for<br>each<br>option<br>only. | 12/12/2025:<br>Received<br>12/2024 &<br>12/2023<br>paystubs.<br>This is<br>sufficient. | 12/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 5 years and 5 months<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 791 is 171 points above program guideline minimum of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: 21.40% DTI is below guideline requirement of 50.00%. |
| &nbsp;&nbsp;&nbsp;183 | XXXXXX | XXXXXX | TX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements - Clayton Comments: 61.73% LTV; Max is 90%<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: 24.88% calculated DTI; Max is 50%<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing reserves: $$427,281.38 |
| &nbsp;&nbsp;&nbsp;184 | XXXXXX | XXXXXX | UT | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified assets $35,245.73, none required.<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage payment history is positive over the review period. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;1070 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA2698 | RESPA —<br>List of<br>homeowners<br>counseling<br>organizations<br>not in file | No | Provide List<br>of<br>homeowners<br>counseling<br>organizations. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 80.00% LTV below guideline requirements of 85.00% per program.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 800 is 180 points above program guideline minimum of 620. |
| &nbsp;&nbsp;&nbsp;1070 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing cu<br>score;<br>Clayton to<br>order desk<br>review | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 80.00% LTV below guideline requirements of 85.00% per program.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 800 is 180 points above program guideline minimum of 620. |
| &nbsp;&nbsp;&nbsp;192 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification of<br>some or all<br>components of<br>non-subject<br>PITI | No | Please<br>provide<br>verification<br>the of the<br>following<br>properties<br>Tax and HOI<br>amounts or<br>proof they are<br>escrowed:<br>XXX, XXX<br>and XXX.<br>Additional<br>exceptions<br>may apply. | 12/8/2025:<br>Received<br>PITI mtg<br>stmnt for<br>XXX;<br>HOI &<br>Taxes for<br>XXX;<br>HOI &<br>Taxes for<br>XXX | 12/8/2025Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 40.23% is below the guideline minimum of 45%.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 775 is 155 points above minimum program requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $52,972.89/27 PITIA which is > guideline minimum of $33,007.90, 12.42 months PITIA. |
| &nbsp;&nbsp;&nbsp;192 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Income/<br>Employment | Satisfied D A | CRDINC3204 | Income<br>Documentation<br>Missing | No | Direct<br>verification<br>by a third<br>party<br>employment<br>verification<br>vender<br>completed w/<br>in 120 of note<br>date missing<br>from loan<br>file. | 12/8/2025:<br>Received<br>verification<br>business is<br>active<br>XXX. | 12/8/2025:<br>Exception satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 40.23% is below the guideline minimum of 45%.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 775 is 155 points above minimum program requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $52,972.89/27 PITIA which is > guideline minimum of $33,007.90, 12.42 months PITIA. |
| &nbsp;&nbsp;&nbsp;192 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation: No<br>CU Score<br>provided.<br>Clayton to<br>order desk<br>review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 40.23% is below the guideline minimum of 45%.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 775 is 155 points above minimum program requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $52,972.89/27 PITIA which is > guideline minimum of $33,007.90, 12.42 months PITIA. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;195 | XXXXXX | XXXXXX | FL | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>Clayton to<br>order desk<br>review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 767 is 147 points above minimum program requirement of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 157 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has over 50 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;196 | XXXXXX | XXXXXX | WI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | APR<br>Tolerance | Satisfied B A | CMPAPRT110 | APR —<br>Insufficient<br>Information<br>for<br>APR-Payment<br>Stream<br>Testing | No | Missing MI<br>cert unable to<br>complete<br>APR-Payment<br>Stream<br>Testing. | 12.10.2025<br>Lender<br>provided<br>mi Cert | 12.12.2025<br>Exception<br>Satisfied | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 706 is 86 points above minimum program requirement of 620.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 15 years and 10 months.<br>CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current primary residence for 17 years 2 months.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets $29,260.97 or 12.91 months PITI. DU AUS required reserves $4,530.61. |
| &nbsp;&nbsp;&nbsp;196 | XXXXXX | XXXXXX | WI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | Documentation | Satisfied C A | CMPDOC5455 | Mortgage<br>Insurance<br>required but<br>MI Certificate<br>is missing | No | Mortgage<br>insurance<br>certification<br>not in file.<br>Cert to<br>support<br>expense<br>$175.28 per<br>month used to<br>qualify. | 12.10.2025<br>Lender<br>provided<br>mi Cert | 12.12.2025<br>Exception<br>Satisfied | Not<br>Applicable | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 706 is 86 points above minimum program requirement of 620.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 15 years and 10 months.<br>CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current primary residence for 17 years 2 months.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets $29,260.97 or 12.91 months PITI. DU AUS required reserves $4,530.61. |
| &nbsp;&nbsp;&nbsp;196 | XXXXXX | XXXXXX | WI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation: No<br>CU score<br>established.<br>Clayton to<br>order desk<br>review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 706 is 86 points above minimum program requirement of 620.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 15 years and 10 months.<br>CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current primary residence for 17 years 2 months.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets $29,260.97 or 12.91 months PITI. DU AUS required reserves $4,530.61. |
| &nbsp;&nbsp;&nbsp;199 | XXXXXX | XXXXXX | NC | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>LCA score is<br>>No Score<br>Available.<br>Clayton to<br>order desk<br>review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $244,565.32 or 44.46 months of PITIA.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer credit show 0x30x84.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Mortgage history reflects 0 x 30 for the past 46 months.<br>CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence for the past: 23 years. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/QM<br>Status** | **Loan Level<br>ATR/QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;200 | XXXXXX | XXXXXX | CA | (No Data) | ATR/QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 12 years with current employer, B2 has 21 years with employer.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 782 FICO score. Minimum required 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI verified at 32.36. Max DTI per guidelines is 45.0. |
| &nbsp;&nbsp;&nbsp;202 | XXXXXX | XXXXXX | OH | (No Data) | ATR/QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score not<br>provided.<br>Clayton to<br>order desk<br>review. | 12/8/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 745 is above guideline minimum credit score 620.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV: 50.51% is 24.49 points below the program guideline maximum 75%. |
| &nbsp;&nbsp;&nbsp;204 | XXXXXX | XXXXXX | WA | QM: Safe<br>Harbor<br>(APOR) | QM: Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 668 Credit score exceeds guidelines of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing reserves $59,727.44 or 20.08 months PITIA exceed DU required $5,948.02 amount. |
| &nbsp;&nbsp;&nbsp;205 | XXXXXX | XXXXXX | CA | (No Data) | ATR/QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | File is<br>missing CU<br>score.<br>Clayton to<br>order desk<br>review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 762 > is above guideline minimum credit score 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $69,039.60 or 11.22 months of PITIA. AUS Reserves Required $36,820.25. |
| &nbsp;&nbsp;&nbsp;207 | XXXXXX | XXXXXX | MA | QM:<br>Rebuttable<br>Presumption<br>(APOR) | QM:<br>Rebuttable<br>Presumption<br>(APOR) D A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA —<br>Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the<br>loan file is<br>missing<br>documents<br>to<br>complete<br>the ATR/<br>QM<br>review<br>and render<br>an<br>accurate<br>ATR/QM<br>status. | No | Missing MI<br>Mortgage<br>Cert to<br>support<br>expense<br>$95.74/month<br>used to<br>qualify. | 12/8/2025:<br>Received<br>MI Cert. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 35.83 is below max guides of 50.00%<br>CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 15 years at current primary.<br>CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: CB has 15 years at current job. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/QM<br>Status** | **Loan Level<br>ATR/QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;207 | XXXXXX | XXXXXX MA | QM:<br>Rebuttable<br>Presumption<br>(APOR) | QM:<br>Rebuttable<br>Presumption<br>(APOR) D A | Compliance | APR<br>Tolerance | Satisfied B A | CMPAPRT110 | APR -<br>Insufficient<br>Information<br>for<br>APR-Payment<br>Stream<br>Testing | No | Unable to<br>complete<br>APR<br>testing due<br>to missing<br>MI Cert | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 35.83 is below max guides of 50.00%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 15 years at current primary.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: CB has 15 years at current job. |
| &nbsp;&nbsp;&nbsp;207 | XXXXXX | XXXXXX MA | QM:<br>Rebuttable<br>Presumption<br>(APOR) | QM:<br>Rebuttable<br>Presumption<br>(APOR) D A | Compliance | Documentation | Satisfied C A | CMPDOC5455 | Mortgage<br>Insurance<br>required but<br>MI Certificate<br>is missing | No | Missing MI<br>cert | 12/8/2025:<br>Received<br>MI Cert. | 12/8/2025:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 35.83 is below max guides of 50.00%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 15 years at current primary.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: CB has 15 years at current job. |
| &nbsp;&nbsp;&nbsp;207 | XXXXXX | XXXXXX MA | QM:<br>Rebuttable<br>Presumption<br>(APOR) | QM:<br>Rebuttable<br>Presumption<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>No LCA<br>score<br>established.<br>Clayton to<br>order desk<br>review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 35.83 is below max guides of 50.00%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 15 years at current primary.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: CB has 15 years at current job. |
| &nbsp;&nbsp;&nbsp;208 | XXXXXX | XXXXXX CA | QM: Safe<br>Harbor<br>(APOR) | QM: Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No UCDP<br>in the file.<br>Clayton to<br>order a<br>desk<br>review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 25 years at current job |
| &nbsp;&nbsp;&nbsp;211 | XXXXXX | XXXXXX CA | (No Data) | ATR/QM:<br>Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70.84% LTV below guideline requirements of 85.00% per program.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 20 years and 7 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 784 is 164 points above program guideline minimum of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39.87% DTI is below guideline requirement of 45.00%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;213 | XXXXXX | XXXXXX | NJ | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No LCA/<br>CU score.<br>Clayton to<br>order desk<br>review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 707. Minimum required 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing assets $77,753.83 or 28.55 months PITI reserves. Required Reserves $36,733.53<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX over 10 years |
| &nbsp;&nbsp;&nbsp;214 | XXXXXX | XXXXXX | MA | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>No LCA<br>score<br>established.<br>Clayton to<br>order desk<br>review. | 12/10/2025:<br>CDA<br>received<br>reviewed<br>appraisal<br>from<br>7/20/2023.<br>Provide<br>correct<br>CDA<br>showing<br>appraisal<br>9/29/2025<br>with $XXX<br>value has<br>been<br>reviewed<br>and<br>supports<br>value.<br>12.12.25<br>Desk<br>review<br>received<br>lower value<br>$XXX<br>supported. | 12/12/2025:<br>Exception<br>Satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 770 FICO score is above the 660 min.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 31.56% DTI is below the 45% max.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $107,932.46 or 28.45 months PITIA. LP AUS required reserves $30,851.02.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: 59.344% LTV is below the 85% max. |
| &nbsp;&nbsp;&nbsp;215 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan<br>approved<br>with PIW.<br>Clayton to<br>order BPO. | 12/8/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 774 fico score, Minimum FICO is 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $15050.25 or 8 months of P&I |
| &nbsp;&nbsp;&nbsp;215 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan<br>approved<br>with PIW.<br>Clayton to<br>order BPO. | 12/8/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 774 fico score, Minimum FICO is 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $15050.25 or 8 months of P&I |
| &nbsp;&nbsp;&nbsp;1067 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Compliance | Texas<br>Home<br>Equity | Satisfied D B | CMPTXHE117 | TX<br>Equity -<br>Missing<br>Affidavit<br>of Fair<br>Market<br>Value | No | Please<br>provide<br>Missing<br>Affidavit<br>of Fair<br>Market<br>Value. | 12/8/2025:<br>Received<br>fully<br>executed<br>FMV<br>Affidavit. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 44.75yrs tenure as partner in major professional firm with current employer<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 38.44% LTV below maximum allowed 80% LTV per guidelines<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: 1040 2024/2023 reported XXX income not used in qualifying. XXX Income $109,542 reported on 2024/$9128.50 per month<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 84 consecutive months current mortgage payment history exceeds guideline 24 month credit review<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 34.76% DTI below 45% maximum allowed per guidelines. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;1067 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated<br>valuation | No | CU<br>returned<br>no score.<br>Clayton to<br>order<br>Desk<br>Review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 44.75yrs tenure as partner in major professional firm with current employer<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 38.44% LTV below maximum allowed 80% LTV per guidelines<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: 1040 2024/2023 reported XXX income not used in qualifying. XXX Income $109,542 reported on 2024/$9128.50 per month<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 84 consecutive months current mortgage payment history exceeds guideline 24 month credit review<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 34.76% DTI below 45% maximum allowed per guidelines. |
| &nbsp;&nbsp;&nbsp;216 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File contains<br>Property<br>Inspection Waiver<br>(PIW)/AW | No | Loan<br>approved<br>with PIW.<br>Clayton to<br>order<br>BPO. | 12/8/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 22 years in profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 779 fico score, Minimum FICO is 620 |
| &nbsp;&nbsp;&nbsp;216 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated<br>valuation | No | Loan<br>approved<br>with PIW.<br>Clayton to<br>order<br>BPO. | 12/8/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 22 years in profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 779 fico score, Minimum FICO is 620 |
| &nbsp;&nbsp;&nbsp;217 | XXXXXX | XXXXXX | MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | APR<br>Tolerance | Satisfied B A | CMPAPRT110 | APR—Insufficient<br>Information for<br>APR-Payment<br>Stream Testing | No | MI<br>Certificate<br>is missing<br>from doc<br>file. | 12.10.2025<br>Lender<br>provided<br>MI Cert. | 12.11.2025<br>Exception<br>Satisfied | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 743 is 123 points above program guideline minimum of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for months<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 35.61% DTI is below guideline requirement of 50.00%. |
| &nbsp;&nbsp;&nbsp;217 | XXXXXX | XXXXXX | MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C | Compliance | Documentation | Satisfied C A | CMPDOC5455 | Mortgage<br>Insurance required<br>but MI Certificate<br>is missing | No | MI<br>Certificate<br>is missing<br>from doc<br>file. | 12.10.2025<br>Lender<br>provided<br>MI Cert. | 12.11.2025<br>Exception<br>Satisfied | Not<br>Applicable | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 743 is 123 points above program guideline minimum of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for months<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 35.61% DTI is below guideline requirement of 50.00%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;217 | XXXXXX | XXXXXX MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>third party<br>valuation,<br>Clayton to<br>order desk<br>review | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 743 is 123 points above program guideline minimum of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for months<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 35.61% DTI is below guideline requirement of 50.00%. |
| &nbsp;&nbsp;&nbsp;219 | XXXXXX | XXXXXX MD | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>LCA<br>Score in<br>file to<br>support<br>appraised<br>value.<br>Clayton to<br>order desk<br>review | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 7 years and 10 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 784 is 164 points above program guideline minimum of 620.<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 FOR 60+ months<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.42% DTI is below guideline requirement of 45.00%. |
| &nbsp;&nbsp;&nbsp;221 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has 7 years & 11 months at current job<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 12 points below maximum guideline.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 118 points above guideline minimum of 620 |
| &nbsp;&nbsp;&nbsp;225 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>score is<br>>2.5.<br>Clayton to<br>order desk<br>review. | 12.4.25<br>Desk<br>review<br>received<br>value<br>supported. | 12.4.25<br>Exception<br>Satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close reserves are $113,550.44. Required reserves are $29,959.86.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x99.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been with current employer for 18 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer in the past: 23 years. |
| &nbsp;&nbsp;&nbsp;227 | XXXXXX | XXXXXX IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>CU score<br>not<br>provided.<br>Clayton to<br>order desk<br>review | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x99.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 36 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer in the past: 11 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the past: 12 years.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $174,969.41 or 49.78 months of PITI. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;232 | XXXXXX | XXXXXX | DE | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 5 years 6 months.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $453,240.07. Required reserves $40,605.36 |
| &nbsp;&nbsp;&nbsp;236 | XXXXXX | XXXXXX | CA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 743 > is above guideline minimum credit score 620.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV: 80% is 5 points below the program guideline maximum 85%. |
| &nbsp;&nbsp;&nbsp;239 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>score n/<br>a.<br>Clayton<br>to order<br>desk<br>review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 113 consecutive months mortgage payment history exceeds guideline 24 month credit review<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 13.67yrs tenure with current employer<br>CFCFS2860: Good credit history - Clayton Comments: Good credit history with no late pay/derog line items. 747 median credit score, 6/1987 oldest trade line |
| &nbsp;&nbsp;&nbsp;241 | XXXXXX | XXXXXX | AZ | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 816 is 196 points above minimum program requirement of 620.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 59.63%; guidelines allow 85%.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 19.93% is below the guideline minimum of 50%. |
| &nbsp;&nbsp;&nbsp;243 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3626 | TRID — CD:<br>Loan<br>consummated<br>before end of<br>waiting<br>period | No | Final LE<br>XXX e<br>signed<br>XXX<br>and<br>Initial<br>CD e<br>signed<br>XXX.<br>Need<br>evidence<br>last LE<br>XXX<br>was<br>viewed<br>prior to<br>Intiial<br>CD<br>XXX. | 12.18.2025<br>-Esign<br>summary<br>provided. | 12.18.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 4 years & 5 months current job<br>CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 20 years at current residence<br>CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 has 10 years and 2 months at current job CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 181 points above guideline minimum of 620 |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;245 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has 8.167yrs tenure with current employer<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: 69.89% LTV below maximum allowed LTV of 75% per guidelines<br>CFCFS2860: Good credit history - Clayton Comments: Excellent credit history with no late pay/derog line items. 745 Median Credit Score |
| &nbsp;&nbsp;&nbsp;246 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation<br>to support<br>original<br>appraised<br>value.<br>Clayton to<br>order desk<br>review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 22.26%; guidelines allow 45%<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at employer for over 7 years<br>CFCFS2860: Good credit history - Clayton Comments: borrower has a credit score of 800 |
| &nbsp;&nbsp;&nbsp;247 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID4993 | TRID CD:<br>The Total<br>Fixed<br>Payment<br>disclosed<br>in at least<br>one<br>column of<br>the<br>Projected<br>Payments<br>section of<br>the Final<br>Closing<br>Disclosure<br>does not<br>match the<br>Total<br>Fixed<br>Payment<br>Clayton<br>that<br>calculates. | No | MI<br>Certificate<br>in file<br>reflects<br>0.27% for<br>120<br>months and<br>$0.20% for<br>240<br>months.<br>The Final<br>CD dated<br>XXX<br>reflects a<br>360 month<br>payment at<br>the 0.27%<br>MI<br>calculation.<br>Amounts<br>do not<br>match. | 12.18.2025<br>— LOX<br>and PCCD<br>received | 12.18.2025<br>—<br>Exception<br>saisfied | Numeric | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 13 years at current job<br>CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Bonus income not used to qualify<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 776 fico score, Minimum FICO is 620 |
| &nbsp;&nbsp;&nbsp;247 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID5037 | TRID —<br>CD: The<br>Mortgage<br>Insurance<br>Payment<br>disclosed<br>in at least<br>one<br>column of<br>the<br>Projected<br>Payments<br>section of<br>the Final<br>Closing<br>Disclosure<br>does not<br>match the<br>Mortgage<br>Insurance<br>Payment<br>that<br>Clayton<br>calculates. | No | MI<br>Certificate<br>in file<br>reflects<br>0.27% for<br>120<br>months and<br>$0.20% for<br>240<br>months.<br>The Final<br>CD dated<br>XXX<br>reflects a<br>360 month<br>payment at<br>the 0.27%<br>MI<br>calculation.<br>Amounts<br>do not<br>match. | 12.18.2025<br>— LOX<br>and PCCD<br>received | 12.18.2025<br>-Exception<br>satisfied | Numeric | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 13 years at current job<br>CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Bonus income not used to qualify<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 776 fico score, Minimum FICO is 620 |
| &nbsp;&nbsp;&nbsp;249 | XXXXXX | XXXXXX | IL | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 25.89% is below Guidelines 45% maximum.<br>CFCFS5269: Minimal use of credit - Clayton Comments: Credit usage ratio is low at 5.71%.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $600,293.33 exceed LP required of $18,044.22. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;250 | XXXXXX | XXXXXX | FL | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close asset $38,278.40 or 10.47 PITIA<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 80% |
| &nbsp;&nbsp;&nbsp;252 | XXXXXX | XXXXXX | TX | (No<br>Data) | ATR/<br>QM:<br>Exempt B A | Compliance | Compliance<br>Manual | Active B | CMPMAN2990 | 1003 -<br>Final<br>Application<br>is not<br>Accurate | No | DOB for<br>B1 on the<br>final 1003<br>is<br>incorrect<br>showing<br>XXX<br>when<br>drivers<br>license<br>shows<br>XXX | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $157,386.33/59 PITIA which is > $97,673.50 AUS requirement<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%: guidelines allow 85% |
| &nbsp;&nbsp;&nbsp;254 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Active D | CMPATRQM3220 | TILA -<br>Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the<br>loan file is<br>missing<br>documents<br>to complete<br>the ATR/<br>QM review<br>and render<br>an accurate<br>ATR/QM<br>status. | Yes | The loan<br>file is<br>missing<br>XXX (B2)<br>2025<br>XXX<br>Letter<br>needed to<br>verify<br>XXX<br>monthly<br>XXX<br>income of<br>$2,365.00. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The borrowers lower middle credit score is 797, which is points 177higher than the benchmark score of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: The borrowers have a Debt to income back ratio of 37.86% which is 12.14% lower than the max debt to income ratio of 50.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrowers have total cash asset reserves of $519,402.74, which is equivalent to 255.18 months of PITIA reserves. Calculation: $519,402.74 $42,035.45 = 255.18 months of PITIA. Cash reserves exceed 12 months of PITIA.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: The borrowers have not had any 30-day, 60-day, or 90-day late payments on all Mortgage Accounts for the past 24 months. |
| &nbsp;&nbsp;&nbsp;254 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D A | Credit | Income/<br>Employment | Active D | CRDINC2408 | Income<br>verification<br>does not<br>meet<br>guidelines | Yes | The loan<br>file is<br>missing<br>XXX (B2)<br>2025<br>XXX<br>Letter<br>needed to<br>verify<br>XXX<br>monthly<br>XXX<br>income of<br>$2,365.00. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The borrowers lower middle credit score is 797, which is points 177higher than the benchmark score of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: The borrowers have a Debt to income back ratio of 37.86% which is 12.14% lower than the max debt to income ratio of 50.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrowers have total cash asset reserves of $519,402.74, which is equivalent to 255.18 months of PITIA reserves. Calculation: $519,402.74 $42,035.45 = 255.18 months of PITIA. Cash reserves exceed 12 months of PITIA.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: The borrowers have not had any 30-day, 60-day, or 90-day late payments on all Mortgage Accounts for the past 24 months. |
| &nbsp;&nbsp;&nbsp;254 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | XXX<br>LCA<br>score is<br>>2.5.<br>Clayton to<br>order desk<br>review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The borrowers lower middle credit score is 797, which is points 177higher than the benchmark score of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: The borrowers have a Debt to income back ratio of 37.86% which is 12.14% lower than the max debt to income ratio of 50.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrowers have total cash asset reserves of $519,402.74, which is equivalent to 255.18 months of PITIA reserves. Calculation: $519,402.74 $42,035.45 = 255.18 months of PITIA. Cash reserves exceed 12 months of PITIA.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: The borrowers have not had any 30-day, 60-day, or 90-day late payments on all Mortgage Accounts for the past 24 months. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;262 | XXXXXX | XXXXXX | OR | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 24.85% is below the minimum of 45%<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: ASSETS: Borrower has $1,010,952.80 in post-closing reserves, 388 PITIA in total reserves. Guidelines require $19,098.34 |
| &nbsp;&nbsp;&nbsp;269 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan<br>approved<br>with<br>PIW.<br>Clayton<br>to order<br>BPO. | 12/8/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 5.1 years at current residence.<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 22 years at current profession.<br>CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: CB has 15 years at current profession. |
| &nbsp;&nbsp;&nbsp;269 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan<br>approved<br>with<br>PIW.<br>Clayton<br>to order<br>BPO. | 12/8/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 5.1 years at current residence.<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 22 years at current profession.<br>CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: CB has 15 years at current profession. |
| &nbsp;&nbsp;&nbsp;271 | XXXXXX | XXXXXX | PA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession - Clayton Comments: The borrower has been in the same line of work for 20 years.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $187,203.76Required reserves $18,445.28 per LP. |
| &nbsp;&nbsp;&nbsp;274 | XXXXXX | XXXXXX | IL | (No<br>Data) | ATR/<br>QM:<br>Exempt |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence - Clayton Comments: 7 years at current residence<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: 23 years at current job<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 744 fico score, Minimum FICO is 620 |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;276 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Mortgage history reflects 0 x 30 for the past 25 months.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer credit show 0x30x99.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Consumer credit show 0x30x99.<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in this line of work in the past: 10 years.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $908,394.50 or 477.71 months of PITIA. |
| &nbsp;&nbsp;&nbsp;278 | XXXXXX | XXXXXX | AR | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence - Clayton Comments: 7 years at current residence<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 fico score, Minimum FICO is 620<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $75458.52 or 45.35 months of P&I Reserves are $1663.96 x 3 number of months = $4991.88 |
| &nbsp;&nbsp;&nbsp;280 | XXXXXX | XXXXXX | TX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 24.23% is above the minimum program requirements of 50%<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV for Subject Property is below guideline max LTV of 85%<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score 761 > 141 points of minimum guideline requirements of 620. |
| &nbsp;&nbsp;&nbsp;281 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 12/8/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 16+ years at present job<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: 0 x 30 in 59 months |
| &nbsp;&nbsp;&nbsp;281 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 12/8/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 16+ years at present job<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: 0 x 30 in 59 months |

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| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;283 | XXXXXX | XXXXXX | MD (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 mid score > min required of 620<br>CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 12 Years at Current Residence<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 13 Years in Current Profession |
| &nbsp;&nbsp;&nbsp;285 | XXXXXX | XXXXXX | MO (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | Credit/<br>Mtg<br>History | Satisfied D A | CRDCRMH149 | Missing<br>support<br>docs for<br>VOM/<br>VOR (e.g.<br>cancelled<br>checks) | No | Provide<br>evidence to<br>support the<br>payoff and<br>exclusion of<br>XXX Bank<br>LOC

#XXX with<br>a balance of<br>$450,801.00<br>and a<br>payment of<br>$2,240.00<br>as identified<br>per AUS<br>Findings,<br>Code XXX. | 12/17/2025:<br>Received<br>Release of<br>Deed and<br>Release of<br>Lien. | 12/17/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 75 is below guideline requirement max of 85.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 786 exceeds guidelines requirement of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 20.55 is below guideline requirement max of 45.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves of $83,134.80 or 43.48 months PITI reserve exceeds AUS required reserves of $11,470.80.<br>CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Additional Borrower documented K1 income from XXX Employment ($25060) Less M-3b meals and entertainment ($297.00) or $24,763/12 = $2,063.58 was not used in qualifying. |
| &nbsp;&nbsp;&nbsp;288 | XXXXXX | XXXXXX | TX (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO | 12/8/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 270 months credit history exceeds guidelines.<br>CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence 10+ years.<br>CFCFS2860: Good credit history - Clayton Comments: Borrower demonstrates good credit history. |
| &nbsp;&nbsp;&nbsp;288 | XXXXXX | XXXXXX | TX (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan<br>approved<br>with PIW.<br>Clayton to<br>order BPO. | 12/8/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 270 months credit history exceeds guidelines.<br>CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence 10+ years.<br>CFCFS2860: Good credit history - Clayton Comments: Borrower demonstrates good credit history. |
| &nbsp;&nbsp;&nbsp;294 | XXXXXX | XXXXXX | TN (No<br>Data) | ATR/<br>QM:<br>Exempt D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>LCA score<br>is >2.5.<br>Clayton to<br>order<br>deskreview. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 779 is 159 points above minimum program requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $174657.94/10.34 PITIA which is > guideline minimum. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| 297 | XXXXXX | XXXXXX | OR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>LCA score<br>was not<br>available.<br>Clayton to<br>order desk<br>review. | 12/10/2025:<br>Received<br>CDA not<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1744:<br>DTI below<br>guideline<br>requirement<br>- Clayton<br>Comments:<br>35.66% DTi<br>is below the<br> 45% max <br> CFCFS1731:<br>Verified<br>cash reserves<br>exceed<br>guidelines -<br>Clayton<br>Comments:<br>$298733 in<br>reserves is<br>above the<br>required<br>$17208.<br>CFCFS1741:<br>Credit score<br>exceeds<br>guidelines -<br>Clayton<br>Comments:<br>803 FICO<br>score is<br>above the<br>620 min. |
| 297 | XXXXXX | XXXXXX | OR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A B | Property<br>Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property<br>Value Not<br>Supported | No | 12/10/2025:<br>Exception<br>added after<br>review of<br>trailing<br>docs: CDA<br>came in at<br>$XXX,<br>(-18.23%)<br>below<br>value.<br>Clayton to<br>order Field<br>Review<br>ETA 12/22 | 12.22.2025<br>Field<br>Review<br>received<br>value<br>supported. | 12.22.2025<br>Exception<br>Satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1744:<br>DTI below<br>guideline<br>requirement<br>- Clayton<br>Comments:<br>35.66% DTi<br>is below the<br> 45% max <br> CFCFS1731:<br>Verified<br>cash reserves<br>exceed<br>guidelines -<br>Clayton<br>Comments:<br>$298733 in<br>reserves is<br>above the<br>required<br>$17208.<br>CFCFS1741:<br>Credit score<br>exceeds<br>guidelines -<br>Clayton<br>Comments:<br>803 FICO<br>score is<br>above the<br>620 min. |
| 298 | XXXXXX | XXXXXX | WA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737:<br>LTV below<br>guideline<br>requirements<br>- Clayton<br>Comments:<br>Qualifying<br>LTV 75.00%<br>below<br>program<br>maximum<br> 85.00%. <br> CFCFS1731:<br>Verified<br>cash reserves<br>exceed<br>guidelines -<br>Clayton<br>Comments:<br>Post close<br>reserves<br>$42,138.14<br>exceeds<br>required<br>reserves<br>$19,526.97.<br>CFCFS2854:<br>Significant<br>time in<br>profession -<br>Clayton<br>Comments:<br>Borrower<br>has 12 years<br>in same line<br>of work. |
| 299 | XXXXXX | XXXXXX | CA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734:<br>Borrower<br>has<br>significant<br>time at<br>current job -<br>Clayton<br>Comments:<br>B1 has 4<br>years & 2<br>months at<br> current job <br> CFCFS1735:<br>Co-Borrower<br>has<br>significant<br>time at<br>current job -<br>Clayton<br>Comments:<br>B2 has 12<br>years & 3<br>months at<br>current job<br>CFCFS1741:<br>Credit score<br>exceeds<br>guidelines -<br>Clayton<br>Comments:<br>Median<br>FICO 174<br>points above<br>guideline<br>minimum of<br>620 |
| 300 | XXXXXX | XXXXXX | CA | (No<br>Data) | ATR/<br>QM:<br>Exempt D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO | 12/8/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1736:<br>Significant<br>time at<br>current<br>residence -<br>Clayton<br>Comments:<br>5 Years and<br>11 months at<br>current<br> residence. <br> CFCFS2854:<br>Significant<br>time in<br>profession -<br>Clayton<br>Comments:<br>14 years and<br>9 months in<br>current<br>profession<br>CFCFS1731:<br>Verified<br>cash reserves<br>exceed<br>guidelines -<br>Clayton<br>Comments:<br>Post Close<br>Assets are<br>$155,839.63<br>or 46.23<br>PITIA > min<br>required<br>reserves of<br>$20,225.57<br>CFCFS1741:<br>Credit score<br>exceeds<br>guidelines -<br>Clayton<br>Comments:<br>799 mid<br>score > min<br>required of<br>620 |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;300 | XXXXXX | XXXXXX | CA | (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan<br>approved<br>with PIW.<br>Clayton to<br>order BPO. | 12/8/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 5 Years and 11 months at current residence.<br>CFCFS2854: Significant time in profession - Clayton Comments: 14 years and 9 months in current profession<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $155,839.63 or 46.23 PITIA > min required reserves of $20,225.57<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 799 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;301 | XXXXXX | XXXXXX | TX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | UCDP-SSR<br>in file<br>returned no<br>LCA Score<br>to support<br>appraised<br>value.<br>Clayton to<br>order desk<br>review | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 80.00% LTV below guideline requirements of 85.00% per program.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 809 is 189 points above program guideline minimum of 620. |
| &nbsp;&nbsp;&nbsp;302 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | The<br>required<br>Affiliate<br>Business<br>Disclosure<br>is missing. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 787 is 167 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 23.49% is below the guideline maximum of 45%.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $23,044.37 or 8.90 months of P&I > Required Reserves of $15,539.22 |
| &nbsp;&nbsp;&nbsp;302 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score is<br>> 2.5.<br>Clayton to<br>order desk<br>review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 787 is 167 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 23.49% is below the guideline maximum of 45%.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $23,044.37 or 8.90 months of P&I > Required Reserves of $15,539.22 |
| &nbsp;&nbsp;&nbsp;305 | XXXXXX | XXXXXX | VA | (No<br>Data) | ATR/<br>QM:<br>Exempt D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | UCPD for<br>XXX did<br>not have a<br>score,<br>Clayton to<br>order Desk<br>Review | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: Post Close Assets are $781,309.29 or 230 months PITIAReserves required $37,974.86<br>CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has a low credit line usage ration of 8.34%<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 37 months of mortgage payment history 0x30. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;307 | XXXXXX | XXXXXX | TX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Mortgage history reflects 0 x 30 for the past 50 months.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer credit show 0x30x99.<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in this line of work in the past: 10 years.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $391,661.97 or 176.68 |
| &nbsp;&nbsp;&nbsp;312 | XXXXXX | XXXXXX | OR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 12/9/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/9/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $831,127.66 or 159.03 PITIA<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 79.45%; guidelines allow 80%. |
| &nbsp;&nbsp;&nbsp;312 | XXXXXX | XXXXXX | OR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 12/9/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/9/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $831,127.66 or 159.03 PITIA<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 79.45%; guidelines allow 80%. |
| &nbsp;&nbsp;&nbsp;313 | XXXXXX | XXXXXX | PA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence - Clayton Comments: 3 Years and 0 months at current residence.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 701 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;314 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>the<br>Affiliated<br>Business<br>Disclosure. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 62; guidelines allow 80.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $507,826.10 or 99.09 PITIA |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;317 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 690 FICO score exceeds minimum FICO requirements by 70 points<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: No lates listed with XXX XXX and 25 months payment history on the credit report<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: Low DTI of 25% |
| &nbsp;&nbsp;&nbsp;325 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>LCA<br>score not<br>obtained.<br>Clayton to<br>order desk<br>review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer credit show 0x30x99.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Mortgage history reflects 0 x 30 for the past 45 months.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $871,434.38 or 310.43 months of PITIA. > min required assets of $0<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in this line of work in the past: 10 years. |
| &nbsp;&nbsp;&nbsp;332 | XXXXXX | XXXXXX | KS | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession - Clayton Comments: Both borrowers have significant time in profession, 7+ years.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: 26.71% DTI below guideline requirement of 45%.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing reserves $31,474.50 or 18.91 months PITIA exceed LP required amount of $20,407.28 reserves. |
| &nbsp;&nbsp;&nbsp;334 | XXXXXX | XXXXXX | MD | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $170,566.15<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer credit show 0x30x82.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Mortgage history reflects 0 x 30 for the past 47 months.<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in this line of work in the past: 8 years. |
| &nbsp;&nbsp;&nbsp;337 | XXXXXX | XXXXXX | MN | (No<br>Data) | ATR/<br>QM:<br>Exempt B | Compliance | Repayment<br>Ability | Active B | CMPSTRA1499 | MN Home<br>Loan -<br>Repayment<br>Ability<br>Worksheet<br>is Not in<br>File - Fed<br>Inst | No | Missing<br>the ATR<br>Worksheet | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been XXX for 9 years 9 months<br>CFCFS2854: Significant time in profession - Clayton Comments: The borrower has been in his profession for 21 years<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-Closing Assets: $220,189.53-$40,203.02 required reserves = $179,986.51/$2,523.83 PITIA = 71.31 additional months reserves. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;337 | XXXXXX | XXXXXX | MN | (No<br>Data) | ATR/<br>QM:<br>Exempt B A | Credit | Credit/Mtg<br>History | Active B | CRDCRMH123 | No<br>evidence<br>of required<br>debt<br>payoff | No | Missing<br>evidence of<br>the debt<br>payoff on<br>the<br>following<br>per Item 12<br>of the DU<br>Findings:<br>XXX

#XXX-<br>$318,005.00<br>balance;<br>XXX#XXX-<br>$247,965.00<br>balance &<br>XXX#XXX-<br>$357,447.71<br>balance. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been XXX for 9 years 9 months<br>CFCFS2854: Significant time in profession - Clayton Comments: The borrower has been in his profession for 21 years<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-Closing Assets: $220,189.53-$40,203.02 required reserves = $179,986.51/$2,523.83 PITIA = 71.31 additional months reserves. |
| &nbsp;&nbsp;&nbsp;338 | XXXXXX | XXXXXX | MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | Repayment<br>Ability | Active B | CMPSTRA1499 | MN Home<br>Loan -<br>Repayment<br>Ability<br>Worksheet<br>is Not in<br>File - Fed<br>Inst | No | Missing<br>Ability To<br>Repay<br>Worksheet | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been XXX for 9 years 9 months.<br>CFCFS2854: Significant time in profession - Clayton Comments: The borrower has been in his profession for 21 yeas<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 752 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;338 | XXXXXX | XXXXXX | MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>CU score ><br>2.5. Clayton<br>to order desk<br>review | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been XXX for 9 years 9 months.<br>CFCFS2854: Significant time in profession - Clayton Comments: The borrower has been in his profession for 21 yeas<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 752 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;341 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence - Clayton Comments: 4 Years and 0 months at current residence.<br>CFCFS2854: Significant time in profession - Clayton Comments: 10 years and 0 months in current profession |
| &nbsp;&nbsp;&nbsp;342 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 mid score > min required of 620<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.57% DTI < max permitted of 45%<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 with current employer for 24 years<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets: $1,411,676.84 (404.78 months PITIA reserves) > min required reserves of $6,975.06 |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;349 | XXXXXX | XXXXXX | NV | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 779. Guideline minimum is 620.<br>CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence 25 years, 10 months.<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been employed in profession 23 years, 11 months. |
| &nbsp;&nbsp;&nbsp;352 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current line of work for 30 years.<br>CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have lived at current residence for 21.17 years.<br>CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers' revolving credit utilization ratio is 26%. |
| &nbsp;&nbsp;&nbsp;353 | XXXXXX | XXXXXX | NJ | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>LCA<br>score is<br>>00.<br>Clayton to<br>order desk<br>review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence for the past: 18 years.<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in this line of work in the past: 9 years. |
| &nbsp;&nbsp;&nbsp;356 | XXXXXX | XXXXXX | TX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA (or<br>CU) score<br>is >2.5.<br>Clayton to<br>order desk<br>review. | 12/8/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 30.27%/ maximum is 50%<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score is 817/minimum score is 620<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total available assets are $928,806.28 - Required funds to close are $87,593.63; required reserves are $20,305.52 post close remaining reserves are $820,907 or 296 months PITI |
| &nbsp;&nbsp;&nbsp;358 | XXXXXX | XXXXXX | GA | (No<br>Data) | ATR/<br>QM:<br>Exempt |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 11.42 years at primary residence.<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 20.5 years in the current profession<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: 0X30X20 mortgage payment history. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;359 | XXXXXX | XXXXXX | TN | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No LCA<br>score<br>established.<br>Clayton to<br>order desk<br>review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 36.90% is below Guidelines 45% maximum.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 62.37% is below Guidelines 75% maximum.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves of 673,353.73 exceed required of $25,138.22. |
| &nbsp;&nbsp;&nbsp;362 | XXXXXX | XXXXXX | MO | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 37.98% is below Guidelines 45% maximum.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves of $153,063.81 exceed required reserves of $18,801.42.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 mid credit score > min required of 620 |
| &nbsp;&nbsp;&nbsp;364 | XXXXXX | XXXXXX | TN | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>LCA score<br>is >3.<br>Clayton to<br>order desk<br>review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 7 years.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 63 months.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x82.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $167,300.15 or 96.12 months of PITI. Required PITI Reserves are $69,675.14. |
| &nbsp;&nbsp;&nbsp;370 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA (or<br>CU) score<br>is >2.5.<br>Clayton to<br>order desk<br>review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: o x 30 in 50 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4yrs time at current residence<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0 x 30 in 95 months |
| &nbsp;&nbsp;&nbsp;371 | XXXXXX | XXXXXX | TN | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 8.083yrs tenure with current employer<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 57 months current consecutive months mortgage payment history exceeds 24 month guideline credit review<br>CFCFS2860: Good credit history<br> - Clayton Comments: Excellent credit history with no late pay/derog line items. 815/794 Median Credit Scores, Oldest Trades 3/2001 & 4/2008. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;376 | XXXXXX | XXXXXX | MI | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 12/8/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has 8 years at current job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 5 years & 8 months at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 189 points above guideline minimum of 620<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower mortgage payment 0x30x60<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrower DTI is 24 points below guideline maximum. |
| &nbsp;&nbsp;&nbsp;376 | XXXXXX | XXXXXX | MI | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan<br>approved<br>with<br>PIW.<br>Clayton<br>to order<br>BPO. | 12/8/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has 8 years at current job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 5 years & 8 months at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 189 points above guideline minimum of 620<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower mortgage payment 0x30x60<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrower DTI is 24 points below guideline maximum. |
| &nbsp;&nbsp;&nbsp;379 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | Compliance<br>Manual | Active B | CMPMAN2992 | 1003 —<br>Initial<br>Application<br>is not<br>Accurate | No | Per<br>Mavent<br>and<br>disclosure<br>tracking<br>app date<br>is XXX<br>and<br>earliest<br>1003<br>provided<br>is dated<br>XXX.<br>Missing<br>Initial<br>1003 for<br>TRID<br>timing<br>purposes. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 FICO score is above the 620 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $2,683,467 in reserves is above the 0 required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV is below the 90% max. |
| &nbsp;&nbsp;&nbsp;379 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | RESPA | Active B | CMPRESPA2700 | RESPA —<br>List of<br>homeowners<br>counseling<br>organizations<br>not provided<br>w/in 3 days<br>of<br>application | No | Per<br>Mavent<br>and<br>disclosure<br>tracking<br>app date<br>is XXX<br>and<br>earliest<br>HCO<br>provided<br>is dated<br>XXX.<br>Missing<br>Initial<br>HCO<br>issued<br>within 3<br>days of<br>app date<br>XXX. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 FICO score is above the 620 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $2,683,467 in reserves is above the 0 required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV is below the 90% max. |
| &nbsp;&nbsp;&nbsp;379 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3552 | TRID —<br>Loan<br>Estimate not<br>timely | No | Per<br>Mavent<br>and<br>disclosure<br>tracking<br>app date<br>is XXX<br>and<br>earliest<br>LE<br>provided<br>is dated<br>XXX.<br>Missing<br>Initial LE<br>issued<br>within 3<br>days of<br>app date<br>XXX. | 12.24.2025<br>— Initial<br>LE<br>provided | 12.24.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 FICO score is above the 620 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $2,683,467 in reserves is above the 0 required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV is below the 90% max. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;380 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA returned<br>3.5 score.<br>Clayton to order<br>Desk Review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 810 is 190 points above minimum program requirement of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 174 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has over 60 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;389 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Active D | CMPATRQM3220 | TILA —<br>Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the<br>loan file is<br>missing<br>documents<br>to<br>complete<br>the ATR/<br>QM review<br>and render<br>an accurate<br>ATR/QM<br>status. | Yes | 1. Updated AUS<br>required to<br>update expenses<br>to include<br>primary housing<br>expense<br>$1,311.51 in<br>DTI calculation.<br>Inclusion of the<br>expense<br>increases DTI<br>from 45.09% to<br>49.85%.<br>Reviewer<br>calculated<br>earnings<br>$9,688.96<br>however is<br>subject to<br>validation of B2<br>earnings.<br>Missing<br>documents<br>addressed in<br>another<br>exception.<br>Expenses<br>primary<br>$1,311.51 +<br>subject payment<br>$2,521.28 +<br>consumer debt<br>$997.25 for total<br>$4,830.04 /<br>earnings<br>$9,688.96 =<br>49.85%. DU<br>AUS<br>recommendation<br>must remain<br>Approve/<br>Eligible.2. File<br>is missing<br>complete copy<br>2024 1040<br>including<br>Schedule C for<br>B2. DU required<br>2 years as the<br>B2 has been<br>XXX for less<br>than 5 years.<br>Lender used<br>2024 1040 Sch<br>C income to<br>qualify as<br>reflected in the<br>income<br>worksheet in<br>file. Additional<br>documents to<br>support $785.67<br>per month used<br>to qualify. | 12/22/2025:<br>Received<br>2024 Sch<br>C. Still<br>need all<br>pages of the<br>signed/<br>dated 2024<br>1040s. | 12/22/2025:<br>Exception<br>remains. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 74.99%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 746 is 126 points above minimum program requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $128,174.95 or 50.84 months of PITI. DU AUS required reserves of $5,42.56. |
| &nbsp;&nbsp;&nbsp;389 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D A | Credit | Income/<br>Employment | Active D | CRDINC2408 | Income<br>verification<br>does not<br>meet<br>guidelines | Yes | File is missing<br>complete copy<br>2024 1040<br>including<br>Schedule C for<br>B2. DU required<br>2 years as the<br>B2 has been<br>XXX for less<br>than 5 years.<br>Lender used<br>2024 1040 Sch<br>C income to<br>qualify as<br>reflected in the<br>income<br>worksheet in<br>file. Additional<br>documents to<br>support $785.67<br>per month used<br>to qualify. | 12/22/2025:<br>Received<br>2024 Sch<br>C. Still<br>need all<br>pages of the<br>signed/<br>dated 2024<br>1040s. | 12/22/2025:<br>Exception<br>remains. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 74.99%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 746 is 126 points above minimum program requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $128,174.95 or 50.84 months of PITI. DU AUS required reserves of $5,42.56. |
| &nbsp;&nbsp;&nbsp;389 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D A | Credit | Terms/<br>Guidelines | Active D | CRDTER2548 | Missing<br>AUS or<br>AUS errors<br>present | Yes | Updated AUS<br>required to<br>update expenses<br>to include<br>primary housing<br>expense<br>$1,311.51 in<br>DTI calculation.<br>Inclusion of the<br>expense<br>increases DTI<br>from 45.09% to<br>49.85%.<br>Reviewer<br>calculated<br>earnings<br>$9,688.96<br>however is<br>subject to<br>validation of B2<br>earnings.<br>Missing<br>documents<br>addressed in<br>another<br>exception.<br>Expenses<br>primary<br>$1,311.51 +<br>subject payment<br>$2,521.28 +<br>consumer debt<br>$997.25 for total<br>$4,830.04 /<br>earnings<br>$9,688.96 =<br>49.85%. DU<br>AUS<br>recommendation<br>must remain<br>Approve/<br>Eligible. | 12/22/2025:<br>Received<br>2024 Sch<br>C. Still<br>need all<br>pages of the<br>signed/<br>dated 2024<br>1040s. | 12/22/2025:<br>Exception<br>remains. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 74.99%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 746 is 126 points above minimum program requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $128,174.95 or 50.84 months of PITI. DU AUS required reserves of $5,42.56. |
| &nbsp;&nbsp;&nbsp;389 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D A | Credit | Title | Satisfied D A | CRDTIL865 | Title<br>incomplete | No | Preliminary title<br>located in file<br>does not reflect<br>coverage<br>amount and<br>Borrowers<br>information. | 12/17/2025:<br>Received<br>Final Title<br>showing<br>sufficient<br>coverage<br>and vesting<br>for both<br>borrowers. | 12/17/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 74.99%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 746 is 126 points above minimum program requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $128,174.95 or 50.84 months of PITI. DU AUS required reserves of $5,42.56. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;391 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 24 years & 7 months at current job<br>CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 21 years at current residence<br>CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 has 16 years & 8 months at current job<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x99<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 165 points above guideline minimum of 620<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is 18 points below guideline maximum |
| &nbsp;&nbsp;&nbsp;392 | XXXXXX | XXXXXX MD | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation.<br>CU score<br>> 2.5.<br>Clayton to<br>order desk<br>review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 38 Years at Current Residence<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 47 Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $807,429.70 or 350.47 months of PITIA, Reserves Required per DU AUS = $13,823.30<br>|
| &nbsp;&nbsp;&nbsp;394 | XXXXXX | XXXXXX CA | (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 12/8/2025:<br>Received<br>BPO not<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Credit score 764 is 144 points above minimum program requirement of 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 94 months mortgage payment history 0x30.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has job stability of over 20 years with same employer. |
| &nbsp;&nbsp;&nbsp;394 | XXXXXX | XXXXXX CA | (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan<br>approved<br>with PIW.<br>Clayton to<br>order<br>BPO. | 12/8/2025:<br>Received<br>BPO not<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Credit score 764 is 144 points above minimum program requirement of 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 94 months mortgage payment history 0x30.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has job stability of over 20 years with same employer. |
| &nbsp;&nbsp;&nbsp;394 | XXXXXX | XXXXXX CA | (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Property<br>Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property<br>Value Not<br>Supported | No | 12/8/2025:<br>Exception<br>added<br>after<br>review of<br>trailing<br>docs: BPO<br>value<br>$XXX,<br>not<br>supporting<br>$XXX<br>stated<br>value.<br>Clayton to<br>order<br>Report<br>2055. | 12/12/2025:<br>Received<br>Report<br>2055<br>supporting<br>value. | 12/12/2025:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Credit score 764 is 144 points above minimum program requirement of 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 94 months mortgage payment history 0x30.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has job stability of over 20 years with same employer.<br>|

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;397 | XXXXXX | XXXXXX | NC | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $252,861.71 OR 86.6 months of PITI Required PITI Reserves are $2928.02 x 9.618 = $28163.60<br>CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers are using less than 10% of available credit<br>CFCFS2860: Good credit history - Clayton Comments: Borrower has no history of late payments |
| &nbsp;&nbsp;&nbsp;407 | XXXXXX | XXXXXX | MD | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score 781 > 161 points of minimum guideline requirements of 620.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV for Subject Property is below guideline max LTV of 85%<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 32.30% is above the minimum program requirements of 45% |
| &nbsp;&nbsp;&nbsp;408 | XXXXXX | XXXXXX | AR | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>XXX<br>LCA<br>score is<br>>2.5.<br>Clayton to<br>order desk<br>review. | 12/8/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The borrower's middle credit score is 800, which is points 180 higher than the benchmark score of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: The borrower has a Debt to income back ratio of 28.21% which is 21.79% lower than the max debt to income ratio of 50.00%.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: The borrower has not had any 30-day, 60-day, or 90-day late payments on all Mortgage Account for the past 60 months. This exceeds the guideline of 24 months.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: The primary borrower has been in on his current job for 8 years<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $107,662.05 (62.13 months PITIA reserves) > min required reserves of $53,521.96 |
| &nbsp;&nbsp;&nbsp;412 | XXXXXX | XXXXXX | IA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Mid score of 809 exceeds minimum required of 620<br>CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 37 years<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 41.58% is below maximum allowed of 45%<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves remain of $2,594,664.21, Reserves not required per LP |
| &nbsp;&nbsp;&nbsp;417 | XXXXXX | XXXXXX | CO | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 11+ years with present employer<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: 0 x 30 in 85 months |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;420 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Active D | CMPATRQM3220 | TILA — Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the loan<br>file is missing<br>documents to<br>complete the<br>ATR/QM<br>review and<br>render an<br>accurate ATR/<br>QM status. | Yes | Loan declared<br>QM Safe<br>Harbor<br>(APOR) from<br>lender/client;<br>Clayton status<br>is ATR/QM:<br>Status Pending<br>due to fees too<br>high (adjusted<br>charges are<br>$7,617.50,<br>max allowed is<br>$7,586.37;<br>$31.13 too<br>high). | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 33.15% is below the guideline maximum of 45%.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 71.83%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 781 is 161 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;420 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Active C | CMPTRID3670 | TRID — Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | Yes | Zero Tolerance<br>Fee of $5 due<br>to Credit<br>Report fee<br>increase on<br>CD XXX.<br>Provide a valid<br>Change of<br>Circumstance,<br>or Post Close<br>CD, LOX and<br>copy of refund<br>check to<br>borrower with<br>proof of<br>delivery via<br>tracking<br>method within<br>60 days of<br>consummation. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 33.15% is below the guideline maximum of 45%.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 71.83%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 781 is 161 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;421 | XXXXXX | XXXXXX | CA | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation: No<br>CU score<br>established.<br>Clayton to<br>order desk<br>review. | 12/8/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 7 years 2 months at current residence.<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 27 mos. 0x30, 3 mos. 0x30, and 59 mos. 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $56,249.44 exceed required reserves $21,974.62. |
| &nbsp;&nbsp;&nbsp;424 | XXXXXX | XXXXXX | AL | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU returned<br>no score.<br>Clayton to<br>order Desk<br>Review. | 12/12/2025:<br>Received<br>CDA<br>supporting<br>value. The<br>address<br>shows<br>XXX, but<br>the<br>description<br>shows<br>correct<br>XXX. | 12/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 24 years at current residence.<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 30 years at current profession.<br>CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: CO Borrowers has 15 years at current job. |
| &nbsp;&nbsp;&nbsp;425 | XXXXXX | XXXXXX | VA | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>LCA score not<br>obtained.<br>Clayton to<br>order desk<br>review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $53,900.11 or 21.69 PITIA > min required reserves of $12,633.06<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 mid score > min required of 620<br>CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.60% |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/QM<br>Status** | **Loan Level<br>ATR/QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;427 | XXXXXX | XXXXXX FL | QM:<br>Rebuttable<br>Presumption<br>(APOR) | QM:<br>Rebuttable<br>Presumption<br>(APOR) D B A C | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CMPATRQM2900 | TILA —<br>Loan subject<br>to Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule;<br>Clayton's<br>status<br>determination<br>places loan in<br>a riskier status<br>than the<br>Lender's<br>status<br>determination. | No | Lender<br>status Safe<br>Harbor but<br>Clayton<br>status<br>Rebuttable<br>Presumption<br>due to<br>violation of<br>Higher<br>Priced<br>Threshold<br>with Test<br>APR of<br>8.11,<br>Benchmark<br>Rate 6.61%<br>plus 1.5%<br>Margin,<br>Benchmark/<br>APR<br>Variance. | 12.16.2025<br>— Mavent<br>provided<br>reflecting<br>Rebuttable<br>Presumption<br>due to<br>violation of<br>Higher<br>Priced<br>Threshold. | 12.16.2025<br>-Exception<br>satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 39.58 is lower than program max DTI of 45.0.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 705. Program minimum credit score of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves verified at $12,977.91, required reserves per LP are $1674. |
| &nbsp;&nbsp;&nbsp;427 | XXXXXX | XXXXXX FL | QM:<br>Rebuttable<br>Presumption<br>(APOR) | QM:<br>Rebuttable<br>Presumption<br>(APOR) D B A C | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>Affiliate<br>Business<br>Disclosure | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 39.58 is lower than program max DTI of 45.0.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 705. Program minimum credit score of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves verified at $12,977.91, required reserves per LP are $1674. |
| &nbsp;&nbsp;&nbsp;427 | XXXXXX | XXXXXX FL | QM:<br>Rebuttable<br>Presumption<br>(APOR) | QM:<br>Rebuttable<br>Presumption<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | PIW BPO<br>ordered. | 12/8/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 39.58 is lower than program max DTI of 45.0.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 705. Program minimum credit score of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves verified at $12,977.91, required reserves per LP are $1674. |
| &nbsp;&nbsp;&nbsp;427 | XXXXXX | XXXXXX FL | QM:<br>Rebuttable<br>Presumption<br>(APOR) | QM:<br>Rebuttable<br>Presumption<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>valuation,<br>PIW<br>pending<br>BPO order | 12/8/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 39.58 is lower than program max DTI of 45.0.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 705. Program minimum credit score of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves verified at $12,977.91, required reserves per LP are $1674. |
| &nbsp;&nbsp;&nbsp;428 | XXXXXX | XXXXXX NJ | (No Data) | ATR/QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 21 years 6 months.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX for 10 years.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $926,570.87. Required Reserves are $$37,207.68 |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;432 | XXXXXX | XXXXXX | MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order a<br>BPO | 12/8/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 35%<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 25 years on current job |
| &nbsp;&nbsp;&nbsp;432 | XXXXXX | XXXXXX | MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan<br>approved<br>with<br>PIW.<br>Clayton<br>to order<br>BPO. | 12/8/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 35%<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 25 years on current job |
| &nbsp;&nbsp;&nbsp;437 | XXXXXX | XXXXXX | MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score<br>is >2.5.<br>Clayton<br>to order<br>desk<br>review. | 12/8/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 6 years & 3 months at current job<br>CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 19 years at current residence<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 13 points below maximum guideline<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x82 |
| &nbsp;&nbsp;&nbsp;443 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 783 FICO score is above the required 620.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: 64% LTV is below the 70% max.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.51 DTI is below the 45% max. |
| &nbsp;&nbsp;&nbsp;444 | XXXXXX | XXXXXX | NY | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>score is<br>>2.5.<br>Clayton<br>to order<br>desk<br>review. | 12/8/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: 0 X 30 X 30 months<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 811 FICO exceeds minimum required of 620 |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;451 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score<br>> 2.5.<br>Clayton to<br>order desk<br>review | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 14.22% is less than the guideline maximum of 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 787 exceeds the guideline minimum of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets of $494,681.74 or 91.87 months exceeds the required reserves of $10,890.33 or 2 months. |
| &nbsp;&nbsp;&nbsp;459 | XXXXXX | XXXXXX | NM | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves of $21,938.50 exceed required of $3,922.98.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30,0x60,0x90 with 62 months reviewed.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 0.09% |
| &nbsp;&nbsp;&nbsp;460 | XXXXXX | XXXXXX | SC | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 773 fico score, Minimum FICO is 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40% DTI Max DTI is 45%,<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $72,109.20 or 18.93 months of PITIAAUS required reserves are $23,371.74 |
| &nbsp;&nbsp;&nbsp;461 | XXXXXX | XXXXXX | MI | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves of 97,901.73 exceed required reserves of $5,848.14.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been 18 years with current employer.<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30,0x60,0x90 across all tradelines. |
| &nbsp;&nbsp;&nbsp;462 | XXXXXX | XXXXXX | MO | (No<br>Data) | ATR/<br>QM:<br>Exempt D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>No LCA<br>score<br>established.<br>Clayton to<br>order desk<br>review. | 12/8/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 70.00% below program maximum 75.00%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 52 mos. 0x30. 8 mos. 0x30 and 2 mos. 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves $2,118,049.02 exceed required reserves $28,140.44. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/QM<br>Status** | **Loan Level<br>ATR/QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;463 | XXXXXX | XXXXXX | SC | QM:<br>Rebuttable<br>Presumption<br>(APOR) | QM:<br>Rebuttable<br>Presumption<br>(APOR) D C A B | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Active C | CMPTRID4993 | TRID CD:<br>The Total<br>Fixed<br>Payment<br>disclosed<br>in at least<br>one<br>column of<br>the<br>Projected<br>Payments<br>section of<br>the Final<br>Closing<br>Disclosure<br>does not<br>match the<br>Total<br>Fixed<br>Payment<br>Clayton<br>that<br>calculates. | Yes | Final CD<br>has no MI<br>in Band<br>2, due to<br>the years<br>1-30 in<br>project<br>payments. | (No Data) | (No Data) | Numeric | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x99.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 30 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $33,446.12 or 12.14 months of PITIA. Required reserves are = $5,509.02. |
| &nbsp;&nbsp;&nbsp;463 | XXXXXX | XXXXXX | SC | QM:<br>Rebuttable<br>Presumption<br>(APOR) | QM:<br>Rebuttable<br>Presumption<br>(APOR) D C A B | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Active C | CMPTRID5037 | TRID -<br>CD: The<br>Mortgage<br>Insurance<br>Payment<br>disclosed<br>in at least<br>one<br>column of<br>the<br>Projected<br>Payments<br>section of<br>the Final<br>Closing<br>Disclosure<br>does not<br>match the<br>Mortgage<br>Insurance<br>Payment<br>that<br>Clayton<br>calculates. | Yes | Final CD<br>has no MI<br>in Band<br>2, due to<br>the years<br>1-30 in<br>project<br>payments. | (No Data) | (No Data) | Numeric | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x99.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 30 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $33,446.12 or 12.14 months of PITIA. Required reserves are = $5,509.02. |
| &nbsp;&nbsp;&nbsp;463 | XXXXXX | XXXXXX | SC | QM:<br>Rebuttable<br>Presumption<br>(APOR) | QM:<br>Rebuttable<br>Presumption<br>(APOR) D C A B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 12/8/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x99.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 30 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $33,446.12 or 12.14 months of PITIA. Required reserves are = $5,509.02. |
| &nbsp;&nbsp;&nbsp;463 | XXXXXX | XXXXXX | SC | QM:<br>Rebuttable<br>Presumption<br>(APOR) | QM:<br>Rebuttable<br>Presumption<br>(APOR) D C A B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan<br>approved<br>with<br>PIW.<br>Clayton<br>to order<br>BPO. | 12/8/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x99.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 30 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $33,446.12 or 12.14 months of PITIA. Required reserves are = $5,509.02. |
| &nbsp;&nbsp;&nbsp;467 | XXXXXX | XXXXXX | IL | (No Data) | ATR/QM:<br>Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 811/minimum 620<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage payment history with no derogatory events<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 31.38/maximum 50 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;477 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan<br>approved<br>with<br>PIW.<br>Clayton<br>to order<br>BPO | 12/9/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/9/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br> Applicable  | CFCFS1736: Significant time at current residence - Clayton Comments: 24 years at current residence<br>CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 11 years at current job<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 fico score, Minimum FICO is 620 |
| &nbsp;&nbsp;&nbsp;477 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan<br>approved<br>with<br>PIW.<br>Clayton<br>to order<br>BPO. | 12/9/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/9/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 24 years at current residence<br>CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 11 years at current job<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 fico score, Minimum FICO is 620 |
| &nbsp;&nbsp;&nbsp;478 | XXXXXX | XXXXXX | CT | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 741 mid score > min required of 620<br>CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 5.63%<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Reserves $73,178.40 exceed required reserves $28,304.70.<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 5 years in same line of work. |
| &nbsp;&nbsp;&nbsp;482 | XXXXXX | XXXXXX | NY | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 17 years and 6 months<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: 70.00% LTV below guideline requirements of 75.00% per program.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 744 is 124 points above program guideline minimum of 620. |
| &nbsp;&nbsp;&nbsp;483 | XXXXXX | XXXXXX | TX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>score<br>could<br>not be<br>assessed.<br>Clayton<br>to order<br>desk<br>review | 12/8/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 75.00% LTV below guideline requirements of 85.00% per program.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 808 is 188 points above program guideline minimum of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: 30.55% DTI is below guideline requirement of 50.00%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;484 | XXXXXX | XXXXXX | NC (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score is<br>>2.5.<br>Clayton to<br>order desk<br>review. | 12/8/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 785 Guidelines allow 620<br>CFCFS2860: Good credit history - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > 24 Months<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $199,385.05 or 102.94 months of PITIAReserves Required per DU AUS = $17,080.14 |
| &nbsp;&nbsp;&nbsp;488 | XXXXXX | XXXXXX | CA (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Credit | Terms/<br>Guidelines | Satisfied D A | CRDTER2548 | Missing<br>AUS or<br>AUS<br>errors<br>present | No | Lender to<br>verify<br>which AUS<br>was used<br>and why<br>multiple<br>are in the<br>file: File<br>has two<br>sets of DU<br>Findings:

#XXX #3<br>run<br>XXX &

#XXX #8<br>run XXX.<br>1008 does<br>not have<br>the Risk<br>Assessment<br>section<br>completed. | 12/12/2025:<br>Received<br>verification<br>DU #XXX<br>is the AUS<br>used. Other<br>was AUS<br>from lender<br>prior to<br>transfer. | 12/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 12 years at current residence<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: 13 years at current job<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 fico score, Minimum FICO is 620 |
| &nbsp;&nbsp;&nbsp;488 | XXXXXX | XXXXXX | CA (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan<br>approved<br>with PIW.<br>Clayton to<br>order BPO. | 12/8/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 12 years at current residence<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: 13 years at current job<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 fico score, Minimum FICO is 620 |
| &nbsp;&nbsp;&nbsp;488 | XXXXXX | XXXXXX | CA (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan<br>approved<br>with PIW.<br>Clayton to<br>order BPO. | 12/8/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 12 years at current residence<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: 13 years at current job<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 fico score, Minimum FICO is 620 |
| &nbsp;&nbsp;&nbsp;491 | XXXXXX | XXXXXX | OH (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 8 years at current job<br>CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: bonus income not used for Borrower 1 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;499 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA -<br>Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the<br>loan file is<br>missing<br>documents<br>to complete<br>the ATR/<br>QM review<br>and render<br>an accurate<br>ATR/QM<br>status. | No | Missing<br>credit sup<br>or<br>satisfactory<br>payment/<br>balance<br>and<br>payment<br>history for<br>the XXX<br>line of<br>credit<br>secured by<br>XXX<br>confirming<br>$XXX<br>balance,<br>0x30<br>payment<br>history and<br>$5000<br>monthly<br>payment. | 12/12/2025:<br>Received<br>$XXX<br>HELOC,<br>closed<br>10/15/2025.<br>Lender<br>used 1% of<br>est limit for<br>payment. | 12/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 14.75yrs tenure with current employer<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has 15.58yrs tenure with current employer<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 207 consecutive months mortgage payment history exceeds 24 month guideline credit review.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Excellent credit history with no late pay/derog line items. 746 Median Credit Score, Oldest Trade 3/2003 |
| &nbsp;&nbsp;&nbsp;499 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification<br>of some or<br>all<br>components<br>of<br>non-subject<br>PITI | No | Missing<br>verification<br>of<br>payment,<br>balance<br>and credit<br>history<br>confirming<br>no lates for<br>the XXX<br>XXX in<br>the amount<br>of $XXX<br>with a<br>$5000<br>monthly<br>payment<br>noted on<br>the 1003,<br>secured by<br>XXX | 12/12/2025:<br>Received<br>$XXX<br>HELOC,<br>closed<br>10/15/2025.<br>Lender<br>used 1% of<br>est limit for<br>payment. | 12/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 14.75yrs tenure with current employer<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has 15.58yrs tenure with current employer<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 207 consecutive months mortgage payment history exceeds 24 month guideline credit review.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Excellent credit history with no late pay/derog line items. 746 Median Credit Score, Oldest Trade 3/2003 |
| &nbsp;&nbsp;&nbsp;500 | XXXXXX | XXXXXX | TN | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score 810 > 190 points of minimum guideline requirements of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 27.76% is above the minimum program requirements of 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV for Subject Property is below guideline max LTV of 85% |
| &nbsp;&nbsp;&nbsp;501 | XXXXXX | XXXXXX | MD | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 794 FICO score. Minimum required 620.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments. |
| &nbsp;&nbsp;&nbsp;503 | XXXXXX | XXXXXX | IL | (No<br>Data) | ATR/<br>QM:<br>Exempt D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | XXX (CU)<br>is a no<br>score.<br>Clayton to<br>order desk<br>review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The borrowers lower middle credit score is 761, which is points 141 higher than the benchmark score of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The borrowers have total cash asset reserves of 25,577.88, which is equivalent to 12.33 months of PITIA reserves. Calculation: 25,577.88 $2,073.79 = 12.33 months of PITIA. Cash reserves exceed 12 months of PITIA.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The primary borrower has been in employment profession for over 10 years, which is significantly longer than the typical employment duration.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: The co-borrower has been on current job for over 9 years, which is significantly longer than the typical employment duration. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;504 | XXXXXX | XXXXXX | SC (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $325,645.45 (144.36 months PITIA reserves) > min required reserves of $17,982.18<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 780 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Low usage of available revolving credit @ 10.09%<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Primary residence: 0x30 x37 months |
| &nbsp;&nbsp;&nbsp;506 | XXXXXX | XXXXXX | UT (No<br>Data) | ATR/<br>QM:<br>Exempt D A C | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance<br>Effective<br>date is<br>greater<br>than the<br>transaction<br>date | No | HOI dec<br>page in<br>file<br>effective<br>date and<br>expiration<br>date are<br>the same.<br>(XXX).<br>Appears<br>effective<br>date was<br>improperly<br>printed. | 12/17/2025:<br>Received<br>corrected<br>HOI<br>XXX-XXX. | 12/17/2025:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves are $110,552.04. Required reserves are $28,268.71 per DU.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage payment history reporting to credit is positive. |
| &nbsp;&nbsp;&nbsp;506 | XXXXXX | XXXXXX | UT (No<br>Data) | ATR/<br>QM:<br>Exempt D A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score<br>is >2.5.<br>Clayton to<br>order desk<br>review. | 12/8/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves are $110,552.04. Required reserves are $28,268.71 per DU.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage payment history reporting to credit is positive. |
| &nbsp;&nbsp;&nbsp;513 | XXXXXX | XXXXXX | AR (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75%. Max 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 793. Minimum required 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $1,781,524.31 or 900.93 months reserves. Required $180,400.52 |
| &nbsp;&nbsp;&nbsp;515 | XXXXXX | XXXXXX | FL (No<br>Data) | ATR/<br>QM:<br>Exempt D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>LCA score<br>is >2.5.<br>Clayton to<br>order desk<br>review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing $1,021,040.87 exceed required reserves $15,003.60.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 33% DTI<br>CFCFS2860: Good credit history - Clayton Comments: no derogatory credit |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;518 | XXXXXX | XXXXXX | WA | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>CU score is<br>not<br>provided.<br>Clayton to<br>order desk<br>review. | 12/10/2025:<br>Received CDA<br>supporting value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 793 FICO score is above the required 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 35.37% DTI is below the 45% max<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $26680 in reserves are above the required $16198. |
| &nbsp;&nbsp;&nbsp;520 | XXXXXX | XXXXXX | MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score<br>> 2.5.<br>Clayton to<br>order desk<br>review. | 12/8/2025: Received<br>CDA supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since 1994 (31 years)<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 762 mid score > min required of 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: Consumer debt: 0x30 x greater than 99 months |
| &nbsp;&nbsp;&nbsp;528 | XXXXXX | XXXXXX | PA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 13 years at current job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 fico score, Minimum FICO is 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $40,570.27 (20.88 months PITIA reserves) > min required reserves of $11,642.04 |
| &nbsp;&nbsp;&nbsp;529 | XXXXXX | XXXXXX | NC | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>LCA score<br>not<br>provided.<br>Clayton to<br>order desk<br>review | 12/10/2025:<br>Received CDA<br>supporting value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $1,766,595.70 or 357 months of PITI Required PITI Reserves are $4941.81 x 6 months = $29,650.92<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 12 month payment history required , 61 months reported<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has no history of late payments |
| &nbsp;&nbsp;&nbsp;531 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3658 | TRID -<br>Corrected<br>CD<br>should<br>have<br>been<br>provided;<br>APR is<br>greater<br>than APR<br>3<br>business<br>days<br>prior to<br>closing<br>by more<br>than<br>allowable<br>tolerance | No | Please<br>provide<br>confirmation<br>of receipt<br>for CD<br>XXX to<br>confirm<br>borrower<br>had 3 days<br>notice of<br>APR<br>increase. | 12.18.2025 - LOX<br>provided however<br>finding still stands.<br>Original package<br>contains a COC on<br>page XXX and a CD<br>issued on XXX on<br>page 550 with all<br>calculations<br>provided. 3 day<br>waiting period starts<br>over with increase in<br>APR outside of<br>tolerance.12.22.2025<br>- Signed CD<br>received | 12.18.2025 -<br>Exception<br>remains12.22.2025<br>- Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 782 is 162 points above program guideline minimum of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months<br> CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.26% DTI is below guideline requirement of 45.00%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;532 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>Clayton<br>to order<br>desk<br>review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 786 fico score, Minimum FICO is 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $33644.09 or 12.61 months of P&I |
| &nbsp;&nbsp;&nbsp;535 | XXXXXX | XXXXXX | TX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 8.4 years at current primary.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 25 years at current profession.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: No mortgage lates on the last 2 years. |
| &nbsp;&nbsp;&nbsp;536 | XXXXXX | XXXXXX | MT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage payment history 0 X 30 over 35 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 772 exceeds minimum required of 620<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same line of work for 5 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 7 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves remaining of $1,321,815.44 exceeds 2 month requirement for all properties |
| &nbsp;&nbsp;&nbsp;540 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has 6 years & 3 months at current job<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has 25 years & 7 months at current job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 6 years at current residence<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower mortgage payment 0x30x71<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrower DTI is 21 points below guideline maximum |
| &nbsp;&nbsp;&nbsp;542 | XXXXXX | XXXXXX | AZ | (No<br>Data) | ATR/<br>QM:<br>Exempt D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score<br>in file is<br>3.8.<br>Clayton<br>to order<br>Desk<br>Review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 23 years and 8 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score 704 > 84 points of minimum guideline requirements of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV for Subject Property is below guideline max LTV of 85% |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;545 | XXXXXX | XXXXXX CA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30,0x60,0x90 with 56 months reviewed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves of $129,874.63 exceed required of $14,504.16.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 781 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;547 | XXXXXX | XXXXXX FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 757/minimum 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75.00/maximum 90<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total available assets are $249,298.96 - Required funds to close are $80,899.65; required reserves are $10,006.56 post close remaining reserves are $158,392.75 or 45 months PITI |
| &nbsp;&nbsp;&nbsp;548 | XXXXXX | XXXXXX FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 782 is 162 points above program guideline minimum of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 31.60% DTI is below guideline requirement of 50.00%. |
| &nbsp;&nbsp;&nbsp;554 | XXXXXX | XXXXXX NC | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | Assets | Satisfied D A | CRDAST2670 | Asset<br>documentation<br>is insufficient<br>per guideline<br>requirements | No | Missing 2<br>months of<br>asset<br>statements or<br>equivalent<br>documentation<br>for XXX

#XXX/

#XXX,<br>Balance of<br>$40,699.19<br>and<br>supporting<br>withdrawal<br>EMD of<br>$33,000 | 12/17/2025:<br>Received<br>60 day<br>VOD and<br>includes<br>proof $33K<br>EMD was<br>withdrawn<br>from<br>account. | 12/17/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 3.167yrs tenure with current employer<br>CFCFS2860: Good credit history<br> - Clayton Comments: Excellent credit history with no late pay/derog line items. 782 Median Credit Score, 8/2008 Oldest Trade Line |
| &nbsp;&nbsp;&nbsp;557 | XXXXXX | XXXXXX NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Compliance | Compliance<br>Manual | Satisfied D A | CMPMAN2956 | Missing<br>disclosure | No | per disclosure<br>tracking<br>missing<br>revised CD<br>XXX | 12.19.2025<br>- Missing<br>CD<br>received. | 12.19.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of761 is above the required 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets: $50,701.17 or 16.28 months of PITIA. Required reserves: = $6,229.75. |

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| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp; **Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;557 | XXXXXX | XXXXXX NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied A | CMPTRID5293 | TRID<br>Not all<br>required<br>seller-<br>paid fees<br>were<br>disclosed<br>on the<br>CD | No | Seller fees<br>listed on<br>Seller CD<br>but not<br>Borrower<br>final CD. As<br>the fees are<br>at least<br>reflected<br>there is no<br>material<br>issue. This<br>exception is<br>informational<br>per Clayton<br>Compliance<br>department<br>and TRID<br>2.0 revisions.<br>Exception<br>satisfied.<br>Final Grade<br>A. (No<br>Data) | Numeric | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of761 is above the required 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets: $50,701.17 or 16.28 months of PITIA. Required reserves: = $6,229.75. |
| &nbsp;&nbsp;&nbsp;559 | XXXXXX | XXXXXX CA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 75.00% LTV below guideline requirements of 85.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 764 is 144 points above program guideline minimum of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months |
| &nbsp;&nbsp;&nbsp;561 | XXXXXX | XXXXXX GA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 756 FICO score. Minimum required 620.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $84,516.26 (34.62 months PITIA reserves) > min required reserves of $14,647.50 |
| &nbsp;&nbsp;&nbsp;562 | XXXXXX | XXXXXX IN | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x80<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 5 years. |
| &nbsp;&nbsp;&nbsp;570 | XXXXXX | XXXXXX NC | (No<br>Data) | ATR/<br>QM:<br>Exempt |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 748 FICO score. Minimum required 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33.31% is below max allowable of 45% |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;574 | XXXXXX | XXXXXX | WA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 30.73% is below Guidelines 45% maximum.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $90,529.80 exceed required reserves of $32,942.12.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 769 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;577 | XXXXXX | XXXXXX | UT | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>third<br>party<br>valuation.<br>LCA<br>score not<br>provided.<br>Clayton<br>to order<br>Desk<br>Review | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $$115,995.57 or 44.37 months PITIA > min required reserves of $16,226.76<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 12 Month payment history required, 37 months reported |
| &nbsp;&nbsp;&nbsp;584 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>CU score<br>> 2.5.<br>Clayton<br>to order<br>desk<br>review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: post close assets 44,002.36 or 18.70 PITIA<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 807 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;585 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 10 years at current job<br>CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 21 years at current residence<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 170 points above guideline minimum of 620<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x99<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is 11 points below guideline maximum |
| &nbsp;&nbsp;&nbsp;590 | XXXXXX | XXXXXX | VA | (No<br>Data) | ATR/<br>QM:<br>Exempt |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 39.43 % is below Guidelines 45% maximum.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $119,196.37 exceed required of $18,635.41.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 758 mid score > min required of 620 |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;593 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score 817 > 197 points of minimum guideline requirements of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 29.53% is above the minimum program requirements of 45%<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV for Subject Property is below guideline max LTV of 90% |
| &nbsp;&nbsp;&nbsp;594 | XXXXXX | XXXXXX | MD | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 fico score, Minimum FICO is 620<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: 42% DTI, Max DTI is 45%,<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $72769.09 or 26.49 months of P&I |
| &nbsp;&nbsp;&nbsp;595 | XXXXXX | XXXXXX | NC | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements - Clayton Comments: 75.00% LTV below guideline requirements of 85.00% per program.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 795 is 175 points above program guideline minimum of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| &nbsp;&nbsp;&nbsp;599 | XXXXXX | XXXXXX | PA | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>3rd party<br>valuation<br>supporting<br>the<br>appraised<br>value of<br>$XXX | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reporting to credit is positive.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $46,221.02Required reserves are $22,519.98 per DU<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 750 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;601 | XXXXXX | XXXXXX | NC | (No<br>Data) | ATR/<br>QM:<br>Exempt |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Minimum credit score requirement is 620, the borrower's credit score is 769<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves exceeds guidelines by $30,152.85<br>CFCFS2860: Good credit history - Clayton Comments: The borrower has an excellent credit history, 0x30 |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;603 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession - Clayton Comments: Borrower is in the same profession for 27 years,11 months<br>CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 18 years,11 months time at current residence<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 22 years time at current job |
| &nbsp;&nbsp;&nbsp;607 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The borrowers lower middle credit score is 804, which is points 184 higher than the benchmark score of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: The borrowers have a Debt to income back ratio of 36.91% which is 13.09% lower than the max debt to income ratio of 50.00%.<br>CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: The co-borrower has been on current job for over 38 years, which is significantly longer than the typical employment duration.<br>CFCFS2854: Significant time in profession - Clayton Comments: The primary borrower has been in his current profession for over 30 years, which is significantly longer than the typical employment duration.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrowers have total cash asset reserves of $142,147.78, which is equivalent to 34.43 months of PITIA reserves. Calculation: $142,147.78 $4,128.89 = 34.43 months of PITIA. Cash reserves exceed 12 months of PITIA. |
| &nbsp;&nbsp;&nbsp;608 | XXXXXX | XXXXXX | OR | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer credit show 0x30x93.<br>CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence for the past: 7 years. |
| &nbsp;&nbsp;&nbsp;613 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 805 FICO score is above the 620 min.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: 28.30% DTI is above the 45% max.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV is below the 90% max.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $25285 in reserves are greater than the required $4492.56. |
| &nbsp;&nbsp;&nbsp;616 | XXXXXX | XXXXXX | CA | (No<br>Data) | ATR/<br>QM:<br>Exempt D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>CU score<br>is >2.5.<br>Clayton to<br>order desk<br>review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Mortgage history reflects 0 x 30 for the past 40 months.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer credit show 0x30x82.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer in the past: 10 years.<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in this line of work in the past: 19 years.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $138,751.87 or 30.92 months of PITI. |

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| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;617 | XXXXXX | XXXXXX CA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $314,167.49Required reserves are $21,384.84 per DU<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been working for the same employer for 7 years |
| &nbsp;&nbsp;&nbsp;618 | XXXXXX | XXXXXX FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history<br>CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Co-borrower has positive Schedule C income not used to qualify |
| &nbsp;&nbsp;&nbsp;625 | XXXXXX | XXXXXX NJ | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $54,853.97 exceed required reserves $31,933.30.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer credit show 0x30x99. CFCFS2854: Significant time in profession - Clayton Comments: Co-Borrower has been in this line of work in the past: 14 years. |
| &nbsp;&nbsp;&nbsp;626 | XXXXXX | XXXXXX MI | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score<br>is >2.5.<br>Clayton<br>to order<br>desk<br>review | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets: $280,859.03. Required Reserves: $36,992.20<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 762 is 142 points above program guideline minimum of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.44% DTI is below guideline requirement of 50.00%. |
| &nbsp;&nbsp;&nbsp;633 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 12/8/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: Calculated DTI is 31.82. Maximum DTI per guidelines is 45.0.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 766. Guideline minimum credit score is 620.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: Qualifying LTV is 74.9%, max program LTV is 90%. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;633 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is PIW<br>approved,<br>Clayton to order<br>BPO | 12/8/2025:<br>Received BPO<br>supporting value. | 12/8/2025:<br>Exception satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: Calculated DTI is 31.82. Maximum DTI per guidelines is 45.0.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 766. Guideline minimum credit score is 620.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: Qualifying LTV is 74.9%, max program LTV is 90%. |
| &nbsp;&nbsp;&nbsp;635 | XXXXXX | XXXXXX | NJ | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score is not<br>provided due to<br>property type.<br>Clayton to order<br>desk review | 12/10/2025:<br>Received CDA<br>supporting value. | 12/10/2025:<br>Exception satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 14 years.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 26 years 1 month.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $455,187.60 exceed guidelines of $25,962.29. CFCFS2860: Good credit history - Clayton Comments: Good credit history 0x30x455.<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x30x99. |
| &nbsp;&nbsp;&nbsp;638 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Please provide<br>the Affiliate<br>Business<br>Disclosure. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $25,804.47 or 10.70 PITIA<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 38.71% is below the guideline minimum of 45% |
| &nbsp;&nbsp;&nbsp;640 | XXXXXX | XXXXXX | TX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | Terms/<br>Guidelines | Satisfied D A | CRDTER2548 | Missing<br>AUS or<br>AUS<br>errors<br>present | No | Updated LP<br>AUS required<br>due to reviewer<br>calculating<br>higher expenses<br>on primary<br>residence and<br>other REO<br>owned.<br>Variance<br>increase DTI<br>from 43.81% to<br>48.56%.<br>Reviewer<br>calculated<br>primary<br>residence<br>$2,871.84 +<br>subject PITI<br>$1,883.55 +<br>Negative rental<br>$10,878.86 +<br>consumer debt<br>$509.27 for total<br>$16,143.52 /<br>total earnings<br>$33,241.48 (B1<br>$20,623.98, B2<br>$12,617.50). LP<br>AUS<br>recommendation<br>to remain<br>Streamlined<br>Accept. | 12/22/2025:<br>Received docs for<br>XXX & 2023 taxes<br>for XXX. File has<br>2024 taxes and are<br>higher. Cannot use<br>2023 amount noted<br>on Fraud Report.<br>No changes to<br>REO. Updated<br>primary to<br>$2,433.53. DTI is<br>now<br>47.25%.12/24/2025:<br>Received docs for<br>XXX, XXX.<br>$2,433.53 for XXX,<br>$2,274.60 PITIA<br>for XXX. Lender<br>provided 2023 tax<br>info for XXX.<br>Redfin verified<br>$6,777 taxes for<br>2025. Higher total<br>used. All REOs and<br>primary updated.<br>DTI is now 42.02%. | 12/22/2025:<br>Exception<br>remains.12/24/2025:<br>Exception satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 10 years 5 months in same line of work.<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 25 mos. 0x30, 10 mos. 0x30, 8 mos. 0x30, 24 mos. 0x30, 50 mos. 0x30 and 24 mos. 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $912,014.27 exceed required reserves $30,006.86. |
| &nbsp;&nbsp;&nbsp;640 | XXXXXX | XXXXXX | TX | (No<br>Data) | ATR/<br>QM:<br>Exempt D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation: LCA<br>score > 2.5.<br>Clayton to order<br>desk review. | 12/8/2025:<br>Received CDA<br>supporting value. | 12/8/2025:<br>Exception satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 10 years 5 months in same line of work.<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 25 mos. 0x30, 10 mos. 0x30, 8 mos. 0x30, 24 mos. 0x30, 50 mos. 0x30 and 24 mos. 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $912,014.27 exceed required reserves $30,006.86. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;646 | XXXXXX | XXXXXX | RI | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>third<br>party<br>valuation,<br>Clayton<br>to order<br>desk<br>review | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $$107,547.42 or 36.61 months of PITI Required PITI Reserves are $2194.90 x 8.02 number of months = $17,623.57<br>CFCFS2860: Good credit history - Clayton Comments: Borrower has no history of late payments CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 12 month payment history required, 58 months reported |
| &nbsp;&nbsp;&nbsp;647 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 12/8/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 40 years time in the same profession<br>CFCFS1736: Significant time at current residence - Clayton Comments: 25 years 7 months at current residence.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 13 years 3 months at current job.<br>CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: CoBorrower has 23 years 1 month at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $119,594.40 or 60.65 months of PITIA. LP AUS required reserves $0.00. |
| &nbsp;&nbsp;&nbsp;647 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan<br>approved<br>with<br>PIW.<br>Clayton<br>to order<br>BPO. | 12/8/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 40 years time in the same profession<br>CFCFS1736: Significant time at current residence - Clayton Comments: 25 years 7 months at current residence.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 13 years 3 months at current job.<br>CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: CoBorrower has 23 years 1 month at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $119,594.40 or 60.65 months of PITIA. LP AUS required reserves $0.00. |
| &nbsp;&nbsp;&nbsp;651 | XXXXXX | XXXXXX | MD | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score 791 > 171 points of minimum guideline requirements of 620.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV for Subject Property is below guideline max LTV of 85%<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 34.12% is above the minimum program requirements of 45% |
| &nbsp;&nbsp;&nbsp;654 | XXXXXX | XXXXXX | MD | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Mortgage history reflects 0 x 30 for the past 62 months.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $784,346.95 or 300.06 months of PITI<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer credit show 0x30x83. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;655 | XXXXXX | XXXXXX | NC | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | Legal<br>Documents | Satisfied D A | CRDLGL2996 | Missing<br>Trust<br>Documents | No | Missing<br>Trust<br>Addendum<br>to Note<br>and a<br>Copy of<br>the Trust<br>Agreement | 12/12/2025:<br>Received<br>Trust Cert<br>and Trust<br>Addendum. | 12/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: B2 has occupied the primary residence for 32 years<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $448,280.16 (152.16 months PITIA reserves) > min required reserves of $18,687.66 |
| &nbsp;&nbsp;&nbsp;658 | XXXXXX | XXXXXX | TX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score 744 > 124 points of minimum guideline requirements of 620.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV for Subject Property is below guideline max LTV of 85%<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 27.44% is above the minimum program requirements of 45% |
| &nbsp;&nbsp;&nbsp;660 | XXXXXX | XXXXXX | MA | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>returned<br>no score.<br>Clayton to<br>order Desk<br>Review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Mortgage history reflects 0 x 30 for the past 51 months.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer credit show 0x30x99.<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in this line of work in the past: 8 years.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $97,729.01 or 20.52 months of PITI. |
| &nbsp;&nbsp;&nbsp;661 | XXXXXX | XXXXXX | NE | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 80%<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close asset 182,535.48 or 117.46 |
| &nbsp;&nbsp;&nbsp;665 | XXXXXX | XXXXXX | WA | (No<br>Data) | ATR/<br>QM:<br>Exempt |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 10 years at current Job.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 802 exceeds min score 620 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;667 | XXXXXX | XXXXXX | CA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score 797 > 177 points of minimum guideline requirements of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 43.174% is above the minimum program requirements of 45% |
| &nbsp;&nbsp;&nbsp;670 | XXXXXX | XXXXXX | GA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 20 years at current job<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 765 fico score, Minimum FICO is 620 |
| &nbsp;&nbsp;&nbsp;672 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 693 mid score > min required of 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 228 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;674 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3676 | TRID - CD:<br>Ten percent<br>tolerance fee<br>or fees<br>increased at or<br>prior to closing<br>without a valid<br>reason or not<br>timely<br>disclosed;<br>refund<br>required within<br>60 days of<br>consummation. | No | $7.80 Ten<br>Percent<br>Tolerance<br>Violation due<br>to increase in<br>recording fee<br>from $152.00<br>to $175.00<br>Final CD<br>XXX,<br>without a<br>valid Change<br>in<br>Circumstance<br>(CIC).<br>Requires<br>CIC, or<br>corrected<br>PCCD, copy<br>of refund<br>check, LOX<br>and<br>verification<br>of shipping. | 12.22.2025<br>- COC<br>provided | 12.22.2025<br>- Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 36.90% is below the guideline minimum of 45%<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $61,175.06 post closing reserve/20.6 PITI reserves. Guidelines do not require reserves |
| &nbsp;&nbsp;&nbsp;674 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score is<br>>2.5.<br>Clayton to<br>order desk<br>review | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 36.90% is below the guideline minimum of 45%<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $61,175.06 post closing reserve/20.6 PITI reserves. Guidelines do not require reserves |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;677 | XXXXXX | XXXXXX | CT (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA is<br>>2.5.<br>Clayton<br>to order<br>desk<br>review. | 12/8/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 14.5 years current job time<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 718 is 98 points above guideline minimum of 620<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x99 |
| &nbsp;&nbsp;&nbsp;682 | XXXXXX | XXXXXX | OR (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>LCA<br>score not<br>provided.<br>Clayton<br>to order<br>desk<br>review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 5 years and 8 months<br>CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job; 5 years and 8 months<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 698 is 78 points above program guideline minimum of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: 7.05% DTI is below guideline requirement of 50.00%. |
| &nbsp;&nbsp;&nbsp;686 | XXXXXX | XXXXXX | TN (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 786 FICO score. Minimum required 620.<br>CFCFS2860: Good credit history - Clayton Comments: Borrower has an excellent credit payment history with 82 months reviewed reporting 0 late payments. |
| &nbsp;&nbsp;&nbsp;688 | XXXXXX | XXXXXX | WA (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 12/8/2025:<br>Received<br>BPO not<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided at current residence for 7 years.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 13 years and 9 months.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 725 exceeds the guideline program minimum of 620. |
| &nbsp;&nbsp;&nbsp;688 | XXXXXX | XXXXXX | WA (No<br>Data) | ATR/<br>QM:<br>Exempt D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan<br>approved<br>with<br>PIW.<br>Clayton<br>to order<br>BPO. | 12/8/2025:<br>Received<br>BPO not<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided at current residence for 7 years.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 13 years and 9 months.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 725 exceeds the guideline program minimum of 620. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;688 | XXXXXX | XXXXXX | WA | (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Property<br>Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property<br>Value<br>Not<br>Supported | No | 12/8/2025:<br>Exception<br>added<br>after<br>review of<br>trailing<br>docs:<br>12/8/2025:<br>Received<br>BPO not<br>supporting<br>value<br>(-13.61%).<br>Clayton to<br>order<br>Appraisal<br>2055. | 12/12/2025:<br>Received<br>Report<br>2055<br>supporting<br>value. | 12/12/2025:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided at current residence for 7 years.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 13 years and 9 months.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 725 exceeds the guideline program minimum of 620. |
| &nbsp;&nbsp;&nbsp;689 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: CB has 14 years at current job.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 26 years at current job.<br>CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 6 years at current residence. |
| &nbsp;&nbsp;&nbsp;690 | XXXXXX | XXXXXX | AZ | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $587,235.04 or 309.41 months of PITI iRequired PITI Reserves are $1897.91 x 34.62 = $65,711.78<br>CFCFS5269: Minimal use of credit - Clayton Comments: Borrower using less than 10% of available credit<br>CFCFS2860: Good credit history - Clayton Comments: Borrower has no history of late payments . Deep credit file with all accts. paid as agreed. |
| &nbsp;&nbsp;&nbsp;692 | XXXXXX | XXXXXX | WI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>LCA<br>score is<br>>3.5.<br>Clayton to<br>order desk<br>review. | 12/10/2025:<br>Exception<br>satisfied. | 12/10/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer credit show 0x30x82.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $142,850.61 or 84.49 months of PITI.<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in this line of work in the past: 25 years.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer in the past: 23 years |
| &nbsp;&nbsp;&nbsp;697 | XXXXXX | XXXXXX | TX | (No<br>Data) | ATR/<br>QM:<br>Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history - Clayton Comments: 0 x 30 in 99 months<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 792 FICO exceeds 620 minimum |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;704 | XXXXXX | XXXXXX | MA | (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 12/8/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 70.01% LTV below guideline requirements of 85.00% per program.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 796 is 176 points above program guideline minimum of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months |
| &nbsp;&nbsp;&nbsp;704 | XXXXXX | XXXXXX | MA | (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan<br>approved<br>with<br>PIW.<br>Clayton<br>to order<br>BPO. | 12/8/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 70.01% LTV below guideline requirements of 85.00% per program.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 796 is 176 points above program guideline minimum of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months |
| &nbsp;&nbsp;&nbsp;707 | XXXXXX | XXXXXX | TX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score<br>3.8.<br>Clayton<br>to order<br>Desk<br>Review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 13 years at current residence<br>CFCFS2854: Significant time in profession - Clayton Comments: 12 years in profession<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 757 fico score, Minimum FICO is 620 |
| &nbsp;&nbsp;&nbsp;709 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU/LCA<br>score 3.0.<br>Clayton<br>to order<br>Desk<br>Review. | 12.8.2025<br>Desk<br>review<br>received<br>value<br>supported. | 12.8.2025<br>Exception<br>Satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 5.7 years at current residence.<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 20 years at current profession.<br>CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: CB has 24 years at current profession. |
| &nbsp;&nbsp;&nbsp;713 | XXXXXX | XXXXXX | NM | (No<br>Data) | ATR/<br>QM:<br>Exempt D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score<br>is >2.5.<br>Clayton<br>to order<br>desk<br>review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $85,704.69 or 40.60 PITIA<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 74.17%; guidelines allow 80%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;714 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 720 mid score > min required of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 41.01% is below the guideline maximum of 45%.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 76 months. |
| &nbsp;&nbsp;&nbsp;718 | XXXXXX | XXXXXX | CA | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | Income/<br>Employment | Satisfied D A | CRDINC2408 | Income<br>verification<br>does not<br>meet<br>guidelines | No | Missing<br>complete copy<br>2024 1040 and<br>K1/1120S for<br>B1 Entity 2. If<br>2024 not<br>available<br>provide proof of<br>2024 extension<br>for both<br>personal and<br>business return<br>and 2022<br>1040/K1/1120S.<br>Business has <<br>5 years in<br>existence, two<br>years<br>consecutive<br>returns<br>required. | 12/17/2025:<br>Received<br>2024 Form<br>4868 and<br>2024<br>1120-S. | 12/17/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 192 months.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 795 is 175 points above minimum program requirement of 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has over 57 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;718 | XXXXXX | XXXXXX | CA | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | Legal<br>Documents | Satisfied D A | CRDLGL4763 | Missing<br>Extension<br>Agreement | No | Missing 2024<br>filing extension<br>for B1 Entity 2<br>and Entity 3<br>reflected on<br>Final 1003. | 12/17/2025:<br>Received<br>2024 Form<br>4868. | 12/17/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 192 months.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 795 is 175 points above minimum program requirement of 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has over 57 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;718 | XXXXXX | XXXXXX | CA | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation: LCA<br>score not<br>established.<br>Clayton to order<br>deskreview. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 192 months.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 795 is 175 points above minimum program requirement of 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has over 57 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;721 | XXXXXX | XXXXXX | CA | (No<br>Data) | ATR/<br>QM:<br>Exempt D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation: No<br>LCA score<br>established.<br>Clayton to order<br>desk review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 70%. Max 75%<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 795. Minimum required 620<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Closing Assets $278,878.06 exceed required reserves $69,766.46 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;723 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | RESPA | Active B | CMPRESPA2700 | RESPA -<br>List of<br>homeowners<br>counseling<br>organizations<br>not provided<br>w/in 3 days<br>of<br>application | No | (No Data) | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: B1 & B2 have occupied the primary residence for 10 years 3 months. B3 has occupied his primary residence for 15 years 9 months.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been with the employer for 19 years 1 month.<br>CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 has been with the employer for 20 years 3 months. B3 has been with the employer for 51 years<br>CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: B1: OT Income: $5,785.80 YTD + $10,087.80 2024 + $3,522.71 2023 = $19,396.31/32.33 months = $599.95, however, this income was not used to qualify for the mortgage. B2: OT Income: $5,338.00 YTD + $3,308.00 2024 + $2,675.00 2023 = $11,321.00/32 months = $353.78; however, this income was not used to qualify for the mortgage. B2: OT Income: $5,338.00 YTD + $3,308.00 2024 + $2,675.00 2023 = $11,321.00/32 months = $353.78; however, this income was not used to qualify for the mortgage. B3: XXX Income XXX: $256.93. However, this income was not used to qualify for the mortgage. B3: XXX Income XXX: $2,542.67. However, this income was not used to qualify for the mortgage.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $1,747,036.83 (618.42 months PITIA reserves) > min required reserves $0.00 |
| &nbsp;&nbsp;&nbsp;723 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Please<br>Provide<br>Affiliated<br>Business<br>Disclosure | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: B1 & B2 have occupied the primary residence for 10 years 3 months. B3 has occupied his primary residence for 15 years 9 months.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been with the employer for 19 years 1 month.<br>CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 has been with the employer for 20 years 3 months. B3 has been with the employer for 51 years<br>CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: B1: OT Income: $5,785.80 YTD + $10,087.80 2024 + $3,522.71 2023 = $19,396.31/32.33 months = $599.95, however, this income was not used to qualify for the mortgage. B2: OT Income: $5,338.00 YTD + $3,308.00 2024 + $2,675.00 2023 = $11,321.00/32 months = $353.78; however, this income was not used to qualify for the mortgage. B2: OT Income: $5,338.00 YTD + $3,308.00 2024 + $2,675.00 2023 = $11,321.00/32 months = $353.78; however, this income was not used to qualify for the mortgage. B3: XXX Income XXX: $256.93. However, this income was not used to qualify for the mortgage. B3: XXX Income XXX: $2,542.67. However, this income was not used to qualify for the mortgage.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $1,747,036.83 (618.42 months PITIA reserves) > min required reserves $0.00 |
| &nbsp;&nbsp;&nbsp;723 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Active C | CMPTRID3552 | TRID - Loan<br>Estimate not<br>timely | Yes | (No Data) | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: B1 & B2 have occupied the primary residence for 10 years 3 months. B3 has occupied his primary residence for 15 years 9 months.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been with the employer for 19 years 1 month.<br>CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 has been with the employer for 20 years 3 months. B3 has been with the employer for 51 years<br>CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: B1: OT Income: $5,785.80 YTD + $10,087.80 2024 + $3,522.71 2023 = $19,396.31/32.33 months = $599.95, however, this income was not used to qualify for the mortgage. B2: OT Income: $5,338.00 YTD + $3,308.00 2024 + $2,675.00 2023 = $11,321.00/32 months = $353.78; however, this income was not used to qualify for the mortgage. B2: OT Income: $5,338.00 YTD + $3,308.00 2024 + $2,675.00 2023 = $11,321.00/32 months = $353.78; however, this income was not used to qualify for the mortgage. B3: XXX Income XXX: $256.93. However, this income was not used to qualify for the mortgage. B3: XXX Income XXX: $2,542.67. However, this income was not used to qualify for the mortgage.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $1,747,036.83 (618.42 months PITIA reserves) > min required reserves $0.00 |
| &nbsp;&nbsp;&nbsp;726 | XXXXXX | XXXXXX | MN | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>CU score<br>> 2.5.<br>Clayton to<br>order desk<br>review. | 12/8/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: B1 has 6 years 9 months in same line of work. B2 has 11 years 4 months in same line of work. CFCFS1737: LTV below guideline requirements - Clayton Comments: Qualifying LTV 80.00% below program maximum 85.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $41,038.23 exceed required reserves $13,535.62.<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 32 mos. 0x30. |
| &nbsp;&nbsp;&nbsp;730 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>LCA<br>score ><br>2.5.<br>Clayton to<br>order desk<br>review. | 12/8/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 37+ years at primary residence<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 743 FICO exceeds minimum 620 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;732 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA -<br>Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the<br>loan file is<br>missing<br>documents<br>to complete<br>the ATR/<br>QM review<br>and render<br>an accurate<br>ATR/QM<br>status. | No | Missing<br>verification<br>that the XXX<br>Bank<br>mortgage<br>with $XX<br>payment is<br>secured by<br>the property<br>awarded to<br>ex-spouse,<br>per divorce<br>decree.\*There<br>were two<br>properties<br>owned by<br>borrower and<br>ex-spouse and<br>each were<br>awarded one<br>property<br>each. Credit<br>report reflects<br>one open<br>mortgage,<br>and one that<br>is paid off.<br>Nothing in<br>file to verify<br>which<br>property is<br>secured by<br>the open<br>mortgage | 12/10/2025:<br>Received<br>docs to<br>show XXX<br>is owned<br>by<br>ex-spouse. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: 40 years in same profession<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 747 FICO exceeds minimum 620 |
| &nbsp;&nbsp;&nbsp;732 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Credit | Credit/<br>Mtg<br>History | Satisfied C A | CRDCRMH1805 | Debts/<br>obligations<br>not<br>disclosed/<br>accounted<br>for at<br>origination | No | Missing<br>verification<br>that the XXX<br>Bank<br>mortgage<br>with $XXX<br>payment is<br>secured by<br>the property<br>awarded to<br>ex-spouse,<br>per divorce<br>decree.\*There<br>were two<br>properties<br>owned by<br>borrower and<br>ex-spouse and<br>each were<br>awarded one<br>property<br>each. Credit<br>report reflects<br>one open<br>mortgage,<br>and one that<br>is paid off.<br>Nothing in<br>file to verify<br>which<br>property is<br>secured by<br>the open<br>mortgage | 12/10/2025:<br>Received<br>docs to<br>show XXX<br>is owned<br>by<br>ex-spouse. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: 40 years in same profession<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 747 FICO exceeds minimum 620 |
| &nbsp;&nbsp;&nbsp;732 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Credit | DTI | Active B | CRDDTI105 | Debt Ratio<br>Exception<br>5% or Less | No | DTI 45.72<br>exceeds 3%<br>max variance<br>by .59%, due<br>to $XXX/mo.<br>alimony<br>payment -<br>Lender DTI<br>42.13.<br>Provide<br>updated AUS<br>run reflecting<br>Approve/<br>Eligible. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: 40 years in same profession<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 747 FICO exceeds minimum 620 |
| &nbsp;&nbsp;&nbsp;738 | XXXXXX | XXXXXX | TX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR275 | Completed<br>"Subject<br>To" w/o<br>Completion<br>Cert in File | No | Missing<br>1004D / final<br>inspection<br>confirming<br>property has<br>been<br>completed. | 12/10/2025:<br>Received<br>verification<br>100%<br>complete. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: 10 yrs time in profession<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 743 score exceeds 620 guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 28.20 months cash reserves exceed guidelines 6 months PITIA |
| &nbsp;&nbsp;&nbsp;742 | XXXXXX | XXXXXX | AZ | (No<br>Data) | ATR/<br>QM:<br>Exempt |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 21.28% is below Guidelines 45% maximum.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80 % is below Guidelines 85% maximum.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been over 13 years with current employer. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;743 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Provide<br>lender QM<br>determination. | 12/17/2025:<br>Received Safe<br>Harbor<br>determination. | 12/17/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 7 years at current residence<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: 7 years at current job<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 819 fico score, Minimum FICO is 620 |
| &nbsp;&nbsp;&nbsp;743 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA returned<br>no score.<br>Clayton to<br>order Desk<br>Review. | 12/8/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 7 years at current residence<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: 7 years at current job<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 819 fico score, Minimum FICO is 620 |
| &nbsp;&nbsp;&nbsp;744 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrowers have been XXX for 14 years.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: Calculated DTI of 32.44 is below program max DTI of 45.0.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: Qualifying LTV is 80%, program max LTV is 90%. |
| &nbsp;&nbsp;&nbsp;748 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No score for<br>LCA. Clayton<br>to order desk<br>review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 12 years 8 months at current job.<br>CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has 6 years 6 months at current job. |
| &nbsp;&nbsp;&nbsp;750 | XXXXXX | XXXXXX | TX | (No<br>Data) | ATR/<br>QM:<br>Exempt D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score is<br>>2.5. Clayton<br>to order desk<br>review. | 12/8/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been 20 years with current employer.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $211,114.63 exceed LP required of $37,410.72. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;754 | XXXXXX | XXXXXX | NC | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%, guidelines allow 85%<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have over 32 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;759 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>CU score<br>is >2.5.<br>Clayton to<br>order desk<br>review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 755 FICO score. Minimum required 620.<br>CFCFS2860: Good credit history - Clayton Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments. |
| &nbsp;&nbsp;&nbsp;760 | XXXXXX | XXXXXX | DC | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed with the same employer for over 19 years.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $233,063,51 exceed required of $24,278.76. |
| &nbsp;&nbsp;&nbsp;765 | XXXXXX | XXXXXX | OH | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>LCA<br>score not<br>provided.<br>Clayton to<br>order desk<br>review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 35.26% is below the guideline maximum of 45%.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 766 is 46 points above minimum program requirement of 720.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified $170,308.02 in post-closing reserves or 66.39 months PITI. Required Reserves: $72,387.94 |
| &nbsp;&nbsp;&nbsp;766 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 9 years & 7 months at current residence<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 5 years & 8 months at current job<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 183 points above guideline minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have post close assets of $442,573.02 or 129.68 months of PITIA reservesRequired reserves are $10,886.32. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;768 | XXXXXX | XXXXXX | OH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history - Clayton Comments: Borrower has an excellent credit payment history with 92 months reviewed reporting 0 late payments.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 774 FICO score. Minimum required 620. |
| &nbsp;&nbsp;&nbsp;773 | XXXXXX | XXXXXX | CT | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer credit show 0x30x99.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Mortgage history reflects 0 x 30 for the past 49 months.<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in this line of work in the past: 18 years.<br>CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence for the past: 10 years. |
| &nbsp;&nbsp;&nbsp;776 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA -<br>Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the<br>loan file is<br>missing<br>documents<br>to complete<br>the ATR/<br>QM review<br>and render<br>an accurate<br>ATR/QM<br>status. | No | 1. Missing<br>proof of tax<br>expense for<br>XXX to<br>support tax/<br>insurance of<br>$761.07 used<br>to qualify.2.<br>Missing<br>borrower<br>letter of<br>explanation or<br>other<br>satisfactory<br>documentation<br>to support no<br>HOA expense<br>for XXX,<br>XXX and<br>XXX. | 12/9/2025:<br>Received Taxes/<br>HOI for XXX -<br>verified<br>$188.26/month<br>plus $150/mo<br>HOA.12/9/2025:<br>Received HOA<br>info for XXX<br>$51.76/mo;<br>XXX $60/mo;<br>verified XXX is<br>a vacant lot | 12/9/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 25 years 2 months at current residence.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: Qualifying LTV 75.00% below program maximum 85.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $992,776.33 exceed required reserves $90,063.36. |
| &nbsp;&nbsp;&nbsp;776 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification<br>of some or<br>all<br>components<br>of<br>non-subject<br>PITI | No | 1. Missing<br>proof of tax<br>expense for<br>XXX to<br>support tax/<br>insurance of<br>$761.07 used<br>to qualify.2.<br>Missing<br>borrower<br>letter of<br>explanation or<br>other<br>satisfactory<br>documentation<br>to support no<br>HOA expense<br>for XXX,<br>XXX and<br>XXX. | 12/9/2025:<br>Received Taxes/<br>HOI for XXX -<br>verified<br>$188.26/month<br>plus $150/mo<br>HOA.12/9/2025:<br>Received HOA<br>info for XXX<br>$51.76/mo;<br>XXX $60/mo;<br>verified XXX is<br>a vacant lot. | 12/9/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 25 years 2 months at current residence.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: Qualifying LTV 75.00% below program maximum 85.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $992,776.33 exceed required reserves $90,063.36. |
| &nbsp;&nbsp;&nbsp;776 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation: CU<br>score > 2.5.<br>Clayton to<br>order desk<br>review. | 12/8/2025:<br>Received CDA<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 25 years 2 months at current residence.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: Qualifying LTV 75.00% below program maximum 85.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $992,776.33 exceed required reserves $90,063.36. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;778 | XXXXXX | XXXXXX | IL | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score 819 > 199 points of minimum guideline requirements of 620.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV for Subject Property is below guideline max LTV of 85%<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 36.49% is above the minimum program requirements of 45%. |
| &nbsp;&nbsp;&nbsp;779 | XXXXXX | XXXXXX | TX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 691 mid score > min required of 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 24 months mortgage payment history 0x30.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 115 months. |
| &nbsp;&nbsp;&nbsp;780 | XXXXXX | XXXXXX | LA | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>LCA<br>score is<br>>2.5.<br>Clayton to<br>order desk<br>review. | 12/10/2025:<br>Received CDA<br>supporting value. | 12/10/2025:<br>Exception satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 781 exceeds the guideline minimum of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets of $58,402.98 or 15.88 months PITI. exceeds the required reserves $22,485.44 or 6.1 months |
| &nbsp;&nbsp;&nbsp;781 | XXXXXX | XXXXXX | AL | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been working for the same employer for 25 years.<br>CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has been working for the same employer for 22 years. |
| &nbsp;&nbsp;&nbsp;783 | XXXXXX | XXXXXX | MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 12/8/2025: BPO<br>received has<br>photos for XXX<br>Subject is located<br>at<br>XXX.12/12/2025:<br>Corrected BPO<br>provided support<br>appraised value. | 12/8/2025:<br>Exception<br>remains.12/12/2025:<br>Exception satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score 799 > 179 points of minimum guideline requirements of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 27.33% is above the minimum program requirements of 45% |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;783 | XXXXXX | XXXXXX | MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan<br>approved<br>with<br>PIW.<br>Clayton<br>to order<br>BPO. | 12/8/2025: BPO<br>received has<br>photos for XXX<br>Subject is located<br>at<br>XXX.12/12/2025:<br>Corrected BPO<br>provided support<br>appraised value. | 12/8/2025:<br>Exception<br>remains.12/12/2025:<br>Exception satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score 799 > 179 points of minimum guideline requirements of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 27.33% is above the minimum program requirements of 45% |
| &nbsp;&nbsp;&nbsp;784 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 12/8/2025:<br>Received BPO<br>supporting value. | 12/8/2025:<br>Exception satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 796 is 176 points above program guideline minimum of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months |
| &nbsp;&nbsp;&nbsp;784 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan<br>approved<br>with<br>PIW.<br>Clayton<br>to order<br>BPO. | 12/8/2025:<br>Received BPO<br>supporting value. | 12/8/2025:<br>Exception satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 796 is 176 points above program guideline minimum of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months |
| &nbsp;&nbsp;&nbsp;787 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX for 14 years 4 months.<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x30x42.<br>CFCFS2860: Good credit history - Clayton Comments: Good credit history 0X30X292.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $481,526.91. Required reserves $5,646.16 |
| &nbsp;&nbsp;&nbsp;795 | XXXXXX | XXXXXX | TN | (No<br>Data) | ATR/<br>QM:<br>Exempt |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 18.81 % is below Guidelines 45% maximum.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $27,853.78 exceed DU required of $13,737.40.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 759 mid score > min required of 620 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;796 | XXXXXX | XXXXXX IN | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score 810 > 190 points of minimum guideline requirements of 620.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: 73.82% LTV for Subject Property is below guideline max LTV of 75%<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 48.02% is above the minimum program requirements of 50% |
| &nbsp;&nbsp;&nbsp;798 | XXXXXX | XXXXXX ME | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>LCA Score<br>Not<br>available.<br>Clayton to<br>order a<br>Desk<br>Review. | 12/10/2025:<br>Received CDA<br>not supporting<br>value.12/26/2025:<br>Received Field<br>Review<br>supporting<br>appraised value | 12/10/2025:<br>Exception<br>remains.12/26/2025:<br>Exception satisfied. | (No Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: The borrower has occupied the primary residence for 6 years 2 months.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been with the employer for 12 years 4 months.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $287,544.06 (113.31 months PITIA reserves) > min required reserves of $18,835.78 |
| &nbsp;&nbsp;&nbsp;798 | XXXXXX | XXXXXX ME | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A B | Property<br>Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property<br>Value<br>Not<br>Supported | No | 12/10/2025:<br>Exception<br>added after<br>review of<br>trailing<br>docs: CDA<br>came in at<br>$XXX,<br>(-12.44%).<br>Clayton to<br>order Field<br>Review<br>ETA 12/22 | 12/26/2025:<br>Received Field<br>Review<br>supporting<br>appraised value | 12/26/2025:<br>Exception satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: The borrower has occupied the primary residence for 6 years 2 months.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been with the employer for 12 years 4 months.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $287,544.06 (113.31 months PITIA reserves) > min required reserves of $18,835.78 |
| &nbsp;&nbsp;&nbsp;800 | XXXXXX | XXXXXX NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $47,399.30 or 14.47 > min required of $6,571.61<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 30.59% is below the guideline minimum of 45% |
| &nbsp;&nbsp;&nbsp;803 | XXXXXX | XXXXXX MD | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close assets $92,707.01 or 25.21 PITIA<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 80% |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;805 | XXXXXX | XXXXXX | WA | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | UCDP-SSR in<br>file returned no<br>CU Score to<br>support<br>appraised value.<br>Clayton to order<br>desk review | 12/10/2025:<br>Received CDA<br>supporting value. | 12/10/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 18 years<br> CFCFS1737: LTV below guideline requirements - Clayton Comments: 60.17% LTV below guideline requirements of 75.00% per program.<br> CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 757 is 137 points above program guideline minimum of 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 50+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1744: DTI below guideline requirement - Clayton<br> Comments: 31.60% DTI is below guideline requirement of 50.00%. |
| &nbsp;&nbsp;&nbsp;807 | XXXXXX | XXXXXX | OR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID5741 | TRID -<br>CD: In<br>the CD<br>Escrow<br>section,<br>You will<br>have an<br>escrow<br>account is<br>indicated,<br>but any of<br>the<br>Escrowed<br>Property<br>Costs or<br>Escrow<br>Payment<br>= $0 or<br>Null | No | CD's dated<br>XXX and XXX-<br>Loan<br>Disclosures-<br>Escrow<br>Account- You<br>will have an<br>escrow account<br>is indicated, but<br>any of the<br>Escrowed<br>Property Costs<br>or Escrow<br>Payment = $0.<br>Projected<br>Payment reflects<br>no for Escrow,<br>however, Loan<br>Disclosures<br>indicates yes for<br>Escrow. Provide<br>redisclosed CD<br>within 60 days<br>of discovery. | 12.18.2025—LOX<br>and PCCD<br>received | 12.18.2025<br>-Exception<br>satisfied | Numeric | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job—Clayton<br> Comments: Borrower has been XXX for 9 years 1 month.<br>CFCFS1741: Credit score exceeds guidelines—Clayton<br> Comments: Verified 766 FICO score. Minimum required 620. |
| &nbsp;&nbsp;&nbsp;807 | XXXXXX | XXXXXX | OR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score is<br>>2.5. Clayton to<br>order desk<br>review. | 12/10/2025:<br>Received CDA<br>not supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job—Clayton<br> Comments: Borrower has been XXX for 9 years 1 month.<br>CFCFS1741: Credit score exceeds guidelines—Clayton Comments: Verified 766 FICO score. Minimum required 620. |
| &nbsp;&nbsp;&nbsp;807 | XXXXXX | XXXXXX | OR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property<br>Value<br>Not<br>Supported | No | 12/10/2025:<br>Exception added<br>after review of<br>trailing docs:<br>CDA came in at<br>$XXX(-23.66%)<br>below value.<br>Clayton to order<br>Field Review<br>ETA 12/22 | 12/17/2025:<br>Received Field<br>Review<br>supporting $XXX<br>appraised value. | 12/17/2025:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job—Clayton Comments: Borrower has been XXX for 9 years 1 month.<br> CFCFS1741: Credit score exceeds guidelines—Clayton Comments: Verified 766 FICO score. Minimum required 620. |
| &nbsp;&nbsp;&nbsp;809 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job—Clayton Comments: Borrower has been XXX with current business since 4/6/2009.<br> CFCFS1741: Credit score exceeds guidelines—Clayton Comments: Borrower has a qualifying credit score of 820. This is > min. requirement of 620.<br> CFCFS1744: DTI below guideline requirement—Clayton Comments: Borrower has a low DTI of 19.09%. This is below max allowable per guides of 45%.<br>CFCFS1731: Verified cash reserves exceed guidelines—Clayton Comments: Borrower has $270,791.31 available in reserves; $12,324.69 in reserves required by DU. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;810 | XXXXXX | XXXXXX AL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule;<br>Clayton's<br>status<br>determination<br>places loan in<br>a riskier status<br>than the<br>Lender's<br>status<br>determination. | No | Loan<br>declared<br>QM Safe<br>Harbor<br>(APOR)<br>from<br>lender/<br>client;<br>Clayton<br>status is<br>NONQM<br>due to fees<br>too high<br>(adjusted<br>charges are<br>$10,493.00,<br>max<br>allowed is<br>$9,478.85;<br>$1,014.15<br>too high). | 12/17/2025:<br>Received<br>Fee Detail<br>Form<br>showing a<br>Bonafide<br>Fee. Loan<br>updated<br>and now<br>Safe<br>Harbor<br>(APOR). | 12/17/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 755 mid score > min required of 620.<br> CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 12.13% is below the guideline maximum of 45%.<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 60 months mortgage payment history 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: Total assets verified $253,806.20. CTC $69,530 leaves reserves of $184,276.20 or 70.01 mo. > min required reserves of $5,264.53 |
| &nbsp;&nbsp;&nbsp;810 | XXXXXX | XXXXXX AL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CMPATRQM2904 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; is not a<br>Qualified<br>Mortgage. | No | Loan<br>declared<br>QM Safe<br>Harbor<br>(APOR)<br>from<br>lender/<br>client;<br>Clayton<br>status is<br>NONQM<br>due to fees<br>too high<br>(adjusted<br>charges are<br>$10,493.00,<br>max<br>allowed is<br>$9,478.85;<br>$1,014.15<br>too high). | 12/17/2025:<br>Received<br>Fee Detail<br>Form<br>showing a<br>Bonafide<br>Fee. Loan<br>updated<br>and now<br>Safe<br>Harbor<br>(APOR). | 12/17/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 755 mid score > min required of 620.<br> CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 12.13% is below the guideline maximum of 45%.<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 60 months mortgage payment history 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: Total assets verified $253,806.20. CTC $69,530 leaves reserves of $184,276.20 or 70.01 mo. > min required reserves of $5,264.53 |
| &nbsp;&nbsp;&nbsp;814 | XXXXXX | XXXXXX FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer credit show 0x30x99.<br> CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Mortgage history reflects 0 x 30 for the past 82 months.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer in the past: 15 years.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $535,467.68. |
| &nbsp;&nbsp;&nbsp;815 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>CU score ><br>2.5.<br>Clayton to<br>order desk<br>review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 7 years at current residence<br> CFCFS1734: Borrower has significant time at current job - Clayton Comments: 9 years at current job<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 754 fico score Minimum FICO is 620<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: 28.49 % dti, Max DTI is 45%, |
| &nbsp;&nbsp;&nbsp;816 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence - Clayton Comments: 22 years at current residence<br> CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 22 years at current job<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 814 fico score, Minimum FICO is 620 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;818 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA (or<br>CU) score<br>is >2.5.<br>Clayton to<br>order<br>deskreview. | 12/8/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history - Clayton Comments: Borrowers demonstrate good credit history.<br> CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence 13+ years.<br> CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 443 months credit history exceeds guidelines. |
| &nbsp;&nbsp;&nbsp;823 | XXXXXX | XXXXXX | GA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 43.80% is above the minimum program requirements of 45%<br> CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV for Subject Property is below guideline max LTV of 85%<br> CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score 794 > 174 points of minimum guideline requirements of 620. |
| &nbsp;&nbsp;&nbsp;825 | XXXXXX | XXXXXX | NC | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement - Clayton Comments: 39 % DTI, Max DTI is 45%,<br> CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 789 fico score, Minimum FICO is 620<br> CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Bonus income w/ 24-month average of $1,589.42 not being used to qualify.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets: $42,617.30 (16.44 months PITIA reserves) > min required reserves of $15,555.63 |
| &nbsp;&nbsp;&nbsp;830 | XXXXXX | XXXXXX | TN | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Mortgage history reflects 0 x 30 for the past 39 months.<br> CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer credit show 0x30x99.<br> CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer in the past: 15 years.<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in this line of work in the past: 22 years. |
| &nbsp;&nbsp;&nbsp;834 | XXXXXX | XXXXXX | NH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% LTV is below the 90% max.<br> CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 FICO score is above the 620 min.<br> CFCFS1744: DTI below guideline requirement - Clayton Comments: 31.70% DTI is below the 45% max.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $43,039.00 in reserves are above the required $0.00. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;836 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved.<br>Clayton to<br>order BPO | 12/9/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/9/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $107,466.99 or 27.01 months of PITIA<br> CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower has a 773 FICO, Minimum FICO is 620 |
| &nbsp;&nbsp;&nbsp;836 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan<br>approved<br>with PIW.<br>Clayton to<br>order BPO. | 12/9/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/9/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $107,466.99 or 27.01 months of PITIA<br> CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower has a 773 FICO, Minimum FICO is 620 |
| &nbsp;&nbsp;&nbsp;837 | XXXXXX | XXXXXX | VA | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>No LCA<br>score<br>established.<br>Clayton to<br>order desk<br>review. | 12/8/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score 744 > 124 points of minimum guideline requirements of 620.<br> CFCFS1737: LTV below guideline requirements - Clayton Comments: 69.99% LTV for Subject Property is below guideline max LTV of 85%<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower1 has been in the same line of work for the past 15 years and 2 months. |
| &nbsp;&nbsp;&nbsp;838 | XXXXXX | XXXXXX | WA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence 33+ years.<br> CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 469 Months credit history exceeds guidelines.<br>CFCFS2860: Good credit history - Clayton Comments: Borrowers demonstrate good credit history. |
| &nbsp;&nbsp;&nbsp;841 | XXXXXX | XXXXXX | UT | (No<br>Data) | ATR/<br>QM:<br>Exempt D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO. | 12/8/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 12.9 years at current job.<br> CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has 12.9 years at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $409,074.79 in total assets is sufficient to cover required reserves $250,362.54 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;841 | XXXXXX | XXXXXX | UT | (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is PIW<br>approved.<br>Clayton to<br>order BPO. | 12/8/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 12.9 years at current job.<br> CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has 12.9 years at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $409,074.79 in total assets is sufficient to cover required reserves $250,362.54 |
| &nbsp;&nbsp;&nbsp;846 | XXXXXX | XXXXXX | NY | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 6 years and 6 months<br> CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 13 years<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 786 is 166 points above program guideline minimum of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months |
| &nbsp;&nbsp;&nbsp;849 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Active D | CMPATRQM3220 | TILA -<br>Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the<br>loan file is<br>missing<br>documents<br>to<br>complete<br>the ATR/<br>QM<br>review<br>and render<br>an<br>accurate<br>ATR/QM<br>status. | Yes | 1. Missing<br>updated<br>AUS to<br>revise<br>income and<br>expense due<br>to increase in<br>DTI from<br>qualifying<br>DTI 45.01%<br>to reviewer<br>calculated<br>DTI 48.77%.<br>Primary<br>housing<br>$3,095.88 +<br>subject<br>$3,748.15 +<br>consumer<br>debt<br>$2,454.00<br>for total<br>$9,298.03 /<br>total income<br>$19,065.27.<br>B1<br>$12,155.62 +<br>B2<br>$6,909.64.<br>LP AUS to<br>remain<br>Approve<br>Streamline.2.<br>Lender<br>status Safe<br>Harbor but<br>Clayton<br>status<br>Rebuttable<br>Presumption<br>due to<br>violation of<br>Higher<br>Priced<br>Threshold<br>with Test<br>APR of<br>7.516,<br>Benchmark<br>Rate 6.310<br>Benchmark/<br>APR<br>Variance<br>1.206 and<br>Rate Spread<br>Trigger<br>1.50%. Also,<br>violation of<br>TIL Higher<br>Priced<br>Covered<br>Transaction<br>with Test<br>APR of<br>7.516,<br>Benchmark<br>Rate of<br>6.310,<br>Benchmark/<br>APR<br>Variance of<br>2.054 and<br>Rate Spread<br>Trigger of<br>1.50%. | For Item #<br>1:<br>12/24/2025:<br>Received<br>HUD1<br>showing<br>XXX sold<br>XXX. The<br>subject of<br>this loan is<br>a 2nd<br>home.<br>Provide the<br>new<br>housing<br>payment<br>info and<br>DTI must<br>be within<br>tolerance of<br>AUS. | 12/24/2025:<br>Exception<br>remains. (No<br>Data) | Not<br>Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Mortgage history reflects 0 x 30 for the past 58 months.<br> CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer credit show 0x30x99.<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in this line of work in the past: 35 years.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer in the past: 35 years. |
| &nbsp;&nbsp;&nbsp;849 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D A | Credit | Terms/<br>Guidelines | Active D | CRDTER2548 | Missing<br>AUS or<br>AUS<br>errors<br>present | Yes | Missing<br>updated<br>AUS to<br>revise<br>income and<br>expense due<br>to increase in<br>DTI from<br>qualifying<br>DTI 45.01%<br>to reviewer<br>calculated<br>DTI 48.77%.<br>Primary<br>housing<br>$3,095.88 +<br>subject<br>$3,748.15 +<br>consumer<br>debt<br>$2,454.00<br>for total<br>$9,298.03 /<br>total income<br>$19,065.27.<br>B1<br>$12,155.62 +<br>B2<br>$6,909.64.<br>LP AUS to<br>remain<br>Approve<br>Streamline. | 12/24/2025:<br>Received<br>HUD1<br>showing<br>XXX sold<br>XXX The<br>subject of<br>this loan is<br>a 2nd<br>home.<br>Provide the<br>new<br>housing<br>payment<br>info and<br>DTI must<br>be within<br>tolerance of<br>AUS. | 12/24/2025:<br>Exception<br>remains. (No<br>Data) | Not<br>Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Mortgage history reflects 0 x 30 for the past 58 months.<br> CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer credit show 0x30x99.<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in this line of work in the past: 35 years.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer in the past: 35 years. |
| &nbsp;&nbsp;&nbsp;849 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>LCA score<br>not<br>established.<br>Clayton to<br>order desk<br>review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Mortgage history reflects 0 x 30 for the past 58 months.<br> CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer credit show 0x30x99.<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in this line of work in the past: 35 years.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer in the past: 35 years. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;853 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | Zero<br>Tolerance Fee<br>of $2,163.16<br>due to<br>Discount<br>Points fee<br>($2,163.16)<br>increase on LE<br>XXX, and Tax<br>Stamps fee<br>($10) added on<br>CD XXX.<br>Provide a valid<br>Change of<br>Circumstance,<br>or Post Close<br>CD, LOX and<br>copy of refund<br>check to<br>borrower with<br>proof of<br>delivery via<br>tracking<br>method within<br>60 days of<br>consummation. | 12.16.2025<br>- COC<br>provided | 12.16.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 782 fico score, Minimum FICO is 620<br> CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $33384.60 or14.55 months of P&I Reserves are $2294.10 x 3 number of months = $6882.30 |
| &nbsp;&nbsp;&nbsp;854 | XXXXXX | XXXXXX | OH | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 799 mid score > min required of 620.<br> CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 36.78% is below the guideline maximum of 45%.<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 60 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;855 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 6 years<br> CFCFS1737: LTV below guideline requirements - Clayton Comments: 80.00% LTV below guideline requirements of 85.00% per program.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 796 is 176 points above program guideline minimum of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months |
| &nbsp;&nbsp;&nbsp;856 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>LCA score ><br>2.5. Clayton to<br>order desk<br>review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 32 years at current residence.<br> CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 30 years 8 months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $133,641.68 exceed required reserves $.00. |
| &nbsp;&nbsp;&nbsp;1071 | XXXXXX | XXXXXX | AL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA returned<br>no score.<br>Clayton to<br>order Desk<br>Review. | 12/8/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score 733 > 113 points of minimum guideline requirements of 620.<br> CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 6 years and 4 months.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 29.83% is above the minimum program requirements of 45% |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;859 | XXXXXX | XXXXXX | WI (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>LCA<br>score ><br>2.5<br>Clayton<br>to order<br>desk<br>review. | 12/10/2025:<br>Exception<br>satisfied. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been XXX for 10 years 9 months.<br> CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 has been XXX for 10 years 9 months.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $103,426.00 (19.57 months PITIA reserves) > min required reserves of $37,200.36 |
| &nbsp;&nbsp;&nbsp;860 | XXXXXX | XXXXXX | FL (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage history with no derogatory events<br> CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 787/ minimum is 620<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $120,853.87 (55.77 months PITIA reserves) > min required reserves of $17,879.32 |
| &nbsp;&nbsp;&nbsp;861 | XXXXXX | XXXXXX | CA (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 40.99%; guidelines allow 45%<br> CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower at current employer for 7 years<br>CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has 2 mortgages and one current revolving debt |
| &nbsp;&nbsp;&nbsp;862 | XXXXXX | XXXXXX | FL (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 10 years & 8 months at current job<br> CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 5 years & 7 months at current residence<br>CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 has 10 years & 8 months at current job<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 188 points above guideline minimum of 620<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x99 |
| &nbsp;&nbsp;&nbsp;863 | XXXXXX | XXXXXX | TX (No<br>Data) | ATR/<br>QM:<br>Exempt |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 802 mid score > min required of 620.<br> CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 34% is below the guideline maximum of 45%.<br>CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 5.78% |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;1072 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Required<br>Affiliate<br>Business<br>Disclosure<br>missing | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total available assets are $959,809.13 - Required funds to close are $246,018.04; required reserves are $0.00 post close remaining reserves are $713,791.09 or 222 months PITI<br> CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 24.49%/maximum is 50%<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 67.75%/maximum 90% |
| &nbsp;&nbsp;&nbsp;869 | XXXXXX | XXXXXX | UT | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $144,921.50 or 68.04 months PITI. AUS requires reserves $20,006.60.<br> CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV CFCFS1744: DTI below guideline requirement - Clayton Comments: 29% DTI<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 credit score |
| &nbsp;&nbsp;&nbsp;873 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Credit/<br>Mtg<br>History | Active D | CRDCRMH149 | Missing<br>support<br>docs for<br>VOM/<br>VOR (e.g.<br>cancelled<br>checks) | Yes | Borrower<br>claims no<br>primary<br>expense.<br>File is<br>missing<br>evidence<br>to support<br>this claim. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 63.80 is below guideline requirement max of 75.<br> CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 724 exceeds guideline minimum of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves of $9,807.73 or 3.32 months PITI reserve exceeds required reserves of $5,911.99.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 44.51 is below guideline requirement max of 45. |
| &nbsp;&nbsp;&nbsp;876 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Affiliate<br>Business<br>Disclosure<br>missing | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The borrowers lower middle credit score is 801, which is points 181 higher than the benchmark score of 620.<br> CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrowers have total cash asset reserves of $443,962.54 , which is equivalent to 112.70 months of PITIA reserves. Calculation: $443,962.54 $3.939.28 = 112.70 months of PITIA. Cash reserves exceed 12 months of PITIA.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: The borrowers have not had any 30-day, 60-day, or 90-day late payments on any XXX Account for the past 60 months. This exceeds the guideline of 24 months. |
| &nbsp;&nbsp;&nbsp;876 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>LCA<br>score is<br>>2.5.<br>Clayton to<br>order desk<br>review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The borrowers lower middle credit score is 801, which is points 181 higher than the benchmark score of 620.<br> CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrowers have total cash asset reserves of $443,962.54 , which is equivalent to 112.70 months of PITIA reserves. Calculation: $443,962.54 $3.939.28 = 112.70 months of PITIA. Cash reserves exceed 12 months of PITIA.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: The borrowers have not had any 30-day, 60-day, or 90-day late payments on any XXX Account for the past 60 months. This exceeds the guideline of 24 months. |

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| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;877 | XXXXXX | XXXXXX FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>the<br>required<br>Affiliate<br>Business<br>Disclosure. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $123,962.74 or 26.59 PITIA<br> CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 20.12% is below the guideline minimum of 45% |
| &nbsp;&nbsp;&nbsp;877 | XXXXXX | XXXXXX FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 12/8/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $123,962.74 or 26.59 PITIA<br> CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 20.12% is below the guideline minimum of 45% |
| &nbsp;&nbsp;&nbsp;877 | XXXXXX | XXXXXX FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 12/8/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $123,962.74 or 26.59 PITIA<br> CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 20.12% is below the guideline minimum of 45% |
| &nbsp;&nbsp;&nbsp;879 | XXXXXX | XXXXXX MA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements - Clayton Comments: 75.00% LTV below guideline requirements of 85.00% per program.<br> CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 746 is 126 points above program guideline minimum of 620.<br> CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 6+ months |
| &nbsp;&nbsp;&nbsp;888 | XXXXXX | XXXXXX MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3590 | TRID - At<br>least one<br>LE was<br>delivered<br>on or after<br>the date<br>that a CD<br>was<br>delivered | No | Last LE<br>was issued<br>on same<br>day as<br>Initial CD<br>XXX. | 12.16.2025<br>-<br>Attestation<br>and<br>evidence<br>LE XXX<br>was not<br>delivered<br>to<br>borrower. | 12.16.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves of $18,149.84 exceed required reserves of $9,656.28<br> CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 49.60% is below guideline minimum of 50%<br>CFCFS5269: Minimal use of credit - Clayton Comments: 7.61% revolving credit utilization |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;888 | XXXXXX | XXXXXX | MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Credit | Assets | Satisfied D A | CRDAST2670 | Asset<br>documentation<br>is insufficient<br>per guideline<br>requirements | No | Missing<br>current<br>XXX<br>bank<br>statement<br>for acct.

#XXX<br>supporting<br>assets in<br>the amt.<br>of<br>$170,000<br>used in<br>final AUS<br>run. Most<br>recent<br>statement<br>provided<br>for this<br>acct. dated<br>09/30<br>with<br>balance of<br>$974.41. | 12/10/2025:<br>Received<br>XXX

#XXX<br>showing<br>$170K<br>deposit<br>from XXX. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves of $18,149.84 exceed required reserves of $9,656.28<br> CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 49.60% is below guideline minimum of 50%<br>CFCFS5269: Minimal use of credit - Clayton Comments: 7.61% revolving credit utilization |
| &nbsp;&nbsp;&nbsp;888 | XXXXXX | XXXXXX | MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score<br>is >2.5.<br>Clayton to<br>order desk<br>review | 12/8/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves of $18,149.84 exceed required reserves of $9,656.28<br> CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 49.60% is below guideline minimum of 50%<br>CFCFS5269: Minimal use of credit - Clayton Comments: 7.61% revolving credit utilization |
| &nbsp;&nbsp;&nbsp;890 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close asset $255,693.12 > min required of $19,705.65<br> CFCFS1734: Borrower has significant time at current job - Clayton Comments: B2 has been employed at company over 25 years |
| &nbsp;&nbsp;&nbsp;895 | XXXXXX | XXXXXX | FL | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $$213,654.11 or 41 months of PITIRequired PITI Reserves are $5211.25 x 7.38 number of months = $38509.40<br> CFCFS2860: Good credit history - Clayton Comments: Borrower has no history of late payments<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: Current LTV 75%, Maximum LTV 85% |
| &nbsp;&nbsp;&nbsp;896 | XXXXXX | XXXXXX | AZ | (No<br>Data) | ATR/<br>QM:<br>Exempt |  |  |  |  |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Mortgage history reflects 0 x 30 for the past 53 months.<br> CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence for the past: 21 years.<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in this line of work in the past: 41 years.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer in the past: 20 years. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;901 | XXXXXX | XXXXXX | FL | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 44.08% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 764 is 144 points above minimum program requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $712,307.42 (146.26 months PITIA reserves) > min required of $29,220.90 |
| &nbsp;&nbsp;&nbsp;905 | XXXXXX | XXXXXX | NJ | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The borrowers lower middle credit score is 804, which is points 184 higher than the benchmark score of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: The borrowers have a Debt to income back ratio of 34.14% which is 10.86% lower than the max debt to income ratio of 45.00%.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: The borrowers have not had any 30-day, 60-day, or 90-day late payments on any XXX Account for the past 48 months. This exceeds the guideline of 24 months.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrowers have total cash asset reserves of 238,017.69, which is equivalent to 87.34 months of PITIA reserves. Calculation: 238,017.69 $2,725.04 = 87.34 months of PITIA. Cash reserves exceed 12 months of PITIA. |
| &nbsp;&nbsp;&nbsp;909 | XXXXXX | XXXXXX | CA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 mid score > min required of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1.60%<br>CFCFS2854: Significant time in profession - Clayton Comments: 23 years time in profession 23yrs |
| &nbsp;&nbsp;&nbsp;910 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 10 years 10 months at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $317,731.71 exceed $17,634.08 required.<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage reports 44 mos. 0x30. |
| &nbsp;&nbsp;&nbsp;916 | XXXXXX | XXXXXX | MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Compliance<br>Manual | Satisfied D A | CMPMAN2956 | Missing<br>disclosure | No | Final<br>CD<br>XXX<br>missing<br>page 5. | 12.9.2025<br>— Page 5<br>of Final<br>CD<br>received. | 12.9.2025<br>-<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 40.02% is below the guideline maximum of 45%.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 807 is 187 points above minimum program requirement of 620. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Initial<br>Securitization<br>Condition<br>Grade** | **Final<br>Securitization<br>Condition<br>Grade** | **Initial<br>S&P<br>Condition<br>Grade** | **Final<br>S&P<br>Condition<br>Grade** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;919 | XXXXXX | XXXXXX | TX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 789 > min required of 620<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 40.40% |
| &nbsp;&nbsp;&nbsp;920 | XXXXXX | XXXXXX | TX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 40.92%/maximum 50%<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 797/minimum 620<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total available assets are $115,354.16- Required funds to close are $81,830.34; required reserves are $15,462.18 post close remaining reserves are $18,061.64 or 13 months PITI |
| &nbsp;&nbsp;&nbsp;925 | XXXXXX | XXXXXX | CA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Mortgage history reflects 0 x 30 for the past 59 months.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer credit show 0x30x99<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in this line of work in the past: 13 years. |
| &nbsp;&nbsp;&nbsp;928 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 794 is 174 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 40.26% is below the guideline maximum of 45%.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 85%. |
| &nbsp;&nbsp;&nbsp;932 | XXXXXX | XXXXXX | KY | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 759. Guideline minimum is 620.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed 13 years, 9 months<br>CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence 17 years, 2 months. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;936 | XXXXXX | XXXXXX | MD | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Active C | CMPTRID3676 | TRID - CD:<br>Ten percent<br>tolerance fee<br>or fees<br>increased at or<br>prior to closing<br>without a valid<br>reason or not<br>timely<br>disclosed;<br>refund<br>required within<br>60 days of<br>consummation. | Yes | $43 Ten<br>Percent<br>Tolerance<br>Violation due<br>to increase in<br>Recording<br>fees from<br>$120 to $175<br>on Final CD<br>without a<br>valid Change<br>in<br>Circumstance.<br>Requires CIC,<br>or corrected<br>PCCD, copy<br>of refund<br>check, LOX<br>and<br>verification of<br>shipping. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 798 FICO score. Minimum required 620.<br>CFCFS2860: Good credit history - Clayton Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments. |
| &nbsp;&nbsp;&nbsp;937 | XXXXXX | XXXXXX | DE | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement - Clayton Comments: 15.99 DTI below max 45%<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves of $510,454.26 or 243.21 months PITI reserve exceeds required reserves of $16,441.48.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 75 is below guideline requirement max of 85. |
| &nbsp;&nbsp;&nbsp;938 | XXXXXX | XXXXXX | UT | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: The borrower has k-1 income from XXX (less than XXX) that was not used to qualify and positive XXX income from XXX that was also not used to qualify.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 807 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $48,704.68 (26.29 months PITIA reserves) > min required reserves of $11,114.98<br>CFCFS5269: Minimal use of credit - Clayton Comments: Low usage of available revolving credit lines @ 13.96% |
| &nbsp;&nbsp;&nbsp;939 | XXXXXX | XXXXXX | NJ | (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver (PIW)/<br>AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 12/8/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer credit show 0x30x99.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Mortgage history reflects 0 x 30 for the past 58 months.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $108,958.57 exceeds required reserves $38,763.41.<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in this line of work in the past: 19 years. |
| &nbsp;&nbsp;&nbsp;939 | XXXXXX | XXXXXX | NJ | (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan<br>approved with<br>PIW. Clayton<br>to order BPO. | 12/8/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer credit show 0x30x99.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Mortgage history reflects 0 x 30 for the past 58 months.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $108,958.57 exceeds required reserves $38,763.41.<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in this line of work in the past: 19 years. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;940 | XXXXXX | XXXXXX | MN (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: Borrowers have $384,052.77 in reserves. Required reserves are $22,135.32.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 799 mid score > min required of 620<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 30.12 is less than the max of 45. |
| &nbsp;&nbsp;&nbsp;942 | XXXXXX | XXXXXX | TX (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Compliance | Documentation | Satisfied D A | CMPDOC806 | Notary<br>Status is<br>missing | No | Please see<br>Notary<br>dated and<br>signed<br>DOT XXX<br>on p.406<br>however,<br>the Notary<br>Stamp is<br>not present<br>and<br>therefore<br>incomplete. | 12/10/2025:<br>Received info<br>about e-signing<br>for Notary but<br>must have a<br>digital seal. The<br>Notary signed/<br>stamped the Same<br>Name Affidavit.<br>The Notary page<br>of the Mortgage<br>also needs the<br>stamp.12/22/2025:<br>Received DOT<br>with Notary<br>signed XXX and<br>being re-recorded. | 12/10/2025:<br>Exception<br>remains.12/22/2025:<br>Exception satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same line of work for 20 years<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 791 exceeds minimum required of 620<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 36.39% is below maximum allowed of 45%<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves remaining of 104,950.47 exceeds reserve requirement of $31,572.18 |
| &nbsp;&nbsp;&nbsp;942 | XXXXXX | XXXXXX | TX (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing an<br>LCA score<br>on the<br>UCDP,<br>Clayton to<br>order desk<br>review | 12/10/2025:<br>Received CDA<br>supporting value. | 12/10/2025:<br>Exception satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same line of work for 20 years<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 791 exceeds minimum required of 620<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 36.39% is below maximum allowed of 45%<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves remaining of 104,950.47 exceeds reserve requirement of $31,572.18 |
| &nbsp;&nbsp;&nbsp;943 | XXXXXX | XXXXXX | TN (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 771 is above guideline minimum credit score of 620.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV: 75% is 10 points below the program guideline maximum 85%. |
| &nbsp;&nbsp;&nbsp;946 | XXXXXX | XXXXXX | FL (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score 798 > 178 points of minimum guideline requirements of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 33.94% is above the minimum program requirements of 45%<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: 74.856% LTV for Subject Property is below guideline max LTV of 85% |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan Level<br>ATR/QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;950 | XXXXXX | XXXXXX | AZ | (No<br>Data) | ATR/QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $87,710.39 or 34.08 months of PITI Required PITI Reserves are $2576.31 x 12 = $30,915.72 CFCFS2860: Good credit history - Clayton Comments: Borrowers have no history of late payments<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 12 Month payment history required, credit reports over 47 months |
| &nbsp;&nbsp;&nbsp;951 | XXXXXX | XXXXXX | NJ | (No<br>Data) | ATR/QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 8 years.<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0X30X60.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $109,564.44. Required reserves $13,375.08 |
| &nbsp;&nbsp;&nbsp;952 | XXXXXX | XXXXXX | CO | (No<br>Data) | ATR/QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>returned no<br>score.<br>Clayton to<br>order Desk<br>Review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 743 is 123 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 37.08% is below max allowed of 45%.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $256987.687 post close assets. LP requires $72,268.16. |
| &nbsp;&nbsp;&nbsp;953 | XXXXXX | XXXXXX | FL | (No<br>Data) | ATR/QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 51 mos. 0x30 and 34 mos. 0x30.<br>CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 16 years 1 month at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $240,153.72 exceed required reserves $13,746.00. |
| &nbsp;&nbsp;&nbsp;954 | XXXXXX | XXXXXX | TX | ATR/<br>QM:<br>Exempt | Non-QM:<br>Lender<br>documented<br>all ATR<br>UW factors D C A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Active C | CMPATRQM2900 | TILA —<br>Loan subject<br>to Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule;<br>Clayton's<br>status<br>determination<br>places loan in<br>a riskier status<br>than the<br>Lender's<br>status<br>determination. | Yes | 12/22/2025:<br>Exception<br>fired after<br>review of<br>trailing<br>docs:<br>Lender<br>verified<br>ATR<br>Exempt.<br>Clayton<br>verified<br>non-QM<br>dues to fees<br>exceeding<br>3%. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $55037.76 or 21.31 months of PITIRequired PITI Reserves are $1,129.00 x 7.61 = $19671.30<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 12 months payment history required, 48 months reporting<br>CFCFS2860: Good credit history - Clayton Comments: Borrower has not history of late payments |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan Level<br>ATR/QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;954 | XXXXXX | XXXXXX | TX | ATR/<br>QM:<br>Exempt | Non-QM:<br>Lender<br>documented<br>all ATR<br>UW factors D C A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Active C | CMPATRQM2904 | TILA — Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage rule;<br>is not a<br>Qualified<br>Mortgage. | Yes | 12/22/2025:<br>Exception<br>fired after<br>review of<br>trailing<br>docs:<br>Lender<br>verified<br>ATR<br>Exempt.<br>Clayton<br>verified<br>non-QM<br>dues to fees<br>exceeding<br>3%. Lender<br>to verify if<br>Business<br>purpose or<br>personal<br>use. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $55037.76 or 21.31 months of PITIRequired PITI Reserves are $1,129.00 x 7.61 = $19671.30<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 12 months payment history required, 48 months reporting<br>CFCFS2860: Good credit history - Clayton Comments: Borrower has not history of late payments |
| &nbsp;&nbsp;&nbsp;954 | XXXXXX | XXXXXX | TX | ATR/<br>QM:<br>Exempt | Non-QM:<br>Lender<br>documented<br>all ATR<br>UW factors D C A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA — Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage rule;<br>the loan file is<br>missing<br>documents to<br>complete the<br>ATR/QM<br>review and<br>render an<br>accurate ATR/<br>QM status. | No | Missing<br>first page of<br>Business<br>tax returns<br>1120s for<br>both XXX<br>and XXX | 12/22/2025:<br>Received<br>1st page for<br>both. | 12/22/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $55037.76 or 21.31 months of PITIRequired PITI Reserves are $1,129.00 x 7.61 = $19671.30<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 12 months payment history required, 48 months reporting<br>CFCFS2860: Good credit history - Clayton Comments: Borrower has not history of late payments |
| &nbsp;&nbsp;&nbsp;954 | XXXXXX | XXXXXX | TX | ATR/<br>QM:<br>Exempt | Non-QM:<br>Lender<br>documented<br>all ATR<br>UW factors D C A | Credit | Income/<br>Employment | Satisfied D A | CRDINC3204 | Income<br>Documentation<br>Missing | No | Missing<br>first page of<br>Business<br>tax returns<br>1120s for<br>both XXX<br>and XXX | 12/22/2025:<br>Received<br>1st page for<br>both. | 12/22/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $55037.76 or 21.31 months of PITIRequired PITI Reserves are $1,129.00 x 7.61 = $19671.30<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 12 months payment history required, 48 months reporting<br>CFCFS2860: Good credit history - Clayton Comments: Borrower has not history of late payments |
| &nbsp;&nbsp;&nbsp;954 | XXXXXX | XXXXXX | TX | ATR/<br>QM:<br>Exempt | Non-QM:<br>Lender<br>documented<br>all ATR<br>UW factors D C A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No LCA<br>score.<br>Clayton to<br>order Desk<br>Review | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $55037.76 or 21.31 months of PITIRequired PITI Reserves are $1,129.00 x 7.61 = $19671.30<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 12 months payment history required, 48 months reporting<br>CFCFS2860: Good credit history - Clayton Comments: Borrower has not history of late payments |
| &nbsp;&nbsp;&nbsp;955 | XXXXXX | XXXXXX | FL | (No<br>Data) | ATR/QM:<br>Exempt B A | Credit | Income/<br>Employment | Active B | CRDINC2496 | Verbal<br>verification of<br>employment<br>completed<br>outside the<br>stated<br>requirements<br>and/or after<br>closing/<br>funding | No | Missing B2<br>VVOE —<br>the VVOE<br>in file is not<br>dated | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: 0 x 30 in 52 months<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: 15+ years with present employer |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;956 | XXXXXX | XXXXXX | RI | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 34.41%/maximum 45%<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 796/minimum 620<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets: $55,579.78 (26.26 months PITIA reserves) > min required reserves of $12,699.85 |
| &nbsp;&nbsp;&nbsp;957 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>required<br>Affiliate<br>Business<br>Disclosure. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: post close asset $75,712.60 or 26.19 PITIA<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 67.33%; guidelines allow 80% |
| &nbsp;&nbsp;&nbsp;957 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>returned<br>no score.<br>Clayton to<br>order Desk<br>Review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: post close asset $75,712.60 or 26.19 PITIA<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 67.33%; guidelines allow 80% |
| &nbsp;&nbsp;&nbsp;959 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO | 12/8/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 10 Years at current residence.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Min credit score required 620. File credit score 803 |
| &nbsp;&nbsp;&nbsp;959 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan<br>approved<br>with PIW.<br>Clayton to<br>order<br>BPO. | 12/8/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 10 Years at current residence.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Min credit score required 620. File credit score 803 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;963 | XXXXXX | XXXXXX NC | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets are $541,561.98- Required funds to close are $131,647.06;required reserves are $19,536.84; remaining reserves $390,378 or 14 months PITI<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 779/minimum 620<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history good with no derogatory events |
| &nbsp;&nbsp;&nbsp;966 | XXXXXX | XXXXXX FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Required<br>Affiliate<br>Business<br>Disclosure<br>missing<br>from doc<br>file. | (No Data) | (No Data) | (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence 23 years.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 423 months credit history exceeds guidelines.<br>CFCFS2860: Good credit history - Clayton Comments: Borrowers demonstrates good credit history. |
| &nbsp;&nbsp;&nbsp;967 | XXXXXX | XXXXXX IN | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score<br>is >2.5.<br>Clayton to<br>order<br>deskreview. | 12.4.25<br>Desk<br>review<br>received<br>value<br>supported. | 12.4.25<br>Exception<br>Satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: The co-borrower has worked from the same employer for 11 years.<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage payment history reporting to credit is positive.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $119,081.74Required reserves are $21,976.92 per LP |
| &nbsp;&nbsp;&nbsp;969 | XXXXXX | XXXXXX ME | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Active C | CMPTRID4993 | TRID CD:<br>The Total<br>Fixed<br>Payment<br>disclosed<br>in at least<br>one<br>column of<br>the<br>Projected<br>Payments<br>section of<br>the Final<br>Closing<br>Disclosure<br>does not<br>match the<br>Total<br>Fixed<br>Payment<br>Clayton<br>that<br>calculates. | Yes | MI<br>Certificate<br>in file<br>reflects<br>0.32% for<br>120 months<br>and $0.20%<br>for 240<br>months.<br>The Final<br>CD dated<br>XXX<br>reflects a<br>360 month<br>payment at<br>the 0.32%<br>MI<br>calculation.<br>Amounts<br>do not<br>match. | (No Data) | (No Data) | Numeric | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 728 > is above guideline minimum credit score 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: ost Close Assets are $264,662.64 or 44.86 months of PITI(A).AUS reserves requirement $23,474.70. |
| &nbsp;&nbsp;&nbsp;969 | XXXXXX | XXXXXX ME | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Active C | CMPTRID5037 | TRID —<br>CD: The<br>Mortgage<br>Insurance<br>Payment<br>disclosed<br>in at least<br>one<br>column of<br>the<br>Projected<br>Payments<br>section of<br>the Final<br>Closing<br>Disclosure<br>does not<br>match the<br>Mortgage<br>Insurance<br>Payment<br>that<br>Clayton<br>calculates. | Yes | MI<br>Certificate<br>in file<br>reflects<br>0.32% for<br>120 months<br>and $0.20%<br>for 240<br>months.<br>The Final<br>CD dated<br>XXX<br>reflects a<br>360 month<br>payment at<br>the 0.32%<br>MI<br>calculation.<br>Amounts<br>do not<br>match. | (No Data) | (No Data) | Numeric | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 728 > is above guideline minimum credit score 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: ost Close Assets are $264,662.64 or 44.86 months of PITI(A).AUS reserves requirement $23,474.70. |

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| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;970 | XXXXXX | XXXXXX ME (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA (or<br>CU) score<br>is not<br>available.<br>Clayton to<br>order desk<br>review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: B2 has been at the current residence over 33 years<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 785. Minimum required 620<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Closing assets $1,354,187.93 or 307.41 months PITI reserves. Required $68,176.61 months reserves |
| &nbsp;&nbsp;&nbsp;971 | XXXXXX | XXXXXX DE (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | SSR reports<br>no LCA<br>score.<br>Clayton to<br>order desk<br>review. | 12/8/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $31,101.67 or 16.45 months of PITI Required PITI Reserves are $1890.93 x 6 = $11,345.58<br>CFCFS2860: Good credit history - Clayton Comments: Borrower has no history of late payments<br>CFCFS5269: Minimal use of credit - Clayton Comments: Borrower using less than 10% of available credit |
| &nbsp;&nbsp;&nbsp;973 | XXXXXX | XXXXXX IN (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 760 fico score, Minimum FICO is 620<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $277320.74 or 127.28 months of P&I Reserves are $2178.88 x 3 number of months = $6536.64<br>CFCFS2854: Significant time in profession - Clayton Comments: 20 years in profession |
| &nbsp;&nbsp;&nbsp;975 | XXXXXX | XXXXXX MA (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have resided in current owner occupied residence for 19 years and 5 years.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $1,028,987.09 or 211.90 months PITI, guidelines required 7.038 months PITI. |
| &nbsp;&nbsp;&nbsp;976 | XXXXXX | XXXXXX CA (No<br>Data) | ATR/<br>QM:<br>Exempt C A | Credit | Assets | Active C | CRDAST3078 | Insufficient

# of months<br>cash<br>reserves for<br>PITI per<br>guideline<br>requirements | Yes | 12/22/2025:<br>Exception<br>added after<br>review of<br>trailing<br>docs:<br>Required<br>reserves are<br>$18,842.06<br>per AUS.<br>Verified<br>4,970.39.<br>Reserves<br>are short<br>$23,871.67.<br>401K<br>cannot have<br>any<br>withdrawals<br>until<br>borrower is<br>59.5 yrs<br>old.<br>Currently<br>XXX and<br>hardship<br>withdrawals<br>does not<br>include<br>purchase of<br>an<br>investment. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 742 mid score > min required of 620<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 28.23 % is below Guidelines 45% maximum.<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30,0x60,0x90 with 58 months reviewed. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;976 | XXXXXX | XXXXXX | CA | (No<br>Data) | ATR/<br>QM:<br>Exempt C A | Credit | Assets | Satisfied C A | CRDAST206 | Asset Amounts<br>Are<br>Unsupported<br>by<br>Documentation<br>in File | No | Provide Terms<br>and Conditions<br>of withdrawal<br>for 401-K plan<br>documenting<br>borrower is<br>permitted to<br>make<br>withdrawals and<br>that severance<br>from current<br>employment is<br>not required, as<br>per XXX<br>guidelines. What<br>was provided<br>describes<br>hardship<br>withdrawals<br>options, however<br>purchasing an<br>investment<br>property does<br>not qualify for<br>hardship<br>withdrawal.Note:<br>backed out $10K<br>large<br>undocumented<br>deposit made<br>10/20/2025 into<br>borrower's XXX<br>account.<br>Excluded two<br>pending deposits<br>on 9/23/2025 in<br>total amount of<br>$13,500.00 from<br>XXX account as<br>deposits have not<br>yet posted.<br>Reduced 401K<br>funds by<br>outstanding loan<br>balance. | 12/22/2025:<br>Received<br>Terms/<br>Cond for<br>401K. | 12/22/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 742 mid score > min required of 620<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 28.23 % is below Guidelines 45% maximum.<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30,0x60,0x90 with 58 months reviewed. |
| &nbsp;&nbsp;&nbsp;982 | XXXXXX | XXXXXX | IL | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing Updated<br>Valuation: No<br>CU score<br>established.<br>Clayton to order<br>desk review. | 12/8/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 2 mos. 0x30, 28 mos. 0x30, 72 mos. 0x30, 99 mos. 0x30, 76 mos. 0x30, 79 mos. 0x30 and 68 mos. 0x30.<br>CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has low use of consumer credit. Credit line usage 1.42%.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $137,547.46 exceeds required reserves $42,115.28.<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 16 years 4 months in same line of work. |
| &nbsp;&nbsp;&nbsp;984 | XXXXXX | XXXXXX | CA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been at their current job for 9 years<br>CFCFS1736: Significant time at current residence - Clayton Comments: The borrower has been at their current residence year 8 years<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 75%. Max 85%<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 798. Minimum required 620<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $202,319.24 or 75.15 months PITI reserves. Required $27,707.98 |
| &nbsp;&nbsp;&nbsp;986 | XXXXXX | XXXXXX | IN | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.55% DTI is below guideline requirement of 45.00%.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 5 years and 6 months<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months |
| &nbsp;&nbsp;&nbsp;987 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence - Clayton Comments: The borrowers have occupied the primary residence for 12 years<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been with the employer for 12 years 3 months.<br>CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in his profession for 27 years.<br>CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: B1: Bonus Income: $73,260.00 YTD + $55,385.00 2024 = $128,645.00 / 24 months = $5,360.21; however, this income was not used to qualify for the mortgage |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;990 | XXXXXX | XXXXXX | TX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 765 fico score, Minimum FICO is 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: 33% DTI, Max DTI is 45%, |
| &nbsp;&nbsp;&nbsp;991 | XXXXXX | XXXXXX | CA | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>No LCA<br>score<br>established.<br>Clayton to<br>order desk<br>review. | 12/8/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer credit show 0x30x82.<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in this line of work in the past: 20 years.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $238,700.77 or 71.42 months of PITI. LP AUS required reserves $20,052.12. |
| &nbsp;&nbsp;&nbsp;992 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 22.86% is below the guideline maximum of 45%.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 65.82%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 796 is 176 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;997 | XXXXXX | XXXXXX | GA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession - Clayton Comments: 25 years in profession<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 802 fico score, Minimum FICO is 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: 26% DTI, Max DTI is 45% |
| &nbsp;&nbsp;&nbsp;998 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer in the past: 11 years.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Consumer credit show 0x30x99.<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in this line of work in the past: 11 years. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Initial<br>Securitization<br>Condition<br>Grade** | **Final<br>Securitization<br>Condition<br>Grade** | **Initial<br>S&P<br>Condition<br>Grade** | **Final<br>S&P<br>Condition<br>Grade** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;999 | XXXXXX | XXXXXX | AZ | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 788 > is above guideline minimum credit score 620.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV: 67.21% is 17.79 points below the program guideline maximum 85%. |
| &nbsp;&nbsp;&nbsp;1000 | XXXXXX | XXXXXX | FL | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 789 FICO score is above the 620 min.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV is below the 85% max.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves in the amt. of $327,215.64 exceed required amt. of $26,160.83 |
| &nbsp;&nbsp;&nbsp;1002 | XXXXXX | XXXXXX | MI | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score is 798/minimum 620<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 32.27%/maximum is 50%<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total available assets are $274,285.13- Required funds to close are $93,658.67; required reserves are $17,387.92 post close remaining reserves are $163,238.54 or 62 months PITI |
| &nbsp;&nbsp;&nbsp;1004 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 17 years at current profession.<br>CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 8 years at current residence.<br>CFCFS2860: Good credit history - Clayton Comments: Good credit history past 24 months on credit report. |
| &nbsp;&nbsp;&nbsp;1064 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer credit show 0x30x87.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer in the past: 6 years.<br>CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been with employer in the past: 6 years. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;1021 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer credit show 0x30x99.<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in this line of work in the past: 20 years.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer in the past: 14 years. |
| &nbsp;&nbsp;&nbsp;1024 | XXXXXX | XXXXXX | NC | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements - Clayton Comments: 70.00% LTV below guideline requirements of 85.00% per program.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 15 years and 1 month<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 756 is 136 points above program guideline minimum of 620. |
| &nbsp;&nbsp;&nbsp;1027 | XXXXXX | XXXXXX | AR | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation.<br>CU Score<br>>2.5.<br>Clayton to<br>order desk<br>review. | 12/8/2025:<br>Received CDA<br>supporting value. | 12/8/2025:<br>Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 84 consecutive months mortgage payment history exceeds 12 month guideline credit review.<br>CFCFS2860: Good credit history - Clayton Comments: Excellent credit history with no late pay/derog line items. 798 Median Credit Score, Oldest Trade 5/1985<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $425,435.43 or 204.07 months PITIA. Required reserves are $14,367.62. |
| &nbsp;&nbsp;&nbsp;1032 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied D A | CMPTRID5107 | TRID —<br>Seller CD<br>not in file;<br>need in<br>order to<br>complete<br>fee entry | No | missing<br>seller CD | 12.11.2025<br>Lender provided<br>Seller CD | `1.12.2025<br>Exception Satisfied | Not<br>Applicable | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 12 years at current job<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $11005.04 or 4.71 months of P&I<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: 31% dti, Max DTI is 45%, |
| &nbsp;&nbsp;&nbsp;1033 | XXXXXX | XXXXXX | KY | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification<br>of some or<br>all<br>components<br>of<br>non-subject<br>PITI | No | Missing<br>verification<br>of some or<br>all<br>components<br>of<br>non-subject<br>PITI:<br>Primary<br>residence at<br>XXX<br>Mortgage<br>and taxes<br>for<br>investment<br>at XXX<br>and second<br>home<br>mortgage,<br>taxes and<br>insurance<br>for XXX.<br>All<br>included in<br>DTI. | 12/5/2025:<br>Received HOI for<br>XXX, HOI for an<br>unspecified<br>address (XXX);<br>taxes for XXX<br>and XXX. Still<br>missing taxes &<br>Mortgage for<br>XXX; Mortgage<br>for XXX and<br>HOI for<br>XXX.12/12/2025:<br>Received PITI for<br>XXX. Received<br>Taxes and HOI<br>for XXX. Still<br>need: XXX Bank<br>Mtg stmnt for<br>XXX, and<br>Taxes & HOI for<br>XXX Way. After<br>re-review of<br>original PDF,<br>Clayton located<br>XXX Bk Mtg<br>stmnt for 304.85<br>P&I and XXX Bk<br>Mtg stmnt for<br>$1,556.82<br>P&I.12/12/2025:<br>XXX is vacant<br>land. No HOI. | 12/5/2025:<br>Exception<br>remains.12/12/2025:<br>Exception remains<br>for HOI on<br>XXX.12/12/2025:<br>Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: Both borrowers have 7+ years in current profession.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 714 Credit score exceeds guidelines of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.76% DTI below guideline requirement of 45%.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $85,808.81 or 35.22 months of PITIA exceed LP required amount of $18,891.54. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;1033 | XXXXXX | XXXXXX | KY | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA returned<br>no score.<br>Clayton to<br>order Desk<br>Review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: Both borrowers have 7+ years in current profession.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 714 Credit score exceeds guidelines of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.76% DTI below guideline requirement of 45%.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $85,808.81 or 35.22 months of PITIA exceed LP required amount of $18,891.54. |
| &nbsp;&nbsp;&nbsp;1034 | XXXXXX | XXXXXX | NC | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 755 mid score > min required of 620<br>CFCFS2860: Good credit history - Clayton Comments: Consumer debt: 0x30 x greater than 99 months |
| &nbsp;&nbsp;&nbsp;1035 | XXXXXX | XXXXXX | MS | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA2698 | RESPA —<br>List of<br>homeowners<br>counseling<br>organizations<br>not in file | No | Please provide<br>list of<br>homeowners<br>counseling<br>organizations. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 36.24% is below 45 % Guidelines maximum.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 75% is below Guidelines 90% maximum.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $41,303.14 exceed required of $4,659.93. |
| &nbsp;&nbsp;&nbsp;1038 | XXXXXX | XXXXXX | WI | (No<br>Data) | ATR/<br>QM:<br>Exempt D C A | Credit | Income/<br>Employment | Active C | CRDINC888 | Income<br>Amount is<br>Unsupported<br>by<br>Documentation<br>in File | Yes | Missing<br>documentation<br>to support the<br>number of<br>vested stocks<br>used to support<br>lenders<br>calculation.<br>Documentation<br>provided to<br>support 2,936<br>shares used to<br>support RSU<br>earnings used<br>to qualify.<br>Print out<br>reflects the<br>Shares vested<br>doesn't reflect<br>the source and<br>the XXX<br>statements in<br>file only<br>reflected<br>unvested stock. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: Qualifying LTV 72.12% below program maximum 85.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $51,134.66 exceeds required reserves $15,008.04.<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrowers have 7 years 3 months in same line of work. |
| &nbsp;&nbsp;&nbsp;1038 | XXXXXX | XXXXXX | WI | (No<br>Data) | ATR/<br>QM:<br>Exempt D C A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>LCA score ><br>2.5. Clayton to<br>order desk<br>review. | 12/8/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: Qualifying LTV 72.12% below program maximum 85.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $51,134.66 exceeds required reserves $15,008.04.<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrowers have 7 years 3 months in same line of work. |

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| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;1041 | XXXXXX | XXXXXX IL | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation: LCA<br>> 2.5. Clayton to<br>order desk<br>review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 15 years at current residence<br> CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 188 points above guideline minimum of 620<br> CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x60 |
| &nbsp;&nbsp;&nbsp;1043 | XXXXXX | XXXXXX CA | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification of<br>some or all<br>components<br>of non-subject<br>PITI | No | 1. Missing<br>borrower letter<br>of explanation or<br>other<br>satisfactory<br>documentation<br>to support no<br>HOA expense<br>on XXX as<br>qualified with.2.<br>Missing<br>borrower letter<br>of explanation or<br>other<br>satisfactory<br>documentation<br>to support no<br>HOA expense<br>on XXX as<br>qualified with.3.<br>Missing<br>borrower letter<br>of explanation or<br>other<br>satisfactory<br>documentation<br>to support no<br>HOA expense<br>on XXX as<br>qualified with. | 12/8/2025:<br>Received<br>verification<br>no HOA on<br>all REOs. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have lived at their current residence for 35 years.<br> CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $47,127.94 exceed required of $12,606.49.<br> CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 803 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;1043 | XXXXXX | XXXXXX CA | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score is<br>>2.5. Clayton to<br>order desk<br>review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have lived at their current residence for 35 years.<br> CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $47,127.94 exceed required of $12,606.49.<br> CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 803 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;1047 | XXXXXX | XXXXXX MD | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Active D | CMPATRQM3220 | TILA — Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the loan<br>file is missing<br>documents to<br>complete the<br>ATR/QM<br>review and<br>render an<br>accurate ATR/<br>QM status. | Yes | 1. The amount<br>of the<br>$1,100.00/month<br>rental housing<br>expense has not<br>been verified, as<br>required by DU<br>and qualified<br>with. Provide<br>VOR, 6 months<br>payments proof,<br>or current lease<br>with two months<br>payments<br>proof.2. Missing<br>satisfactory<br>documentation<br>to support<br>$129.08/month<br>HOA expense<br>on subject<br>property at<br>XXX, as<br>qualified with. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed with current employer for 14 years.<br> CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $24,379.66 exceed DU required of $13,823.66.<br> CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 807 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;1047 | XXXXXX | XXXXXX MD | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID — Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | Zero Tolerance<br>Fee of $70.25<br>due to Discount<br>Points fee<br>increase on CD<br>XXX. Provide a<br>valid Change of<br>Circumstance, or<br>Post Close CD,<br>LOX and copy<br>of refund check<br>to borrower with<br>proof of delivery<br>via tracking<br>method within<br>60 days of<br>consummation. | 12.16.2025<br>— COC<br>provided | 12.16.2025<br>—<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed with current employer for 14 years.<br> CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $24,379.66 exceed DU required of $13,823.66.<br> CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 807 mid score > min required of 620 |

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| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;1047 | XXXXXX | XXXXXX | MD | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D A | Credit | Credit/<br>Mtg<br>History | Active C | CRDCRMH1805 | Debts/<br>obligations<br>not<br>disclosed/<br>accounted<br>for at<br>origination | Yes | Missing<br>satisfactory<br>documentation<br>to support<br>$129.08/month<br>HOA expense<br>on subject<br>property at<br>XXX, as<br>qualified with. (No<br>Data) | Not<br>Applicable | CFCFS1734:<br> Borrower has significant time at current job - Clayton Comments: Borrower has been employed with current employer for 14 years.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $24,379.66 exceed DU required of $13,823.66.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 807 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;1047 | XXXXXX | XXXXXX | MD | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D A | Credit | Credit/<br>Mtg<br>History | Active D | CRDCRMH149 | Missing<br>support<br>docs for<br>VOM/<br>VOR (e.g.<br>cancelled<br>checks) | Yes | The amount of<br>the rental<br>housing<br>expense must<br>be verified.<br>Provide VOR,<br>six months<br>cancelled<br>checks/<br>equivalent<br>payment<br>source, six<br>months bank<br>statements<br>reflecting a<br>clear and<br>consistent<br>payment, or a<br>copy of<br>current fully<br>executed lease<br>agreement and<br>two months<br>cancelled<br>checks/<br>equivalent<br>payment<br>source, (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed with current employer for 14 years.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $24,379.66 exceed DU required of $13,823.66.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 807 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;1048 | XXXXXX | XXXXXX | UT | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 806 > is above guideline minimum credit score 620.<br>CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 7.00% |
| &nbsp;&nbsp;&nbsp;1051 | XXXXXX | XXXXXX | NC | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence - Clayton Comments: The borrowers have occupied the primary residence for 16 years 3 months.<br>CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in his profession for 20 years<br>CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 has been with the employer for 20 yeas<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 60.79%<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-Closing Assets: $1,252,592.18 -$14,952.24 required reserves = $1,237,639.94/$7,420.01 PITIA on all properties owned = 166.80 additional months reserves on all properties owned. |
| &nbsp;&nbsp;&nbsp;1053 | XXXXXX | XXXXXX | TN | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 784 is 164 points above minimum program requirement of 620<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 12.94$ is below the guideline minimum of 45%<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $33,793.85 or 15 months of PITIReserves required are $13,080.78 |

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| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;1054 | XXXXXX | XXXXXX | TN (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been operating their primary business for 14 years<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage payment history reporting to credit is positive. |
| &nbsp;&nbsp;&nbsp;1057 | XXXXXX | XXXXXX | CA (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>No LCA<br>score<br>established.<br>Clayton to<br>order desk<br>review. | 12/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 29.81% is below Guidelines maximum of 45%.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is below Guidelines maximum of 85%.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $201,799.32 exceed LP required of $17,986.14 |
| &nbsp;&nbsp;&nbsp;1058 | XXXXXX | XXXXXX | CO (No<br>Data) | ATR/<br>QM:<br>Exempt D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>LCA score<br>is >2.5.<br>Clayton to<br>order desk<br>review. | 12.4.25<br>Desk<br>Review<br>received<br>value<br>supported. | 12.4.25<br>Exception<br>Satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 44.02% is below the guideline minimum of 50%.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 62.50%<br> CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 784 > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $197,496.19 (75.75 months PITIA reserves) > min required reserves of $15,642.54 |

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| | |
|:---|:---|
| **Client Name:** | **PennyMac** |
| **Client Project Name:** | **PNMAC PMTLT 2026-INV1_J16411** |

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**Conditions Report 2.0** 

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| | |
|:---|:---|
| ***Loans in Report:*** | *390* |
| ***Loans with Conditions:*** | *201* |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp; **Deal**<br> **ID** | **Loan**<br> **Number** | **Lender<br>Application**<br> **Date** | **Broker<br>Application**<br> **Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;6 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;8 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;9 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;11 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;12 | XXXXXX | XXXXXX | XXXXXX B A | No |
| &nbsp;&nbsp;&nbsp;13 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;17 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;19 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;21 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;23 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;26 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;28 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;29 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;31 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;37 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;43 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;47 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;49 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;50 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;54 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;58 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;59 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;65 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;66 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;67 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;68 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;74 | XXXXXX | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;75 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;78 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;80 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;82 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;84 | XXXXXX | XXXXXX | XXXXXX D A | Yes |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp; **Deal**<br> **ID** | **Loan**<br> **Number** | **Lender<br>Application**<br> **Date** | **Broker<br>Application**<br> **Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;89 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;91 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;97 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;99 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;100 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;103 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;106 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;110 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;114 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;121 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;123 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;125 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;127 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;130 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;136 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;138 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;145 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;146 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;149 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;150 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;151 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;161 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;164 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;168 | XXXXXX | XXXXXX | XXXXXX D A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;169 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;172 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;175 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;176 | XXXXXX | XXXXXX | XXXXXX D A C | No |
| &nbsp;&nbsp;&nbsp;180 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;182 | XXXXXX | XXXXXX | XXXXXX D A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;183 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;184 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;1070 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;192 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;195 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application**<br> **Date** | **Broker<br>Application**<br> **Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;196 | XXXXXX | XXXXXX | XXXXXX D A C | No |
| &nbsp;&nbsp;&nbsp;199 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;200 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;202 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;204 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;205 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;207 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;208 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;211 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;213 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;214 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;215 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;1067 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;216 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;217 | XXXXXX | XXXXXX | XXXXXX D A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;219 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;221 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;225 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;227 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;232 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;236 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;239 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;241 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;243 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;245 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;246 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;247 | XXXXXX | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;249 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;250 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;252 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;254 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;262 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;269 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;271 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;274 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application**<br> **Date** | **Broker<br>Application**<br> **Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;276 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;278 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;280 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;281 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;283 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;285 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;288 | XXXXXX | XXXXXX | XXXXXX D B A | Yes |
| &nbsp;&nbsp;&nbsp;294 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;297 | XXXXXX | XXXXXX | XXXXXX D A B | Not Applicable |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;299 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;300 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;301 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;302 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;305 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;307 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;312 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;313 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;314 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;317 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;325 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;332 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;334 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;337 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;338 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;341 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;342 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;349 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;352 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;353 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;356 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;358 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;359 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;362 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;364 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;370 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;371 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;376 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;379 | XXXXXX | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;380 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;389 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;391 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;392 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;394 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;397 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;407 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;408 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;412 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;417 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;420 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;421 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;424 | XXXXXX | XXXXXX | XXXXXX D A | Yes |
| &nbsp;&nbsp;&nbsp;425 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;427 | XXXXXX | XXXXXX | XXXXXX D B A C | No |
| &nbsp;&nbsp;&nbsp;428 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;432 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;437 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;443 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;444 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;451 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;459 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;460 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;461 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;462 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;463 | XXXXXX | XXXXXX | XXXXXX D C A B | Not Applicable |
| &nbsp;&nbsp;&nbsp;467 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;477 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;478 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;482 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;483 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;484 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;488 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;491 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;499 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;500 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;501 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;503 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;504 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;506 | XXXXXX | XXXXXX | XXXXXX D A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;513 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;515 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;518 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;520 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;528 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;529 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;531 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;532 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;535 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;536 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;540 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;542 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;545 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;547 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;548 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;554 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;557 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;559 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;561 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;562 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;570 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;574 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;577 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;584 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;585 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;590 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;593 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;594 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;595 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;599 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;601 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;603 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;607 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;608 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;613 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;616 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;617 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;618 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;625 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;626 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;633 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;635 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;638 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;640 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;646 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;647 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;651 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;654 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;655 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;658 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;660 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;661 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;665 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;667 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;670 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;672 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;674 | XXXXXX | XXXXXX | XXXXXX D A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;677 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;682 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;686 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;688 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;689 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;690 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;692 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;697 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;704 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;707 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;709 | XXXXXX | XXXXXX | XXXXXX D A | Yes |
| &nbsp;&nbsp;&nbsp;713 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;714 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;718 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;721 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;723 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;726 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;730 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;732 | XXXXXX | XXXXXX | XXXXXX D B C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;738 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;742 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;743 | XXXXXX | XXXXXX | XXXXXX D A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;744 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;748 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;750 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;754 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;759 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;760 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;765 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;766 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;768 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;773 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;776 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;778 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;779 | XXXXXX | XXXXXX | XXXXXX A | No |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;780 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;781 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;783 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;784 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;787 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;795 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;796 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;798 | XXXXXX | XXXXXX | XXXXXX D A B | Not Applicable |
| &nbsp;&nbsp;&nbsp;800 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;803 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;805 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;807 | XXXXXX | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;809 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;810 | XXXXXX | XXXXXX | XXXXXX C A | No |
| &nbsp;&nbsp;&nbsp;814 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;815 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;816 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;818 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;823 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;825 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;830 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;834 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;836 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;837 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;838 | XXXXXX | XXXXXX | XXXXXX A | Yes |
| &nbsp;&nbsp;&nbsp;841 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;846 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;849 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;853 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;854 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;855 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;856 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;1071 | XXXXXX | XXXXXX | XXXXXX D A | No |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;859 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;860 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;861 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;862 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;863 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;1072 | XXXXXX | XXXXXX | XXXXXX B A | No |
| &nbsp;&nbsp;&nbsp;869 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;873 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;876 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;877 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;879 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;888 | XXXXXX | XXXXXX | XXXXXX D A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;890 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;895 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;896 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;901 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;905 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;909 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;910 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;916 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;919 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;920 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;925 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;928 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;932 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;936 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;937 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;938 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;939 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;940 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;942 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;943 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp; **Deal**<br> **ID** | **Loan**<br> **Number** | **Lender<br>Application**<br> **Date** | **Broker<br>Application**<br> **Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;946 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;950 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;951 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;952 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;953 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;954 | XXXXXX | XXXXXX | XXXXXX D C A | No |
| &nbsp;&nbsp;&nbsp;955 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;956 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;957 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;959 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;963 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;966 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;967 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;969 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;970 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;971 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;973 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;975 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;976 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;982 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;984 | XXXXXX | XXXXXX | XXXXXX A | Yes |
| &nbsp;&nbsp;&nbsp;986 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;987 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;990 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;991 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;992 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;997 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;998 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;999 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;1000 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;1002 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;1004 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;1064 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;1021 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;1024 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;1027 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;1032 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;1033 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;1034 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;1035 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;1038 | XXXXXX | XXXXXX | XXXXXX D C A | No |
| &nbsp;&nbsp;&nbsp;1041 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;1043 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;1047 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;1048 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;1051 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;1053 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;1054 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;1057 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;1058 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |

---

## Exhibit 99.3

**EXHIBIT 99.3** 

**CLAYTON RATING AGENCY ATR QM DATA FIELDS** 

------

---

| | |
|:---|:---|
| **Client Name:** | **PennyMac** |
| **Client Project Name:** | **PNMAC PMTLT 2026-INV1_J16411** |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *390* |

---

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1 Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers<br>Qualified<br>Through a<br>Non-Resident<br>Alien<br>Program** | **Residual<br>Income<br>Analysis<br>in File** | **ATR/<br>QM<br>Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;6 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;8 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.499 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;9 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4881.07 | XXXXXX | 6.9422 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;11 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;12 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5196.61 | XXXXXX | 6.5467 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;13 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7163 | XXXXXX | 7.1801 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;17 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;19 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 14074 | XXXXXX | 6.8095 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 7698.32 |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.8151 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;21 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.124 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;23 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.99 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;26 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.1251 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;28 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.624 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;29 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2388.5 | XXXXXX | 7.7382 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;31 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.124 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;37 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6403.63 | XXXXXX | 6.7421 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;43 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.1783 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;47 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.124 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;49 | XXXXXX | QM: Rebuttable Presumption (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8538.5 | XXXXXX | 8.2237 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;50 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11766.75 | XXXXXX | 6.526 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;54 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.9989 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;58 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;59 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4574 | XXXXXX | 6.3557 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4808.45 | XXXXXX | 6.3889 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;65 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.124 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;66 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11500.5 | XXXXXX | 6.6506 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;67 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3572.74 | XXXXXX | 6.4938 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;68 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 13950.5 | XXXXXX | 6.6465 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;74 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 15436.12 | XXXXXX | 7.1005 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;75 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6289 | XXXXXX | 6.5313 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |

---

------

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1 Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers<br>Qualified<br>Through a<br>Non-Resident<br>Alien<br>Program** | **Residual<br>Income<br>Analysis<br>in File** | **ATR/<br>QM<br>Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;78 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;80 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.124 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;82 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.499 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;84 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9068.47 | XXXXXX | 7.4022 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;89 | XXXXXX | QM: Rebuttable Presumption (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4958 | XXXXXX | 7.8568 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;91 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9135 | XXXXXX | 6.6339 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;97 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8963 | XXXXXX | 6.8823 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;99 | XXXXXX | QM: Rebuttable Presumption (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8034.88 | XXXXXX | 7.9243 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;100 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.499 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;103 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2682.13 | XXXXXX | 7.1068 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;106 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.124 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;110 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;114 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.3 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;121 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9858.56 | XXXXXX | 6.6297 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;123 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.124 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;125 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.624 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;127 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8625.5 | XXXXXX | 6.2825 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;130 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.499 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;136 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;138 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;145 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6938 | XXXXXX | 7.1694 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;146 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6994.25 | XXXXXX | 6.1425 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;149 | XXXXXX | ATR/QM: Status Pending | No | XXXXXX | XXXXXX | Yes | No | 12428 | XXXXXX | 7.7333 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;150 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.999 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;151 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.9989 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;161 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.499 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;164 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 7.1356 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;168 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4950.81 | XXXXXX | 7.4462 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;169 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 578.79 | XXXXXX | 7.1491 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;172 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.124 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;175 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.99 | Employed | Employed | Non-Permanent Resident Alien | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;176 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1245 | XXXXXX | 7.1535 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |

---

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1 Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers<br>Qualified<br>Through a<br>Non-Resident<br>Alien<br>Program** | **Residual<br>Income<br>Analysis<br>in File** | **ATR/<br>QM<br>Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;180 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.5109 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;182 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6490.75 | XXXXXX | 7.5234 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;183 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.499 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;184 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.124 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1070 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1569 | XXXXXX | 5.9175 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;192 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7230.23 | XXXXXX | 6.2536 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;195 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;196 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 526.75 | XXXXXX | 7.6892 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;199 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.624 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;200 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.499 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;202 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;204 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10317.45 | XXXXXX | 7.3554 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;205 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.4736 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;207 | XXXXXX | QM: Rebuttable Presumption (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5310.26 | XXXXXX | 7.9242 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;208 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 5.5159 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;211 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.6251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;213 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.624 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;214 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.625 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;215 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 5.6201 | Employed | Unemployed | Permanent Resident Alien | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;1067 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6818.8 | XXXXXX | 5.7804 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;216 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 7.6779 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;217 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4349.86 | XXXXXX | 7.4959 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;219 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.124 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;221 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2928.75 | XXXXXX | 7.1529 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;225 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 766 | XXXXXX | 7.0092 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;227 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4454.65 | XXXXXX | 7.6157 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;232 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 995 | XXXXXX | 6.9372 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;236 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.5 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;239 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10007.5 | XXXXXX | 7.5412 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;241 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 4.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;243 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1365 | XXXXXX | 7.9569 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |

---

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---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1 Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers<br>Qualified<br>Through a<br>Non-Resident<br>Alien<br>Program** | **Residual<br>Income<br>Analysis<br>in File** | **ATR/<br>QM<br>Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;245 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2840 | XXXXXX | 6.9388 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;246 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1995 | XXXXXX | 7.0352 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;247 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2426.25 | XXXXXX | 7.6773 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;249 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;250 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;252 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.99 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;254 | XXXXXX | ATR/QM: Status Pending | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.0045 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;262 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.0835 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;269 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6561 | XXXXXX | 7.1021 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;271 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.624 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;274 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.1251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;276 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.8749 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;278 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;280 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;281 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1695 | XXXXXX | 7.4515 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;283 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;285 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;288 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.49 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;294 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;297 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1525 | XXXXXX | 6.6073 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;299 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;300 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;301 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.25 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;302 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4470 | XXXXXX | 6.7885 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;305 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;307 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.875 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;312 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1525 | XXXXXX | 7.5396 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;313 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.49 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;314 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.9625 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;317 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3870.36 | XXXXXX | 7.711 | Employed | Unemployed | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;325 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1375 | XXXXXX | 6.5488 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;332 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;334 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;337 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.624 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |

---

------

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1 Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers<br>Qualified<br>Through a<br>Non-Resident<br>Alien<br>Program** | **Residual<br>Income<br>Analysis<br>in File** | **ATR/<br>QM<br>Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;338 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1200 | XXXXXX | 7.1929 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 12102.1 |
| &nbsp;&nbsp;&nbsp;341 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2343.29 | XXXXXX | 6.8304 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;342 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1100 | XXXXXX | 6.5512 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;349 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;352 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1695 | XXXXXX | 7.7211 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;353 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;356 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.624 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;358 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.624 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;359 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.125 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;362 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.99 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;364 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.5001 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;370 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1895 | XXXXXX | 6.4306 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;371 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | Employed | U.S. Citizen | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;376 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1200 | XXXXXX | 6.4281 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;379 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3274.27 | XXXXXX | 6.6435 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;380 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1640 | XXXXXX | 7.7125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;389 | XXXXXX | ATR/QM: Status Pending | No | XXXXXX | XXXXXX | Yes | No | 1800 | XXXXXX | 6.1658 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;391 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 710 | XXXXXX | 7.1211 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;392 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;394 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.49 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;397 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;407 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;408 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;412 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2119.13 | XXXXXX | 6.433 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;417 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.25 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;420 | XXXXXX | ATR/QM: Status Pending | No | XXXXXX | XXXXXX | Yes | No | 7617.5 | XXXXXX | 7.1925 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;421 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;424 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;425 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.624 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;427 | XXXXXX | QM: Rebuttable Presumption (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1490 | XXXXXX | 8.1302 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;428 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.49 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;432 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3079 | XXXXXX | 7.2588 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;437 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1825 | XXXXXX | 6.6512 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;443 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1640 | XXXXXX | 6.9796 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1 Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers<br>Qualified<br>Through a<br>Non-Resident<br>Alien<br>Program** | **Residual<br>Income<br>Analysis<br>in File** | **ATR/<br>QM<br>Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;444 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.9173 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;451 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1591.45 | XXXXXX | 7.821 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;459 | XXXXXX | ATR/QM: Status Pending | No | XXXXXX | XXXXXX | Yes | No | 4935 | XXXXXX | 7.8665 | Employed | Unemployed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;460 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;461 | XXXXXX | ATR/QM: Status Pending | No | XXXXXX | XXXXXX | Yes | No | 1595 | XXXXXX | 7.6091 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;462 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;463 | XXXXXX | QM: Rebuttable Presumption (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1648 | XXXXXX | 7.7561 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;467 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;477 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5795 | XXXXXX | 6.2009 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;478 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.99 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;482 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5508.58 | XXXXXX | 7.8639 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;483 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 4.99 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;484 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;488 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;491 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.99 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;499 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1690 | XXXXXX | 6.9683 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;500 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.125 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;501 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.99 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;503 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.2976 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;504 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.49 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;506 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;513 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;515 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;518 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.1251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;520 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1355 | XXXXXX | 7.018 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;528 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.625 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;529 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.1251 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;531 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2102.34 | XXXXXX | 6.9111 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;532 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6871.33 | XXXXXX | 7.631 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;535 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.49 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;536 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1370 | XXXXXX | 7.0378 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;540 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5693 | XXXXXX | 6.5596 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;542 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;545 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.125 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;547 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 7.3441 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;548 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3341.08 | XXXXXX | 5.6553 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |

---

------

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1 Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers<br>Qualified<br>Through a<br>Non-Resident<br>Alien<br>Program** | **Residual<br>Income<br>Analysis<br>in File** | **ATR/<br>QM<br>Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;554 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.5001 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;557 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 7.0135 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;559 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;561 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.9901 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;562 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;570 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.75 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;574 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.9901 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;577 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.9901 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;584 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3585.25 | XXXXXX | 6.0043 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;585 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.9285 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;590 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.25 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;593 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 628.26 | XXXXXX | 5.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;594 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.25 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;595 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.375 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;599 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.9901 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;601 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;603 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 558.24 | XXXXXX | 5.9978 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;607 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4046.5 | XXXXXX | 5.6131 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;608 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.9901 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;613 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 350 | XXXXXX | 7.0245 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;616 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.25 | Employed | Employed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;617 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;618 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3842.5 | XXXXXX | 5.7583 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;625 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.125 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;626 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.624 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;633 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8265 | XXXXXX | 6.6832 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;635 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.9901 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;638 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4580 | XXXXXX | 7.7282 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;640 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.624 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;646 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.25 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;647 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1495 | XXXXXX | 6.6421 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;651 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;654 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6091.25 | XXXXXX | 6.7024 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;655 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.7285 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;658 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.49 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;660 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;661 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1170 | XXXXXX | 7.5859 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1 Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers<br>Qualified<br>Through a<br>Non-Resident<br>Alien<br>Program** | **Residual<br>Income<br>Analysis<br>in File** | **ATR/<br>QM<br>Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;665 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.875 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;667 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;670 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.625 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;672 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1695 | XXXXXX | 7.4139 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;674 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10158.69 | XXXXXX | 7.1797 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;677 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.99 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;682 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;686 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;688 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.49 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;689 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1565 | XXXXXX | 7.6263 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;690 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.625 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;692 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2020.25 | XXXXXX | 7.1231 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;697 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.1251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;704 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;707 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;709 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5355.95 | XXXXXX | 7.2746 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 12559.5 |
| &nbsp;&nbsp;&nbsp;713 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;714 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1694 | XXXXXX | 7.4179 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;718 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;721 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;723 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1625 | XXXXXX | 6.6415 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 2311.47 |
| &nbsp;&nbsp;&nbsp;726 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.624 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;730 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3684.13 | XXXXXX | 6.9373 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;732 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1711 | XXXXXX | 6.7948 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;738 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.75 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;742 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.99 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;743 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1534.23 | XXXXXX | 6.1896 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;744 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1355 | XXXXXX | 7.4062 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;748 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7177.64 | XXXXXX | 7.1035 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;750 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;754 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.99 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;759 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.6557 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;760 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;765 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.49 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;766 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8796.5 | XXXXXX | 7.8794 | Employed | Unemployed | Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;768 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3527.5 | XXXXXX | 7.1985 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |

---

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1 Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers<br>Qualified<br>Through a<br>Non-Resident<br>Alien<br>Program** | **Residual<br>Income<br>Analysis<br>in File** | **ATR/<br>QM<br>Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;773 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;776 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1245.95 | XXXXXX | 6.6569 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;778 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;779 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.1251 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;780 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;781 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.375 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;783 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10311.66 | XXXXXX | 7.0726 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;784 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6545 | XXXXXX | 6.9884 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;787 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 100 | XXXXXX | 5.7777 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;795 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;796 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5842 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;798 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1878.86 | XXXXXX | 6.6988 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 1439.01 |
| &nbsp;&nbsp;&nbsp;800 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1525 | XXXXXX | 7.2552 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;803 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2620 | XXXXXX | 6.7591 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;805 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;807 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3850 | XXXXXX | 7.2292 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;809 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1495 | XXXXXX | 6.653 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;810 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7221 | XXXXXX | 6.8301 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;814 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1495 | XXXXXX | 6.6916 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;815 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.5277 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;816 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2460 | XXXXXX | 6.8358 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;818 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1570 | XXXXXX | 7.0701 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;823 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.6251 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;825 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.6306 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;830 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;834 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1684 | XXXXXX | 7.0667 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;836 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 995 | XXXXXX | 6.6525 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;837 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.25 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;838 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.375 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;841 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.875 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;846 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2308.09 | XXXXXX | 7.9361 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;849 | XXXXXX | ATR/QM: Status Pending | No | XXXXXX | XXXXXX | Yes | No | 12722.92 | XXXXXX | 7.5158 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;853 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3446.16 | XXXXXX | 6.8573 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |

---

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1 Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers<br>Qualified<br>Through a<br>Non-Resident<br>Alien<br>Program** | **Residual<br>Income<br>Analysis<br>in File** | **ATR/<br>QM<br>Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;854 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;855 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1800 | XXXXXX | 5.6028 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;856 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1335 | XXXXXX | 7.2748 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;1071 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1174.75 | XXXXXX | 7.6562 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;859 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;860 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;861 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;862 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.625 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;863 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1072 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 899 | XXXXXX | 5.7895 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;869 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;873 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5539.73 | XXXXXX | 6.6419 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;876 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1950 | XXXXXX | 6.6546 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;877 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1690 | XXXXXX | 7.1775 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;879 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;888 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1934.91 | XXXXXX | 7.0238 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;890 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4982.5 | XXXXXX | 6.5944 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;895 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.75 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;896 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;901 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;905 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.125 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;909 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;910 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1990 | XXXXXX | 6.8251 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;916 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1839 | XXXXXX | 6.6859 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;919 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;920 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.75 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;925 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;928 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1910 | XXXXXX | 7.2896 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;932 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;936 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3865 | XXXXXX | 6.7456 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;937 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.125 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;938 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;939 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.125 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;940 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;942 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.125 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;943 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.25 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;946 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.875 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;950 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.99 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1 Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers<br>Qualified<br>Through a<br>Non-Resident<br>Alien<br>Program** | **Residual<br>Income<br>Analysis<br>in File** | **ATR/<br>QM<br>Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;951 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;952 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 4.99 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;953 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 4.99 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;954 | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | Yes | No | 6920.3 | XXXXXX | 7.955 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 0 |
| &nbsp;&nbsp;&nbsp;955 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.625 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;956 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;957 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1490 | XXXXXX | 6.9287 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;959 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1595 | XXXXXX | 6.6936 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;963 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.25 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;966 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1645 | XXXXXX | 7.6715 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;967 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.125 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;969 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1895 | XXXXXX | 7.268 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;970 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;971 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.99 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;973 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.1251 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;975 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.1251 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;976 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;982 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;984 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;986 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;987 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1990 | XXXXXX | 7.7537 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 3796.11 |
| &nbsp;&nbsp;&nbsp;990 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.99 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;991 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;992 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6435.63 | XXXXXX | 5.8881 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;997 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.2468 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;998 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4688.13 | XXXXXX | 6.8559 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;999 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1000 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.49 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1002 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1004 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1590 | XXXXXX | 6.989 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 21559.12 |
| &nbsp;&nbsp;&nbsp;1064 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3372.91 | XXXXXX | 5.0014 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;1021 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8050 | XXXXXX | 6.8013 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;1024 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.49 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1027 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.49 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1032 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 595 | XXXXXX | 6.9184 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;1033 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.1251 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1 Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers<br>Qualified<br>Through a<br>Non-Resident<br>Alien<br>Program** | **Residual<br>Income<br>Analysis<br>in File** | **ATR/<br>QM<br>Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;1034 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.125 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1035 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1490 | XXXXXX | 6.8066 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;1038 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1041 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1043 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.49 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1047 | XXXXXX | ATR/QM: Status Pending | No | XXXXXX | XXXXXX | Yes | No | 4666.64 | XXXXXX | 7.1385 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;1048 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1051 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.125 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1053 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.624 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1054 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.624 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1057 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.375 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| &nbsp;&nbsp;&nbsp;1058 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |

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<sup>©</sup>2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.4

**EXHIBIT 99.4** 

**CLAYTON LOAN LEVEL TAPE COMPARE UPLOAD** 

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| | |
|:---|:---|
| **Client Name:** | PennyMac |
| **Client Project Name:** | PNMAC PMTLT 2026-INV1_J16411 |

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**Loan Level Tape Compare Upload**

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;6 | XXXXXX | XXXXXX | Cash Reserves | 21983.46 | 82348.07 |
| &nbsp;&nbsp;&nbsp;8 | XXXXXX | XXXXXX | Cash Reserves | 147573.75 | 75059.17 |
| &nbsp;&nbsp;&nbsp;8 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;9 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 30.1200 | 40.1404 |
| &nbsp;&nbsp;&nbsp;11 | XXXXXX | XXXXXX | Cash Reserves | 203261.60 | 46407.23 |
| &nbsp;&nbsp;&nbsp;11 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 43.0800 | 61.9737 |
| &nbsp;&nbsp;&nbsp;11 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;11 | XXXXXX | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| &nbsp;&nbsp;&nbsp;12 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;12 | XXXXXX | XXXXXX | Cash Reserves | 21933.40 | 696198.31 |
| &nbsp;&nbsp;&nbsp;12 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;12 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;13 | XXXXXX | XXXXXX | Borrower 2 SSN | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;13 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;17 | XXXXXX | XXXXXX | Cash Reserves | 3891.23 | 25475.42 |
| &nbsp;&nbsp;&nbsp;17 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;19 | XXXXXX | XXXXXX | Cash Reserves | 325833.06 | 464098.65 |
| &nbsp;&nbsp;&nbsp;19 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | XXXXXX | Cash Reserves | 325833.06 | 453392.79 |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 45.0700 | 15.9813 |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | XXXXXX | Total Monthly Income | 65356.00 | 163395.69 |
| &nbsp;&nbsp;&nbsp;21 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;23 | XXXXXX | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| &nbsp;&nbsp;&nbsp;23 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;26 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;26 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;29 | XXXXXX | XXXXXX | Cash Reserves | 107793.33 | 58414.54 |
| &nbsp;&nbsp;&nbsp;29 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;37 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;43 | XXXXXX | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| &nbsp;&nbsp;&nbsp;43 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 31.6000 | 37.7009 |
| &nbsp;&nbsp;&nbsp;43 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;47 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;49 | XXXXXX | XXXXXX | Cash Reserves | 70556.00 | 4614.00 |
| &nbsp;&nbsp;&nbsp;49 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;50 | XXXXXX | XXXXXX | Cash Reserves | 355690.01 | 91833.22 |
| &nbsp;&nbsp;&nbsp;50 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;54 | XXXXXX | XXXXXX | Cash Reserves | 323572.67 | 109278.93 |
| &nbsp;&nbsp;&nbsp;54 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;54 | XXXXXX | XXXXXX | Representative Credit Score for Grading | 793 | 774 |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;58 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;58 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 11.6500 | 8.1422 |
| &nbsp;&nbsp;&nbsp;58 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;58 | XXXXXX | XXXXXX | Total Monthly Income | 23393.00 | 33545.43 |
| &nbsp;&nbsp;&nbsp;59 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;59 | XXXXXX | XXXXXX | Cash Reserves | 44163.37 | 116434.37 |
| &nbsp;&nbsp;&nbsp;59 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;65 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;66 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;67 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;68 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 44.8400 | 39.7820 |
| &nbsp;&nbsp;&nbsp;68 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;74 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;74 | XXXXXX | XXXXXX | Cash Reserves | 1018095.60 | 744129.55 |
| &nbsp;&nbsp;&nbsp;74 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;75 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;78 | XXXXXX | XXXXXX | Cash Reserves | 188893.27 | 75286.48 |
| &nbsp;&nbsp;&nbsp;80 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;82 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;82 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;84 | XXXXXX | XXXXXX | Cash Reserves | 63423.28 | 2026.67 |
| &nbsp;&nbsp;&nbsp;84 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;89 | XXXXXX | XXXXXX | Cash Reserves | 67899.84 | 29159.59 |
| &nbsp;&nbsp;&nbsp;89 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;97 | XXXXXX | XXXXXX | Cash Reserves | 333632.04 | 157854.55 |
| &nbsp;&nbsp;&nbsp;97 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;99 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;100 | XXXXXX | XXXXXX | Cash Reserves | 249549.24 | 383866.39 |
| &nbsp;&nbsp;&nbsp;100 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 41.9000 | 46.3869 |
| &nbsp;&nbsp;&nbsp;100 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;103 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;106 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;110 | XXXXXX | XXXXXX | Cash Reserves | 293776.00 | 177111.11 |
| &nbsp;&nbsp;&nbsp;110 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;110 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;114 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;121 | XXXXXX | XXXXXX | Cash Reserves | 208500.22 | 360307.53 |
| &nbsp;&nbsp;&nbsp;121 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;123 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;123 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;125 | XXXXXX | XXXXXX | Cash Reserves | 535186.27 | 236980.25 |
| &nbsp;&nbsp;&nbsp;125 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;130 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 31.3500 | 9.2556 |
| &nbsp;&nbsp;&nbsp;130 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;136 | XXXXXX | XXXXXX | Cash Reserves | 228621.34 | 105876.78 |
| &nbsp;&nbsp;&nbsp;136 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;138 | XXXXXX | XXXXXX | Cash Reserves | 377579.42 | 183181.08 |
| &nbsp;&nbsp;&nbsp;138 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;145 | XXXXXX | XXXXXX | Cash Reserves | 176489.82 | 100604.30 |
| &nbsp;&nbsp;&nbsp;145 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;146 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;146 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;149 | XXXXXX | XXXXXX | Cash Reserves | 82896.31 | 41491.52 |
| &nbsp;&nbsp;&nbsp;149 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;149 | XXXXXX | XXXXXX | Property Type | Detached PUD | SFR |
| &nbsp;&nbsp;&nbsp;151 | XXXXXX | XXXXXX | Cash Reserves | 203972.68 | 60346.15 |
| &nbsp;&nbsp;&nbsp;151 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 26.8000 | 22.6202 |
| &nbsp;&nbsp;&nbsp;151 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;161 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;161 | XXXXXX | XXXXXX | Cash Reserves | 315042.93 | 228581.53 |
| &nbsp;&nbsp;&nbsp;161 | XXXXXX | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;161 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| &nbsp;&nbsp;&nbsp;164 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;164 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;164 | XXXXXX | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;172 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;172 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;182 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;1070 | XXXXXX | XXXXXX | Cash Reserves | 180532.04 | 23299.43 |
| &nbsp;&nbsp;&nbsp;195 | XXXXXX | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| &nbsp;&nbsp;&nbsp;195 | XXXXXX | XXXXXX | Cash Reserves | 35770.31 | 70794.77 |
| &nbsp;&nbsp;&nbsp;195 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;195 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;196 | XXXXXX | XXXXXX | Property Type | SFR | Manufactured (Dbl) |
| &nbsp;&nbsp;&nbsp;199 | XXXXXX | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;199 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;200 | XXXXXX | XXXXXX | Cash Reserves | 231467.76 | 118626.03 |
| &nbsp;&nbsp;&nbsp;200 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;202 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;207 | XXXXXX | XXXXXX | Cash Reserves | 74402.56 | 1090619.95 |
| &nbsp;&nbsp;&nbsp;208 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;208 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 39.3200 | 35.0553 |
| &nbsp;&nbsp;&nbsp;211 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;213 | XXXXXX | XXXXXX | Cash Reserves | 196551.34 | 77753.83 |
| &nbsp;&nbsp;&nbsp;214 | XXXXXX | XXXXXX | Cash Reserves | 46217.14 | 107932.46 |
| &nbsp;&nbsp;&nbsp;214 | XXXXXX | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;214 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;215 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;1067 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;216 | XXXXXX | XXXXXX | Cash Reserves | 599404.51 | 280568.33 |
| &nbsp;&nbsp;&nbsp;217 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;217 | XXXXXX | XXXXXX | Cash Reserves | 90579.43 | 63873.03 |
| &nbsp;&nbsp;&nbsp;232 | XXXXXX | XXXXXX | Cash Reserves | 755400.12 | 453240.07 |
| &nbsp;&nbsp;&nbsp;236 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;239 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;241 | XXXXXX | XXXXXX | Cash Reserves | 547790.45 | 96845.02 |
| &nbsp;&nbsp;&nbsp;241 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;243 | XXXXXX | XXXXXX | Cash Reserves | 114799.15 | 24813.97 |
| &nbsp;&nbsp;&nbsp;245 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 43.7640 | 48.7186 |
| &nbsp;&nbsp;&nbsp;246 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;247 | XXXXXX | XXXXXX | Cash Reserves | 54520.71 | 25522.63 |
| &nbsp;&nbsp;&nbsp;247 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;249 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;250 | XXXXXX | XXXXXX | Cash Reserves | 157914.03 | 38278.40 |
| &nbsp;&nbsp;&nbsp;250 | XXXXXX | XXXXXX | Representative Credit Score for Grading | 725 | 735 |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;252 | XXXXXX | XXXXXX | Borrower 1 Date of Birth | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;252 | XXXXXX | XXXXXX | Cash Reserves | 370067.55 | 157386.33 |
| &nbsp;&nbsp;&nbsp;269 | XXXXXX | XXXXXX | Cash Reserves | 659615.51 | 485395.74 |
| &nbsp;&nbsp;&nbsp;271 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;274 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;274 | XXXXXX | XXXXXX | Cash Reserves | 215458.73 | 155570.96 |
| &nbsp;&nbsp;&nbsp;276 | XXXXXX | XXXXXX | Cash Reserves | 720448.65 | 908394.50 |
| &nbsp;&nbsp;&nbsp;278 | XXXXXX | XXXXXX | Cash Reserves | 130898.57 | 75458.52 |
| &nbsp;&nbsp;&nbsp;280 | XXXXXX | XXXXXX | Cash Reserves | 112863.86 | 51317.49 |
| &nbsp;&nbsp;&nbsp;280 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 24.4130 | 33.1272 |
| &nbsp;&nbsp;&nbsp;281 | XXXXXX | XXXXXX | Cash Reserves | 74637.35 | 9832.63 |
| &nbsp;&nbsp;&nbsp;283 | XXXXXX | XXXXXX | Cash Reserves | 241819.17 | 60060.71 |
| &nbsp;&nbsp;&nbsp;283 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;283 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 37.0770 | 32.9838 |
| &nbsp;&nbsp;&nbsp;283 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;285 | XXXXXX | XXXXXX | Cash Reserves | 133205.52 | 83134.80 |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | XXXXXX | Cash Reserves | 237369.80 | 42138.14 |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | XXXXXX | Property Type | Rowhouse | SFR-Attached |
| &nbsp;&nbsp;&nbsp;301 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;305 | XXXXXX | XXXXXX | Cash Reserves | 317257.47 | 781309.29 |
| &nbsp;&nbsp;&nbsp;305 | XXXXXX | XXXXXX | Property Type | Rowhouse | Low Rise Condo (1-4) |
| &nbsp;&nbsp;&nbsp;312 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;313 | XXXXXX | XXXXXX | Cash Reserves | 133748.06 | 7056.53 |
| &nbsp;&nbsp;&nbsp;317 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;317 | XXXXXX | XXXXXX | Cash Reserves | 184149.71 | 42999.78 |
| &nbsp;&nbsp;&nbsp;332 | XXXXXX | XXXXXX | Cash Reserves | 102535.53 | 31474.50 |
| &nbsp;&nbsp;&nbsp;341 | XXXXXX | XXXXXX | Cash Reserves | 131252.82 | 12758.96 |
| &nbsp;&nbsp;&nbsp;342 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;349 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;352 | XXXXXX | XXXXXX | Cash Reserves | 96785.52 | 47501.13 |
| &nbsp;&nbsp;&nbsp;353 | XXXXXX | XXXXXX | Cash Reserves | 297644.08 | 880058.08 |
| &nbsp;&nbsp;&nbsp;359 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;362 | XXXXXX | XXXXXX | Cash Reserves | 222015.79 | 153063.81 |
| &nbsp;&nbsp;&nbsp;362 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;364 | XXXXXX | XXXXXX | Cash Reserves | 374008.87 | 167300.15 |
| &nbsp;&nbsp;&nbsp;364 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 12.3250 | 17.5329 |
| &nbsp;&nbsp;&nbsp;376 | XXXXXX | XXXXXX | Cash Reserves | 148454.81 | 38462.14 |
| &nbsp;&nbsp;&nbsp;379 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;389 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;389 | XXXXXX | XXXXXX | Cash Reserves | 176329.61 | 128174.95 |
| &nbsp;&nbsp;&nbsp;389 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 45.0960 | 49.8510 |
| &nbsp;&nbsp;&nbsp;391 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;391 | XXXXXX | XXXXXX | Cash Reserves | 142192.63 | 74655.04 |
| &nbsp;&nbsp;&nbsp;392 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;394 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;397 | XXXXXX | XXXXXX | Cash Reserves | 375674.86 | 252861.71 |
| &nbsp;&nbsp;&nbsp;397 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;407 | XXXXXX | XXXXXX | Cash Reserves | 239692.32 | 114825.51 |
| &nbsp;&nbsp;&nbsp;407 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;412 | XXXXXX | XXXXXX | Cash Reserves | 1818825.25 | 2594664.21 |
| &nbsp;&nbsp;&nbsp;417 | XXXXXX | XXXXXX | Cash Reserves | 149217.71 | 71564.81 |
| &nbsp;&nbsp;&nbsp;420 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;421 | XXXXXX | XXXXXX | Cash Reserves | 186969.34 | 55808.92 |
| &nbsp;&nbsp;&nbsp;425 | XXXXXX | XXXXXX | Cash Reserves | 175223.22 | 53900.11 |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;427 | XXXXXX | XXXXXX | Cash Reserves | 104352.32 | 12977.91 |
| &nbsp;&nbsp;&nbsp;427 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;427 | XXXXXX | XXXXXX | Representative Credit Score for Grading | 711 | 705 |
| &nbsp;&nbsp;&nbsp;432 | XXXXXX | XXXXXX | Cash Reserves | 105010.59 | 34785.16 |
| &nbsp;&nbsp;&nbsp;437 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;443 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;444 | XXXXXX | XXXXXX | Cash Reserves | 205987.70 | 118068.83 |
| &nbsp;&nbsp;&nbsp;451 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;459 | XXXXXX | XXXXXX | Cash Reserves | 73801.82 | 21938.50 |
| &nbsp;&nbsp;&nbsp;460 | XXXXXX | XXXXXX | Cash Reserves | 189849.25 | 77138.81 |
| &nbsp;&nbsp;&nbsp;461 | XXXXXX | XXXXXX | Min Number | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;463 | XXXXXX | XXXXXX | Cash Reserves | 73639.56 | 33446.12 |
| &nbsp;&nbsp;&nbsp;467 | XXXXXX | XXXXXX | Cash Reserves | 84582.18 | 23609.74 |
| &nbsp;&nbsp;&nbsp;467 | XXXXXX | XXXXXX | Property Type | Rowhouse | SFR |
| &nbsp;&nbsp;&nbsp;477 | XXXXXX | XXXXXX | Cash Reserves | 213948.78 | 75814.32 |
| &nbsp;&nbsp;&nbsp;477 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;477 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;478 | XXXXXX | XXXXXX | Cash Reserves | 152051.74 | 73178.40 |
| &nbsp;&nbsp;&nbsp;482 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;482 | XXXXXX | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;483 | XXXXXX | XXXXXX | Cash Reserves | 154550.02 | 60847.14 |
| &nbsp;&nbsp;&nbsp;499 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;499 | XXXXXX | XXXXXX | Cash Reserves | 721692.48 | 89590.94 |
| &nbsp;&nbsp;&nbsp;500 | XXXXXX | XXXXXX | Cash Reserves | 205783.35 | 39850.89 |
| &nbsp;&nbsp;&nbsp;503 | XXXXXX | XXXXXX | Cash Reserves | 124059.84 | 25577.88 |
| &nbsp;&nbsp;&nbsp;504 | XXXXXX | XXXXXX | Cash Reserves | 247506.92 | 325645.45 |
| &nbsp;&nbsp;&nbsp;506 | XXXXXX | XXXXXX | Cash Reserves | 324090.42 | 110552.04 |
| &nbsp;&nbsp;&nbsp;513 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;515 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;518 | XXXXXX | XXXXXX | Cash Reserves | 130850.26 | 26680.22 |
| &nbsp;&nbsp;&nbsp;518 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 23.0100 | 35.3692 |
| &nbsp;&nbsp;&nbsp;520 | XXXXXX | XXXXXX | Borrower 2 Self Employed Flag | No | Yes |
| &nbsp;&nbsp;&nbsp;528 | XXXXXX | XXXXXX | Cash Reserves | 224978.90 | 40570.27 |
| &nbsp;&nbsp;&nbsp;529 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;529 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;532 | XXXXXX | XXXXXX | Cash Reserves | 61908.84 | 33644.09 |
| &nbsp;&nbsp;&nbsp;535 | XXXXXX | XXXXXX | Cash Reserves | 150376.66 | 55321.52 |
| &nbsp;&nbsp;&nbsp;535 | XXXXXX | XXXXXX | Total Monthly Income | 3638.00 | 2571.10 |
| &nbsp;&nbsp;&nbsp;540 | XXXXXX | XXXXXX | Cash Reserves | 233116.80 | 108680.89 |
| &nbsp;&nbsp;&nbsp;542 | XXXXXX | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| &nbsp;&nbsp;&nbsp;542 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;542 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 49.6540 | 34.0733 |
| &nbsp;&nbsp;&nbsp;547 | XXXXXX | XXXXXX | Cash Reserves | 249298.96 | 169282.33 |
| &nbsp;&nbsp;&nbsp;548 | XXXXXX | XXXXXX | Cash Reserves | 111344.93 | 21744.01 |
| &nbsp;&nbsp;&nbsp;554 | XXXXXX | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| &nbsp;&nbsp;&nbsp;554 | XXXXXX | XXXXXX | Cash Reserves | 87969.38 | 43192.66 |
| &nbsp;&nbsp;&nbsp;554 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 42.3250 | 38.1080 |
| &nbsp;&nbsp;&nbsp;554 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;557 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;557 | XXXXXX | XXXXXX | Cash Reserves | 787157.40 | 50701.17 |
| &nbsp;&nbsp;&nbsp;559 | XXXXXX | XXXXXX | Cash Reserves | 250903.71 | 112110.61 |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;561 | XXXXXX | XXXXXX | Cash Reserves | 154907.86 | 84516.26 |
| &nbsp;&nbsp;&nbsp;562 | XXXXXX | XXXXXX | Cash Reserves | 139428.03 | 55280.01 |
| &nbsp;&nbsp;&nbsp;570 | XXXXXX | XXXXXX | Cash Reserves | 238637.65 | 154865.72 |
| &nbsp;&nbsp;&nbsp;570 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;574 | XXXXXX | XXXXXX | Cash Reserves | 222278.69 | 90529.80 |
| &nbsp;&nbsp;&nbsp;577 | XXXXXX | XXXXXX | Cash Reserves | 238850.43 | 115995.57 |
| &nbsp;&nbsp;&nbsp;577 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;584 | XXXXXX | XXXXXX | Cash Reserves | 181569.62 | 44002.36 |
| &nbsp;&nbsp;&nbsp;585 | XXXXXX | XXXXXX | Cash Reserves | 139458.87 | 88261.05 |
| &nbsp;&nbsp;&nbsp;590 | XXXXXX | XXXXXX | Cash Reserves | 243368.82 | 119196.37 |
| &nbsp;&nbsp;&nbsp;593 | XXXXXX | XXXXXX | Cash Reserves | 301963.85 | 215582.75 |
| &nbsp;&nbsp;&nbsp;594 | XXXXXX | XXXXXX | Cash Reserves | 187534.75 | 72769.09 |
| &nbsp;&nbsp;&nbsp;595 | XXXXXX | XXXXXX | Cash Reserves | 134668.28 | 35918.28 |
| &nbsp;&nbsp;&nbsp;599 | XXXXXX | XXXXXX | Cash Reserves | 164458.28 | 46221.04 |
| &nbsp;&nbsp;&nbsp;601 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;601 | XXXXXX | XXXXXX | Cash Reserves | 208788.17 | 137525.03 |
| &nbsp;&nbsp;&nbsp;603 | XXXXXX | XXXXXX | Cash Reserves | 324076.84 | 200143.18 |
| &nbsp;&nbsp;&nbsp;603 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;607 | XXXXXX | XXXXXX | Cash Reserves | 251523.32 | 142147.78 |
| &nbsp;&nbsp;&nbsp;613 | XXXXXX | XXXXXX | Cash Reserves | 90091.66 | 25285.22 |
| &nbsp;&nbsp;&nbsp;616 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;616 | XXXXXX | XXXXXX | Cash Reserves | 292815.74 | 138751.87 |
| &nbsp;&nbsp;&nbsp;617 | XXXXXX | XXXXXX | Cash Reserves | 437008.30 | 314167.49 |
| &nbsp;&nbsp;&nbsp;618 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;625 | XXXXXX | XXXXXX | Property Type | Rowhouse | Low Rise Condo (1-4) |
| &nbsp;&nbsp;&nbsp;633 | XXXXXX | XXXXXX | Cash Reserves | 18615.68 | 6651.36 |
| &nbsp;&nbsp;&nbsp;633 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;635 | XXXXXX | XXXXXX | Cash Reserves | 655765.31 | 455187.60 |
| &nbsp;&nbsp;&nbsp;638 | XXXXXX | XXXXXX | Cash Reserves | 73125.37 | 25804.47 |
| &nbsp;&nbsp;&nbsp;640 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;640 | XXXXXX | XXXXXX | Cash Reserves | 239273.79 | 912014.27 |
| &nbsp;&nbsp;&nbsp;646 | XXXXXX | XXXXXX | Cash Reserves | 201753.57 | 107547.42 |
| &nbsp;&nbsp;&nbsp;646 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 44.9500 | 27.2462 |
| &nbsp;&nbsp;&nbsp;647 | XXXXXX | XXXXXX | Cash Reserves | 242982.22 | 119594.40 |
| &nbsp;&nbsp;&nbsp;651 | XXXXXX | XXXXXX | Cash Reserves | 414978.28 | 617716.98 |
| &nbsp;&nbsp;&nbsp;654 | XXXXXX | XXXXXX | Cash Reserves | 585036.45 | 784346.95 |
| &nbsp;&nbsp;&nbsp;655 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;658 | XXXXXX | XXXXXX | Cash Reserves | 193630.01 | 130197.31 |
| &nbsp;&nbsp;&nbsp;660 | XXXXXX | XXXXXX | Cash Reserves | 292789.63 | 97729.01 |
| &nbsp;&nbsp;&nbsp;660 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 33.7980 | 47.4590 |
| &nbsp;&nbsp;&nbsp;665 | XXXXXX | XXXXXX | Cash Reserves | 208461.32 | 58067.69 |
| &nbsp;&nbsp;&nbsp;667 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;670 | XXXXXX | XXXXXX | Borrower 1 Date of Birth | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;670 | XXXXXX | XXXXXX | Borrower 1 First Name | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;670 | XXXXXX | XXXXXX | Borrower 1 Last Name | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;670 | XXXXXX | XXXXXX | Borrower 1 SSN | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;670 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;670 | XXXXXX | XXXXXX | Borrower 2 First Name | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;670 | XXXXXX | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;670 | XXXXXX | XXXXXX | Borrower 2 SSN | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;670 | XXXXXX | XXXXXX | Cash Reserves | 160459.36 | 39643.63 |
| &nbsp;&nbsp;&nbsp;672 | XXXXXX | XXXXXX | Cash Reserves | 16216.64 | 29469.06 |
| &nbsp;&nbsp;&nbsp;674 | XXXXXX | XXXXXX | Cash Reserves | 141398.25 | 61175.06 |
| &nbsp;&nbsp;&nbsp;674 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;677 | XXXXXX | XXXXXX | Cash Reserves | 180736.77 | 57695.89 |
| &nbsp;&nbsp;&nbsp;682 | XXXXXX | XXXXXX | Cash Reserves | 694420.83 | 475257.14 |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;688 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;692 | XXXXXX | XXXXXX | Cash Reserves | 151927.84 | 91850.61 |
| &nbsp;&nbsp;&nbsp;697 | XXXXXX | XXXXXX | Cash Reserves | 84833.89 | 22068.67 |
| &nbsp;&nbsp;&nbsp;707 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;707 | XXXXXX | XXXXXX | Cash Reserves | 191765.62 | 100446.26 |
| &nbsp;&nbsp;&nbsp;707 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 45.4610 | 41.7921 |
| &nbsp;&nbsp;&nbsp;713 | XXXXXX | XXXXXX | Cash Reserves | 171088.96 | 85704.69 |
| &nbsp;&nbsp;&nbsp;714 | XXXXXX | XXXXXX | Cash Reserves | 189350.91 | 87947.67 |
| &nbsp;&nbsp;&nbsp;721 | XXXXXX | XXXXXX | Cash Reserves | 869116.26 | 278878.06 |
| &nbsp;&nbsp;&nbsp;723 | XXXXXX | XXXXXX | Cash Reserves | 170866.61 | 1747036.83 |
| &nbsp;&nbsp;&nbsp;726 | XXXXXX | XXXXXX | Cash Reserves | 98270.17 | 41038.23 |
| &nbsp;&nbsp;&nbsp;730 | XXXXXX | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;738 | XXXXXX | XXXXXX | Cash Reserves | 126627.02 | 64757.32 |
| &nbsp;&nbsp;&nbsp;738 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;742 | XXXXXX | XXXXXX | Cash Reserves | 215242.51 | 280047.04 |
| &nbsp;&nbsp;&nbsp;743 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;744 | XXXXXX | XXXXXX | Cash Reserves | 328530.96 | 153953.35 |
| &nbsp;&nbsp;&nbsp;748 | XXXXXX | XXXXXX | Cash Reserves | 9001.71 | 5417.54 |
| &nbsp;&nbsp;&nbsp;748 | XXXXXX | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| &nbsp;&nbsp;&nbsp;750 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;750 | XXXXXX | XXXXXX | Cash Reserves | 162298.10 | 211114.63 |
| &nbsp;&nbsp;&nbsp;759 | XXXXXX | XXXXXX | Cash Reserves | 78627.85 | 5531.61 |
| &nbsp;&nbsp;&nbsp;760 | XXXXXX | XXXXXX | Cash Reserves | 393022.90 | 233063.51 |
| &nbsp;&nbsp;&nbsp;760 | XXXXXX | XXXXXX | Property Type | Rowhouse | SFR-Attached |
| &nbsp;&nbsp;&nbsp;765 | XXXXXX | XXXXXX | Cash Reserves | 237373.39 | 170308.02 |
| &nbsp;&nbsp;&nbsp;765 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 29.3030 | 35.2595 |
| &nbsp;&nbsp;&nbsp;776 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;778 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;779 | XXXXXX | XXXXXX | Cash Reserves | 107407.22 | 37039.87 |
| &nbsp;&nbsp;&nbsp;779 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;780 | XXXXXX | XXXXXX | Cash Reserves | 80100.60 | 58402.98 |
| &nbsp;&nbsp;&nbsp;781 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;781 | XXXXXX | XXXXXX | Cash Reserves | 93225.28 | 21663.75 |
| &nbsp;&nbsp;&nbsp;783 | XXXXXX | XXXXXX | Cash Reserves | 184875.94 | 1140696.95 |
| &nbsp;&nbsp;&nbsp;783 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;783 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| &nbsp;&nbsp;&nbsp;784 | XXXXXX | XXXXXX | Cash Reserves | 151504.17 | 197367.19 |
| &nbsp;&nbsp;&nbsp;784 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;795 | XXXXXX | XXXXXX | Cash Reserves | 94008.50 | 27853.78 |
| &nbsp;&nbsp;&nbsp;796 | XXXXXX | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;800 | XXXXXX | XXXXXX | Cash Reserves | 160271.12 | 47399.30 |
| &nbsp;&nbsp;&nbsp;803 | XXXXXX | XXXXXX | Cash Reserves | 231782.88 | 92707.01 |
| &nbsp;&nbsp;&nbsp;807 | XXXXXX | XXXXXX | Cash Reserves | 13000.00 | 179754.20 |
| &nbsp;&nbsp;&nbsp;809 | XXXXXX | XXXXXX | Cash Reserves | 566848.25 | 270791.31 |
| &nbsp;&nbsp;&nbsp;810 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;810 | XXXXXX | XXXXXX | Cash Reserves | 253985.89 | 184276.20 |
| &nbsp;&nbsp;&nbsp;814 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;815 | XXXXXX | XXXXXX | Cash Reserves | 691953.53 | 1090270.87 |
| &nbsp;&nbsp;&nbsp;818 | XXXXXX | XXXXXX | Cash Reserves | 161423.81 | 84642.98 |
| &nbsp;&nbsp;&nbsp;823 | XXXXXX | XXXXXX | Cash Reserves | 142474.49 | 56545.52 |
| &nbsp;&nbsp;&nbsp;823 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;825 | XXXXXX | XXXXXX | Cash Reserves | 116293.35 | 42617.30 |
| &nbsp;&nbsp;&nbsp;830 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;834 | XXXXXX | XXXXXX | Cash Reserves | 245220.87 | 43039.10 |
| &nbsp;&nbsp;&nbsp;836 | XXXXXX | XXXXXX | Cash Reserves | 189449.70 | 107466.99 |
| &nbsp;&nbsp;&nbsp;837 | XXXXXX | XXXXXX | Cash Reserves | 369985.91 | 241785.48 |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;837 | XXXXXX | XXXXXX | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) |
| &nbsp;&nbsp;&nbsp;838 | XXXXXX | XXXXXX | Cash Reserves | 211711.44 | 119896.79 |
| &nbsp;&nbsp;&nbsp;846 | XXXXXX | XXXXXX | Cash Reserves | 60740.82 | 24492.53 |
| &nbsp;&nbsp;&nbsp;849 | XXXXXX | XXXXXX | Cash Reserves | 103792.50 | 44550.78 |
| &nbsp;&nbsp;&nbsp;849 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 45.0050 | 32.5311 |
| &nbsp;&nbsp;&nbsp;854 | XXXXXX | XXXXXX | Cash Reserves | 191981.33 | 114553.76 |
| &nbsp;&nbsp;&nbsp;855 | XXXXXX | XXXXXX | Cash Reserves | 138096.64 | 79324.29 |
| &nbsp;&nbsp;&nbsp;859 | XXXXXX | XXXXXX | Cash Reserves | 239259.14 | 103426.00 |
| &nbsp;&nbsp;&nbsp;860 | XXXXXX | XXXXXX | Cash Reserves | 193626.03 | 120853.87 |
| &nbsp;&nbsp;&nbsp;862 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;862 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 26.4640 | 30.9997 |
| &nbsp;&nbsp;&nbsp;863 | XXXXXX | XXXXXX | Cash Reserves | 102892.71 | 19781.54 |
| &nbsp;&nbsp;&nbsp;869 | XXXXXX | XXXXXX | Cash Reserves | 232992.83 | 144921.50 |
| &nbsp;&nbsp;&nbsp;876 | XXXXXX | XXXXXX | Cash Reserves | 218719.87 | 443962.54 |
| &nbsp;&nbsp;&nbsp;877 | XXXXXX | XXXXXX | Cash Reserves | 268953.13 | 123962.74 |
| &nbsp;&nbsp;&nbsp;879 | XXXXXX | XXXXXX | Cash Reserves | 226722.15 | 45496.66 |
| &nbsp;&nbsp;&nbsp;888 | XXXXXX | XXXXXX | Cash Reserves | 465431.85 | 18149.84 |
| &nbsp;&nbsp;&nbsp;890 | XXXXXX | XXXXXX | Cash Reserves | 99411.50 | 255693.12 |
| &nbsp;&nbsp;&nbsp;890 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;895 | XXXXXX | XXXXXX | Cash Reserves | 315576.52 | 213654.11 |
| &nbsp;&nbsp;&nbsp;901 | XXXXXX | XXXXXX | Cash Reserves | 383615.29 | 712307.42 |
| &nbsp;&nbsp;&nbsp;909 | XXXXXX | XXXXXX | Cash Reserves | 510300.03 | 311354.43 |
| &nbsp;&nbsp;&nbsp;910 | XXXXXX | XXXXXX | Cash Reserves | 102000.81 | 317731.71 |
| &nbsp;&nbsp;&nbsp;910 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;910 | XXXXXX | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;910 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;916 | XXXXXX | XXXXXX | Cash Reserves | 114923.50 | 46325.57 |
| &nbsp;&nbsp;&nbsp;919 | XXXXXX | XXXXXX | Cash Reserves | 268148.81 | 171850.00 |
| &nbsp;&nbsp;&nbsp;920 | XXXXXX | XXXXXX | Cash Reserves | 115354.16 | 36222.70 |
| &nbsp;&nbsp;&nbsp;920 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;928 | XXXXXX | XXXXXX | Cash Reserves | 216263.70 | 93121.99 |
| &nbsp;&nbsp;&nbsp;936 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;936 | XXXXXX | XXXXXX | Cash Reserves | 400448.87 | 288215.47 |
| &nbsp;&nbsp;&nbsp;936 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 25.9480 | 20.2719 |
| &nbsp;&nbsp;&nbsp;936 | XXXXXX | XXXXXX | Total Monthly Income | 23438.00 | 30000.00 |
| &nbsp;&nbsp;&nbsp;937 | XXXXXX | XXXXXX | Property Type | Rowhouse | SFR-Attached |
| &nbsp;&nbsp;&nbsp;938 | XXXXXX | XXXXXX | Cash Reserves | 192370.98 | 48704.68 |
| &nbsp;&nbsp;&nbsp;938 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 32.0400 | 28.5079 |
| &nbsp;&nbsp;&nbsp;942 | XXXXXX | XXXXXX | Cash Reserves | 409405.98 | 104950.47 |
| &nbsp;&nbsp;&nbsp;943 | XXXXXX | XXXXXX | Cash Reserves | 78897.59 | 348018.31 |
| &nbsp;&nbsp;&nbsp;943 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;951 | XXXXXX | XXXXXX | Cash Reserves | 166634.84 | 109564.44 |
| &nbsp;&nbsp;&nbsp;952 | XXXXXX | XXXXXX | Cash Reserves | 358694.98 | 256987.67 |
| &nbsp;&nbsp;&nbsp;952 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 48.3600 | 37.0801 |
| &nbsp;&nbsp;&nbsp;953 | XXXXXX | XXXXXX | Cash Reserves | 155425.92 | 240153.72 |
| &nbsp;&nbsp;&nbsp;955 | XXXXXX | XXXXXX | Cash Reserves | 198685.60 | 123238.53 |
| &nbsp;&nbsp;&nbsp;956 | XXXXXX | XXXXXX | Cash Reserves | 140159.25 | 55579.78 |
| &nbsp;&nbsp;&nbsp;957 | XXXXXX | XXXXXX | Cash Reserves | 171231.76 | 75712.60 |
| &nbsp;&nbsp;&nbsp;959 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 35.1320 | 30.3877 |
| &nbsp;&nbsp;&nbsp;966 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;967 | XXXXXX | XXXXXX | Cash Reserves | 284273.18 | 119081.74 |
| &nbsp;&nbsp;&nbsp;969 | XXXXXX | XXXXXX | Cash Reserves | 140875.71 | 264662.64 |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;970 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;971 | XXXXXX | XXXXXX | Cash Reserves | 114044.76 | 31101.67 |
| &nbsp;&nbsp;&nbsp;973 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;975 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;975 | XXXXXX | XXXXXX | Cash Reserves | 509222.07 | 1028987.09 |
| &nbsp;&nbsp;&nbsp;976 | XXXXXX | XXXXXX | Cash Reserves | 231871.00 | 4970.39 |
| &nbsp;&nbsp;&nbsp;982 | XXXXXX | XXXXXX | Cash Reserves | 253361.13 | 137547.46 |
| &nbsp;&nbsp;&nbsp;984 | XXXXXX | XXXXXX | Cash Reserves | 303857.79 | 202319.24 |
| &nbsp;&nbsp;&nbsp;986 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;987 | XXXXXX | XXXXXX | Cash Reserves | 107791.37 | 77386.39 |
| &nbsp;&nbsp;&nbsp;990 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;990 | XXXXXX | XXXXXX | Cash Reserves | 219079.60 | 130575.35 |
| &nbsp;&nbsp;&nbsp;991 | XXXXXX | XXXXXX | Cash Reserves | 368714.19 | 238700.77 |
| &nbsp;&nbsp;&nbsp;992 | XXXXXX | XXXXXX | Cash Reserves | 282059.67 | 79272.65 |
| &nbsp;&nbsp;&nbsp;997 | XXXXXX | XXXXXX | Cash Reserves | 70990.70 | 22983.32 |
| &nbsp;&nbsp;&nbsp;1000 | XXXXXX | XXXXXX | Cash Reserves | 450827.22 | 327215.64 |
| &nbsp;&nbsp;&nbsp;1002 | XXXXXX | XXXXXX | Cash Reserves | 274285.13 | 175562.59 |
| &nbsp;&nbsp;&nbsp;1004 | XXXXXX | XXXXXX | Cash Reserves | 104085.06 | 12719.88 |
| &nbsp;&nbsp;&nbsp;1064 | XXXXXX | XXXXXX | Cash Reserves | 111155.36 | 12204.85 |
| &nbsp;&nbsp;&nbsp;1021 | XXXXXX | XXXXXX | Cash Reserves | 104272.13 | 19491.90 |
| &nbsp;&nbsp;&nbsp;1024 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;1032 | XXXXXX | XXXXXX | Cash Reserves | 97440.52 | 11005.04 |
| &nbsp;&nbsp;&nbsp;1033 | XXXXXX | XXXXXX | Cash Reserves | 134550.62 | 85808.81 |
| &nbsp;&nbsp;&nbsp;1034 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;1034 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;1035 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;1035 | XXXXXX | XXXXXX | Cash Reserves | 124312.59 | 41303.14 |
| &nbsp;&nbsp;&nbsp;1038 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;1041 | XXXXXX | XXXXXX | Cash Reserves | 222970.12 | 72657.67 |
| &nbsp;&nbsp;&nbsp;1043 | XXXXXX | XXXXXX | Cash Reserves | 122011.95 | 47127.94 |
| &nbsp;&nbsp;&nbsp;1048 | XXXXXX | XXXXXX | Cash Reserves | 47016.85 | 32150.50 |
| &nbsp;&nbsp;&nbsp;1051 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;1053 | XXXXXX | XXXXXX | Cash Reserves | 137301.80 | 33793.85 |
| &nbsp;&nbsp;&nbsp;1053 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;1054 | XXXXXX | XXXXXX | Cash Reserves | 145509.00 | 308977.79 |
| &nbsp;&nbsp;&nbsp;1057 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |

---

<sup>©</sup>2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.5

**EXHIBIT 99.5** 

**CLAYTON VALUATIONS SUMMARY** 

------

---

| | |
|:---|:---|
| **Client Name:** | PennyMac |
| **Client Project Name:** | PNMAC PMTLT 2026-INV1_J16411 |
| **Valuations Summary** |  |
| *Loans In Report:* | *390* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** | |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller<br>Loan<br>Number** | **Original<br>Balance** | **Sales**<br> **Price** | **Value For<br>LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM<br>Vendor<br>Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other -<br>Valuation<br>Type** | **Report<br>Date -<br>Other** | **Value<br>-<br>Other** | **Variance<br>Amount<br>- Other** | **Variance<br>(%) -<br>Other** | **CU / LCA<br>Score** | **Valuation<br>Comments<br>Audit** |
| &nbsp;&nbsp;&nbsp;&nbsp; 6 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 8 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 9 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 11 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 12 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 13 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 17 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 19 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 20 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 21 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -6.38% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 23 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 26 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 28 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 29 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 18.38% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 31 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 37 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 43 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 47 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 49 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 50 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 54 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.7 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 58 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 59 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.8 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 60 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 65 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 66 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 67 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 68 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 74 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 75 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 78 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 80 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 82 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -2.56% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 84 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 89 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 91 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 97 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.93% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 99 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 100 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 103 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 106 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 110 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 114 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 121 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 123 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 125 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 127 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 130 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |  |

---

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| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** | |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller<br>Loan<br>Number** | **Original<br>Balance** | **Sales**<br> **Price** | **Value For<br>LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM<br>Vendor<br>Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other -<br>Valuation<br>Type** | **Report<br>Date -<br>Other** | **Value<br>-<br>Other** | **Variance<br>Amount<br>- Other** | **Variance<br>(%) -<br>Other** | **CU / LCA<br>Score** | **Valuation<br>Comments<br>Audit** |
| &nbsp;&nbsp;&nbsp;&nbsp; 136 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 138 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 145 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 146 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 149 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 150 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 151 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 161 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 164 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 168 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 169 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 172 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 175 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 176 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 180 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 182 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 183 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 184 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 1070 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 192 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 195 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 196 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C<br>Manuf<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 199 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 200 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 202 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -2.28% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 204 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 205 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 207 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 208 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -3.08% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 211 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 213 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 214 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 215 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 2.84% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 1067 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 216 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -2.54% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 217 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 219 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 221 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 225 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 227 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 232 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 236 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 239 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 241 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 243 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -2.60% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 245 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 246 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 247 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |  |

---

------

---

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** | |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller<br>Loan<br>Number** | **Original<br>Balance** | **Sales**<br> **Price** | **Value For<br>LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM<br>Vendor<br>Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other -<br>Valuation<br>Type** | **Report<br>Date -<br>Other** | **Value<br>-<br>Other** | **Variance<br>Amount<br>- Other** | **Variance<br>(%) -<br>Other** | **CU / LCA<br>Score** | **Valuation<br>Comments<br>Audit** |
| &nbsp;&nbsp;&nbsp;&nbsp; 249 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004<br> SFR<br> (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 250 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 252 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 254 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 262 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 269 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 1.29% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 271 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 274 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 276 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 278 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 280 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 281 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 283 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 285 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 288 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -6.67% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 294 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 297 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -18.23% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 298 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 299 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 300 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -8.05% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 301 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 302 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 305 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 307 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 312 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 2.33% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 313 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 314 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 317 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 325 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 332 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 334 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 337 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 338 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 341 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 342 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 349 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 352 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 353 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 356 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 358 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 359 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 362 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 364 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 370 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 371 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 376 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -0.36% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 379 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 380 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |  |

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| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** | |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller<br>Loan<br>Number** | **Original<br>Balance** | **Sales**<br> **Price** | **Value For<br>LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM<br>Vendor<br>Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other -**<br> **Valuation<br>Type** | **Report<br>Date -<br>Other** | **Value**<br> **-<br>Other** | **Variance<br>Amount -<br>Other** | **Variance<br>(%) -<br>Other** | **CU / LCA<br>Score** | **Valuation<br>Comments<br>Audit** |
| &nbsp;&nbsp;&nbsp;&nbsp; 389 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 391 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 392 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 394 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -3.38% | XXXXXX | XXXXXX | XXXXXX | -10.63% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 397 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 407 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 408 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 412 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 417 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 420 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 421 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 424 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 425 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 427 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -2.18% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 428 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 432 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 7.12% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 437 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 443 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 444 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 451 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 459 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 460 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 461 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 462 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 463 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 3.94% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 467 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 477 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 20.83% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 478 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 482 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 483 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 484 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 488 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -0.65% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 491 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 499 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 500 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 501 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 503 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 504 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 506 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 513 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 515 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -5.33% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 518 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 520 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 528 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 529 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 531 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 532 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 535 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |

---

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| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** | |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller<br>Loan<br>Number** | **Original<br>Balance** | **Sales**<br> **Price** | **Value For<br>LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM<br>Vendor<br>Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other -<br>Valuation<br>Type** | **Report<br>Date -<br>Other** | **Value<br>-<br>Other** | **Variance<br>Amount<br>- Other** | **Variance<br>(%) -<br>Other** | **CU / LCA<br>Score** | **Valuation<br>Comments<br>Audit** |
| &nbsp;&nbsp;&nbsp;&nbsp; 536 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 540 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 542 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.8 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 545 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 547 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 548 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 554 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 557 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 559 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 561 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 562 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 570 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 574 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 577 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 584 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 585 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 590 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 593 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 594 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 595 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 599 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 601 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 603 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 607 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 608 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 613 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 616 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 617 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 618 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 625 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 626 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.7 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 633 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 3.20% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 635 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 638 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 640 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 646 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 647 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -1.74% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 651 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 654 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 655 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 658 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 660 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 661 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 665 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 667 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 670 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 672 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 674 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |  |

---

------

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| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** | |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller<br>Loan<br>Number** | **Original<br>Balance** | **Sales**<br> **Price** | **Value For<br>LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM<br>Vendor<br>Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other -<br>Valuation<br>Type** | **Report<br>Date -<br>Other** | **Value**<br> **-<br>Other** | **Variance<br>Amount<br>- Other** | **Variance<br>(%) -<br>Other** | **CU / LCA<br>Score** | **Valuation<br>Comments<br>Audit** |
| &nbsp;&nbsp;&nbsp;&nbsp; 677 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 682 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 686 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 688 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -8.16% | XXXXXX | XXXXXX | XXXXXX | -13.61% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 689 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 690 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 692 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 697 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 704 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -0.73% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 707 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.8 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 709 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 713 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 714 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 718 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 721 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 723 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 726 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 730 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 732 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 738 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 742 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 743 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 744 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 748 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 750 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 754 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 759 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.9 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 760 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 765 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 766 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 768 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 773 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 776 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 778 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 779 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 780 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 781 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 783 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -2.21% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 784 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 1.74% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 787 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 795 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 796 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 798 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -12.44% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 800 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 803 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 805 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 807 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -23.66% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 809 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |  |

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| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** | |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller<br>Loan<br>Number** | **Original<br>Balance** | **Sales**<br> **Price** | **Value For<br>LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM<br>Vendor<br>Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other -<br>Valuation<br>Type** | **Report<br>Date -<br>Other** | **Value<br>-<br>Other** | **Variance<br>Amount<br>- Other** | **Variance<br>(%) -<br>Other** | **CU / LCA<br>Score** | **Valuation<br>Comments<br>Audit** |
| &nbsp;&nbsp;&nbsp;&nbsp; 810 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 814 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 815 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.7 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 816 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 818 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 823 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 825 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 830 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 834 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 836 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -6.49% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 837 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 838 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 841 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -7.76% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 846 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 849 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 853 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 854 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 855 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 856 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 1071 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 859 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 860 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 861 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 862 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 863 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 1072 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 869 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 873 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 876 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 877 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 879 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 888 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 890 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 895 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 896 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 901 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 905 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 909 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 910 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 916 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 919 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 920 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 925 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 928 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 932 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 936 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 937 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 938 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.4 |  |

---

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| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** | |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller<br>Loan<br>Number** | **Original<br>Balance** | **Sales**<br> **Price** | **Value For<br>LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM<br>Vendor<br>Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other -<br>Valuation<br>Type** | **Report<br>Date -<br>Other** | **Value<br>-<br>Other** | **Variance<br>Amount<br>- Other** | **Variance<br>(%) -<br>Other** | **CU / LCA<br>Score** | **Valuation<br>Comments<br>Audit** |
| &nbsp;&nbsp;&nbsp;&nbsp; 939 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 6.94% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 940 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 942 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 943 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 946 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 950 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 951 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 952 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 953 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 954 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 955 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 956 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 957 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 959 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 22.66% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 963 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 966 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 967 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 969 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 970 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -2.60% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 971 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 973 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 975 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 976 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 982 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 984 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 986 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 987 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 990 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 991 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 992 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 997 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 998 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 999 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 1000 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 1002 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 1004 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 1064 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 1021 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 1024 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 1027 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.9 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 1032 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 1033 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 1034 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 1035 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 1038 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 1041 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 1043 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -4.76% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.7 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 1047 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 1048 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 1051 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 1053 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 1054 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 1057 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 1058 | XXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |  |

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The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com