# EDGAR Filing Document

**Accession Number:** 0000807641
**File Stem:** 0001387131-23-001664
**Filing Date:** 2023-2
**Character Count:** 2044675
**Document Hash:** c282923aa04981bcb102d60f57c09c05
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001387131-23-001664.hdr.sgml**: 20230209

**ACCESSION NUMBER**: 0001387131-23-001664

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

**PUBLIC DOCUMENT COUNT**: 23

**CONFORMED PERIOD OF REPORT**: 20230209

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

**FILED AS OF DATE**: 20230209

**DATE AS OF CHANGE**: 20230209

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

**ABS ASSET CLASS**: Other

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** GS MORTGAGE SECURITIES CORP
- **CENTRAL INDEX KEY:** 0000807641
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **IRS NUMBER:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-01949
- **FILM NUMBER:** 23607446

**BUSINESS ADDRESS:**
- **STREET 1:** 85 BROAD STREET
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10004

**MAIL ADDRESS:**
- **STREET 1:** 85 BROAD STREET
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10004
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** GS MORTGAGE SECURITIES CORP
- **CENTRAL INDEX KEY:** 0000807641
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **IRS NUMBER:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 85 BROAD STREET
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10004

**MAIL ADDRESS:**
- **STREET 1:** 85 BROAD STREET
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10004

**UNITED STATES<br> SECURITIES AND EXCHANGE COMMISSION<br> Washington, D.C. 20549**

**FORM ABS-15G<br> ASSET-BACKED SECURITIZER<br> REPORT PURSUANT TO SECTION 15G OF<br> 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 _______ to _______.

Date of Report (Date of earliest event reported): _____________ <br> Commission File Number of securitizer: _____________ <br> 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 depositor: <u>0000807641</u>

GS Mortgage-Backed Securities Trust 2023-PJ2

(Exact name of issuing entity as specified in its charter)

Central Index Key Number of issuing entity:

Manju Madhavan, (212) 902-5268

Name and telephone number, including area code, of the person to<br> contact in connection with this filing.

**INFORMATION TO BE INCLUDED IN THE REPORT**

---

| | |
|:---|:---|
| **Item 2.01.** | **<u>Findings and Conclusions of a Third Party Due Diligence Report Obtained By the Issuer</u>** |

---

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.

**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.

Dated: February 9, 2023

---

| | |
|:---|:---|
| GS Mortgage Securities Corp.<br> (Depositor) | GS Mortgage Securities Corp.<br> (Depositor) |
| By: | <u>/s/ Manju Madhavan</u> <br> Name: Manju Madhavan<br> Title: President |

---

**EXHIBIT INDEX**

<u>Exhibit Number</u>

99.1 Disclosures required by Rule 15Ga-2 for Consolidated Analytics, Inc.

[Schedule 1 - Executive Summary](efc23-464_ex991s1.htm)

[Schedule 2 - Exception Detail Report](efc23-464_ex991s2.htm)

[Schedule 3 - Exception Supplemental Report](efc23-464_ex991s3.htm)

[Schedule 4 - Valuation Report](efc23-464_ex991s4.htm)

[Schedule 5 - ASF Report](efc23-464_ex991s5.htm)

[Schedule 6 - Data Compare Report](efc23-464_ex991s6.htm)

[Schedule 7 - Grades Report](efc23-464_ex991s7.htm)

99.2 Disclosures required by Rule 15Ga-2 for AMC Diligence, LLC

[Schedule 1 - Form ABS Due Diligence-15E](efc23-464_ex992s1.htm)

[Schedule 2 - Rating Agency Grades](efc23-464_ex992s2.htm)

[Schedule 3 - Exception Grades](efc23-464_ex992s3.htm)

[Schedule 4 - Valuation Report](efc23-464_ex992s4.htm)

[Schedule 5 - Supplemental Data](efc23-464_ex992s5.htm)

[Schedule 6 - ASF](efc23-464_ex992s6.htm)

[Schedule 7 - Data Compare Summary](efc23-464_ex992s7.htm)

## Exhibit 99.1

[GS Mortgage-Backed Securities Trust 2023-PJ2 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.1 - Schedule 1**

**EXECUTIVE SUMMARY<br> Third Party Due Diligence Review**

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third party due diligence provider, performed the review described below on behalf of its client, Goldman Sachs Mortgage Company. The review included a total of 5 newly originated residential mortgage loans, in connection with the securitization identified as GSMBS 2023-PJ2 (the "Securitization"). The Review was conducted from May 2022 to June 2022 on mortgage loans originated between February 2022 and May 2022.

**Scope of Review**

**Credit Review**

Consolidated Analytics performed a "Credit Review" to verify compliance with guidelines in effect at the time of loan origination, or other guidelines provided by Client prior to review, and ensure the characteristics used by the underwriter are supported by the file documentation; and determine whether any loans outside of those guidelines contain legitimate and approved exceptions with compensating factors.

The Credit Review attempted to confirm the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. QM or ATR Validation / Review of 8 Key Underwriting Factors

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income / Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate borrower(s) monthly gross income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate funds required to close, required reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review file documentation for required level of income and asset verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment Status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly Mortgage Payment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm program, qualifying rate, terms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate all concurrent loans are included in the DTI to properly assess the ability to repay

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage Related Obligations: PITI, HOA, PMI, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate subject loan monthly payment (PITI) and associated obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts / Obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate monthly recurring liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI and/or Residual Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate debt-to-income ratio (DTI) based upon income and debt documentation provided in the file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Documentation meets Appendix Q requirements for QM Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit History

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review credit report for credit history and required credit depth including any / all inquiries

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Determine representative credit score from credit report

&nbsp;&nbsp;&nbsp;&nbsp;b. Validate loan-to-value (LTV) and combined loan-to-value

&nbsp;&nbsp;&nbsp;&nbsp;c. Review borrower's occupancy

&nbsp;&nbsp;&nbsp;&nbsp;d. Validation through third party resource of the subject properties most recent twelve (12) month sales
history

&nbsp;&nbsp;&nbsp;&nbsp;e. Confirm sufficient evidence in loan file, by reviewing the underwriter's decision to approve the
loan based upon the borrows income, debt, and credit history, to support borrower's willingness and ability to repay the debt

&nbsp;&nbsp;&nbsp;&nbsp;f. Confirm that Final 1003 is sufficiently completed

&nbsp;&nbsp;&nbsp;&nbsp;g. Provide Audit 1008 with accurate data based on file documentation

&nbsp;&nbsp;&nbsp;&nbsp;h. Confirm Loan Approval conditions were met

&nbsp;&nbsp;&nbsp;&nbsp;i. Review condominium questionnaire to verify all information is complete, prepared by an authorized representative,
and address any red flags that may deem condominium project ineligible

**Compliance Review**

Consolidated Analytics performed a "Compliance Review" to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Test Loan Estimate(s) for accuracy and completeness as well as timing requirements as required by TRID
Regulations

&nbsp;&nbsp;&nbsp;&nbsp;b. Test Closing Disclosure(s) for accuracy and completeness as well as timing requirements as required by
TRID Regulations

&nbsp;&nbsp;&nbsp;&nbsp;c. Tolerance Testing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare Loan Estimate and Closing Disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Identify Tolerance Violations and applicable cost to cure

&nbsp;&nbsp;&nbsp;&nbsp;d. Comprehensive review of Closing Disclosure to determine transaction accuracy

&nbsp;&nbsp;&nbsp;&nbsp;e. Recalculation of APR and Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;f. Testing of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal High Cost Mortgage provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Federal Higher Priced Mortgage Loans provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Local and/or State Anti-predatory and High Cost provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. HOEPA Points and Fees

&nbsp;&nbsp;&nbsp;&nbsp;g. Determine whether specified federal disclosures were provided timely based upon comparison of the application
date to the dates on such disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Service Provider List

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Home Ownership Counselling Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. ARM Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;h. Compliance with QM as it relates to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. APR Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Points & Fees Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment Penalty Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Product Eligibility Testing

&nbsp;&nbsp;&nbsp;&nbsp;i. Notice of Right to Cancel (Rescission) Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm transaction date, expiration date, and disbursement date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Confirm document is properly executed by all required parties to the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm the correct Right of Rescission document was executed for the transaction
type

&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm through NMLS the loan originator and originating firm's license status was active and properly
disclosed on appropriate loan documents

&nbsp;&nbsp;&nbsp;&nbsp;k. Check the Loan participants against the exclusionary list provided by Client or by the purchaser of the
Loan(s)

&nbsp;&nbsp;&nbsp;&nbsp;l. Review closing documents to ensure that the Mortgage Loan information is complete, accurate, and consistent
with other documents; Confirm collateral documents have been recorded or sent for recording

The Compliance Review did not include any federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consolidated Analytics are dependent upon its receiving complete and accurate data regarding the loans from loan originators and other third parties upon which Consolidated Analytics is relying in reaching such findings.

**Valuation Review**

Consolidated Analytics performed a "Valuation Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Review original appraisal, determination that property is in "average" condition or better,
or property requires cosmetic improvements (as defined by the appraiser) that do not affect habitability. Should an area of concern be
identified with the condition of the property, Consolidated Analytics will alert Client.

&nbsp;&nbsp;&nbsp;&nbsp;b. Review appraisal, determination that property is completely constructed and appraisal is on an "as
is basis," or property is identified as not completely constructed by originating appraiser.

&nbsp;&nbsp;&nbsp;&nbsp;c. Review and determine if the appraisal report was performed on appropriate GSE forms and if the appraiser
indicated in the body of the subject appraisal that the appraisal conforms to USPAP standards.

&nbsp;&nbsp;&nbsp;&nbsp;d. Review and determine the relevance of the comparable properties and ensure that a rational and reliable
value was provided and supported as of the effective date of the Origination Appraisal.

&nbsp;&nbsp;&nbsp;&nbsp;e. Review adjustments (line item, net and gross adjustments) to ensure they are reasonable.

&nbsp;&nbsp;&nbsp;&nbsp;f. Ensure that the appraisal conforms to the guidelines provided from the Client.

&nbsp;&nbsp;&nbsp;&nbsp;g. Review appraisal to ensure all required documents were included.

&nbsp;&nbsp;&nbsp;&nbsp;h. Review location map provided within the appraisal for external obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;i. Ensure highest and best use and zoning complies with guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm there are no marketability issues that affect the subject property.

&nbsp;&nbsp;&nbsp;&nbsp;k. Ensure subject property does not suffer any functional obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;l. Where applicable, determine if the file did not contain the appraisal or other valuation method and a
review could not be performed.

&nbsp;&nbsp;&nbsp;&nbsp;m. Additional valuation product was not required when the CU score provided was 2.5 or below. In the event
the CU score was greater than 2.5, an additional valuation product was obtained to confirm value was supported within 10% tolerance.
In some instances, CDA's were ordered on loans that had an acceptable CU score based on guidance from the seller.

Consolidated Analytics applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third party valuation product.

For loans reviewed in a post-close valuation review scenario (5 loans in total):

Zero (0) loans had a Secondary Appraisal, one (1) loan had a AVM, and four (4) loans had Desktop Reviews. Consolidated Analytics has independent access to the Desktop Reviews ordered by the Aggregator.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then a Field Review, a Broker Price Opinion (BPO) along with a Reconciliation of the values or a 2nd Appraisal was completed. There were zero (0) occurrences of this.

Zero (0) loans had a Field Review or BPO, zero (0) loans had a Full Appraisal Review, and zero (0) loans had an Exterior Only Appraisal Review.

**Product totals may not sum due to multiple products for each loan**

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the 5 mortgage loans reviewed, one (1) unique mortgage loan (20.00% by loan count) had a total of one (1) tape discrepancy across one (1) data field. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;1 | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** |  |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;5 | &nbsp;&nbsp;$4975000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;5 | &nbsp;&nbsp;$4975000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** |  |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Percent of Sample |  |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |  |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |  |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |  |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |  |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |  |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |

---

**Exception Category Summary**

The table below summarizes the individual exceptions which carried an associated "A", "B", "C", or "D" level exception grade. One loan may have carried more than one exception. In such cases, the exception with the lowest grade would drive the loan grade for that particular area of the review. The overall loan grade is the lowest grade for any one particular review scope (ex. a loan with a Compliance Grade of "B", a Credit Grade of "A", and a Property Grade of "A" would receive an overall Loan Grade of "B").

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception Type | &nbsp;&nbsp;Exception Level Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***4*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***5*** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***2*** |

---

**Event Grade Definitions**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Final Loan Grade** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Loan meets Credit, Compliance, and Valuation Guidelines |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and substantially meets published guidelines. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Loan is missing documentation to perform a sufficient review. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Compliance Event Grades** | &nbsp;&nbsp;**Compliance Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan violates one material law or regulation. The material disclosures are absent or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the required legal documents were not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by the AVM or there are other supporting documents in the originators loan file package (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal by the AVM and there are no other valuation support documents in the loan file provided by the Seller. The valuation methodology substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.1

[GS Mortgage-Backed Securities Trust 2023-PJ2 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.1 - Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **GS Loan Number** | **Seller ID Number** | **Finding ID** | **Deal Num** | **Investor Loan Number** | **Deal Specific Name** | **Exception ID** | **Last Name** | **Loan Purpose** | **Occupancy** | **Note Date** | **State** | **Original Loan Amount** | **Loan Status** | **Exception Date** | **Exception Type** | **Exception Subcategory** | **Exception Status** | **Exception Status Change Date** | **Exception Grade** | **Exception** | **Exception Information** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Compensating Factors** | **Statute of Limitation Date** | **Assigned To** | **Status Comment** |
| XXXX | XXXXX | XXXX | XXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | $XXXXXX | Closed | XXXX | Compliance | No Compliance Findings | Cleared | XXXX | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; |  | Complete |  |
| XXXX | XXXXX | XXXX | XXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | $XXXXXX | Closed | XXXX | Credit | No Credit Findings | Cleared | XXXX | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; |  | Complete |  |
| XXXX | XXXXX | XXXX | XXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX | XXX | $XXXXXX | Closed | XXXX | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Cleared | XXXX | 1 | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is 3.50. |  |  | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; |  | Complete | Third Party Valuation Product Provided. |
| XXXX | XXXXX | XXXX | XXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX | XXX | $XXXXXX | Closed | XXXX | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Cleared | XXXX | 1 | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. |  |  | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; |  | Complete | Third Party Valuation Product Provided. |
| XXXX | XXXXX | XXXX | XXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX | XXX | $XXXXXX | Closed | XXXX | Compliance | No Compliance Findings | Cleared | XXXX | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; |  | Complete |  |
| XXXX | XXXXX | XXXX | XXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX | XXX | $XXXXXX | Closed | XXXX | Compliance | No Compliance Findings | Cleared | XXXX | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; |  | Complete |  |
| XXXX | XXXXX | XXXX | XXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX | XXX | $XXXXXX | Closed | XXXX | Credit | No Credit Findings | Cleared | XXXX | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; |  | Complete |  |
| XXXX | XXXXX | XXXX | XXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX | XXX | $XXXXXX | Closed | XXXX | Compliance | No Compliance Findings | Cleared | XXXX | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; |  | Complete |  |
| XXXX | XXXXX | XXXX | XXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX | XXX | $XXXXXX | Closed | XXXX | Credit | No Credit Findings | Cleared | XXXX | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; |  | Complete |  |
| XXXX | XXXXX | XXXX | XXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | $XXXXXX | Closed | XXXX | Compliance | No Compliance Findings | Cleared | XXXX | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; |  | Complete |  |
| XXXX | XXXXX | XXXX | XXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | $XXXXXX | Closed | XXXX | Credit | No Credit Findings | Cleared | XXXX | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; |  | Complete |  |

---

## Exhibit 99.1

[GS Mortgage-Backed Securities Trust 2023-PJ2 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.1 - Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **GS_LOAN_NUMBER** | **Investor Loan Number** | **EXCEPTIONID** | **EXCEPTIONIDDATE** | **CONDITIONCATEGORY** | **CONDITIONSTANDARDIZEDDESCRIPTION** | **EXCEPTIONCHOSEN** | **EDITEDEXCEPTION** | **COMPENSATINGFACTORS** | **FOLLOW-UPCOMMENTS** | **EXCEPTION STATUS** | **CLEAREDDATE** | **OVERRIDEDATE** | **EXCEPTIONLEVELGRADE** | **COMPLETEDATE** | **OUTSIDEQCDATE** | **NOTEDATE** | **PROPERTYSTATE** | **OCCUPANCY** | **PURPOSE** |
| XXXX | XXXXX | XXX-03602 | XXXX | Compliance | No Compliance Findings | No Compliance Findings |  | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; |  | Cleared |  |  | 1 |  |  | XX/XX/XXXX | XXX | Owner occupied | Other than first time Home Purchase |
| XXXX | XXXXX | XXX-03603 | XXXX | Credit | No Credit Findings | No Credit Findings |  | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; |  | Cleared |  |  | 1 |  |  | XX/XX/XXXX | XXX | Owner occupied | Other than first time Home Purchase |
| XXXX | XXXXX | XXX-03158 | XXXX | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 |  | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; |  | Cleared |  |  | 1 | XX/XX/XXXX |  | XX/XX/XXXX | XXX | Second Home | Other than first time Home Purchase |
| XXXX | XXXXX | XXX-03437 | XXXX | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. |  | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; |  | Cleared |  |  | 1 | XX/XX/XXXX |  | XX/XX/XXXX | XXX | Second Home | Other than first time Home Purchase |
| XXXX | XXXXX | XXX-03602 | XXXX | Compliance | No Compliance Findings | No Compliance Findings |  | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; |  | Cleared |  |  | 1 |  |  | XX/XX/XXXX | XXX | Second Home | Other than first time Home Purchase |
| XXXX | XXXXX | XXX-03602 | XXXX | Compliance | No Compliance Findings | No Compliance Findings |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; |  | Cleared |  |  | 1 |  |  | XX/XX/XXXX | XXX | Second Home | Other than first time Home Purchase |
| XXXX | XXXXX | XXX-03603 | XXXX | Credit | No Credit Findings | No Credit Findings |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; |  | Cleared |  |  | 1 |  |  | XX/XX/XXXX | XXX | Second Home | Other than first time Home Purchase |
| XXXX | XXXXX | XXX-03602 | XXXX | Compliance | No Compliance Findings | No Compliance Findings |  | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; |  | Cleared |  |  | 1 |  |  | XX/XX/XXXX | XXX | Second Home | Other than first time Home Purchase |
| XXXX | XXXXX | XXX-03603 | XXXX | Credit | No Credit Findings | No Credit Findings |  | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; |  | Cleared |  |  | 1 |  |  | XX/XX/XXXX | XXX | Second Home | Other than first time Home Purchase |
| XXXX | XXXXX | XXX-03602 | XXXX | Compliance | No Compliance Findings | No Compliance Findings |  | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; |  | Cleared |  |  | 1 |  |  | XX/XX/XXXX | XXX | Owner occupied | Other than first time Home Purchase |
| XXXX | XXXXX | XXX-03603 | XXXX | Credit | No Credit Findings | No Credit Findings |  | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; |  | Cleared |  |  | 1 |  |  | XX/XX/XXXX | XXX | Owner occupied | Other than first time Home Purchase |

---

## Exhibit 99.1

[GS Mortgage-Backed Securities Trust 2023-PJ2 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.1 - Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **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** | **Full Appraisal Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Broker Price Opinion** | **Broker Price Opinion** | **Broker Price Opinion** | **Broker Price Opinion** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** | **AUS Information** |
| **GS Loan Number** | **Pool ID** | **Alternate Loan Number** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV** | **Appraised Date** | **Appraised Value** | **Review Type** | **Secondary Appraised Date** | **Secondary Appraised Value** | **Secondary Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **CUSCORE** | **ISELIGIBLEFORREPANDWARRANTRELIEF** |
| XXXX |  | XXXXX | $XXXXXX | $XXX | $XXX | XX% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | XX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | Eligible |
| XXXX |  | XXXXX | $XXXXXX | $XXX | $XXX | XX% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | XX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| XXXX |  | XXXXX | $XXXXXX | $XXX | $XXX | XX% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | XX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | Not Eligible |
| XXXX |  | XXXXX | $XXXXXX | $XXX | $XXX | XX% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | XX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| XXXX |  | XXXXX | $XXXXXX | $XXX | $XXX | XX% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | XX/XX/XXXX | $XXX | $XXXXX | XX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | Not Eligible |

---

## Exhibit 99.1

[GS Mortgage-Backed Securities Trust 2023-PJ2 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.1 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 |
| **GS Loan Number** | **Loan Number** | **Primary Servicer** | **Servicing Fee-Percentage** | **Servicing Fee-Flat Dollar** | **Servicing Advance Methodology** | **Originator** | **Loan Group** | **Amortization Type** | **Lien Position** | **HELOC Indicator** | **Loan Purpose** | **Cash Out Amount** | **Total Origination and Discount Point in Dollars** | **Covered/High Cost Loan Indicator** | **Relocation Loan Indicator** | **Broker Indicator** | **Channel** | **Escrow Indicator** | **Senior Loan Amount(s)** | **Loan Type of Most Senior Lien** | **Hybrid Period of Most Senior Lien in Months** | **Neg Am Limit of Most Senior Lien** | **Junior Mortgage Balance** | **Origination Date of Most Senior Lien** | **Origination Date** | **Original Loan Amount** | **Original Interest Rate** | **Original Amortization Term** | **Original Term to Maturity** | **First Payment Date of Loan** | **Interest Type Indicator** | **Original Interest Only Term** | **Buy Down Period** | **HELOC Draw Period** | **Current Loan Amount** | **Current Interest Rate** | **Current Payment Amount Due** | **Current Payment Status** | **Index Type** | **ARM Look Back Days** | **Gross Margin** | **ARM Round Flag** | **ARM Round Factor** | **Initial Fixed Rate Period** | **Initial Interest Rate Cap Change Up** | **Initial Interest Rate Cap Change Down** | **Subsequent Interest Rate Reset Period** | **Subsequent Interest Rate Change Down** | **Subsequent Interest Rate Cap Change Up** | **Lifetime Maximum Rate Ceiling** | **Lifetime Minimum Rate Floor** | **Negative Amortization Limit** | **Initial Negative Amortization Recast Period** | **Subsequent Negative Amortization Recast Period** | **Initial Fixed Payment Period** | **Subsequent Payment Reset Period** | **Initial Periodic Payment Cap** | **Subsequent Periodic Payment Cap** | **Initial Minimum Payment Reset Period** | **Subsequent Minimum Payment Reset Period** | **Option ARM Indicator** | **Options at Recast** | **Initial Minimum Payment** | **Current Minimum Payment** | **Prepayment Penalty Calculation Type** | **Prepayment Penalty Type** | **Prepayment Penalty Total Term** | **Prepayment Penalty Hard Term** | **Primary Borrower ID** | **Number of Mortgaged Properties** | **Total Number of Borrowers** | **Self-employment Flag** | **Current Other Monthly Payment** | **Length of Employment: Borrower** | **Length of Employment: Co-Borrower** | **Years in Home** | **FICO Model Used** | **Most Recent FICO Date** | **Primary Wage Earner Original FICO: Equifax** | **Primary Wage Earner Original FICO: Experian** | **Primary Wage Earner Original FICO: TransUnion** | **Secondary Wage Earner Original FICO: Equifax** | **Secondary Wage Earner Original FICO: Experian** | **Secondary Wage Earner Original FICO: TransUnion** | **Most Recent Primary Borrower FICO** | **Most Recent Co-Borrower FICO** | **Most Recent FICO Method** | **Vantage Score: Primary Borrower** | **Vantage Score Co-Borrower** | **Most Recent Vantage Score Method** | **Vantage Score Date** | **Credit Report: Longest Trade Line** | **Credit Report: Maximum Trade Line** | **Credit Report: Number of Trade Lines** | **Credit Line Usage Ratio** | **Most Recent 12-month Pay History** | **Months Bankruptcy** | **Months Foreclosure** | **Primary Borrower Wage Income** | **Co-Borrower Wage Income** | **Primary Borrower Other Income** | **Co-Borrower Other Income** | **All Borrower Wage Income** | **All Borrower Total Income** | **4506-T Indicator** | **Borrower Income Verification Level** | **Co-borrower Income Verification** | **Borrower Employment Verification** | **Co-borrower Employment Verification** | **Borrower Asset Verification** | **Co-borrower Asset Verification** | **Liquid/Cash Assets** | **Monthly Debt All Borrowers** | **Originator DTI** | **Fully Indexed Rate** | **Qualification Method** | **Percentage of Down Payment from Borrower Own Funds** | **City** | **State** | **Postal Code** | **Property Type** | **Occupancy** | **Sales Price** | **Original Appraised Property Value** | **Original Property Valuation Type** | **Original Property valuation date** | **Original Automated Valuation Model AVM Model Name** | **Original AVM Confidence Score** | **Most Recent Property Value** | **Most Recent Property Valuation Type** | **Most Recent Property Valuation Date** | **Most Recent AVM Model Name** | **Most Recent AVM Confidence Score** | **Original CLTV** | **Original LTV** | **Original Pledged Assets** | **Mortgage Insurance Company Name** | **Mortgage Insurance Percent** | **MI: Lender or Borrower paid?** | **Pool Insurance Co. Name** | **Pool Insurance Stop Loss %** | **MI Certificate Number** | **Updated DTI(Front-end)** | **Updated DTI(Back-end)** | **Modification Effective Payment Date** | **Total Capitalized Amount** | **Total Deferred Amount** | **Pre-Modification Interest Note Rate** | **Pre-Modification P&I Payment** | **Pre-Modification Initial Interest Rate Change Downward Cap** | **Pre-Modification Subsequent Interest Rate Cap** | **Pre-Modification Next Interest Rate Change Date** | **Pre-Modification I/O Term** | **Forgiven Principal Amount** | **Forgiven Interest Amount** | **Number of Modifications** | **Real Estate Interest** | **Community Ownership Structure** | **Year of Manufacture** | **HUD Code Compliance Indicator (Y/N)** | **Gross Manufacturer's Invoice Price** | **LTI (Loan-to-Invoice) Gross** | **Net Manufacturer's Invoice Price** | **LTI (Net)** | **Manufacturer Name** | **Model Name** | **Down Payment Source** | **Community/Related Party Lender (Y/N)** | **Defined Underwriting Criteria (Y/N)** | **Chattel Indicator** | **Primary Borrower Representative FICO** | **Secondary Borrower Representative FICO** | **Qualifying Loan FICO** | **Originator DTI-Back End** | **Originator DTI-Front End** | **Property Address** | **Maturity Date** | **Borrower First Name** | **Borrower Last Name** | **Co Borrower First Name** | **Co Borrower Last Name** | **Flood Certificate Number** | **FEMA Flood Zone** | **Appraisal Type** | **Appraisal Date** | **TILA Status** | **Application Date** | **Points and Fees** | **Rate Lock Date** | **Loan APR** | **B1 Employment Indicator** | **B2 Employment Indicator** | **Borrower Citizenship** | **CoBorrower Citizenship** | **Residual Income** | **Borrower Years in Field** | **Co-Borrower Years in Field** | **PITIA On Financed Properties** | **PITIA On Subject Property** | **Non Occupant** | **Months Reserves** | **Borrower is FTHB** | **Co Borrower is FTHB** | **Ownership Type** | **Deed In Lieu Flag** | **Short Sale in Last 4 Years** | **Loan Mod** | **Collections > 5K** | **4506-T** | **FTHB Previous Rent** | **FTHB Min 3 Years Employment History** | **CU Score** | **R&W Eligible** |
| XXXX | XXXX |  |  |  |  | XXXX | UNK | 1 | 1 | 0 | 7 |  | 2795.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | XXXX | 4 | 1 | 0 | XXXX | XXXX |  |  | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 142 | 34500 | 4 | 0.16 |  |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 4 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | 1 | 2 | XXXX | XXXX | 3 | XXXX |  |  | XXXX | 9 | XXXX |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | Zone AE | 3 | XXXX | Safe Harbor QM (APOR) | XXXX | 2795 | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  | XXXX | XXXX | No | XXXX | No |  | Fee Simple | No | No | No |  | 1 |  | No | 3.5 | Not Eligible |
| XXXX | XXXX |  |  |  |  | XXXX | UNK | 1 | 1 | 0 | 7 |  | 1695.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | XXXX | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 284 | 21500 | 14 | 0.25 |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | XXXX | XXXX | 3 | XXXX |  |  | XXXX | 9 | XXXX |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Zone AE | 3 | XXXX | Safe Harbor QM (APOR) | XXXX | 1695 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | No | No | Fee Simple | No | No | No |  | 1 |  | No | 1 | Not Eligible |
| XXXX | XXXX |  |  |  |  | XXXX | UNK | 1 | 1 | 0 | 7 |  | 6454.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | XXXX | 1 | 1 | 1 | XXXX | XXXX |  |  | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 133 | 28860 | 3 | 0.01 |  |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 4 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | XXXX | XXXX | 3 | XXXX |  |  | XXXX | 7 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | Zone AH | 3 | XXXX | Safe Harbor QM (APOR) | XXXX | 6454 | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  | XXXX | XXXX | No | XXXX | No |  | Fee Simple | No | No | No |  | 1 |  | No | 2.3 | Not Eligible |
| XXXX | XXXX |  |  |  |  | XXXX | UNK | 1 | 1 | 0 | 7 |  | 26565.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | XXXX | 4 | 2 | 1 | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 431 | 34100 | 8 | 0.15 |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | 1 | 2 | XXXX | XXXX | 3 | XXXX |  |  | XXXX | 9 | XXXX |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Zone X | 3 | XXXX | Safe Harbor QM (APOR) | XXXX | 26565 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | No | No | Fee Simple | No | No | No |  | 1 |  | No | 2.6 | Not Eligible |
| XXXX | XXXX |  |  |  |  | XXXX | UNK | 1 | 1 | 0 | 7 |  | 5620.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | XXXX | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 178 | 31103 | 19 | 0.25 |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 4 | 4 | 3 | 3 | 4 | 1 | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | XXXX | XXXX | 3 | XXXX |  |  | XXXX | 9 | XXXX |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Zone X | 3 | XXXX | Safe Harbor QM (APOR) | XXXX | 5620 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | No | No | Fee Simple | No | No | No |  | 1 |  | No | 1.8 | Eligible |

---

## Exhibit 99.1

[GS Mortgage-Backed Securities Trust 2023-PJ2 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.1 - Schedule 6**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **GS Loan ID** | **Seller Loan ID** | **Field ID** | **Original Field Value** | **Audit Value** | **Data Compare** |
| XXXX | XXXXX | Property_State | XXX | XXX | FALSE |

---

## Exhibit 99.1

[GS Mortgage-Backed Securities Trust 2023-PJ2 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.1 - Schedule 7**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Gs Loan Number** | **Loan Number** | **Investor loan Number** | **Client Loan Number** | **DBRS Initial Credit Grade** | **S&P Initial Credit Grade** | **Fitch Initial Credit Grade** | **Moodys Initial Credit Grade** | **KBRA Initial Credit Grade** | **DBRS Initial Compliance Grade** | **S&P Initial Compliance Grade** | **Fitch Initial Compliance Grade** | **Moodys Initial Compliance Grade** | **KBRA Initial Compliance Grade** | **DBRS Initial Valuation Grade** | **S&P Initial Valuation Grade** | **Fitch Initial Valuation Grade** | **Moodys Initial Valuation Grade** | **KBRA Initial Valuation Grade** | **DBRS Initial Overall Grade** | **S&P Initial Overall Grade** | **Fitch Initial Overall Grade** | **Moodys Initial Overall Grade** | **KBRA Initial Overall Grade** | **DBRS Final Credit Grade** | **S&P Final Credit Grade** | **Fitch Final Credit Grade** | **Moodys Final Credit Grade** | **KBRA Final Credit Grade** | **DBRS Final Compliance Grade** | **S&P Final Compliance Grade** | **Fitch Final Compliance Grade** | **Moodys Final Compliance Grade** | **KBRA Final Compliance Grade** | **DBRS Final Valuation Grade** | **S&P Final Valuation Grade** | **Fitch Final Valuation Grade** | **Moodys Final Valuation Grade** | **KBRA Final Valuation Grade** | **DBRS Final Overall Grade** | **S&P Final Overall Grade** | **Fitch Final Overall Grade** | **Moodys Final Overall Grade** | **KBRA Final Overall Grade** |
| XXXX | XXXXX |  | XXXXX | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXXX |  | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXXX |  | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXXX |  | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXXX |  | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.2

[GS Mortgage-Backed Securities Trust 2023-PJ2 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.2 – Schedule 2**

![](image_001.jpg)

**UNITED STATES SECURITIES AND EXCHANGE COMMISSION**

Washington, D.C. 20549

**FORM ABS DUE DILIGENCE-15E**

**CERTIFICATION OF PROVIDER OF THIRD PARTY DUE DILIGENCE SERVICES FOR ASSET-BACKED SECURITIES**

---

| | |
|:---|:---|
| **Item 1: Identity of the person providing third party due diligence services** | **Item 1: Identity of the person providing third party due diligence services** |
| Legal Name: | AMC Diligence, LLC |

---

Business Name (If Different):  

Principal Business Address: <u>150 East 52<sup>nd</sup> Street, Suite 4002, New York, NY 10022</u> <br>

---

| | |
|:---|:---|
| **Item 2: Identity of the person who paid the person to provide due diligence services** | **Item 2: Identity of the person who paid the person to provide due diligence services** |
| Legal Name: | Goldman Sachs Mortgage Company |

---

Business Name (If Different):  

Principal Business Address: <u>200 West Street, New York, NY 10282</u>

**Item 3: Credit rating criteria** 

---

| | |
|:---|:---|
| **Identity of NRSRO** | **Title and Date of Criteria** |
| Fitch Ratings, Inc. | U.S. RMBS Ratings Criteria, April 18, 2022 |
| Moody's Investors Service, Inc. | Moody's Approach to Rating U.S. Prime RMBS, March 9, 2021 |

---

**Item 4: Description of the due diligence performed**

See attached.

**Item 5: Summary of findings and conclusions of review**

See attached.

1 \| Page<br>

![](image_001.jpg)

**CERTIFICATION**

The undersigned has executed this Form ABS Due Diligence 15E on behalf of, and on the authority of, the person identified in Item 1 of the Form. The undersigned, on behalf of the person, represents that the person identified in Item 1 of the Form conducted a thorough review in performing the due diligence described in Item 4 attached to this Form and that the information and statements contained in this Form, including Items 4 and 5 attached to this Form, which are part of this Form, are accurate in all significant respects on and as of the date hereof.

Name of Person Identified in Item 1: <u>AMC Diligence, LLC</u> <br>

---

| | |
|:---|:---|
| By: | Jayson Colotti |
| Signature: | /s/ Jayson Colotti |
| Date: | 02/09/2023 |

---

2 \| Page<br>

![](image_001.jpg)

**Item 4: Description of the due diligence performed**

**(1) Type of assets that were reviewed.**

AMC Diligence, LLC ("AMC") performed certain due diligence services described below on conforming and non-conforming residential mortgages acquired from various parties. The review was conducted on behalf of Goldman Sachs Mortgage Company ("Client") during multiple transactions from March 2022 to January 2023 via files imaged and provided by Goldman Sachs Mortgage Company (the "Review").

The loans in the Review carried origination dates between February 2022 and October 2022.

**(2) Sample size of the assets reviewed.**

The Review was conducted on three hundred sixty-five (365) mortgage loans with an aggregate original principal balance of approximately $411.845 million. The Review did not cover 100% of the loans in the securitization population; however, the Review did cover the portion of the securitization population reviewed by AMC.

**(3) Determination of the sample size and computation.**

AMC is not aware of the overall sample size for the securitization as the Review only covered the portion of the loans in the securitization reviewed by AMC.

**(4) Quality or integrity of information or data about the assets: review and methodology.**

AMC compared data fields on the bid tape provided by Client to the data found in the actual file as captured by AMC. This comparison, when data was available, included the following data fields:

---

| | | | | |
|:---|:---|:---|:---|:---|
| # of Units | Borrower SSN | Lien Position | Original LTV | Representative FICO |
| Amortization Term | City | Mortgage Type | Originator Loan Designation | State |
| Amortization Type | Decision System | Note Date | PITIA Reserves Months | Street |
| Balloon Flag | Escrow Account | Occupancy | Product Description | Zip |
| Borrower First Name | Has FTHB | Original CLTV | Property Type |  |
| Borrower FTHB | Investor: Qualifying Total Debt Ratio | Original Interest Rate | Purpose |  |
| Borrower Last Name | Lender | Original Loan Amount | Refi Purpose |  |

---

Additionally, AMC verified (i) listed borrowers signed documents requiring signature, (ii) borrowers signing documents were eighteen (18) years or older at the time of the mortgage loan origination, (iii) that all riders required by the terms of the mortgage and mortgage note were attached to the respective document, (iv) that social security numbers across documents were consistent, and (v) debt-to-income ratio ("DTI(s)"), and/or loan-to-value ratios ("LTV(s)") used in the assessment of conformity guidelines.

**(5) Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.**

AMC reviewed asset origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to AMC and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**Credit Application:** For the Credit Application, AMC verified that the application: (i) was signed by all listed borrowers, (ii) was substantially filled out, (iii) contained all known borrower-owned properties on the Real Estate Owned section 2, and (iv) included the borrower's employment history

**Credit Report:** AMC's review included confirming that a credit report, that met guideline requirements, was present for each borrower and that such borrower's credit profile adhered to guidelines. In order to make this determination, AMC: (i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as appropriate, and (iv) gathered date required for the ASF tape submission including (a) the most recent FICO (scores from

3 \| Page<br>

![](image_001.jpg)

Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

**Employment and Income:** AMC determined whether applicable supporting employment and income documentation required by the guidelines, and as applicable Appendix Q or ATR, was present in the mortgage loan file and where possible, wasn't fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with guidelines and may have included items such as: (i) verbal or written verification of employment, (ii) pay stubs, (iii) W-2 forms, (iv) tax returns, (v) financial statements, and (vi) IRS tax transcripts.

**Asset Review:** AMC assessed whether the asset documentation required by the guidelines, and as applicable, Appendix Q or ATR, was present in the mortgage loan file. Utilizing this documentation, AMC completed a review of the reserve calculation and any large deposits. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may have included: (i) verification-of-deposit ("VOD(s)"), (ii) depository account statements, (iii) stock or security account statements, (iv) gift funds, (v) escrow or earnest money deposits, and (vi) settlement statements or other evidence of conveyance and transfer of funds (if a sale of assets was involved).

**Hazard/Flood Insurance/Taxes:** A review of the insurance present on the mortgage loan was also performed by AMC. During the course of this review, AMC (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgage clause listed the lender's name and "its successors and assigns,", (iii) confirmed that the premium amount on both the hazard and flood insurance matched what was used in the debt-to-income ("DTI") calculations, (iv) reviewed the tax certificate to verify and compare monthly escrows used to calculate DTI matched and that taxes were current, (v) confirmed that the flood certification was for the correct borrower, property, lender and mortgage loan number and was a "Life of Loan" certification, and (vi) completed other property specific items including (a) for condominium properties, confirming that the blanket policy met the minimum amount of coverage in the guidelines and (b) for properties in a flood zone per the flood certification, confirming that flood insurance met guideline requirements and met the minimum required amount of coverage in the guidelines.

**DU/LP Review:** When a DU/LP form is provided, AMC (i) confirmed and captured recommendations and (ii) verified that (a) red flags listed on the DU/LP were addressed by the underwriter, (b) listed credit conditions were cleared by the underwriter, and (c) the final DU/LP in the file contained data that matched the data gathered from documents in the file. All mortgage loans are manually underwritten with documentation requirements determined by Client guidelines and the AUS findings.

**Occupancy Review:** AMC confirmed the property occupancy is consistent with the mortgage loan approval and borrowers' application disclosure based solely on information contained in the mortgage loan file and any fraud report obtained in connection with the mortgage loan.

**Guideline Review:** During the course of the review, AMC confirmed the mortgage loan was originated in accordance with required guidelines by reviewing conformity of mortgage loan, transaction type, and borrower characteristics to stated guidelines. Mortgage characteristics examined included (i) DTI of the borrower, (ii) the LTV/TLTV/HTLTV, (iii) the credit score for each borrower, (iv) asset reserves of the borrower, (v) property type, (vi) property usage, and (vii) other property specific items including (a) for condominium or cooperative properties, assessing whether the condominium or cooperative project adheres to required guidelines.

**Fraud Review:** AMC reviewed fraud report results in each mortgage loan file, to the extent present, in conjunction with source documents found in the mortgage loan file to assess the likelihood of any misrepresentations associated with the origination of the mortgage loan. If the mortgage loan file did not contain a fraud report and the counterparty did not produce one, AMC conditioned the mortgage loan for the missing fraud report product.

If a report was present, AMC reviewed the report for (i) any name variations for the borrowers, (ii) any social security number variations for the borrowers, (iii) any potential occupancy issues based on the borrower's address history, (iv) any noted employment issues, and (v) any additional consumers associated with the borrower's profile. If any findings were noted, AMC confirmed that such findings and/or variations were addressed by the originator in the origination of the asset or that such red flag issues were fully addressed via mortgage loan documentation provided.

**Title Review:** AMC's review included a verification of whether the appropriate vestee was on the title documentation (if a purchase, the seller; if a refinance, the borrower) and that the title commitment addressed issues such as assessments; covenants, conditions and restrictions; access problems; vicinity of property to military airports; prior leases; court

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orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; environmental liens, and oil/gas leases.

**Additional Review of Mortgage Loan File:** AMC also reviewed the closing documents to ensure that the mortgage loan file information is complete, accurate, and contains consistent documentation. Included in the portion of the review are items such as reviewing for (i) evidence of primary mortgage insurance, (ii) if the property is located in an area(s) listed as a FEMA disaster zone post origination, (iii) the presence of loan modification documents, and (iv) general conformity to Fannie Mae or Freddie Mac approved formats at the time of origination.

If standard GSE forms were not used for the mortgage loan, AMC sought to confirm the existence of: (i) a "due on sale" clause, (ii) mortgagor's requirement to maintain adequate insurance at the mortgagor's own expense, and (iii) the holder's right to foreclose and to confirm that any homestead exemption has been waived as required by applicable law within the forms utilized.

**(6) Value of collateral securing the assets: review and methodology.**

AMC's review included a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. AMC's review included verifying the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

With regard to the use of comparable properties, AMC's review (i) captured the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and ensured that such comparable properties are within standard appraisal guidelines; (ii) confirmed the property value and square footage of the subject property was bracketed by comparable properties, (iii) verified that comparable properties used are similar in size, style, and location to the subject, and (iv) checked for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

Other aspects of AMC's review included (i) verifying that the address matched the mortgage note, (ii) verifying that the appraisal and the policies and procedures with regard to appraisal, including the appropriate level of review, when originating the mortgage loan, were followed, (iii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying client of same (iv) confirming the appraisal report does not include any apparent environmental problems, (v) confirming the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered), (vi) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (vii) confirming that the value product that was used as part of the origination decision was directly accessible to AMC or if it was not directly accessible that another valuation product that was directly accessible to AMC was ordered in accordance with the Client's specific valuation waterfall process.

If more than one valuation was provided, AMC confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, AMC created an exception and worked with the client on the next steps which may include the ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in AMC's review resulted in a variance of more than 10% then the client was notified of such variance and a second independent valuation product was ordered.

AMC also considered processes that included Fannie Mae's Collateral Underwriter (CU) or Freddie Mac Loan Collateral Advisor (LCA) on one-unit single-family homes and condos for GSE eligible loans. No additional property value due diligence was completed in cases where CU/LCA indicated that appraisal risk was consistent with the respective GSE's day one RW&E relief. Freddie Mac's Home Value Explorer (HVE) was also considered an acceptable secondary valuation product for GSE-related transactions. If the CU/LCA risk score was ineligible for GSE RW&E relief, then AMC compared a third valuation product (such as a field review) to the original appraisal.

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**(7) Compliance of the originator of the assets with federal, state and local laws and regulations: review and methodology.**

Please be advised that AMC did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by AMC are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which AMC is relying in reaching such findings.

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, AMC implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Association ("SFA") (formerly, the Structured Finance Industry Group, "SFIG") (the "SFA Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. AMC worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While AMC continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. AMC has worked closely with the NRSROs and the Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per AMC's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that AMC has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by AMC will result in the potential level of risk indicated by an Event Level or NRSRO grade.

Please be further advised that AMC does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by AMC do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to AMC. Information contained in any AMC report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged AMC to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by AMC are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. AMC does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by AMC.

AMC reviewed each residential mortgage loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the mortgage loan complies with:

**(I) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23, §1026.15):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) failure to provide the right of rescission notice;

ii) failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

iii) errors in the right of rescission notice;

iv) failure to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) failure to provide the three (3) business day rescission period;

vi) any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures, or those related to prepayment penalties on covered transactions; and

vii) with respect to applicable exception remediation measures, confirm that a letter of explanation, a refund if applicable, new corrected material disclosures and a new notice of right to cancel was provided.

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&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review and comparison of the initial and final TIL disclosures, and any
re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s).

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Home Equity Plans Disclosures (§§1026.6, 40) *as applicable*</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) failure to provide the applicable home equity initial and account opening
disclosures

ii) failure to provide the applicable home equity initial and account opening disclosures in a timely manner

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Tolerances (§§1026.18, 22 23, and 38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) inaccurate Annual Percentage Rate (APR) outside of applicable tolerance
by comparing disclosed APR to re-calculated APR; and

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge.

iii) inaccurate Total of Payments outside of applicable tolerance by comparing disclosed Total of Payments to re-calculated Total of Payments.

&nbsp;&nbsp;&nbsp;&nbsp;e) <u>High-cost Mortgage (§§1026.31, 32 and 34):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty threshold test; and

iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;f) <u>Higher-priced Mortgage Loan (§1026.35):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) APR threshold test; and

ii) compliance with the escrow account and appraisal requirements as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;g) <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review relevant documentation to determine if compensation to a Loan Originator
was based on a term of the transaction;

ii) review relevant document to determine if there was dual compensation; and

iii) review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note: Where available, AMC reviewed the relevant documents in the mortgage
loan file and, as necessary, attempted to obtain the mortgage loan originator compensation agreement and/or governing policies and procedures
of the mortgage loan originator. In the absence of the mortgage loan originator compensation agreement and/or governing policies and procedures,
AMC's review was limited to formal general statements of entity compliance provided by the mortgage loan originator, if any. These
statements, for example, were in the form of a letter signed by the seller correspondent/mortgage loan originator or representations in
the mortgage loan purchase agreement between the Client and seller correspondent;

&nbsp;&nbsp;&nbsp;&nbsp;h) <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor obtained proof of homeownership counseling in
connection with a mortgage loan to a first time homebuyer that contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;i) <u>Mandatory Arbitration Clauses (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the terms of the mortgage loan require arbitration or any
other non-judicial procedure to resolve any controversy or settle any claims arising out of the transaction.

&nbsp;&nbsp;&nbsp;&nbsp;j) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor financed, directly or indirectly, any premiums
or fees for credit insurance.

&nbsp;&nbsp;&nbsp;&nbsp;k) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review for presence of mortgage loan originator organization and individual
mortgage loan originator name and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract, security instrument,
Loan Estimate and Closing Disclosure; and

ii) verify the data against the NMLSR database, as available.

**(II) Federal Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Good Faith Estimate (GFE) (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of the current GFE form in effect at the time of origination;

ii) verify GFE was provided to the borrower(s) within three (3) business days of application;

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iii) verify all sections of the GFE were accurately completed and that information was reflected in the appropriate locations;

iv) determine whether a valid and properly documented changed circumstance accompanies any changes to mortgage loan terms and/or fees on any revised GFEs over the applicable tolerance(s); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm the presence of a settlement service provider list, as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm current applicable HUD form was provided;

ii) determination that the mortgage loan file contains the final HUD;

iii) escrow deposit on the final HUD matches the initial escrow statement amount; and

iv) verify all sections of the final HUD were accurately completed and that information was reflected in the appropriate locations.

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review changes disclosed on the last GFE provided to the borrower(s) to
determine that such changes were within the allowed tolerances;

ii) confirm mortgage loan terms and fees disclosed on the third page of the final HUD accurately reflect how such items were disclosed on the referenced GFE, page 2 of the final HUD and mortgage loan documents; and

iii) review any documented cure of a tolerance violation to determine that the proper reimbursement was made and a revised HUD was provided at or within 30 days of settlement.

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of the Servicing Disclosure Statement form in the
mortgage loan file;

ii) verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business days of application;

iii) confirm the presence of the Special Information Booklet in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower;

iv) confirm the Special Information Booklet was provided within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm the presence of the Affiliated Business Arrangement Disclosure
in the mortgage loan file in the event the lender has affiliated business arrangements;

vi) confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) business days of application;

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and

viii) confirm the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and proper timing;

ix) confirm that the creditor provided the borrower a list of homeownership counselling organizations within three (3) business days of application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x) confirm that the list of homeownership counselling organizations was obtained
no earlier than 30 days prior to when the list was provided to the mortgage loan applicant.

**(III) Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability under the SFA Compliance Review Scope were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm that each revised LE is accompanied by valid written documentation
explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within
3 business days of issuance;

vi) capture whether a settlement service provider list ("SSPL") was provided (in instances when a consumer is given an opportunity to shop for services). Failure to provide SSPL is not cited separately under SFA compliance review scope, however, absence of SSPL from loan file is treated as not provided and impacts fee tolerance categories as prescribed by regulation.

vii) confirm borrower received LE not later than four (4) business days prior to consummation; and

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viii) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability under the SFA Compliance Review Scope were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) identify tolerance violations based on the charges disclosed on the initial
and interim LE's, initial CD, and reflected on the final CD;

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Association ("SFA") has a working group that consists of industry participants including third party review providers and law firms who agreed to a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFA Compliance Review Scope.)

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Your Home Loan Toolkit (§1026.19):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of Your Home Loan Toolkit in the mortgage loan file
or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower; and

ii) confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application.

**(IV) Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) The general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;b) Refinancing of non-standard mortgages (12 C.F.R. 1026.43(d));

&nbsp;&nbsp;&nbsp;&nbsp;c) Qualified Mortgages (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages
as separately defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans
Affairs (38 C.F.R. Part 36 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;d) Balloon-payment qualified mortgages made by certain creditors (12 C.F.R.
1026.43(f)).

AMC reviews applicable mortgage loans for compliance with the ATR and QM rule requirements based upon each mortgage loan's originator designation (Safe Harbor QM, Higher-priced QM, Temporary SHQM, Temporary HPQM, Non-QM, Exempt from ATR). AMC determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, AMC notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, AMC notes if an originator mortgage loan designation was not provided.

 

*<u>Qualified Mortgage</u>*

With respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, AMC reviews the mortgage loan to determine whether, based on available information in the mortgage loan file: (i) the mortgage loan contains risky mortgage loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) depending on the application date, defined in accordance with 1026.2(a)(3)(ii) and the loan designation provided on the subject loan, either:

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| 1.) | for loans with an application date, defined in accordance with § 1026.2(a)(3)(ii), prior to 3/1/2021, at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source, |

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|:---|:---|
| 2.) | for loans with an application date, defined in accordance with § 1026.2(a)(3)(ii), on or after 3/1/2021, but before 10/1/2022, submitted with a loan designation of Safe Harbor QM, Higher Priced QM, Safe Harbor QM (43-Q), or Higher Priced QM (43-Q), whether at the time of consummation, the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source, or |

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|:---|:---|
| 3.) | for loans with an application date, defined in accordance with § 1026.2(a)(3)(ii), taken on or after 3/1/2021, submitted with a loan designation of Safe Harbor QM (APOR), or Higher Priced QM (APOR), "Revised QM", whether the APR exceeds the average prime offer rate by 2.25 or more percentage points, (additional thresholds applicable for lower loan balances, subordinate lien covered transactions and certain manufactured homes loan amounts), and whether the loan does not meet the credit guidelines without a documented exception and compensating factors. |

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For the loans determined to be Safe Harbor QM (APOR), in the event the lender provided a Verification Safe Harbor, ("VSH") indicator of "Yes" on the loans, that would be reflected as such in the reports. In the event the lender provided a VSH indicator of "No" on the loans that would be reflected in the reports. In the event the lender did not provide a VSH indicator on the loans, the loans would be identified as "Not Stated" in the reports.

\* Note, for loans in which the lender provided the VSH indicator, AMC captured it, but did not verify the VSH indicator.

Notwithstanding the above, for loans with the variance evaluation of VSH performed by AMC on QM (APOR) loans, the Lender provided a VSH Indicator of "Yes". The VSH indicator was provided within the loan images, on the data tape, deal notes, or as part of the loan program/guidelines being originated to. The loan guidelines utilized one of the specified GSE June 2020 guidelines to meet VSH. In the event the lender identified the loan to have VSH status, then AMC reviewed to identify documentation variances that would cause one to question the VSH attestation from the lender. If variances were identified, then the loan would not be identified by AMC to meet the VSH documentation requirements under either the Fannie Mae guidelines or under the Freddie Mac guidelines. The results of the variance analysis is reflected in the reports.

This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

If a mortgage loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, AMC reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, if the mortgage loan satisfied (i), (ii) and (iii) in the preceding paragraph. In addition, AMC reviews the Automated Underwriting System output within the file to confirm agency eligibility.

For each QM designated mortgage loan that satisfied the applicable requirements enumerated above, AMC then determines whether the mortgage loan is a Safe Harbor QM or Higher Priced QM by comparing the mortgage loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage. The Review also includes determining, as applicable, whether a mortgage loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

For each QM designated mortgage loan that does not satisfy the applicable requirements enumerated above, AMC then determines whether the mortgage loan complies with the ATR rule consideration and verification requirements and provides a due diligence designation of Non-QM compliant or non-compliant.

 

*<u>General Ability to Repay</u>*

AMC reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

 

AMC reviews mortgage loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe

10 \| Page<br>

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Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). AMC does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. AMC's review is based on information contained in the mortgage loan file at the time it is provided to AMC to review, and only reflects information as of that point in time.

**(V) The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) timing and content of the right to receive copy of appraisal disclosure;

ii) charging of a fee for a copy of the appraisal or other written valuation;

iii) timing of creditor providing a copy of each appraisal or other written valuation; and

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that (a) the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (b) that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(VI) Fannie Mae points and fees limitations and HOEPA restrictions as addressed in Fannie Mae Announcement 04-06, as amended by Lender Letters LL-2013-05 and LL-2013-06 and Selling Guide Announcement SEL-2013-06;** 

**(VII) The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;**

**(VIII) The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect to "high-cost" mortgage loans, "covered" mortgage loans, "higher-priced" mortgage loans, "home" mortgage loans or any other similarly designated mortgage loan as defined under such authorities, or subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time;**

**(IX) Federal and state specific late charge and prepayment penalty provisions.**

**(X) Recording Review**

AMC noted the presence of recorded documents, when available. However, the majority of mortgage loans in the review population were new production and have only been closed for days or weeks at the time AMC reviewed the mortgage loans and thus have not yet been recorded. AMC verified that documents in the mortgage loan file (most typically closing instructions) included lender instructions for recording, and as applicable, the date the documents were sent for recording, and/or the date that the documents will be recorded.

As part of the portion of the Review described in this section, AMC will analyze and capture data from the source documents identified in the Document Review below, as applicable.

**(XI) FIRREA Review**

AMC confirmed that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, AMC reviewed the appraisal for conformity to industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate.

In addition, AMC accessed the ASC database to verify that the appraiser, and if applicable the appraiser's supervisor, were licensed and in good standing at the time the appraisal was completed.

**(XII) Document Review**

AMC reviewed each mortgage loan file and verified if the following documents, if applicable, were included in the file and if the data on these documents was consistent (where applicable):

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;▪ Underwriting summary / loan approval (1008);

&nbsp;&nbsp;&nbsp;&nbsp;▪ Credit report;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Income and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Asset documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Sales contract;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Hazard and/or flood insurance policies;

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&nbsp;&nbsp;&nbsp;&nbsp;▪ Copy of note for any junior liens;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Title/Preliminary Title;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final 1003;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Changed circumstance documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Right of Rescission Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage/Deed of Trust;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Tangible Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Subordination Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;▪ FACTA disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Notice of Special Flood Hazards;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial and final GFE's;

&nbsp;&nbsp;&nbsp;&nbsp;▪ HUD from sale of previous residence;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial TIL;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final TIL;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Closing Disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;▪ Certain other disclosures related to the enumerated tests set forth herein.

**(8) Other: review and methodology.**

The final review results reflected in the Overall Review Results Summary herein may include additional exceptions identified after AMC's initial review was completed where loan level issues were identified by external parties as a result of separate, distinct quality control evaluation of the loan files. In such cases, any additional exceptions cited by any such quality control evaluation would either be reflected (i) as an open exception or (ii) remediated if required documentation and/or curative actions were provided to AMC. The exception totals reflected herein, and corresponding Exception Rating, include exceptions that were so subsequently identified, if any. Please note that only a limited number of loans, if any, reflected in the Review Results Summary were subject to such external quality control evaluations.

**(9) Disclaimer.**

Except as expressly enumerated above, please be advised that SitusAMC has not performed any review to determine whether the mortgage loans covered in this Report complied with federal, state or local laws, constitutional provisions, regulations, ordinances or any other laws or guidance, including, without limitation, licensing and general usury laws ("Applicable Law"). Further, there can be no assurances that in performing the review and preparing this Report that SitusAMC has uncovered all relevant factors and potential issues relating to the origination of the mortgage loans, their compliance with Applicable Law, or the original appraisals relating to the mortgaged properties, or that SitusAMC has uncovered all relevant factors that could affect the future performance of the mortgage loans. Please note that the results set forth in this Report are dependent upon receipt of complete and accurate data regarding the mortgage loans from mortgage loan originators, sponsors, issuers, underwriters, and other third parties upon which SitusAMC is relying in reaching such results. Except as expressly stated herein, SitusAMC did not verify the data relied upon in performing its review and producing this Report. In addition, the findings and conclusions set forth in this Report are provided on an "as is" basis and are based on available information and Applicable Law as of the date of this Report, and SitusAMC does not undertake any obligation to update or provide any revisions to this Report to reflect events, circumstances, changes in Applicable Law, or changes in expectations after the date this Report was issued. SitusAMC also hereby disclaims any representation or warranty as to accuracy or completeness of the Report, the inclusion or omission of any facts or information, or as to its suitability, sufficiency or appropriateness for the purposes of the transaction parties or investors or the use of the Report in preparation of any other document in connection with the subject transaction.).

Please be further advised that SitusAMC does not employ personnel who are licensed to practice law in the various jurisdictions covered in this Report, and the results set forth in this Report do not constitute legal advice or legal opinions whatsoever. The findings are recommendations or conclusions based on information provided to SitusAMC, and are not statements of fact or legal conclusions. Information contained in the Report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the Report based on certain factors, including the facts and circumstances of an individual mortgage loan. The authorities administering the Applicable Law that was part of the review have broad discretionary powers which may permit such authorities, among other things, to withdraw exemptions accorded by statute or regulation, to impose additional requirements or to reach a

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conclusion that is not consistent with the results set forth in the Report. All decisions as to whether to issue, purchase, hold, sell or otherwise transact in securities backed by the mortgage loans reviewed in this Report, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such securities, shall be made solely by the parties to or investors in the transaction. The results set forth in this Report do not constitute tax or investment advice. The scoring models in this Report are designed to identify potential risk in the securities backed by the mortgage loans reviewed, and each party or investor assumes sole responsibility for determining the suitability of the information for its particular use. SitusAMC does not make any representation or warranty (express or implied) as to the value of any mortgage loan or mortgage loan's collateral that has been reviewed by SitusAMC.

**Item 5. Summary of findings and conclusions of review**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of Fitch Ratings, Inc. ("Fitch") and Moody's Investors Service, Inc. ("Moody's").

**OVERALL REVIEW RESULTS SUMMARY**

There were three hundred sixty-five (365) mortgage loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable NRSRO grading criteria two hundred fifty (250) (68.49%) had an Overall grade of "A", one hundred fifteen (115) (31.51%) had an Overall grade of "B", and no loans had exceptions that generated an Overall grade of "C".

---

| | | |
|:---|:---|:---|
| **NRSRO Grade (Fitch, Moody's)** | **# of Loans** | **Percentage of Loans** |
| A | 250 | 68.49% |
| B | 115 | 31.51% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

**CREDIT REVIEW RESULTS SUMMARY**

Three hundred twenty-six (326) (89.32%) mortgage loans of the total received an "A" Credit Review grade. The thirty-nine (39) (10.68%) "B" Credit Review grades were due to missing documentation and/or guideline adherence (see exception detail below). Exceptions were offset by strong compensating factors such as high disposable income, low LTV, and/or high liquid assets.

---

| | | |
|:---|:---|:---|
| **NRSRO Grade (Fitch, Moody's)** | **# of Loans** | **Percentage of Loans** |
| A | 326 | 89.32% |
| B | 39 | 10.68% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

**COMPLIANCE RESULTS SUMMARY**

Two hundred eighty-two (282) (77.26%) had a Compliance Review grade of "A", eighty-three (83) (22.74%) had a Compliance Review grade of "B". Loans with a Compliance Review grade of "B" may have multiple compliance exceptions (see exception detail below); however, none are lower than a grade of "B".

---

| | | |
|:---|:---|:---|
| **NRSRO Grade (Fitch, Moody's)** | **# of Loans** | **Percentage of Loans** |
| A | 282 | 77.26% |
| B | 83 | 22.74% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

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**PROPERTY/VALUATION REVIEW RESULTS SUMMARY**

Under the applicable NRSRO grading criteria three hundred sixty-three (363) (99.45%) loans had a Property/Valuation grade of "A". Two (2) (0.55%) of the loans generated a Property/Valuation grade of "B". One loan was due to the Appraisal was not in the name of the lender. The second loan was due to being originated with an appraisal waiver; however, none are lower than a grade of "B."

---

| | | |
|:---|:---|:---|
| **NRSRO Grade (Fitch, Moody's)** | **# of Loans** | **Percentage of Loans** |
| A | 363 | 99.45% |
| B | 2 | 0.55% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

**REVIEW EXCEPTION SUMMARY (365 Mortgage Loans)**

The summaries below detail the exceptions from the Compliance, Credit and Property Reviews that would have resulted in a "B", "C", or "D" grade for a given mortgage loan under the Fitch and Moody's grading criteria. Please note that exception grades of EV1, EV2, and EV3 may not result in a corresponding "B", "C", or "D" grade per relevant rating agency guidelines due to considerations including statute of limitations and specific characteristics of ratings by a given NRSRO. Also note that some mortgage loans may have multiple exceptions and, as a result, may have an exception or multiple exceptions in any one exception category.

---

| | | |
|:---|:---|:---|
| **Exception Type** | **Exception Category** | **Total** |
| Compliance B | ATR/QM Defect | 72 |
|  | TRID Defect | 40 |
|  | ECOA | 6 |
|  | ATR/QM | 4 |
|  | Missing Disclosure | 3 |
|  | Flood | 2 |
|  | Misc. State Level | 2 |
|  | RESPA | 2 |
|  | ***Total Compliance Grade (B) Exceptions:*** | ***131*** |
| **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **131** |
| Credit B | Title | 34 |
|  | Guideline | 5 |
|  | Borrower and Mortgage Eligibility | 1 |
|  | Hazard Insurance | 1 |
|  | ***Total Credit Grade (B) Exceptions:*** | ***41*** |
| **Total Credit Exceptions:** | **Total Credit Exceptions:** | **41** |
| Property B | Appraisal Reconciliation | 1 |
|  | Property - Appraisal | 1 |
|  | ***Total Property Grade (B) Exceptions:*** | ***2*** |
| **Total Property Exceptions:** | **Total Property Exceptions:** | **2** |
| **Grand Total:** | **Grand Total:** | **174** |

---

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the three hundred sixty-five (365) mortgage loans reviewed, no mortgage loans had any tape discrepancies across any data field.

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| # of Units | 0 | 13 | 0.00% | 365 |
| Amortization Term | 0 | 13 | 0.00% | 365 |
| Amortization Type | 0 | 13 | 0.00% | 365 |
| Balloon Flag | 0 | 364 | 0.00% | 365 |
| Borrower First Name | 0 | 365 | 0.00% | 365 |
| Borrower FTHB | 0 | 13 | 0.00% | 365 |
| Borrower Last Name | 0 | 365 | 0.00% | 365 |
| Borrower SSN | 0 | 364 | 0.00% | 365 |
| City | 0 | 365 | 0.00% | 365 |
| Decision System | 0 | 13 | 0.00% | 365 |
| Escrow Account | 0 | 2 | 0.00% | 365 |
| Has FTHB | 0 | 4 | 0.00% | 365 |
| Investor: Qualifying Total Debt Ratio | 0 | 365 | 0.00% | 365 |
| Lender | 0 | 364 | 0.00% | 365 |
| Lien Position | 0 | 13 | 0.00% | 365 |
| Mortgage Type | 0 | 10 | 0.00% | 365 |
| Note Date | 0 | 13 | 0.00% | 365 |
| Occupancy | 0 | 365 | 0.00% | 365 |
| Original CLTV | 0 | 365 | 0.00% | 365 |
| Original Interest Rate | 0 | 365 | 0.00% | 365 |
| Original Loan Amount | 0 | 365 | 0.00% | 365 |
| Original LTV | 0 | 365 | 0.00% | 365 |
| Originator Loan Designation | 0 | 364 | 0.00% | 365 |
| PITIA Reserves Months | 0 | 209 | 0.00% | 365 |
| Product Description | 0 | 364 | 0.00% | 365 |
| Property Type | 0 | 365 | 0.00% | 365 |
| Purpose | 0 | 365 | 0.00% | 365 |
| Refi Purpose | 0 | 22 | 0.00% | 365 |
| Representative FICO | 0 | 365 | 0.00% | 365 |
| State | 0 | 365 | 0.00% | 365 |
| Street | 0 | 365 | 0.00% | 365 |
| Zip | 0 | 365 | 0.00% | 365 |
| **Total** | **0** | **7633** | **0.00%** | **365** |

---

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**ADDITIONAL LOAN POPULATION SUMMARY\***

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Amortization Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Fixed | 365 | 100.00% | $411844521.00 | 100.00% |
| **Total** | **365** | **100.00%** | **$411844521.00** | **100.00%** |
| **Lien Position** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| 1 | 365 | 100.00% | $411844521.00 | 100.00% |
| **Total** | **365** | **100.00%** | **$411844521.00** | **100.00%** |
| **Loan Purpose** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Cash Out: Home Improvement/Renovation | 1 | 0.27% | $1065000.00 | 0.26% |
| Cash Out: Other/Multi-purpose/Unknown Purpose | 20 | 5.48% | $22507250.00 | 5.46% |
| First Time Home Purchase | 66 | 18.08% | $77114485.00 | 18.72% |
| Other-than-first-time Home Purchase | 267 | 73.15% | $295399298.00 | 71.73% |
| Rate/Term Refinance - Borrower Initiated | 11 | 3.01% | $15758488.00 | 3.83% |
| **Total** | **365** | **100.00%** | **$411844521.00** | **100.00%** |
| **Original Term** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| 241-360 Months | 365 | 100.00% | $411844521.00 | 100.00% |
| **Total** | **365** | **100.00%** | **$411844521.00** | **100.00%** |
| **Property Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Single Family Detached | 206 | 56.44% | $241520566.00 | 58.64% |
| Co-op | 1 | 0.27% | $2000000.00 | 0.49% |
| Condo, Low Rise | 8 | 2.19% | $8812240.00 | 2.14% |
| Condo, High Rise | 6 | 1.64% | $5658050.00 | 1.37% |
| PUD | 141 | 38.63% | $148907415.00 | 36.16% |
| 2 Family | 1 | 0.27% | $1406250.00 | 0.34% |
| 3 Family | 2 | 0.55% | $3540000.00 | 0.86% |
| **Total** | **365** | **100.00%** | **$411844521.00** | **100.00%** |
| **Occupancy** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Primary | 305 | 83.56% | $357858046.00 | 86.89% |
| Second Home | 60 | 16.44% | $53986475.00 | 13.11% |
| **Total** | **365** | **100.00%** | **$411844521.00** | **100.00%** |

---

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---

| | | | | |
|:---|:---|:---|:---|:---|
| **TPR Loan Designation** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Higher Priced QM (APOR) | 6 | 1.64% | $6565250.00 | 1.59% |
| Safe Harbor QM (Q-43) | 5 | 1.37% | $7643750.00 | 1.86% |
| Safe Harbor QM (APOR) | 354 | 96.99% | $397635521.00 | 96.55% |
| **Total** | **365** | **100.00%** | **$411844521.00** | **100.00%** |

---

\*Tables may not add to 100% due to rounding.

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## Exhibit 99.2

[GS Mortgage-Backed Securities Trust 2023-PJ2 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.2 - Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](logo_002.jpg) | ![](logo_002.jpg) | ![](logo_002.jpg) | ![](logo_002.jpg) | ![](logo_002.jpg) | ![](logo_002.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 2/8/2023 12:47:35 PM** | **Run Date - 2/8/2023 12:47:35 PM** | **Run Date - 2/8/2023 12:47:35 PM** | **Run Date - 2/8/2023 12:47:35 PM** | **Run Date - 2/8/2023 12:47:35 PM** | **Run Date - 2/8/2023 12:47:35 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | B | B | B | A |  | A | A | A | A | A |  | A | B | B | B | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | B | C | B | C | B |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | B | D | D | D |  | D | C | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | B |  | A | A | A | A | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | B | B | B | A |  | A | A | A | A | A |  | A | B | B | B | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | A | B | B | B | A |  | A | A | A | A | A |  | A | B | B | B | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | D | D | D | D | D |  | C | C | C | C | D |  | A | A | A | A | A |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | D | D | D | D | D |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | B | C | B | C | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | B | B | B | A |  | A | A | A | A | A |  | A | B | B | B | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
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## Exhibit 99.2

[GS Mortgage-Backed Securities Trust 2023-PJ2 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.2 - Schedule 3**

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| ![](logo_003.jpg) | ![](logo_003.jpg) | ![](logo_003.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 2/8/2023 12:47:38 PM** | **Run Date - 2/8/2023 12:47:38 PM** | **Run Date - 2/8/2023 12:47:38 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **DBRS Initial Exception Rating** | **DBRS Final Exception Rating** | **Fitch Initial Exception Rating** | **Fitch Final Exception Rating** | **Kroll Initial Exception Rating** | **Kroll Final Exception Rating** | **Moody's Initial Exception Rating** | **Moody's Final Exception Rating** | **S&P Initial Exception Rating** | **S&P Final Exception Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Overall<br> Initial Loan Grade** | **Overall<br> Final Loan Grade** | **Credit<br> Initial Loan Grade** | **Credit<br> Final Loan Grade** | **Compliance<br> Initial Loan Grade** | **Compliance<br> Final Loan Grade** | **Property<br> Initial Loan Grade** | **Property<br> Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - October XXXXX Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $XXXX on page 4; however the Hazard Insurance ($XXXX) Taxes ($XXXX) HOA ($XXXX) per year. Final CD reflects Estimated Taxes, Insurance & Assessments of $XXXX monthly, correct amount is $XXXX. Provide a post-close CD correcting the Escrow Account section on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-04-06): Client elects to waive. |  |  | 04/06/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | There is no dollar amount noted on the title policy. |  | The Preliminary Title Report in file did not disclose the amount of title insurance coverage. Please provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-04-05): Client elects to waive. |  |  | 04/05/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Second Home | Purchase |  | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $965.00 exceeds tolerance of $950.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee disclosed was last disclosed as $950.00 on LE but disclosed as $965.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-05-23): Sufficient Cure Provided At Closing |  | 05/23/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $850.00 exceeds tolerance of $800.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $850.00 exceeds tolerance of $800.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  | Reviewer Comment (2022-04-28): Sufficient Cure Provided At Closing |  | 04/28/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October XXXXX Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | Escrowed Property Costs over Year 1 is $XXXX on Final Closing Disclosure provided for Final CD XX/XX/XX |  |  |  | Reviewer Comment (2022-05-02): Documentation provided - exception cleared.<br>Seller Comment (2022-04-29): Amended the CD XX/XX/XX (included in the stacked legal docs package) to correct the escrows because the HOI was not properly calculated on the CD, nor was the HOA. We added a Lender credit to the borrower's escrow account iao $36.45 to avoid shortage. The calculations that they are advising as correct are also invalid. I have attached the Amended CD w/ LOX, Amended Payment Letter, & Amended IEADS. I have also attached my email to Accounting ensuring they are aware of the credit needed for escrows.<br>\*Note: DM calculates annual escrows by adding the monthly payments together. This is why the amended CD reflects $XXXX rather than $XXXX. The HOI is $XXXX / 12 = $XXXX, which rounds to $XXXX] | 05/02/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Second Home | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XX disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. | Valid Association |  |  |  | Reviewer Comment (2022-05-02): Documentation provided - exception cleared.<br>Seller Comment (2022-04-29): Amended the CD XX/XX/XX (included in the stacked legal docs package) to correct the escrows because the HOI was not properly calculated on the CD, nor was the HOA. We added a Lender credit to the borrower's escrow account iao $36.45 to avoid shortage. The calculations that they are advising as correct are also invalid. I have attached the Amended CD w/ LOX, Amended Payment Letter, & Amended IEADS. I have also attached my email to Accounting ensuring they are aware of the credit needed for escrows.<br>\*Note: DM calculates annual escrows by adding the monthly payments together. This is why the amended CD reflects $XXXX rather than $XXXX. The HOI is $XXXX / 12 = $XXXX, which rounds to $XXXX] | 05/02/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Second Home | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | Non-Escrowed Property Costs over Year 1 provided on XX/XX/XX (Final/XX/XX/XX) is $XXXX and Non Escrow provided in Loan Summary is $XXXX |  |  |  | Reviewer Comment (2022-05-04): Client elects to waive. |  |  | 05/04/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Second Home | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | Valid Association |  |  |  | Reviewer Comment (2022-04-26): Sufficient Cure Provided At Closing |  | 04/26/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Second Home | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | XXXXX business returns or evidence of extension is required. |  |  |  | Reviewer Comment (2022-05-04): Client elects to waive.<br>Reviewer Comment (2022-05-04): Client to review.<br>Buyer Comment (2022-05-03): Client to review.<br>Buyer Comment (2022-05-02): Tax return recency<br>Seller Comment (2022-04-29): Tax filing date was extended past app date. The application date is XX/XX/XX |  |  | 05/04/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Second Home | Refinance - Cash-out - Other |  | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | XXXXX business returns or evidence of extension is required. |  |  |  | Reviewer Comment (2022-05-04): Client elects to waive.<br>Reviewer Comment (2022-05-04): Client to review.<br>Buyer Comment (2022-05-03): Client to review.<br>Buyer Comment (2022-05-02): Tax return recency<br>Seller Comment (2022-04-29): Tax filing date was extended past app date. The application date is XX/XX/XX |  |  | 05/04/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Second Home | Refinance - Cash-out - Other |  | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | XXXXX business returns or evidence of extension is required. |  |  |  | Reviewer Comment (2022-05-04): Client elects to waive.<br>Reviewer Comment (2022-05-04): Client to review.<br>Buyer Comment (2022-05-03): Client to review.<br>Buyer Comment (2022-05-02): Tax return recency<br>Seller Comment (2022-04-29): Tax filing date was extended past app date. The application date is XX/XX/XX |  |  | 05/04/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Second Home | Refinance - Cash-out - Other |  | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). |  |  |  | Reviewer Comment (2022-05-12): Client accepts Higher Priced QM loan.<br>Reviewer Comment (2022-05-12): Client to review<br>Seller Comment (2022-05-11): XX/XX/XX - Please let me know if there is any update on the review of this condition.<br>Reviewer Comment (2022-05-06): Client to review. | 05/12/2022 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | XX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $9,762.19 exceeds tolerance of $8,665.31. Insufficient or no cure was provided to the borrower. | Initial LE disclosed Loan Discount Points fee $8,665.31; Final CD disclosed Loan Discount Points fee of $9,762.19. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2022-05-11): XXXXX received CD dated XX/XX/XX and corresponding COC.<br>Seller Comment (2022-05-11): XX/XX/XX CD<br>Reviewer Comment (2022-05-06): XXXXX received COC dated XX/XX/XX however there is no CD which is disclosed with in time frame from XX/XX/XX COC. Loan discount Point is increased on Final CD dated XX/XX/XX. Please provide CD disclosed within 3 business days from COC or provide cure. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Seller Comment (2022-05-06): see attached, a tolerance cure (Section J) in the amount of $1,422.05 was applied on our Final CD for both the Transfer Tax and XXXXX fee. Thank you! | 05/11/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $4,022.05 exceeds tolerance of $2,887.50. Insufficient or no cure was provided to the borrower. | Initial LE disclosed a Transfer Tax fee of $2,750.00; Final CD disclosed a Transfer Tax fee of $4,022.02. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2022-05-11): XXXXX sufficient cure provided at closing.<br>Reviewer Comment (2022-05-11): XXXXX agree with the comment however, cure provided at closing is insufficient to cure for all the citing (Loan Discount Points) exception. This exception will be cleared once we get any solution/cure for Loan Discount Points. Exception remains.<br>Seller Comment (2022-05-10): a tolerance cure (Section J) in the amount of $1,422.05 was applied on our Final CD for both the Transfer Tax and XXXXX fee. Please re-review. | 05/11/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $4,022.05 exceeds tolerance of $2,887.50. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-05-11): Sufficient Cure Provided At Closing |  | 05/11/2022 |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank XXXXX): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Client accepts Higher Priced QM loan. |  |  |  | Reviewer Comment (2022-05-12): Client elects to waive. Comp factors: XXXX% DTI, XXXX% LTV & XXXX years on job |  |  | 05/12/2022 | 2 |  | A |  | B |  | B |  | B |  | A |  | XX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exception have been cleared. |  |  |  | Reviewer Comment (2022-05-18): Guidelines DTI exceptions cleared.<br>Reviewer Comment (2022-05-18): XX/XX/XX / Safe Harbor APOR correct<br>Seller Comment (2022-05-17): XX/XX/XX CW - Please rescind. Current receipt of pension was documented with 1099 which verifies $XXXX/mo<br>Reviewer Comment (2022-04-21): Provide documentation to verify this source/type of income and continuance. Exception remains.<br>Seller Comment (2022-04-20): XX/XX/XX CW - Please rescind. Please see additional non-employment income of $XXXX/mo via copy of borrower's XXXXX 1099<br>Reviewer Comment (2022-04-20): D&I monthly income of $XXXX added. DTI updated to XXXX%. Difference appears to be due to including management fees in the rental income calculation for XXXXX. Exception remains.<br>Seller Comment (2022-04-18): XX/XX/XX CW - Please rescind. Please see attached documentation verifying dividends & interest income in the amount of $XXXX/mo, reducing the DTI to XXXX% and eligible. | 05/18/2022 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of XXXX% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Lender qualified the borrowers S-Corps by using XXXXXK1 and 1120S income combined with the XXXXX W-2. instead of the XXXXX W-2. This caused a difference of $250/month lower income for the borrower |  |  |  | Reviewer Comment (2022-05-18): XX/XX/XX / Associated 1099 income, cleared exception<br>Seller Comment (2022-05-17): XX/XX/XX CW - Please rescind. Current receipt of pension was documented with 1099 which verifies $XXXX/mo<br>Reviewer Comment (2022-04-21): Provide documentation to verify this source/type of income and continuance. Exception remains.<br>Seller Comment (2022-04-20): XX/XX/XX CW - Please rescind. Please see additional non-employment income of $XXXX/mo via copy of borrower's XXXXX 1099<br>Reviewer Comment (2022-04-20): D&I monthly income of $XXXX added. DTI updated to XXXX%. Difference appears to be due to including management fees in the rental income calculation for XXXXX. Exception remains.<br>Seller Comment (2022-04-18): XX/XX/XX CW - Please rescind. Please see attached documentation verifying dividends & interest income in the amount of $XXXX/mo, reducing the DTI to XXXX% and eligible. | 05/18/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Lender qualified the borrowers S-Corps by using XXXXXK1 and 1120S income combined with the XXXXX W-2. instead of the XXXXX W-2. This caused a difference of $250/month lower income for the borrower |  |  |  | Reviewer Comment (2022-05-18): XX/XX/XX / Associated 1099 income, cleared exception<br>Seller Comment (2022-05-17): XX/XX/XX CW - Please rescind. Current receipt of pension was documented with 1099 which verifies $XXXX/mo<br>Reviewer Comment (2022-04-21): Provide documentation to verify this source/type of income and continuance. Exception remains.<br>Seller Comment (2022-04-20): XX/XX/XX CW - Please rescind. Please see additional non-employment income of $XXXX/mo via copy of borrower's XXXXX 1099<br>Reviewer Comment (2022-04-20): D&I monthly income of $XXXX added. DTI updated to XXXX%. Difference appears to be due to including management fees in the rental income calculation for XXXXX. Exception remains.<br>Seller Comment (2022-04-18): XX/XX/XX CW - Please rescind. Please see attached documentation verifying dividends & interest income in the amount of $XXXX/mo, reducing the DTI to XXXX% and eligible. | 05/18/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | The loan is failing one or more guidelines due to excessive DTI . |  |  |  | Reviewer Comment (2022-05-18): Guidelines DTI exceptions cleared.<br>Reviewer Comment (2022-05-18): XX/XX/XX / DTI exception cleared<br>Seller Comment (2022-05-17): XX/XX/XX CW - Please rescind. Current receipt of pension was documented with 1099 which verifies $XXXX/mo<br>Reviewer Comment (2022-04-21): Provide documentation to verify this source/type of income and continuance. Exception remains.<br>Seller Comment (2022-04-20): XX/XX/XX CW - Please rescind. Please see additional non-employment income of $XXXX/mo via copy of borrower's XXXXX 1099<br>Reviewer Comment (2022-04-20): D&I monthly income of $XXXX added. DTI updated to XXXX%. Difference appears to be due to including management fees in the rental income calculation for XXXXX. Exception remains.<br>Seller Comment (2022-04-18): XX/XX/XX CW - Please rescind. Please see attached documentation verifying dividends & interest income in the amount of $XXXX/mo, reducing the DTI to XXXX% and eligible. | 05/18/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-04-18): Received Desk Review Report dated XX/XX/XX from XXXXXwith XXXXX value of XXXXX and which gives variance of 0.00% from appraised value, verified and associated the document, hence exception cleared. | 04/18/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX/ 2 days - XXXXX- No MLS Sheets |  |  |  | Reviewer Comment (2022-04-18): Received Desk Review Report dated XX/XX/XX from XXXXXwith XXXXX value of XXXXX and which gives variance of 0.00% from appraised value, verified and associated the document, hence exception cleared.<br>Reviewer Comment (2022-04-15): Valuation Received - XX/XX/XX | 04/18/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  |  |  |  |  | Reviewer Comment (2022-05-02): Received Tax certificate for subject property updated the details. Exception Cleared<br>Seller Comment (2022-04-29): Tax cert | 05/02/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Refinance - Cash-out - Other |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2022-05-04): Documentation provided - exception cleared.<br>Seller Comment (2022-05-03): loan detail<br>Seller Comment (2022-04-29): loan detail | 05/04/2022 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | XX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of XXXX% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) |  |  |  |  | Reviewer Comment (2022-05-04): Documentation provided - exception cleared.<br>Seller Comment (2022-05-03): timeshare doc<br>Seller Comment (2022-04-29): 1099 for timeshare | 05/04/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Refinance - Cash-out - Other |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial Closing Disclosure doucmentation was not provided to reflect given to borrower at least three business days prior to closing. |  |  |  | Reviewer Comment (2022-05-03): XXXXX received XX/XX/XX CD.<br>Seller Comment (2022-04-29): CD | 05/03/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Documentation supporting the payment to XXXXX for $635.00 for the timeshare was not provided to omit the payment. |  |  |  | Reviewer Comment (2022-05-04): Documentation provided - exception cleared.<br>Seller Comment (2022-05-02): timeshare<br>Seller Comment (2022-04-29): 1099 for timeshare | 05/04/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Refinance - Cash-out - Other |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Documentation supporting the payment to XXXXX for $635.00 for the timeshare was not provided to omit the payment. |  |  |  | Reviewer Comment (2022-05-04): Documentation provided - exception cleared.<br>Seller Comment (2022-05-02): timeshare<br>Seller Comment (2022-04-29): 1099 for timeshare | 05/04/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Refinance - Cash-out - Other |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - October XXXXX Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | The final CD disclosed the Amount of Total Property Costs over Year 1 as $XXXX on page 4; however the annual taxes ($XXXX) and homeowners insurance ($XXXX) total are $XXXX per year. Final CD reflects Estimated Taxes, Insurance & Assessments of $XXXX monthly, correct amount is $XXXX. Provide a post-close CD correcting on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-05-04): XXXXX received a valid Tax certificate document which explain the updated tax amount.<br>Seller Comment (2022-05-03): Per the attached Tax cert & Tax Receipt, the annual taxes are $XXXX/year = $XXXX/month ([2 installments of $XXXX annually] not $XXXX). And the homeowners insurance ($XXXX/year = $XXXX/month) total $XXXX. The correct amount of estimated taxes, insurance, & assessments is $XXXX. No amendments needed. | 05/04/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-06-14): Client elects to waive. |  |  | 06/14/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | D | B | B | B | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-06-17): Received XXXXX Reviewed for subject property secondary valuation updated the details. Exception Cleared | 06/17/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Primary | Purchase |  | D | B | B | B | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX and XXXXX 1040s and business returns. |  |  |  | Reviewer Comment (2022-06-14): Client elects to waive.<br>Seller Comment (2022-06-10): XX/XX/XX - MJP: Please rescind. We are not using income from XXXXX to qualify. Extension 4868 already noted on file. |  |  | 06/14/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | D | B | B | B | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX and XXXXX 1040s and business returns. |  |  |  | Reviewer Comment (2022-06-14): Client elects to waive.<br>Seller Comment (2022-06-10): XX/XX/XX - MJP: Please rescind. We are not using income from XXXXX to qualify. Extension 4868 already noted on file. |  |  | 06/14/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | D | B | B | B | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $780.00 exceeds tolerance of $730.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-06-06): Sufficient Cure Provided At Closing |  | 06/06/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | D | B | B | B | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-06-06): Sufficient Cure Provided At Closing |  | 06/06/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | D | B | B | B | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX / 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-06-17): Received XXXXX Reviewed for subject property secondary valuation updated the details. Exception Cleared<br>Reviewer Comment (2022-06-15): Valuation Received - XX/XX/XX | 06/17/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase |  | D | B | B | B | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,675.00 exceeds tolerance of $900.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $900.00 on LE but disclosed as $1675.00 on Final Closing Disclosure. File does not contain a valid COC for this fee; however, a cure of $775.00 was provided on Final CD - See Doc ID# 49 |  |  |  | Reviewer Comment (2022-04-21): Sufficient Cure Provided At Closing |  | 04/21/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,050.00 exceeds tolerance of $1,000.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-05-19): Sufficient Cure Provided At Closing |  | 05/19/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Second Home | Purchase | Final CD evidences Cure | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial Closing Disclosure in file is dated XX/XX/XX and Note date is XX/XX/XX. |  |  |  | Reviewer Comment (2022-05-26): XXXXXreceived XX/XX/XX Initial CD<br>Seller Comment (2022-05-24): CD XX/XX/XX<br> TRID History<br>Seller Comment (2022-05-24): Please see the initial CD XX/XX/XX and TRID History showing proof of delivery and receipt. | 05/26/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Second Home | Purchase | No Defined Cure | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2022-06-02): Received XXXXX Reviewed for subject property secondary valuation updated the details. Exception Cleared | 06/02/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Second Home | Purchase |  | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. |  |  |  |  | Reviewer Comment (2022-05-25): Client elects to waive.<br>Seller Comment (2022-05-25): XX/XX/XX, Fannie Mae only requires returns of any kind for the next year, starting XX/XX/XX. For reference, please see Fannie Mae guidance B1-1-03, Allowable Age of Credit Documents and Federal Income Tax Returns (XX/XX/XX). Link: https://selling-guide.fanniemae.com/Selling-Guide/Origination-thru-Closing/Subpart-B1-Loan-Application-Package/Chapter-B1-1-Application-Package-Documentation/1032992211/B1-1-03-Allowable-Age-of-Credit-Documents-and-Federal-Income-Tax-Returns-XX/XX/XX.htm |  |  | 05/25/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Second Home | Purchase |  | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX/ 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-06-02): Received XXXXX Reviewed for subject property secondary valuation updated the details. Exception Cleared<br>Reviewer Comment (2022-06-01): Valuation Received - XX/XX/XX | 06/02/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Second Home | Purchase |  | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-05-06): Received Desk Review Report dated XX/XX/XX from XXXXXwith XXXXX value of XXXXX and with variance of 0.00 % , verified and associated the document, hence exception cleared. | 05/06/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX / 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-05-06): Received Desk Review Report dated XX/XX/XX from XXXXXwith XXXXX value of XXXXX and with variance of 0.00 % , verified and associated the document, hence exception cleared.<br>Reviewer Comment (2022-05-05): Valuation Received - XX/XX/XX | 05/06/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-05-27): Received Title Supplemental Report reflecting the policy amount, verified and associated the document hence exception cleared.<br>Seller Comment (2022-05-26): Title Policy w/ Loan Amount | 05/27/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Purchase |  | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-04-27): Received XXXXXDesk Review dated XX/XX/XX with a value of XXXXX, which gives 0.00% variance from the Appraised value. Exception cleared. | 04/27/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX/ 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-04-27): Received XXXXXDesk Review dated XX/XX/XX with a value of XXXXX, which gives 0.00% variance from the Appraised value. Exception cleared.<br>Reviewer Comment (2022-04-26): Valuation Received - XX/XX/XX | 04/27/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX OR XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. |  | The Preliminary title policy does not state a coverage amount. |  |  |  | Reviewer Comment (2022-05-04): Documentation provided - exception cleared.<br>Seller Comment (2022-05-04): XX/XX/XX - MJP: Please see attached Title Insurance<br>Reviewer Comment (2022-05-02): Provided 3rd party VOB is not sufficient to clear the condition, hence please provide final title policy or addendum to title preliminary report reflecting the coverage amount to clear the condition. Exception remains.<br>Seller Comment (2022-04-28): XX/XX/XX - MJP: Please see attached 3rd party VOB. | 05/04/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Purchase |  | D | A | B | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2022-05-04): Documentation provided - exception cleared. | 05/04/2022 |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase |  | D | A | B | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-05-04): Documentation provided - exception cleared. | 05/04/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Primary | Purchase |  | D | A | B | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2022-05-10): Loan is SHQM (APOR).<br>Reviewer Comment (2022-05-04): Client to review.<br>Buyer Comment (2022-05-02): Buyer to review.<br>Seller Comment (2022-04-28): XX/XX/XX - MJP: Please rescind. There is no guidance from investor or FNMA stating we must have business returns by XX/XX/XX. Only guidance is for returns as of XX/XX/XX. For reference, see DU guidance: B1-1-03, Allowable Age of Credit Documents and Federal Income Tax Returns (XX/XX/XX). | 05/10/2022 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status | D | A | B | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX/ 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-05-03): XXXXX provided - exception cleared.<br>Reviewer Comment (2022-05-03): Valuation Received - XX/XX/XX | 05/03/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase |  | D | A | B | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $1,075.00 exceeds tolerance of $275.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-05-03): Sufficient Cure Provided At Closing |  | 05/03/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | The Verification of employment status within 10 business days of Note is missing from the loan file. |  |  |  | Reviewer Comment (2022-05-10): The VVOE within 10 Business days from Note has been provided. | 05/10/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | The Verification of employment status within 10 business days of Note is missing from the loan file. |  |  |  | Reviewer Comment (2022-05-10): The VVOE within 10 Business days from Note has been provided. | 05/10/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | The Verification of employment status within 10 business days of Note is missing from the loan file. |  |  |  | Reviewer Comment (2022-05-10): The VVOE within 10 Business days from Note has been provided.<br>Seller Comment (2022-05-05): XXXXX voe | 05/10/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | The Verification of employment status within 10 business days of Note is missing from the loan file. |  |  |  | Reviewer Comment (2022-05-10): The VVOE within 10 Business days from Note has been provided.<br>Seller Comment (2022-05-05): voe XXXXX | 05/10/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2022-05-05): Final Title Policy received and associated with the Amount of Insurance of XXXXX. Exception cleared.<br>Seller Comment (2022-05-04): XX/XX/XX RF see attached, please clear thank you | 05/05/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Purchase |  | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2022-05-05): Final Title Policy received and associated with the Amount of Insurance of XXXXX. Exception cleared. | 05/05/2022 |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase |  | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | Based on the application date more recent tax returns could have been available. |  |  |  | Reviewer Comment (2022-05-04): Client elects to waive.<br>Reviewer Comment (2022-05-04): Client to review.<br>Buyer Comment (2022-05-03): Client to review.<br>Buyer Comment (2022-05-02): Buyer to review.<br>Seller Comment (2022-04-28): XX/XX/XX - MJP: Business tax returns are not required until XX/XX/XX per B1-1-03, Allowable Age of Credit Documents and Federal Income Tax Returns (XX/XX/XX)<br>Reviewer Comment (2022-04-27): Client to review. |  |  | 05/04/2022 | 2 |  | B |  | B |  | B |  | B |  | B |  | XX | Primary | Purchase |  | A | B | A | A | A | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | Based on the application date more recent tax returns could have been available. |  |  |  | Reviewer Comment (2022-05-04): Client elects to waive.<br>Reviewer Comment (2022-05-04): Client to review.<br>Buyer Comment (2022-05-03): Client to review.<br>Buyer Comment (2022-05-02): Buyer to review.<br>Seller Comment (2022-04-28): XX/XX/XX - MJP: Business tax returns are not required until XX/XX/XX per B1-1-03, Allowable Age of Credit Documents and Federal Income Tax Returns (XX/XX/XX)<br>Reviewer Comment (2022-04-27): Client to review. |  |  | 05/04/2022 | 2 |  | B |  | B |  | B |  | B |  | B |  | XX | Primary | Purchase |  | A | B | A | A | A | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2022-06-16): Updated XXXXX per SE YTD documentation, exception removed.<br>Seller Comment (2022-06-14): XXXXX XX/XX/XX CW - Please rescind. Based on the guidelines contained within B1-1-03, lender has satisfied documentation requirements. With an application date of XX/XX/XX and a disbursement date of XX/XX/XX, the most recent year's tax return is recommended; however, the previous year(s) is also acceptable - and In the event the most recent year's tax return is not obtained, the loan file must include a completed and signed IRS Form 4506-C for transcripts of tax returns provided by the borrower to the lender. This was provided in the loan package that was delivered on XX/XX/XX at 8:51AM<br>Reviewer Comment (2022-05-24): (Personal tax filing due date is XX/XX/XX). Business Taxes were used for qualification of subject loan. Business Taxes have a due date of XX/XX/XX. This is prior to the application date of XX/XX/XX. Please provide the Business tax return extension<br>Seller Comment (2022-05-23): XXXXX XX/XX/XX CW - Please rescind. There are no guidelines encapsulating business return extension requirements, loan was submitted prior to the tax deadline, most recent year is on file. | 06/16/2022 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | XX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - S-Corp | General QM: Unable to verify S-Corp income using reasonably reliable third-party records. | Loan application date is XX/XX/XX therefore the S-Corp returns or evidence of tax extension is required for XXXXX. |  |  |  | Reviewer Comment (2022-06-16): Updated XXXXX per SE YTD documentation, exception removed.<br>Seller Comment (2022-06-14): XXXXX XX/XX/XX CW - Please rescind. Based on the guidelines contained within B1-1-03, lender has satisfied documentation requirements. With an application date of XX/XX/XX and a disbursement date of XX/XX/XX, the most recent year's tax return is recommended; however, the previous year(s) is also acceptable - and In the event the most recent year's tax return is not obtained, the loan file must include a completed and signed IRS Form 4506-C for transcripts of tax returns provided by the borrower to the lender. This was provided in the loan package that was delivered on XX/XX/XX at 8:51AM<br>Reviewer Comment (2022-05-24): (Personal tax filing due date is XX/XX/XX). Business Taxes were used for qualification of subject loan. Business Taxes have a due date of XX/XX/XX. This is prior to the application date of XX/XX/XX. Please provide the Business tax return extension<br>Seller Comment (2022-05-23): XXXXX XX/XX/XX CW - Please rescind. There are no guidelines encapsulating business return extension requirements, loan was submitted prior to the tax deadline, most recent year is on file. | 06/16/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Refinance - Cash-out - Other |  | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. |  |  |  |  | Reviewer Comment (2022-06-29): Client elects to waive.<br>Reviewer Comment (2022-06-21): Client to review.<br>Seller Comment (2022-06-16): XXXXX XX/XX/XX CW - Please rescind. Based on the guidelines contained within B1-1-03, lender has satisfied documentation requirements. With an application date of XX/XX/XX and a disbursement date of XX/XX/XX, the most recent year's tax return is recommended; however, the previous year(s) is also acceptable - and In the event the most recent year's tax return is not obtained, the loan file must include a completed and signed IRS Form 4506-C for transcripts of tax returns provided by the borrower to the lender. This was provided in the loan package that was delivered on XX/XX/XX at 8:51AM<br>Reviewer Comment (2022-06-16): Client to review. |  |  | 06/29/2022 | 2 |  | B |  | B |  | B |  | B |  | B |  | XX | Primary | Refinance - Cash-out - Other |  | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | The final CD disclosed the Amount of Total Property Costs over Year 1 as $XXXX on page 4; however the annual taxes ($XXXX) and homeowners insurance ($XXXX) total are $XXXX per year. Final CD reflects Estimated Taxes, Insurance & Assessments of $XXXX monthly, correct amount is $XXXX. Provide a post-close CD correcting on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-07-07): Client elects to waive.<br>Reviewer Comment (2022-07-07): SitusAMC Received supporting doc for $3306.00 i.e. Proof of HOA Maintenance Due which reflects mentioned as $3305.94 however we have not received any document for the blanket insurance policy Covering walls in. Please provide Additional information/supporting documents for the same.<br>Seller Comment (2022-07-05): Proof of HOA Maintenance Due<br>Reviewer Comment (2022-06-30): SitusAMC received lender rebuttal that property is Co-op and only dues of $3306/mo are due. However, the blanket insurance policy for the Co-op does not reflect the policy covers walls-in coverage for the unit. Provide proof of this and the appraisal reflects a different monthly maintenance cost of $3212 which does not match to the Final CD monthly or total property costs. Provide proof of the correct monthly maintenance of $3306/mo."<br>Seller Comment (2022-06-29): This is a COOP. and the $3,306.00 is for the monthly COOP Dues. CD is correct, please review and clear condition. |  |  | 07/07/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of the insurance and all charges equaling $1,200.00 as shown on the 1003 for XXXXX. The insurance verification for XXXXX, XXXXX and XXXXX and the Lease Agreement for XXXXX. |  |  |  | Reviewer Comment (2022-06-03): Exception cleared XX/XX/XX.<br>Reviewer Comment (2022-05-31): We have received lender correspondence for XXXXX, XXXXX & XXXXX stating there is no HOI as vacant land. As per final 1003 XXXXX & XXXXX is updated as pending in sale hence please provide closing statement or final CD or supporting document to verify that properties are sold out. As we have received multiple document (Sale/Purchase contracts, property history report, lender correspondence) stating property XXXXX is under contract. Exception remains.<br>Seller Comment (2022-05-26): REO | 06/03/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - REO 25% Method | General QM: Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. | The Lease Agreement is missing for XXXXX. |  |  |  | Reviewer Comment (2022-06-13): Received documents verifying sale of property at XXXXX. Exception cleared.<br>Seller Comment (2022-06-09): Please see attached. | 06/13/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | Based on the application the tax returns are not the most recent with no extension provided. |  |  |  | Reviewer Comment (2022-05-12): Client elects to waive. |  |  | 06/17/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | Based on the application the tax returns are not the most recent with no extension provided. |  |  |  | Reviewer Comment (2022-05-12): Client elects to waive. |  |  | 06/17/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Additional supporting documentation of $XXXX per 1003 |  |  |  | Reviewer Comment (2022-05-10): P&I updated as per final 1003 & Credit report for the said REO as $902, hence there is no shortfall of $24.87, hence exception cleared.<br>Seller Comment (2022-05-09): (XXXXX) Please see Credit Report and Transaction Activity on the XXXXX mortgage statement. Payment amount was $XXXX in January and February. Payment changed to $XXXX for the March payment. We used the higher payment listed on the credit report. | 05/10/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (43-Q) | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-05-31): Client elects to waive. |  |  | 05/31/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,315.00 exceeds tolerance of $1,230.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-05-24): Sufficient Cure Provided At Closing |  | 05/24/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $175.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-05-24): Sufficient Cure Provided At Closing |  | 05/24/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing documentation to support PITIA for property located at XXXXX |  |  |  | Reviewer Comment (2022-06-17): Documentation provided, exception cleared.<br>Seller Comment (2022-06-16): REO Docs | 06/17/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | The Initial Signed and Dated Closing Disclosure is missing from the loan file. Please provide documentation that shows the CD was provided to the borrower at least three business days prior to closing. |  |  |  | Reviewer Comment (2022-05-19): XXXXX received XX/XX/XX CD.<br>Seller Comment (2022-05-17): Initial CD<br> TRID History<br>Seller Comment (2022-05-17): Please see the attached Initial CD XX/XX/XX and TRID History showing proof of delivery and receipt. | 05/19/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $35.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $0.00 on LE but disclosed as $35.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $35.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-05-12): Sufficient Cure Provided At Closing |  | 05/12/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | The debt to income ratio exceeded the guidelines of 50%. The lender utilized monthly HOA Dues of $XXXX. The appraisal confirmed the monthly HOA Dues were $XXXX. The AUS required documentation for the omission of the XXXXX, which was not provided. |  |  |  | Reviewer Comment (2022-05-18): Received updated statement confirming April payment for XXXXX debt & less than 10 months remaining as on note date. Exception cleared.<br>Seller Comment (2022-05-17): AUS/1008<br>Reviewer Comment (2022-05-16): XX/XX/XX. No new documentation has been provided to clear this exception. The AUS did not include the TD auto loan in debts. Verify this has been paid off or was less than 10 payments at time of closing.<br>Seller Comment (2022-05-13): Credit was pulled XX/XX/XX credit report shows the last payment was XX/XX/XX -12 months remaining <br> Feb/March/April payment =9 months remaining<br>Reviewer Comment (2022-05-12): The Credit Report reflects a balance of $XXXX for the XXXXX debt. With a payment of $XXXX there are 12 payments left. Need documentation for the omission of the debt. Exception remains.<br>Seller Comment (2022-05-11): The HOA dues of $XXXX was added to the monthly payment. Please see 1008. | 05/18/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2022-05-20): Documentation provided - exception cleared.<br>Seller Comment (2022-05-18): Can this condition be cleared, now that all documentation has been received? | 05/20/2022 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of XXXX% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | The debt to income ratio exceeded the guidelines of 50%. The lender utilized monthly HOA Dues of $XXXX. The appraisal confirmed the monthly HOA Dues were $XXXX. The AUS required documentation for the omission of the XXXXX, which was not provided. |  |  |  | Reviewer Comment (2022-05-18): Received updated statement confirming April payment for XXXXX debt & less than 10 months remaining as on note date. Exception cleared.<br>Seller Comment (2022-05-17): Auto Statement<br>Reviewer Comment (2022-05-16): XX/XX/XX: No new documentation has been provided to clear this exception.<br>Seller Comment (2022-05-13): Credit was pulled XX/XX/XX credit report shows the last payment was XX/XX/XX -12 months remaining <br> Feb/March/April payment =9 months remaining<br>Reviewer Comment (2022-05-12): The Credit Report reflects a balance of $XXXX for the XXXXX debt. With a payment of $XXXX there are 12 payments left. Need documentation for the omission of the debt. Exception remains.<br>Seller Comment (2022-05-11): UW Response: XXXXX the borrower has less than 10 payments left per the credit report. That is why is omitted.<br>Seller Comment (2022-05-11): The HOA dues of $XXXX was added to the monthly payment. Please see 1008. | 05/18/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2022-05-20): Documentation provided - exception cleared.<br>Seller Comment (2022-05-18): Can this condition be cleared, now that all documentation has been received? | 05/20/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-06-07): Received Final Title Policy dated XX/XX/XX with policy amount of XXXXX updated the details. Exception Cleared<br>Seller Comment (2022-06-06): (XXXXX) Please see the attached Final Title | 06/07/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Second Home | Purchase |  | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file is missing a copy of the final title policy. |  |  |  | Reviewer Comment (2022-06-07): Received Final Title Policy dated XX/XX/XX with policy amount of XXXXX updated the details. Exception Cleared | 06/07/2022 |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Second Home | Purchase |  | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-07-01): Received Desk Review Report dated XX/XX/XX from XXXXXwith XXXXX value of XXXXX and with variance of 0.00% , verified and associated the document, hence exception cleared.<br> we have zip code look up in the file to confirm the difference in zip code also. | 07/01/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Second Home | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $6,245.04 exceeds tolerance of $4,456.00 plus 10% or $4,901.60. Sufficient or excess cure was provided to the borrower at Closing. | 10% tolerance was exceeded by $1,343.44. No valid COC provided, cure provided at closing. |  |  |  | Reviewer Comment (2022-06-20): Sufficient Cure Provided At Closing |  | 06/20/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Second Home | Purchase | Final CD evidences Cure | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,435.00 exceeds tolerance of $810.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $810.00 on LE but disclosed as $1,435.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-06-20): Sufficient Cure Provided At Closing |  | 06/20/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Second Home | Purchase | Final CD evidences Cure | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $152.06 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $150.00 on LE but disclosed as $152.06 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-06-20): Sufficient Cure Provided At Closing |  | 06/20/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Second Home | Purchase | Final CD evidences Cure | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX/ 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-07-01): Received Desk Review Report dated XX/XX/XX from XXXXXwith XXXXX value of XXXXX and with variance of 0.00% , verified and associated the document, hence exception cleared.<br> we have zip code look up in the file to confirm the difference in zip code also.<br>Reviewer Comment (2022-06-29): Valuation Received - XX/XX/XX | 07/01/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Second Home | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-05-31): Client elects to waive. |  |  | 05/31/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Second Home | Purchase |  | D | B | B | B | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $200.00 exceeds tolerance of $181.00 plus 10% or $199.10. Sufficient or excess cure was provided to the borrower at Closing. | 10% tolerance was exceeded by $19.00 due to increase of recording fee. No valid COC provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2022-05-23): Sufficient Cure Provided At Closing |  | 05/23/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Second Home | Purchase | Final CD evidences Cure | D | B | B | B | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $800.00 exceeds tolerance of $650.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $650.00 on Loan Estimate but disclosed as $800.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2022-05-23): Sufficient Cure Provided At Closing |  | 05/23/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Second Home | Purchase | Final CD evidences Cure | D | B | B | B | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-06-01): XXXXX received details verified. Exception cleared. | 06/01/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Second Home | Purchase |  | D | B | B | B | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX/ 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-06-01): XXXXX received details verified. Exception cleared.<br>Reviewer Comment (2022-05-31): Valuation Received - XX/XX/XX | 06/01/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Second Home | Purchase |  | D | B | B | B | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $975.00 exceeds tolerance of $900.00. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $900.00 on Loan Estimate but disclosed as $975.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file.. Provide a post-close CD disclosing the tolerance cure to include $75.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-06-30): XXXXX Sufficient cure provided at closing.<br>Seller Comment (2022-06-29): the $75 was refunded at closing in section J with RESPA Credit. please review final cd | 06/30/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee. Fee Amount of $24.00 exceeds tolerance of $20.00. Insufficient or no cure was provided to the borrower. | Title wire/funding/disbursement Fee was last disclosed as $20.00 on Loan Estimate but disclosed as $24.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $4.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-06-28): XXXXX upon further review as fee was disclosed on initial LE and is subject to no tolerance no further action required. | 06/28/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $125.00 exceeds tolerance of $100.00. Insufficient or no cure was provided to the borrower. | Title-Endorsement Fee was last disclosed as $100.00 on Loan Estimate but disclosed as $1255.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $1,155.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-06-28): XXXXX upon further review as fee was disclosed on initial LE and is subject to no tolerance no further action required.<br>Seller Comment (2022-06-27): XXXXX please re-review this condition at it appear you incorrectly entered this fee as $1255.00 when all docs clearly show $125.00.<br> Please advise | 06/28/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation report required for securitization purposes. |  |  |  | Reviewer Comment (2022-06-28): Desk review received,<br>Seller Comment (2022-06-27): 2nd Evaluation DESK REVIEW attached | 06/28/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Second Home | Purchase |  | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $3,276.00 exceeds tolerance of $950.00 plus 10% or $1,045.00. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded by $2,326 due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $2,326, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-06-30): XXXXX Received corrected PCCD dated XX/XX/XX along with LOE. No cure required.<br>Seller Comment (2022-06-29): PCCD<br>Reviewer Comment (2022-06-28): XXXXX upon further review Title - Settlement/closing fee of $2876 is disclosed on sec B of CD which is why is showing under 10% tolerance however on LE the fee was disclosed on sec C as the fee is not paid to service provider listed in SSPL. Please move the fee to sec C to reflect the fee under no tolerance and provided the updated PCCD and LOE moving the fee to sec C.<br>Seller Comment (2022-06-27): XXXXX please provide guidance on where this fee total is coming from as we dont see this. | 06/30/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX/ 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-06-28): Desk review received.<br>Reviewer Comment (2022-06-27): Valuation Received - XX/XX/XX | 06/28/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Second Home | Purchase |  | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $975.00 exceeds tolerance of $900.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-06-30): Sufficient Cure Provided At Closing |  | 06/30/2022 |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Second Home | Purchase | Final CD evidences Cure | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Verified assets in the amount of XXXXX are insufficient to meet closing costs requirement of XXXXX. Final 1008 reflects XXXXX verified, however no supporting documents were provided. |  |  |  | Reviewer Comment (2022-06-01): Received borrowers asset statements updated the details and verified available assets are sufficient for PITIA Reserves and Closing. Exception Cleared<br>Seller Comment (2022-05-31): bk stateemtn<br>Seller Comment (2022-05-31): bank statement | 06/01/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Assets were not verified to support 9 months of reserves. |  |  |  | Reviewer Comment (2022-06-01): Received borrowers asset statements updated the details and verified available assets are sufficient for PITIA Reserves and Closing. Exception Cleared<br>Seller Comment (2022-05-31): bk statement | 06/01/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The mortgage statement, tax and insurance information are missing for XXXXX. |  |  |  | Reviewer Comment (2022-06-01): Document provided XX/XX/XX. Exception cleared XX/XX/XX.<br>Seller Comment (2022-05-31): reo docs | 06/01/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-07-01): Final title received, verified and associated the document hence exception cleared.<br>Seller Comment (2022-06-29): Title Policy | 07/01/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Purchase |  | B | A | B | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2022-07-01): Final title policy received, verified and associated the document hence exception cleared. | 07/01/2022 |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase |  | B | A | B | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | Estimated Property Costs over Year 1 was calculated using 11 months when 12 should have been used. |  |  |  | Reviewer Comment (2022-06-30): SitusAMC upon further review received clarification hence no further action required.<br>Seller Comment (2022-06-29): We go off the confirmation date which would be 11 months not 12 months. please clear as this is not an issue. | 06/30/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | B | A | B | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $515.00 exceeds tolerance of $395.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $515.00 exceeds tolerance of $395.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2022-06-24): Sufficient Cure Provided At Closing |  | 06/24/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | B | A | B | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-05-17): Client elects to waive. |  |  | 05/17/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $705.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $705.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2022-05-31): XXXXX received LOE/attestation for Appraisal fee of $2000 disclosed in initial LE is split on CD as Appraisal fee and Second Appraisal fee due to fee being paid to different payee.<br>Seller Comment (2022-05-27): The broker disclosed a $2,000 appraisal fee on the initial LE for both appraisals. We - XXXXX the lender - split out this appraisal fee on the final CD into two lines as there were two different payees. There wasn't a tolerance violation as the total appraisal fee of $1,700 was less than the $2,000 initially disclosed.<br>Reviewer Comment (2022-05-24): XXXXX Received LOE/attestation for Appraisal Fee split on LE dated XX/XX/XX however we need bifurcation of Appraisal Fee $2000.00 into Appraisal Fee 1 and Appraisal Fee 2 which was actually disclosed on LE dated XX/XX/XX.<br>Seller Comment (2022-05-24): attestation<br>Seller Comment (2022-05-24): HC - Please see attached<br>Reviewer Comment (2022-05-24): XXXXX Did not receive any attestation or related documents uploaded. Please provide attestation stating that the Appraisal fee and Second Appraisal fee were combined on the initial documents and later were split as they were paid to different providers.<br>Seller Comment (2022-05-23): HC XX/XX/XX - See attached attestation<br>Reviewer Comment (2022-05-23): XXXXX Received a comment from seller that the Appraisal fee and 2nd Appraisal fees were combined on Initial documents. We need an attestation stating that the Appraisal fee and Second Appraisal fee were combined on the initial documents and later were split as they were paid to different providers.<br>Seller Comment (2022-05-20): Appraisal Invoices<br>Seller Comment (2022-05-20): Disagree: Due to the loan amount, a second appraisal is required. Both appraisals were included on the original disclosure, just combined. Total Appraisal amount is $1700, or $300 less than originally disclosed. Please see attached invoices. Reduction is beneficial to the borrower, no tolerance created. | 05/31/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX OR XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-06-14): Client elects to waive. |  |  | 06/14/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  |  |  |  |  | Reviewer Comment (2022-06-16): Received Permanent Resident card for borrower. Exception cleared.<br>Seller Comment (2022-06-15): ID's | 06/16/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Verified liquid assets in the amount of XXXXX are insufficient to meet cash to close of XXXXX. Final 1008 reflects XXXXX verified, however, missing documentation for gift funds reflected on the final CD. |  |  |  | Reviewer Comment (2022-07-18): Gift funds verified. Sufficient assets have been verified.<br>Seller Comment (2022-07-15): gift deposits<br>Reviewer Comment (2022-07-12): Gift funds in the amount of XXXXX has not been verified. Provide documentation verifying the conversion rate for the XXXXX gift, (conversion of XXXXX Euro to US $ has been provided and cannot be accepted for this gift) and verification of transfer to borrower or escrow. Exception remains.<br>Seller Comment (2022-07-11): Wire transfer and euro conversation<br>Reviewer Comment (2022-07-05): Documentation provided does not satisfy the exception for the gift in the amount of XXXXX. Provide documentation verifying the gift donor provided the XXXXX gift and documentation verifying the conversion rate from Euro to $ was not received for the funds provided from the borrowers XXXXX account. These funds cannot be used until the supporting documentation has been provided to verify source and usability. Exception remains.<br>Seller Comment (2022-07-01): More XXXXX docs<br>Seller Comment (2022-07-01): is the XXXXX sourcing.<br>Seller Comment (2022-07-01): XXXXX sourcing.<br>Reviewer Comment (2022-06-28): Provide documentation verifying the gift donor provided the XXXXX gift and documentation verifying the conversion rate from Euro to $ was not received for the funds provided from the borrowers XXXXX account. These funds cannot be used until the supporting documentation has been provided to verify source and usability. Exception remains.<br>Seller Comment (2022-06-24): Note from my UW <br> XXXX we dont need XXXXX reserves. cash to close is XXXXX we have assets of XXXXX minus XXXXX of XXXXX = XXXXX in assets statement shows the XXXXX transferred to XXXXX<br>Reviewer Comment (2022-06-22): EMD wire transfer proof of XXXXX provided was already in file. We require the following documents before clearing this citing - 1) Please provide donor's check or wire confirmation to borrower or the title company for the gift fund in the amount of XXXXX. 2) Also, the XXXXX IRA statement for account ending XXXXX was already in file for one month (XXXXX), please provide additional 1 month statement. 3) Also please provide the currency conversion rate documentation for the XXXX account used as asset. 4) Please provide the Source of funds for deposit made by borrower in the amount of XXXXX & XXXXX as reflecting in Final CD 3rd page Adjustments. Exception remains.<br>Seller Comment (2022-06-21): emd wire this was uploaded previously<br>Reviewer Comment (2022-06-16): We require the following documents before clearing this citing - 1) Please provide donor's check or wire confirmation to borrower or the title company for the gift fund in the amount of XXXXX. 2) Also, the XXXXX IRA statement for account ending XXXXX was already in file for one month (XXXXX), please provide additional 1 month statement. 3) Also please provide the currency conversion rate documentation for the XXXXX account used as asset. 4) Please provide the Source of funds for deposit made by borrower in the amount of XXXXX & XXXXX as reflecting in Final CD 3rd page Adjustments. Exception remains.<br>Seller Comment (2022-06-15): property<br>Seller Comment (2022-06-15): gift<br>Seller Comment (2022-06-15): bk<br>Seller Comment (2022-06-15): bk statements<br>Seller Comment (2022-06-15): 401k | 07/18/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Asset | Asset Documentation | Asset | Gift Funds reflected on the CD, however supporting documentation was not found in file. |  |  |  |  |  | Reviewer Comment (2022-07-18): Gift funds verified. Sufficient assets have been verified.<br>Seller Comment (2022-07-15): gift letter<br>Seller Comment (2022-07-15): deposit<br>Reviewer Comment (2022-07-12): Gift funds in the amount of XXXXX has not been verified. Provide documentation verifying the conversion rate for the XXXXX gift, (conversion of XXXXX Euro to US $ has been provided and cannot be accepted for this gift) and verification of transfer to borrower or escrow. Exception remains.<br>Seller Comment (2022-07-11): Wire transfer and euro conversation<br>Reviewer Comment (2022-07-05): Documentation provided does not satisfy the exception for the gift in the amount of XXXXX. Provide documentation verifying the gift donor provided the XXXXX gift and documentation verifying the conversion rate from Euro to $ was not received for the funds provided from the borrowers XXXXX account. These funds cannot be used until the supporting documentation has been provided to verify source and usability. Exception remains.<br>Seller Comment (2022-07-01): More XXXXX docs<br>Seller Comment (2022-07-01): is the XXXXX sourcing.<br>Reviewer Comment (2022-06-28): Provide documentation verifying the gift donor provided the XXXXX gift and documentation verifying the conversion rate from Euro to $ was not received for the funds provided from the borrowers XXXXX account. These funds cannot be used until the supporting documentation has been provided to verify source and usability. Exception remains.<br>Seller Comment (2022-06-24): XXXXX we dont need XXXXX reserves. cash to close is XXXXX we have assets of XXXXX minus XXXXX of XXXXX = XXXXX in assets statement shows the XXXXX transferred to XXXXX<br>Reviewer Comment (2022-06-22): EMD wire transfer proof of XXXXX provided was already in file. However this exception is created for the gift funds in the amount of XXXXX. We have received the gift letter however please provide donor's check or wire confirmation to borrower or the title company for the gift fund. Exception remains.<br>Seller Comment (2022-06-21): EM Wire<br>Reviewer Comment (2022-06-16): We have received the gift letter however please provide donor's check or wire confirmation to borrower or the title company for the gift fund in the amount of XXXXX. Exception remains.<br>Seller Comment (2022-06-15): gft | 07/18/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. |  | Identification is missing |  |  |  | Reviewer Comment (2022-06-16): Received Permanent Resident card for borrower. Exception cleared.<br>Seller Comment (2022-06-15): Duplicate suspense | 06/16/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2022-07-05): Received additional asset documents to meet the reserve requirement. Exception cleared.<br>Seller Comment (2022-07-01): More XXXXX docs<br>Seller Comment (2022-07-01): is the XXXXX sourcing.<br>Reviewer Comment (2022-06-28): Provide documentation verifying the gift donor provided the XXXXX gift and documentation verifying the conversion rate from Euro to $ was not received for the funds provided from the borrowers XXXXX account. These funds cannot be used until the supporting documentation has been provided to verify source and usability. Exception remains.<br>Seller Comment (2022-06-24): XXXXX we dont need XXXXX reserves. cash to close is XXXXX we have assets of XXXXX minus XXXXX of XXXXX = XXXXX in assets statement shows the XXXXX transferred to XXXXX<br>Reviewer Comment (2022-06-16): We require the following documents before clearing this citing - 1) Please provide donor's check or wire confirmation to borrower or the title company for the gift fund in the amount of XXXXX. 2) Also, the XXXXX IRA statement for account ending XXXXX was already in file for one month (XXXXX), please provide additional 1 month statement. 3) Also please provide the currency conversion rate documentation for the XXXXX account used as asset. 4) Please provide the Source of funds for deposit made by borrower in the amount of XXXXX & XXXXX as reflecting in Final CD 3rd page Adjustments. Exception remains.<br>Seller Comment (2022-06-15): assets docs uploaded on assets suspense | 07/05/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | QM AUS Program; AUS not provided. |  |  |  | Reviewer Comment (2022-06-09): AUS received & associated. Exception cleared.<br>Seller Comment (2022-06-08): aus | 06/09/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $XXXX on page 4; however the HOA dues total $XXXX per year. Final CD reflects Estimated Taxes, Insurance & Assessments of $XXXX monthly, correct amount is $XXXX. Provide a post-close CD correcting the Escrow Account section on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-06-09): Client elects to waive. |  |  | 06/09/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $1,929.08 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Extension Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $1,929.08, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-06-23): XXXXX received valid COC dated XX/XX/XX.<br>Seller Comment (2022-06-22): Here is the COC for the lock extension fee. <br>Thanks,<br> XXXXX<br> XXXXX<br> XXXXX<br>Seller Comment (2022-06-22): COC 3<br>Reviewer Comment (2022-06-17): XXXXX Received a rebuttal which states that the Lender had to buy down the rate due to DTI, which increased the points. Interest rate change is not a valid reason for lock extension fee. On XX/XX/XX, discount points increased to $39877.94, for which this reason is acceptable, however on the same date the Lock extension fee was added and we do not have a supporting document like a Rate lock extension which can justify adding of the Lock extension fee. Please provide a valid COC/Rate lock extension or provide cure documents.<br>Seller Comment (2022-06-16): Fairway had to buy down the rate due to DTI, which increased the points. That is the reason<br>Reviewer Comment (2022-06-14): XXXXX Received COC dated XX/XX/XX which does not state any valid reason for Extension Fee added on CD dated XX/XX/XX. Please provide valid COC with additional information which can explain why Extension Fee added on CD dated XX/XX/XX or please provide cure along with cure documents.<br>Seller Comment (2022-06-13): Here is the PCCD and LOE.<br> Here is the COC for the discount points | 06/23/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $39,877.94 exceeds tolerance of $6,821.00. Insufficient or no cure was provided to the borrower. | Loan Discount Point Fee was last disclosed as $6,821.00 on Loan Estimate but disclosed as $39,877.94 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $33,056.94, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-06-14): XXXXX Received Valid COC dated XX/XX/XX therefore no cure required.<br>Seller Comment (2022-06-13): Here is the PCCD and LOE.<br>Here is the COC for the discount points<br>Seller Comment (2022-06-13): Here is the PCCD and LOE.<br> Here is the COC for the discount points | 06/14/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure XX/XX/XX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) | The file was missing a copy of Seller Closing Disclosure on a first lien purchase transaction. |  |  |  | Reviewer Comment (2022-06-20): XXXXX received Seller CD<br>Seller Comment (2022-06-16): Seller Settlement statement<br>Seller Comment (2022-06-16): Seller CD<br>Reviewer Comment (2022-06-15): XXXXX received XX/XX/XX CD. Final CD and the Corrected CD are missing the Seller paid fees on the purchase transaction. Provide a Seller CD or another document that outlines seller paid fees, typically Final Seller Settlement Statement.<br>Seller Comment (2022-06-13): Here is the PCCD and LOE.<br>Here is the COC for the discount points | 06/20/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Verified assets in the amount of XXXXX are insufficient to meet reserves requirement of XXXXX. Final 1008 reflects XXXXX verified, however, no verification of assets were provided. |  |  |  | Reviewer Comment (2022-06-23): Lender provided sufficient assets - proof of wire for gift funds is sufficient<br>Seller Comment (2022-06-22): Large deposits reflected on XXXXX acct - XXXXX are all gift funds from XXXX Parents. Gift letters, source of funds, and deposit of funds are all provided. Verification of EMD was also provided in Earnest Money file in efolder and sources EMD funds reflected on Final CD. Balance of XXXXX account was XXXXX, however, borrower withdrew XXXXX from IRA to go towards closing assets. XXXXX IRA balance is XXXXX along with XXXXX withdraw, which totals the XXXXX. Assets are all Sourced.<br>Reviewer Comment (2022-06-20): Received and associated XXXXX Account. However, we still require below documents: 1) Please provide Evidence of Transfer of Funds in the form of Donor's Bank statement/Donor's check reflecting Gift Funds debited from the account or the Wire Confirmation verifying the Gift Funds in the amount of XXXXX, XXXXX, XXXXX, XXXXX and XXXXX. 2) Please provide Evidence of Transfer of Funds / Wire Confirmation to verify the amount XXXXX and XXXXX deposited in the Escrow account. 3) Please provide deposit receipt and source of funds/deposit to verify the EMD in the amount of XXXXX, mentioned in Final CD, used for closing. Exception remains.<br>Seller Comment (2022-06-16): Gift docs<br>Seller Comment (2022-06-16): Retirement statement<br>Reviewer Comment (2022-06-09): 1. Please provide evidence of the Retirement Account from XXXXX showing balance of XXXXX. as mentioned in final 1003. 2. Also to verify Gift funds please provide evidence the following documents - Gift Letter, Donor's check & source of funds/deposit. 3. Also, please provide deposit receipt, source of fund document for EMD amount as mentioned in Final CD which is used for closing. Please provide the above documents to verify the amount as mentioned in 1008/AUS in file & to suffice the requirement. 4. Also please provide evidence of large deposits reflecting in bank account ending XXXXX (D0242 & D0244) in the amounts of XXXXX, XXXXX & XXXXX, Exception remains.<br>Seller Comment (2022-06-08): bk statements | 06/23/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Verified assets in the amount of XXXXX are insufficient to meet reserves requirement of XXXXX. Final 1008 reflects XXXXX verified, however, no verification of assets were provided. |  |  |  | Reviewer Comment (2022-06-23): Lender provided sufficient assets - proof of wire for gift funds is sufficient<br>Seller Comment (2022-06-22): Large deposits reflected on XXXXX acct - XXXXX are all gift funds from Borr Parents. Gift letters, source of funds, and deposit of funds are all provided. Verification of EMD was also provided in Earnest Money file in efolder and sources EMD funds reflected on Final CD. Balance of XXXXX account was XXXXX, however, borrower withdrew XXXXX from IRA to go towards closing assets. XXXXX IRA balance is XXXXX along with XXXXX withdraw, which totals the XXXXX. Assets are all Sourced.<br>Reviewer Comment (2022-06-20): Received and associated XXXXX Account. However, we still require below documents: 1) Please provide Evidence of Transfer of Funds in the form of Donor's Bank statement/Donor's check reflecting Gift Funds debited from the account or the Wire Confirmation verifying the Gift Funds in the amount of XXXXX, XXXXX, XXXXX, XXXXX and XXXXX. 2) Please provide Evidence of Transfer of Funds / Wire Confirmation to verify the amount XXXXX and XXXXX deposited in the Escrow account. 3) Please provide deposit receipt and source of funds/deposit to verify the EMD in the amount of XXXXX, mentioned in Final CD, used for closing. Exception remains.<br>Seller Comment (2022-06-16): Uploaded gift docs, earnest money docs and retirement statement<br>Reviewer Comment (2022-06-09): 1. Please provide evidence of the Retirement Account from XXXXX showing balance of XXXXX. as mentioned in final 1003. 2. Also to verify Gift funds please provide evidence the following documents - Gift Letter, Donor's check & source of funds/deposit. 3. Also, please provide deposit receipt, source of fund document for EMD amount as mentioned in Final CD which is used for closing. Please provide the above documents to verify the amount as mentioned in 1008/AUS in file & to suffice the requirement. 4. Also please provide evidence of large deposits reflecting in bank account ending XXXXX (D0242 & D0244) in the amounts of XXXXX, XXXXX & XXXXX, Exception remains.<br>Seller Comment (2022-06-08): bk statements | 06/23/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation report required for securitization purposes. |  |  |  | Reviewer Comment (2022-06-01): Received CDA Document and updated in Clarity and Associated. Exception Cleared. | 06/01/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Primary | Purchase |  | D | B | A | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | The final CD disclosed the Amount of Total Property Costs over Year 1 as $XXXX on page 4; however the annual taxes ($XXXX) and homeowners insurance ($XXXX total are $XXXX per year. Final CD reflects Estimated Taxes, Insurance & Assessments of $XXXX monthly, correct amount is $XXXX. Provide a post-close CD correcting on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-06-02): Client elects to waive.<br>Reviewer Comment (2022-05-31): SitusAMC upon further review based on the tax cert documentation the lender provided, it reflects the tax rate of 1.051210%. For state of XXXXX we take that tax rate x the Sales Price, which is $XXXX. This XXXXXlculates to annual amount of $18,501.30 or $XXXX/mo on taxes and with insurance of $XXXX/mo total property costs are $XXXX/mo or $XXXX annual. Please provide PCCD and LOE to cure or verifiXXXXXtion of updated amounts.<br>Seller Comment (2022-05-27): XX/XX/XX AMB: Please rescind. Please note that we used the actual tax rate provided by the title company in order to calculate the property taxes. Please see the attached documentation showing the tax rate from title. |  |  | 06/02/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | D | B | A | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / 2 days - CDA - No MLS Sheets |  |  |  | Reviewer Comment (2022-06-01): Received CDA Document and updated in Clarity and Associated. Exception Cleared.<br>Reviewer Comment (2022-05-31): Valuation Received - XX/XX/XX | 06/01/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase |  | D | B | A | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX and XXXXX 1040's and business returns. |  |  |  | Reviewer Comment (2022-06-29): Client elects to waive.<br>Reviewer Comment (2022-06-23): XX/XX/XX / Client to Review<br>Seller Comment (2022-06-22): 1040tax extension<br>Seller Comment (2022-06-22): uploading the tax extension |  |  | 06/29/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX and XXXXX 1040's and business returns. |  |  |  | Reviewer Comment (2022-06-29): Client elects to waive.<br>Reviewer Comment (2022-06-23): XX/XX/XX / Client to Review<br>Seller Comment (2022-06-22): 1040 extension<br>Seller Comment (2022-06-22): extension for XXXXX |  |  | 06/29/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  | The homeowner's insurance declarations page in the file verified an effective date of XX/XX/XX which is after the consummation date of XX/XX/XX. Provide a revised homeowner's insurance declaration page or policy verifying coverage in effect at or prior to consummation. |  |  |  | Reviewer Comment (2022-06-23): Received Updated HOI for subject property effective date is XX/XX/XX and Received Post Closing Disclosure Disbursement date is XX/XX/XX updated the details. Exception Cleared<br>Seller Comment (2022-06-22): uploading pccd<br>Seller Comment (2022-06-22): hoi<br>Seller Comment (2022-06-22): uploading the PCCD<br>Seller Comment (2022-06-22): The final PCCD has the funding date of XX/XX/XX and the hoi is dated for the XX/XX/XX the pccd should clear the condition. | 06/23/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for XXXXX. Fee Amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for XXXXX. Fee Amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2022-06-29): Sufficient Cure Provided At Closing |  | 06/29/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  | The homeowner's insurance declarations page in the file verified an effective date of XX/XX/XX. Provide a revised homeowner's insurance declaration page or policy verifying coverage in effect at or prior to consummation. |  |  |  | Reviewer Comment (2022-06-27): Received updated HOI policy with effective date covering the loan disbursement date. Exception cleared.<br>Seller Comment (2022-06-23): HOI policy with effective dates of XX/XX/XX-XX/XX/XX | 06/27/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | File missing mortgage statement, tax verification, and insurance verification for XXXXX. |  |  |  | Reviewer Comment (2022-06-08): Received document/Letter for HOA fees for Property XXXXX the monthly fee amount is $226.74 updated the details. Exception Cleared<br>Seller Comment (2022-06-07): XX/XX/XX - MJP: Please see attached HOA documentation for XXXXX.. June - Dec payment is $1,360.45 / 6 = $226.74<br>Reviewer Comment (2022-06-03): Received Tax Cert and Insurance document and associated. Mortgage Payment of $XXXX verified from Pay History document. $XXXX/month verified from the Tax Cert document. $XXXX for Insurance verified from the Hazard Insurance document. HOA of $XXXX. So, out of total expenses as per Final 1003 $XXXX, we are still left with $XXXX. Please provide documentation to support the balance amount. Exception remains.<br>Seller Comment (2022-06-01): XX/XX/XX - MJP: Please see attached HOI, Taxes, mortgage history, and connecting documents for REO located at XXXXX. | 06/08/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Second Home | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The business tax extension was not provided for XXXXX. |  |  |  | Reviewer Comment (2022-06-09): Client elects to waive.<br>Reviewer Comment (2022-06-09): Application date is XX/XX/XX with a note date of XX/XX/XX. Borrower has no income provided for XXXXX and last income verification is from XXXXX business returns which is 17 months with no S/E income verified. FNMA guides require either the XXXXX business returns (most recent) due to app date OR extension along with transcripts for XXXXX showing no results. Exception remains.<br>Seller Comment (2022-06-08): XX/XX/XX - MJP: Please reference DU guidance https://selling-guide.fanniemae.com/Selling-Guide/Origination-thru-Closing/Subpart-B1-Loan-Application-Package/Chapter-B1-1-Application-Package-Documentation/1032992211/B1-1-03-Allowable-Age-of-Credit-Documents-and-Federal-Income-Tax-Returns-XX/XX/XX.htm. Also see attached 4506 - C. Extension nor XXXXX returns are required due to application date.<br>Reviewer Comment (2022-06-08): XX/XX/XX: The personal tax return extension was provided, however, the business tax extension has not yet been provided to clear this exception.<br>Seller Comment (2022-06-07): XX/XX/XX - MJP: Please reference Fannie Mae guidance previously stated. No extension is required when application date is between XX/XX/XX, current year to XX/XX/XX, of current year.<br>Reviewer Comment (2022-06-03): XX/XX/XX: The business tax extension has not yet been provided for XXXXX.Exception remains.<br>Seller Comment (2022-06-01): XX/XX/XX - MJP: Please Note Fannie Mae Guidance B1-1-03, Allowable Age of Credit Documents and Federal Income Tax Returns (XX/XX/XX). Based off date, a fully executed 4506C is sufficient documentation to clear this condition, and we are okay to proceed with the previous year. |  |  | 06/09/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Second Home | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The business tax extension was not provided for XXXXX. |  |  |  | Reviewer Comment (2022-06-09): Client elects to waive.<br>Reviewer Comment (2022-06-09): Application date is XX/XX/XX with a note date of XX/XX/XX. Borrower has no income provided for XXXXX and last income verification is from XXXXX business returns which is 17 months with no S/E income verified. FNMA guides require either the XXXXX business returns (most recent) due to app date OR extension along with transcripts for XXXXX showing no results. Exception remains.<br>Seller Comment (2022-06-08): XX/XX/XX - MJP: Please reference DU guidance https://selling-guide.fanniemae.com/Selling-Guide/Origination-thru-Closing/Subpart-B1-Loan-Application-Package/Chapter-B1-1-Application-Package-Documentation/1032992211/B1-1-03-Allowable-Age-of-Credit-Documents-and-Federal-Income-Tax-Returns-XX/XX/XX.htm. Also see attached 4506 - C. Extension nor XXXXX returns are required due to application date.<br>Reviewer Comment (2022-06-08): XX/XX/XX: The personal tax return extension was provided, however, the business tax extension has not yet been provided to clear this exception.<br>Seller Comment (2022-06-07): DU<br>Seller Comment (2022-06-07): XX/XX/XX - MJP: Please reference Fannie Mae guidance previously stated. No extension is required when application date is between XX/XX/XX, current year to XX/XX/XX, of current year.<br>Reviewer Comment (2022-06-03): XX/XX/XX: The business tax extension has not yet been provided for XXXXX.Exception remains.<br>Seller Comment (2022-06-01): XX/XX/XX - MJP: Please Note Fannie Mae Guidance B1-1-03, Allowable Age of Credit Documents and Federal Income Tax Returns (XX/XX/XX). Based off date, a fully executed 4506C is sufficient documentation to clear this condition, and we are okay to proceed with the previous year. |  |  | 06/09/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Second Home | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The business tax extension was nor provided for XXXXX. |  |  |  | Reviewer Comment (2022-06-09): Client elects to waive.<br>Reviewer Comment (2022-06-09): Application date is XX/XX/XX with a note date of XX/XX/XX. Borrower has no income provided for XXXXX and last income verification is from XXXXX business returns which is 17 months with no S/E income verified. FNMA guides require either the XXXXX business returns (most recent) due to app date OR extension along with transcripts for XXXXX showing no results. Exception remains.<br>Seller Comment (2022-06-09): XX/XX/XX - MJP: Please reference DU guidance https://selling-guide.fanniemae.com/Selling-Guide/Origination-thru-Closing/Subpart-B1-Loan-Application-Package/Chapter-B1-1-Application-Package-Documentation/1032992211/B1-1-03-Allowable-Age-of-Credit-Documents-and-Federal-Income-Tax-Returns-XX/XX/XX.htm. Also see attached 4506 - C. Extension nor XXXXX returns are required due to application date.<br>Reviewer Comment (2022-06-08): XX/XX/XX: The personal tax return extension was provided, however, the business tax extension has not yet been provided to clear this exception.<br>Seller Comment (2022-06-07): XX/XX/XX - MJP: Please reference Fannie Mae guidance previously stated. No extension is required when application date is between XX/XX/XX, current year to XX/XX/XX, of current year.<br>Reviewer Comment (2022-06-03): XX/XX/XX: The business tax extension has not yet been provided for XXXXX.Exception remains.<br>Seller Comment (2022-06-01): XX/XX/XX - MJP:XXXXX/Schedule C is not being used as income to qualify, and does not require and further documentation.<br>Seller Comment (2022-06-01): XX/XX/XX - MJP: Please Note Fannie Mae Guidance B1-1-03, Allowable Age of Credit Documents and Federal Income Tax Returns (XX/XX/XX). Based off date, a fully executed 4506C is sufficient documentation to clear this condition, and we are okay to proceed with the previous year. |  |  | 06/09/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Second Home | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $42.00 exceeds tolerance of $34.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $42.00 exceeds tolerance of $34.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2022-06-29): Sufficient Cure Provided At Closing |  | 06/29/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $90.00 exceeds tolerance of $60.00 plus 10% or $66.00. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $90.00 exceeds tolerance of $60.00 plus 10% or $66.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2022-06-29): Sufficient Cure Provided At Closing |  | 06/29/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Documents | Missing Document | Documents | File does not contain documentation form lender/seller confirming the condo is warrantable. |  | File missing lender/seller documentation confirming the condo is warrantable |  |  |  | Reviewer Comment (2022-06-24): Received and associated provided document confirming seller warrants the subject condo meets seller's project eligibility requirements. Exception cleared.<br>Seller Comment (2022-06-22): Please have explain why this condo is not a warrantable condo? This meets the DU/LPA limited review/ is a warrantable condo based on the project. The form we use for our UW certification of this is for all loan types except government, Conventional includes Jumbo AUS loans and should be accepted as our certification of this project eligibility. Investor to explain what is not acceptable on this project and our review of.<br>Reviewer Comment (2022-06-20): Provided document is Conventional Underwriter Certification along with the Questionnaire. There is no where mentioned that the subject condo is warrantable. Please provide lender attestation document to verify the subject condo is warrantable. Exception remains.<br>Seller Comment (2022-06-16): Warrantable Condo Doc | 06/24/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Second Home | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $4,038.65 exceeds tolerance of $3,560.00. Insufficient or no cure was provided to the borrower. | Transfer Tax was last disclosed as $3,560.00 on LE but disclosed as $4,038.65on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $478.65, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-06-22): XXXXX received PCCD, LOE & Payment history.<br>Seller Comment (2022-06-21): updated PCCD and payment history to re-disclose and confirm that the cited cost has been cured with a principal reduction |  | 06/22/2022 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | XX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. |  |  |  |  | Reviewer Comment (2022-06-29): Client elects to waive.<br>Reviewer Comment (2022-06-29): Sent to Client for review<br>Seller Comment (2022-06-28): May I please have an update on this condition?<br>Reviewer Comment (2022-06-24): Client to review.<br>Seller Comment (2022-06-23): Tax extension |  |  | 06/29/2022 | 2 |  | B |  | B |  | B |  | B |  | B |  | XX | Second Home | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. |  |  |  |  | Reviewer Comment (2022-06-29): Client elects to waive.<br>Reviewer Comment (2022-06-29): Sent to Client for review<br>Seller Comment (2022-06-28): May I please have an update on this condition?<br>Reviewer Comment (2022-06-24): Client to review.<br>Seller Comment (2022-06-23): Tax Extensions |  |  | 06/29/2022 | 2 |  | B |  | B |  | B |  | B |  | B |  | XX | Second Home | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The business or personal tax returns provided are not the most recent. Most Recent Tax Return End Date XX/XX/XX Tax Return Due Date XX/XX/XX.<br> Provide most recent Tax return. |  |  |  | Reviewer Comment (2022-06-02): Client elects to waive.<br>Reviewer Comment (2022-06-01): GS to review.<br>Seller Comment (2022-05-31): rate lock<br>Seller Comment (2022-05-31): gs tax extension XXXXX |  |  | 06/02/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Rate lock date could not be confirmed, document not provided. |  |  |  | Reviewer Comment (2022-06-01): Rate lock document is received and rate lock date updated. Exception Cleared.<br>Seller Comment (2022-05-31): rate lock | 06/01/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. |  | Supporting documentation to confirm rate lock was not provided. |  |  |  | Reviewer Comment (2022-06-01): Rate lock document is received and rate lock date updated. Exception Cleared.<br>Seller Comment (2022-05-31): audit history | 06/01/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-06-29): Received Desk Review Report dated XX/XX/XX from XXXXXwith XXXXX value of XXXXX and with variance of 0.00% , verified and associated the document, hence exception cleared. | 06/29/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Second Home | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX/ 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-06-29): Received Desk Review Report dated XX/XX/XX from XXXXXwith XXXXX value of XXXXX and with variance of 0.00% , verified and associated the document, hence exception cleared.<br>Reviewer Comment (2022-06-27): Valuation Received - XX/XX/XX | 06/29/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Second Home | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 is less than amount of binding Lender Credit previously disclosed in the amount of $-2,217.00. | Lender credit was last disclosed as -$2217on LE but disclosed as $0.00 on Final Closing Disclosure. File does not contain a valid COC for this fee. |  |  |  | Reviewer Comment (2022-08-04): SitusAMC received VCC.<br>Seller Comment (2022-08-02): CofC, LC, CD<br>Seller Comment (2022-08-02): Please see the attached CofC, Lock confirmation, and Revised CD. The borrower requested a reduction in the loan amount, which changed the pricing of the loan. This was disclosed to and executed by the borrower on XX/XX/XX. | 08/04/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $42.95 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Verification Of Employment Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $42.95, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-06-14): XXXXX upon further review received valid COC hence no further action required.<br>Seller Comment (2022-06-13): CS XX/XX/XX On XX/XX/XX there was a COC submitted to add a VOE fee due to the borrower's employer requiring a 3rd party VOE company to be used, and the broker was not aware there would be a cost associated with the service. The invoice was dated XX/XX/XX and it was disclosed on a LE on XX/XX/XX (rounded to $43 since the fee was $42.95). Please see attached COC, Invoice, and LE. | 06/14/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX OR XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-06-14): Client elects to waive. |  |  | 06/14/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX OR XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-06-21): Client elects to waive. |  |  | 06/21/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-06-03): Received Desk Review Report dated XX/XX/XX from XXXXXwith XXXXX value of XXXXX and with variance of 0.00% , verified and associated the document, hence exception cleared. | 06/03/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Second Home | Purchase |  | D | B | A | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Evidence of earlier borrower receipt of Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing was not found in file. |  |  |  | Reviewer Comment (2022-06-09): Client elects to waive.<br>Reviewer Comment (2022-06-02): Client to review.<br>Seller Comment (2022-06-01): Flood<br> TRID<br>Seller Comment (2022-06-01): Please see the attached Flood Disclosure and TRID History showing proof of delivery |  |  | 06/09/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Second Home | Purchase |  | D | B | A | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $XXXX on page 4. Final CD reflects Estimated Taxes, Insurance & Assessments of $XXXX monthly, correct amount is $XXXX. Provide a post-close CD correcting the Escrow Account section on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-06-06): XXXXX received document stating the correct amount which is also matching with Final CD.<br>Seller Comment (2022-06-03): XXXXX XX/XX/XX CW - Please rescind. Property Taxes: $XXXX x 12 = $XXXX \|\|\| HOI: XXXX x 12 = $XXXX \|\|\| $XXXX + $XXXX = $XXXX listed on page 4. | 06/06/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure | D | B | A | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX/ 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-06-03): Received Desk Review Report dated XX/XX/XX from XXXXXwith XXXXX value of XXXXX and with variance of 0.00% , verified and associated the document, hence exception cleared.<br>Reviewer Comment (2022-06-02): Valuation Received - XX/XX/XX | 06/03/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Second Home | Purchase |  | D | B | A | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Verified liquid assets in the amount of XXXXX are insufficient to meet cash to close of XXXXX. Final 1008 reflects XXXXX verified, however, the borrowers XXXXX savings account XXXXX reflected two unsourced large deposits in the amount of XXXXX on XX/XX/XX and XXXXX on XX/XX/XX. |  |  |  | Reviewer Comment (2022-06-27): The Closing Statement reflects the proceeds going into trust and then being disbursed to Borrower.<br>Seller Comment (2022-06-23): Attaching documents<br>Seller Comment (2022-06-23): XX/XX/XX AMB: Please see the supporting document to show the source of funds for the large deposits. Our borrower was a trustee of his mother's trust, and therefore had access to the funds in the trust account. Trust agreement was provided in the original file. | 06/27/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Second Home | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-06-23): Received and associated XXXXXDesk Review dated XX/XX/XX with a value of XXXXX, which gives 0.00% variance from the Appraised value. Exception cleared. | 06/23/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX / 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-06-23): Received and associated XXXXXDesk Review dated XX/XX/XX with a value of XXXXX, which gives 0.00% variance from the Appraised value. Exception cleared.<br>Reviewer Comment (2022-06-21): Valuation Received - XX/XX/XX | 06/23/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $1,190.75 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Survey Fee last disclosed as 0.00 LE but disclosed as $1,190.75 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-06-20): Sufficient Cure Provided At Closing |  | 06/20/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $93.85 exceeds tolerance of $55.00. Sufficient or excess cure was provided to the borrower at Closing. | credit Report Fee last disclosed as 55.00 LE but disclosed as $93.85 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-06-20): Sufficient Cure Provided At Closing |  | 06/20/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation report required for securitization purposes. |  |  |  | Reviewer Comment (2022-07-11): XXXXX received, Details verified Exception cleared. | 07/11/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Second Home | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX/ 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-07-11): XXXXX received, Details verified Exception cleared.<br>Reviewer Comment (2022-07-08): Valuation Received - XX/XX/XX | 07/11/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Second Home | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 is less than amount of binding Lender Credit previously disclosed in the amount of $-247.04. | Lender Credit was last disclosed as $-247.04 on LE but disclosed as $0 on Final Closing Disclosure. Provide a post-close CD disclosing the tolerance cure to include $247.04, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-07-15): Upon further review lender credit correctly disclosed to consumer.<br>Seller Comment (2022-07-13): Lock, CofC, CD, TRID<br>Seller Comment (2022-07-13): Disagree: The lock needed to be extended 17 days to XX/XX/XX. This increased pricing of the loan removing lender credits and adding discount points. This was disclosed to the borrower on the revised CD XX/XX/XX. TRID History shows proof of delivery and receipt. Lock, CofC, Revised CD, and TRID History attached. | 07/15/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $3,033.96 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Loan Discount Points was not disclosed on LE but disclosed on Final Closing Disclosure as $3,033.96. Provide a post-close CD disclosing the tolerance cure to include $3,033.96, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-07-14): XXXXX received CD and COC dated XX/XX/XX therefore no cure required.<br>Seller Comment (2022-07-13): LC, CD, CofC, TRID<br>Seller Comment (2022-07-13): Disagree: The lock needed to be extended 17 days to XX/XX/XX. This increased pricing of the loan removing lender credits and adding discount points. This was disclosed to the borrower on the revised CD XX/XX/XX. TRID History shows proof of delivery and receipt. Lock, CofC, Revised CD, and TRID History attached. | 07/14/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Missing Document | General | Missing Document | Incomplete Document: Closing Disclosure is incomplete |  | Final CD is missing page 3. |  |  |  | Reviewer Comment (2022-06-24): CD with Page 3 provided - exception cleared<br>Seller Comment (2022-06-23): CD<br>Seller Comment (2022-06-23): Please seethe attached unexecuted Final CD. Please note the highlighted at the bottom of page 3, that this is the verified same version as the Final CD executed by the borrowers. | 06/24/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-06-23): Received Title Commitment dated XX/XX/XX with policy amount of XXXXX updated the details. Exception Cleared<br>Seller Comment (2022-06-22): XX/XX/XX RF see attached please clear thank you | 06/23/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-06-29): Received Desk Review Report dated XX/XX/XX from XXXXXwith XXXXX value of XXXXX and with variance of 0.00% , verified and associated the document, hence exception cleared. | 06/29/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Miscellaneous Compliance | Compliance | TRID Error: Cash at settlement from or to borrower is blank. |  | Both Final Closing Disclosures are missing page 3. |  |  |  | Reviewer Comment (2022-06-24): CD with Page 3 provided - exception cleared<br>Seller Comment (2022-06-23): CD<br>Seller Comment (2022-06-23): Please seethe attached unexecuted Final CD. Please note the highlighted at the bottom of page 3, that this is the verified same version as the Final CD executed by the borrowers. | 06/24/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX / 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-06-29): Received Desk Review Report dated XX/XX/XX from XXXXXwith XXXXX value of XXXXX and with variance of 0.00% , verified and associated the document, hence exception cleared.<br>Reviewer Comment (2022-06-28): Valuation Received - XX/XX/XX | 06/29/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-07-12): Client elects to waive |  |  | 07/12/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | D | B | B | B | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-07-13): CDA report received & associated. Exception cleared. | 07/13/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Primary | Purchase |  | D | B | B | B | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $855.00 exceeds tolerance of $800.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-07-06): Sufficient Cure Provided At Closing |  | 07/06/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | D | B | B | B | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / 2 days - CDA - No MLS Sheets |  |  |  | Reviewer Comment (2022-07-13): CDA report received & associated. Exception cleared.<br>Reviewer Comment (2022-07-12): Valuation Received - XX/XX/XX | 07/13/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase |  | D | B | B | B | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $962.50 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-06-30): Sufficient Cure Provided At Closing |  | 06/30/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation report required for securitization purpose. |  |  |  | Reviewer Comment (2022-06-23): Received XXXXX Reviewed for subject property secondary valuation updated the details. Exception Cleared | 06/23/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX / 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-06-23): Received XXXXX Reviewed for subject property secondary valuation updated the details. Exception Cleared<br>Reviewer Comment (2022-06-21): Valuation Received - XX/XX/XX | 06/23/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. |  | No policy amount mentioned on prelim policy |  |  |  | Reviewer Comment (2022-08-04): Received and associated Final Title Policy with Policy Amount $XXXX. Exception cleared.<br>Seller Comment (2022-08-02): XX/XX/XX TC please see attached document. | 08/04/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | D | A | C | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2022-08-04): Received and associated Final Title Policy with Policy Amount $XXXX. Exception cleared. | 08/04/2022 |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase |  | D | A | C | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-08-04): Received and associated Clear Capital Desk Review dated XX/XX/XX with a value of $XXXX, which gives 0.00% variance from the Appraised value. Exception cleared. | 08/04/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Primary | Purchase |  | D | A | C | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $2,000.00 exceeds tolerance of $1,995.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $1995.00 on LE but disclosed as $2000 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-07-29): Sufficient Cure Provided At Closing |  | 07/29/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | D | A | C | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $85.57 exceeds tolerance of $55.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $55 on LE but disclosed as $85 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-07-29): Sufficient Cure Provided At Closing |  | 07/29/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | D | A | C | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / 2 days - CDA - No MLS Sheets |  |  |  | Reviewer Comment (2022-08-04): Received and associated Clear Capital Desk Review dated XX/XX/XX with a value of $XXXX, which gives 0.00% variance from the Appraised value. Exception cleared.<br>Reviewer Comment (2022-08-02): Valuation Received - XX/XX/XX | 08/04/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase |  | D | A | C | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-06-28): Received supplement title report verifying the amount insured. Exception cleared.<br>Seller Comment (2022-06-27): XX/XX/XX RF see attached please clear thank you | 06/28/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Purchase |  | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-06-23): Received CDA Reviewed for subject property secondary valuation updated the details. Exception Cleared | 06/23/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / 2 days - CDA - No MLS Sheets |  |  |  | Reviewer Comment (2022-06-23): Received CDA Reviewed for subject property secondary valuation updated the details. Exception Cleared<br>Reviewer Comment (2022-06-21): Valuation Received - XX/XX/XX | 06/23/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $51.75 exceeds tolerance of $50.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $50.00 on LE but disclosed as $51.75 on Final Closing Disclosure. File does not contain a valid COC for this fee, evidence of cure in file. |  |  |  | Reviewer Comment (2022-06-06): Sufficient Cure Provided At Closing |  | 06/06/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-06-22): Received XXXXX Reviewed for subject property secondary valuation updated the details. Exception Cleared | 06/22/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Second Home | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX / 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-06-22): Received XXXXX Reviewed for subject property secondary valuation updated the details. Exception Cleared<br>Reviewer Comment (2022-06-21): Valuation Received - XX/XX/XX | 06/22/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Second Home | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation report required for securitization purpose. |  |  |  | Reviewer Comment (2022-06-23): Received and associated Clear Capital Desk Review dated XX/XX/XX with a value of $XXXX which gives 0.00% variance from the Appraised value. Exception cleared. | 06/23/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Primary | Purchase |  | D | B | A | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | The final CD disclosed the Amount of Total Property Costs over Year 1 as $XXXX on page 4; however the annual taxes total are $XXXX per year. Final CD reflects Estimated Taxes, Insurance & Assessments of $XXXX monthly, correct amount is $XXXX. Provide a post-close CD correcting on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-06-29): Client elects to waive. |  |  | 06/29/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | D | B | A | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / 2 days - CDA - No MLS Sheets |  |  |  | Reviewer Comment (2022-06-23): Received and associated Clear Capital Desk Review dated XX/XX/XX with a value of $XXXX which gives 0.00% variance from the Appraised value. Exception cleared.<br>Reviewer Comment (2022-06-21): Valuation Received - XX/XX/XX | 06/23/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase |  | D | B | A | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The file is missing a copy of the final title policy. |  |  |  | Reviewer Comment (2022-07-05): Client elects to waive. |  |  | 07/05/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2022-06-27): Received Final Title Policy with sufficient policy amount. Exception cleared. | 06/27/2022 |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase |  | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $745.00 exceeds tolerance of $650.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $745.00 exceeds tolerance of $650.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2022-06-21): Sufficient Cure Provided At Closing |  | 06/21/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-06-27): Received Final Title Policy with sufficient policy amount. Exception cleared.<br>Seller Comment (2022-06-24): Uploaded FTP | 06/27/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Purchase |  | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-06-23): Received and associated XXXXXDesk Review dated XX/XX/XX with a value of XXXXX, which gives 0.00% variance from the Appraised value. Exception cleared. | 06/23/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Primary | Purchase |  | D | B | B | B | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Commitment title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the Commitment report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-06-21): Client elects to waive. |  |  | 06/21/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | D | B | B | B | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $975.00 exceeds tolerance of $825.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-06-13): Sufficient Cure Provided At Closing |  | 06/13/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | D | B | B | B | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $111.00 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-06-13): Sufficient Cure Provided At Closing |  | 06/13/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | D | B | B | B | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX / 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-06-23): Received and associated XXXXXDesk Review dated XX/XX/XX with a value of XXXXX, which gives 0.00% variance from the Appraised value. Exception cleared.<br>Reviewer Comment (2022-06-21): Valuation Received - XX/XX/XX | 06/23/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase |  | D | B | B | B | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title policy is within CA or NV and does not reflect a coverage amount. |  |  |  | Reviewer Comment (2022-08-16): Client elects to waive. |  |  | 08/16/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | The DTI of XXXX% exceeds the QM maximum of 45.00% The difference is due to Student loan Liabilities which were excluded in qualifying by the AUS but there are no supporting Exclusion documents in the file. |  |  |  | Reviewer Comment (2022-08-11): Received and associated document reflecting Consolidation of Loans into 2 groups - one of 9 and another of 16. DTI is now XXXX which is within max 45.00%. Exception cleared.<br>Seller Comment (2022-08-10): XX/XX/XX KM: The student loans were consolidated by XXXXX into two groups, one of 9, and another of 16. Please see the attached document to show what loans are included in which group and the payment for each group. These payments were included in qualification. | 08/11/2022 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs don't match and both significantly exceed Guidelines | General QM: The DTIs calculated in accordance with the Lenders Guidelines of XXXX% and based on 1026.43(e) of XXXX% significantly exceed the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | The DTI of XXXX% exceeds the QM maximum of 45.00% The difference is due to Student loan Liabilities which were excluded in qualifying by the AUS but there are no supporting Exclusion documents in the file. |  |  |  | Reviewer Comment (2022-08-11): Received and associated document reflecting Consolidation of Loans into 2 groups - one of 9 and another of 16. DTI is now XXXX which is within max 45.00%. Exception cleared.<br>Seller Comment (2022-08-10): XX/XX/XX KM: The student loans were consolidated by XXXXX into two groups, one of 9, and another of 16. Please see the attached document to show what loans are included in which group and the payment for each group. These payments were included in qualification. | 08/11/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,504.25 exceeds tolerance of $1,490.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-08-05): Sufficient Cure Provided At Closing |  | 08/05/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | The DTI of XXXX% exceeds the QM maximum of 45.00% The difference is due to Student loan Liabilities which were excluded in qualifying by the AUS but there are no supporting Exclusion documents in the file. |  |  |  | Reviewer Comment (2022-08-11): Received and associated document reflecting Consolidation of Loans into 2 groups - one of 9 and another of 16. DTI is now XXXX which is within max 45.00%. Exception cleared.<br>Seller Comment (2022-08-10): XX/XX/XX KM: The student loans were consolidated by XXXXX into two groups, one of 9, and another of 16. Please see the attached document to show what loans are included in which group and the payment for each group. These payments were included in qualification. | 08/11/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | The DTI of XXXX% exceeds the QM maximum of 45.00% The difference is due to Student loan Liabilities which were excluded in qualifying by the AUS but there are no supporting Exclusion documents in the file. |  |  |  | Reviewer Comment (2022-08-11): Received and associated document reflecting Consolidation of Loans into 2 groups - one of 9 and another of 16. DTI is now XXXX which is within max 45.00%. Exception cleared.<br>Seller Comment (2022-08-10): XX/XX/XX KM: The student loans were consolidated by XXXXX into two groups, one of 9, and another of 16. Please see the attached document to show what loans are included in which group and the payment for each group. These payments were included in qualification. | 08/11/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $171.45 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as 100.00. on LE but disclosed as $171.45 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-06-30): Sufficient Cure Provided At Closing |  | 06/30/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | The final CD disclosed the Amount of Total Property Costs over Year 1 as $XXXX on page 4; however the annual taxes ($XXXX) and homeowners insurance ($XXXX) total are $XXXX per year. Provide a post-close CD correcting on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made |  |  |  | Reviewer Comment (2022-06-28): SitusAMC Received a tax certificate showing the taxes are calculated @1.03087%. Calculation is matching with the Docs. Exception cleared.<br>Seller Comment (2022-06-27): AMC XX/XX/XX CW - Please rescind. Annual property taxes were calculated using the county's true millage rate, plus special assessments, to get a total of $XXXX. $XXXX x 0.0103087 = $XXXX + $7.70 + $XXXX + $XXXX = $XXXX. Please see attached tax bill to confirm. | 06/28/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-06-17): Received and associated Clear Capital Desk Review dated XX/XX/XX with a value of $XXXX, which gives 0.00% variance from the Appraised value. Exception cleared. | 06/17/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Second Home | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / 2 days - CDA - No MLS Sheets |  |  |  | Reviewer Comment (2022-06-17): Received and associated Clear Capital Desk Review dated XX/XX/XX with a value of $XXXX, which gives 0.00% variance from the Appraised value. Exception cleared.<br>Reviewer Comment (2022-06-15): Valuation Received - XX/XX/XX | 06/17/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Second Home | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-06-23): Received CDA Reviewed for subject property secondary valuation updated the details. Exception Cleared | 06/23/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / 2 days - CDA - No MLS Sheets |  |  |  | Reviewer Comment (2022-06-23): Received CDA Reviewed for subject property secondary valuation updated the details. Exception Cleared<br>Reviewer Comment (2022-06-21): Valuation Received - XX/XX/XX | 06/23/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-07-05): Client elects to waive. |  |  | 07/05/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The tax extension and full P&L for the year XXXXX were provided. |  |  |  | Reviewer Comment (2022-07-07): Client elects to waive.<br>Reviewer Comment (2022-07-07): Client to review. XXXXX business and personal extensions provided.<br>Seller Comment (2022-07-06): XX/XX/XX - MJP: Please see attached 7004, 4868, and 4506C. Per guidance this is sufficient documentation instead of XXXXX returns. B1-1-03, Allowable Age of Credit Documents and Federal Income Tax Returns (XX/XX/XX) |  |  | 07/07/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $84.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | $84.50 Credit Report Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $84.50, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-07-01): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2022-07-01): check, PCCD,LOE,FedEx<br>Seller Comment (2022-07-01): See attached check, PCCD, LOE, FedEx |  | 07/01/2022 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $895.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Processing Fee was last disclosed as $895.00 on LE but disclosed as $895.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $895.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-07-01): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2022-07-01): check, PCCD, LOE, FedEx<br>Seller Comment (2022-07-01): See attached check, PCCD, LOE, and FedEx label |  | 07/01/2022 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-06-28): Client elects to waive. |  |  | 06/28/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $175.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-07-08): Sufficient Cure Provided At Closing |  | 07/08/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $110.57 exceeds tolerance of $60.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-07-08): Sufficient Cure Provided At Closing |  | 07/08/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-06-16): Received CDA Reviewed for subject property secondary valuation updated the details. Exception Cleared | 06/16/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / 2 days - CDA - No MLS Sheets |  |  |  | Reviewer Comment (2022-06-16): Received CDA Reviewed for subject property secondary valuation updated the details. Exception Cleared<br>Reviewer Comment (2022-06-15): Valuation Received - XX/XX/XX | 06/16/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $62.00 exceeds tolerance of $54.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fees, cure provided at closing. |  |  |  | Reviewer Comment (2022-06-14): Sufficient Cure Provided At Closing |  | 06/14/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $109.90 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Employment Fee points was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $109.90, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-06-14): XXXXX received sufficient cure at closing.<br>Seller Comment (2022-06-13): CS XX/XX/XX Please see attached Final Closing Disclosure that shows a credit was given to the borrower at closing in the form of a tolerance in the amount of $109.90 in section J on the Closing Disclosure for the increase in VOE fee from $0 to $109.90. | 06/14/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $109.90 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | XXXXX received sufficient cure at closing. |  |  |  | Reviewer Comment (2022-06-14): Sufficient Cure Provided At Closing |  | 06/14/2022 |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for XXXXX. Fee Amount of $90.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | No valid change circumstance provided. |  |  |  | Reviewer Comment (2022-06-29): Sufficient Cure Provided At Closing |  | 06/29/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-06-16): Received and associated Clear Capital Desk Review dated XX/XX/XX with a value of $XXXX, which gives 0.00% variance from the Appraised value. Exception cleared. | 06/16/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / 2 days - CDA - No MLS Sheets |  |  |  | Reviewer Comment (2022-06-16): Received and associated Clear Capital Desk Review dated XX/XX/XX with a value of $XXXX, which gives 0.00% variance from the Appraised value. Exception cleared.<br>Reviewer Comment (2022-06-15): Valuation Received - XX/XX/XX | 06/16/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | AUS was not provided in the file |  |  |  | Reviewer Comment (2022-06-23): Received and associated AUS. Exception cleared.<br>Seller Comment (2022-06-21): XX/XX/XX TC please see attached document. | 06/23/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-07-01): Final title policy received, verified and associated the document hence exception cleared.<br>Seller Comment (2022-06-30): Uploaded FTP | 07/01/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Purchase |  | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2022-07-01): Final title policy received, verified and associated the document hence exception cleared. | 07/01/2022 |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase |  | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Data Integrity | Property - Appraisal | Appraiser's license or certification was not active at the time of the appraisal. |  | Appraisal report reflects the appraisers license expired XX/XX/XX. |  |  |  | Reviewer Comment (2022-07-06): Documentation provided. Exception cleared.<br>Seller Comment (2022-07-01): XX/XX/XX AMB: Please rescind. Please see the attached document showing page 37 of the appraisal provided in the original file. This page shows the borrower's renewed license with an updated expiration date of XX/XX/XX. The certification number on the renewed license matches the number listed on page 8 of the appraisal where the appraiser signed. | 07/06/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | A | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-07-05): Client elects to waive. |  |  | 07/05/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Refinance - Rate/Term |  | D | B | B | B | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX 1040's and business returns. |  |  |  | Reviewer Comment (2022-07-07): Client elects to waive.<br>Reviewer Comment (2022-07-06): Client to review.<br>Seller Comment (2022-07-05): AMC XX/XX/XX CW - Based on the XX/XX/XX application date and the disbursement date of XX/XX/XX The most recent year's tax return is recommended; however, the previous year(s) is also acceptable. In the event the most recent year's tax return is not obtained, the lender must obtain a copy of IRS Form 4868 filed with the IRS and obtain a response from the IRS from the filing of 4506C confirming that no transcripts are available for the applicable tax year. Please see attached to confirm documentation is sufficient according to FNMA B1-1-03.<br>Reviewer Comment (2022-07-01): Client to review. |  |  | 07/07/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Refinance - Rate/Term |  | D | B | B | B | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX 1040's and business returns. |  |  |  | Reviewer Comment (2022-07-07): Client elects to waive.<br>Reviewer Comment (2022-07-06): Client to review.<br>Seller Comment (2022-07-05): AMC XX/XX/XX CW - Based on the XX/XX/XX application date and the disbursement date of XX/XX/XX The most recent year's tax return is recommended; however, the previous year(s) is also acceptable. In the event the most recent year's tax return is not obtained, the lender must obtain a copy of IRS Form 4868 filed with the IRS and obtain a response from the IRS from the filing of 4506C confirming that no transcripts are available for the applicable tax year. Please see attached to confirm documentation is sufficient according to FNMA B1-1-03.<br>Reviewer Comment (2022-07-01): Client to review. |  |  | 07/07/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Refinance - Rate/Term |  | D | B | B | B | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $XXXX on page 4; however the HOA dues total $XXXX per year Tax $XXXX HOI $XXXX. Final CD reflects Estimated Taxes, Insurance & Assessments of $XXXX monthly, correct amount is $XXXX. Provide a post-close CD correcting the Escrow Account section on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-07-07): Client elects to waive. |  |  | 07/07/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | D | B | B | B | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-07-08): Received Desk Review Report dated XX/XX/XX from Clear Capital with CDA value of $XXXX and with variance of -4.9% , verified and associated the document, hence exception cleared. | 07/08/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Primary | Refinance - Rate/Term |  | D | B | B | B | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / 2 days - CDA - No MLS Sheets |  |  |  | Reviewer Comment (2022-07-08): Received Desk Review Report dated XX/XX/XX from Clear Capital with CDA value of $XXXX and with variance of -4.9% , verified and associated the document, hence exception cleared.<br>Reviewer Comment (2022-07-07): Valuation Received - XX/XX/XX | 07/08/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Refinance - Rate/Term |  | D | B | B | B | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Total Property Costs Year 1 - October XXXXX Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | The final CD disclosed the Amount of Total Property Costs over Year 1 as $XXXX on page 4; however the annual taxes ($XXXX), homeowners insurance ($XXXX), and HOA dues ($XXXX) total are $XXXX per year. Final CD reflects Estimated Taxes, Insurance & Assessments of $XXXX monthly, correct amount is $XXXX. Provide a post-close CD correcting on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-07-27): Client elects to waive.<br>Seller Comment (2022-07-26): (XXXXX) Corrected PC CD and LOE are attached. |  |  | 07/27/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | State Compliance | Misc. State Level | Virginia Mortgage Lender and Broker Act (Dual Agency Compensation Without Notice) | XXXXX Mortgage Lender and Broker Act: Mortgage broker also acting as agent has received compensation from the borrower without providing a written agreement to the borrower. | File is missing a copy of the State Broker Notice. |  |  |  | Reviewer Comment (2022-07-15): Received and associated Broker Agreement. Exception cleared.<br>Seller Comment (2022-07-14): Origination Package<br>Seller Comment (2022-07-14): Please see pg.36 attached Signed Origination Package that includes the Mortgage Broker Agreement. | 07/15/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Purchase |  | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $99.34 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure was provided |  |  |  | Reviewer Comment (2022-06-22): Sufficient Cure Provided At Closing |  | 06/22/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX and XXXXX 1040's and business returns. |  |  |  | Reviewer Comment (2022-06-29): Client elects to waive.<br>Reviewer Comment (2022-06-24): Client to review.<br>Seller Comment (2022-06-22): XX/XX/XX - MJP: 4506C<br>Seller Comment (2022-06-22): XX/XX/XX - MJP: Please see attached 7004 and 4868 for XXXXX extension. |  |  | 06/29/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Second Home | Purchase |  | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,200.00 exceeds tolerance of $1,000.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,200.00 exceeds tolerance of $1,000.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2022-06-17): Sufficient Cure Provided At Closing |  | 06/17/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Second Home | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $35.50 exceeds tolerance of $35.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $35.50 exceeds tolerance of $35.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2022-06-17): Sufficient Cure Provided At Closing |  | 06/17/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Second Home | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX and XXXXX 1040's. |  |  |  | Reviewer Comment (2022-06-29): Client elects to waive.<br>Reviewer Comment (2022-06-24): Client to review.<br>Seller Comment (2022-06-22): XX/XX/XX - MJP: Please note that this is not considered income, and we only need the most recent 1040's to use the negative amount to deduct from our total income. Please see attached 4868 and 4506C, confirming that we are all set. |  |  | 06/29/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Second Home | Purchase |  | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX and XXXXX 1040's. |  |  |  | Reviewer Comment (2022-06-29): Client elects to waive.<br>Reviewer Comment (2022-06-24): Client to review.<br>Seller Comment (2022-06-22): XX/XX/XX - MJP: Please note that this is not considered income, and we only need the most recent 1040's to use the negative amount to deduct from our total income. Please see attached 4868 and 4506C, confirming that we are all set. |  |  | 06/29/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Second Home | Purchase |  | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation report required for securitization purposes. |  |  |  | Reviewer Comment (2022-07-22): Received XXXXX Reviewed for subject property secondary valuation updated the details. Exception Cleared | 07/22/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Primary | Refinance - Rate/Term |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX/ 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-07-22): Received XXXXX Reviewed for subject property secondary valuation updated the details. Exception Cleared<br>Reviewer Comment (2022-07-21): Valuation Received - XX/XX/XX | 07/22/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Refinance - Rate/Term |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. XXXXX personal transcript and XXXXX business extension were provided. |  |  |  | Reviewer Comment (2022-07-07): Client elects to waive. |  |  | 07/07/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The mortgage statement is missing for XXXXX. |  |  |  | Reviewer Comment (2022-07-05): Received credit supplemental report to verify the the PITI of the said REO, verified and associated the document hence exception cleared.<br>Seller Comment (2022-07-01): credit supp and tax and insurance | 07/05/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-06-21): Received Final Title Policy dated XX/XX/XX with Policy amount of $XXXX updated the details. Exception Cleared<br>Seller Comment (2022-06-20): Uploaded FTP | 06/21/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Purchase |  | C | A | B | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2022-06-21): Received Final Title Policy dated XX/XX/XX with Policy amount of $XXXX updated the details. Exception Cleared | 06/21/2022 |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase |  | C | A | B | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $26,808.37 exceeds tolerance of $25,863.97. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was last disclosed as $25,863.97 on LE but disclosed as $26,808.37 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $944.40, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-06-21): SitusAMC received rate lock showing lock extended.<br>Seller Comment (2022-06-20): CS XX/XX/XX On XX/XX/XX there was a 3 day lock extension that changed pricing from $XXXX to $XXXX, which was disclosed on a CD on XX/XX/XX. Please see attached lock screenshots and CD. | 06/21/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | B | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 is less than amount of binding Lender Credit previously disclosed in the amount of $-3,683.00. | Final Lender Credit of $-0.00 is less than amount of binding Lender Credit previously disclosed in the amount of $-3683.00 on the LE dated XX/XX/XX. COC for Appraised Value dated XX/XX/XX did not specify the removal of the Lender Credit. |  |  |  | Reviewer Comment (2022-06-22): SitusAMC received Valid Changed circumstance with additional information.<br>Seller Comment (2022-06-20): CS XX/XX/XX The loan locked with pricing at -$XXXX and was reflected on the CD dated XX/XX/XX. Then on XX/XX/XX there was a COC to change the program, rate, and loan amount that impacted pricing to be a charge of $XXXX, which was disclosed on a CD on XX/XX/XX. Please see attached. | 06/22/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | B | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $398.00 exceeds tolerance of $361.00 plus 10% or $397.10. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded by $37.00 due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $37.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-07-07): SitusAMC received valid changed circumstance. Sufficient cure at closing | 07/07/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation report that is required for securitization purposes. |  |  |  | Reviewer Comment (2022-07-08): Received CDA Reviewed for subject property secondary valuation updated the details. Exception Cleared | 07/08/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Primary | Purchase |  | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-8,132.40 is less than amount of binding Lender Credit previously disclosed in the amount of $-8,500.80. | Lender credit disclosed on final closing disclosure of -$8,132.40 is less than earlier disclosed amount of $8,501.00. Itemization of amount financed not found in file. |  |  |  | Reviewer Comment (2022-07-07): SitusAMC received valid changed circumstance.<br>Seller Comment (2022-07-05): Please see the attached CofC, Lock Confirmation and Revised CD. The loan amount was reduced, reducing the lender credits proportionately. This was disclosed to and executed by the borrower on XX/XX/XX.<br>Seller Comment (2022-07-05): CofC Lock CD | 07/07/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / 2 days - CDA - No MLS Sheets |  |  |  | Reviewer Comment (2022-07-08): Received CDA Reviewed for subject property secondary valuation updated the details. Exception Cleared<br>Reviewer Comment (2022-07-07): Valuation Received - XX/XX/XX | 07/08/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase |  | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $398.00 exceeds tolerance of $361.00 plus 10% or $397.10. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure at closing |  |  |  | Reviewer Comment (2022-07-07): Sufficient Cure Provided At Closing |  | 07/07/2022 |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase | Final CD evidences Cure | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX and XXXXX 1040's and business returns. |  |  |  | Reviewer Comment (2022-07-13): Client elects to waive.<br>Reviewer Comment (2022-07-11): Client to review.<br>Seller Comment (2022-07-08): XXXXX XX/XX/XX CW - Please rescind. Based on the borrower's application date of XX/XX/XX and disbursement date of XX/XX/XX; The most recent year's tax return is recommended; however, the previous year(s) is also acceptable. In the event the most recent year's tax return is not obtained, the loan file must include a completed and signed IRS Form 4506-C for transcripts of tax returns provided by the borrower to the lender, per B1-1-03 regarding the documentation requirements for tax returns. |  |  | 07/13/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Refinance - Cash-out - Other |  | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $263,000 Provide updated policy reflecting minimum coverage of XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2022-07-05): Received Replacement cost estimator, verified and associated the document hence exception cleared.<br>Seller Comment (2022-06-30): XXXXX XX/XX/XX CW - Please rescind. Please see attached documenting replacement cost.Unable to lawfully provide RCE due to state legislation in FL (626.9551). | 07/05/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Second Home | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX personal return. |  |  |  | Reviewer Comment (2022-07-13): Client elects to waive.<br>Reviewer Comment (2022-07-11): Client to review.<br>Seller Comment (2022-07-07): XX/XX/XX - MJP: Please see 7004, 4868, and 4506C Per DU guidance, this is sufficient documentation to clear condition. B1-1-03, Allowable Age of Credit Documents and Federal Income Tax Returns (XX/XX/XX) |  |  | 07/13/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-06-29): Received Desk Review Report dated XX/XX/XX from XXXXXwith XXXXX value of XXXXX and with variance of -4.77.00% , verified and associated the document, hence exception cleared. | 06/29/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Primary | Purchase |  | D | B | A | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-5,901.58 is less than amount of binding Lender Credit previously disclosed in the amount of $-5,902.08. | 10% tolerance was exceeded by $0.50 due to change in lender credit fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $0.50, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-06-28): Final CD reflects $0,50 cure on lender credit violation.<br>Seller Comment (2022-06-24): CD<br>Seller Comment (2022-06-24): Disagree: Final Lender Credit is $5902.58. Please see the attached Final CD. | 06/28/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | A | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX / 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-06-29): Received Desk Review Report dated XX/XX/XX from XXXXXwith XXXXX value of XXXXX and with variance of -4.77.00% , verified and associated the document, hence exception cleared.<br>Reviewer Comment (2022-06-28): Valuation Received - XX/XX/XX | 06/29/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase |  | D | B | A | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Calculated DTI exceeds guidelines | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $XXXX. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2022-06-30): Client elects to downgrade/waive: downgrade & waive with compensating factors: Residual income $XXXX, Strong FICO XXXX, $XXXX/XXXX reserves |  |  | 06/30/2022 | 2 |  | B |  | B |  | B |  | B |  | B |  | XX | Primary | Purchase |  | D | B | A | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs don't match and both moderately exceed Guidelines | General QM: The DTIs calculated in accordance with the Lenders Guidelines of XXXX% and based on 1026.43(e) of XXXX% moderately exceed the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $XXXX. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2022-06-30): Client elects to downgrade and waive: then downgrade & waive with compensating factors: Residual income $XXXX, Strong FICO XXXX, $XXXX/XXXX reserves |  |  | 06/30/2022 | 2 |  | B |  | B |  | B |  | B |  | B |  | XX | Primary | Purchase |  | D | B | A | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Calculated DTI exceeds guidelines |  |  |  | Reviewer Comment (2022-06-30): Client elected to downgrade & waive with compensating factors: Residual income $XXXX, Strong FICO XXXX, $XXXX/XXXX reserves | 06/30/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status | D | B | A | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Documents | Missing Document | Documents | File does not contain documentation form lender/seller confirming the condo is warrantable. |  | Provide documentation showing the subject property Condominium is warrantable. |  |  |  | Reviewer Comment (2022-07-20): Received Lender Attestation confirming the condo is warrantable, verified and associated the document hence exception cleared.<br>Seller Comment (2022-07-19): XX/XX/XX KM: Please see the attached confirming the condo is warrantable. | 07/20/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-07-08): Received Desk Review Report dated XX/XX/XX from XXXXX with XXXXX value of XXXXX and with variance of 0.00% , verified and associated the document, hence exception cleared. | 07/08/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Primary | Purchase |  | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $915.00 exceeds tolerance of $900.00. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $900.00 on LE but disclosed as $915.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $15.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-07-15): XXXXX Received LOE for increase in Appraisal Fee therefore no cure required<br>Seller Comment (2022-07-14): LE, CofC, email from appraiser<br>Seller Comment (2022-07-14): The appraiser notified the Broker on XX/XX/XX that they have a set date to complete the appraisal which was the reason the appraisal fee increased. A CofC was submitted on XX/XX/XX and the increased appraisal fee was disclosed on the XX/XX/XX LE. See attached email from the appraiser, CofC, and LE | 07/15/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $6,020.00 exceeds tolerance of $5,075.00. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee was last disclosed as $5,075.00 on LE, but disclosed as $6,020.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $945.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-06-29): Cure provided at closing; CD in original TPR file. |  | 06/29/2022 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX/ 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-07-08): Received Desk Review Report dated XX/XX/XX from XXXXX with XXXXX value of XXXXX and with variance of 0.00% , verified and associated the document, hence exception cleared.<br>Reviewer Comment (2022-07-07): Valuation Received - XX/XX/XX | 07/08/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase |  | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $6,020.00 exceeds tolerance of $5,075.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-07-15): Sufficient Cure Provided At Closing |  | 07/15/2022 |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase | Final CD evidences Cure | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-07-19): Received Escrow Instructions reflecting the coverage amount , verified and associated the document hence exception cleared.<br>Seller Comment (2022-07-18): Revised TP | 07/19/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Purchase |  | C | B | B | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $53.85 exceeds tolerance of $50.00. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $50.00 on LE but disclosed as $53.85 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $3.85, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-07-18): SitusAMC upon further review sufficient cure provided at closing<br>Seller Comment (2022-07-15): CS XX/XX/XX Please see attached Final Closing Disclosure that shows a credit was given to the borrower at closing in the form of a tolerance in the amount of $3.85 in section J on the Closing Disclosure for the increase in Credit Report from $50 to $53.85. | 07/18/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 is less than amount of binding Lender Credit previously disclosed in the amount of $-500.00. | Lender Credits was last disclosed as $-500.00 on LE but disclosed as $0.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $-500.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-08-12): SitusAMC received Letter of Explanation, Copy of cure refund, proof of mailing & Corrected Closing Disclosure.<br>Seller Comment (2022-08-10): check,LOE,PCCD,FedEx<br>Seller Comment (2022-08-10): See attached check refund, LOE, PCCD, and FedEx label |  | 08/12/2022 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $53.85 exceeds tolerance of $50.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure to borrower at closing. |  |  |  | Reviewer Comment (2022-08-12): Sufficient Cure Provided At Closing |  | 08/12/2022 |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase | Final CD evidences Cure | C | B | B | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Total Property Costs Year 1 - October XXXXX Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. |  |  |  | Reviewer Comment (2022-09-08): Client elects to waive. |  |  | 09/08/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XX was electronically provided without or prior to borrower's consent to receive electronic disclosures. |  |  |  | Reviewer Comment (2022-09-12): XXXXX Received Clarification and LOE about Initial application date.<br>Seller Comment (2022-09-08): (XXXXX) Please see attachment<br>Reviewer Comment (2022-09-07): XXXXX: The initial LE in the transaction is dated XX/XX/XX and was signed by the borrower on XX/XX/XX". Please provide a copy of the initial application along with E-consent agreement within that time frame for testing<br>Seller Comment (2022-09-06): (XXXXX) Disagree - Loan Estimate was delivered to Borrower(s) within three (3) business days of application date. Loan Estimate was electronically provided to borrower(s) consent. See attachment. | 09/12/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Refinance - Rate/Term |  | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $150.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-07-26): XXXXX received PCCD, LOE, Proof of delivery & refund check.<br>Seller Comment (2022-07-25): final settlement statement<br>Seller Comment (2022-07-25): See attached final settlement statement showing the borrower was only charged $124.64. The PCCD that was sent with the check refund is correct.<br>Reviewer Comment (2022-07-22): XXXXX received PCCD, LOE, copy of refund check and proof of mailing however, PCCD provided does not shows total cure amount under section J. Please include $124.64 which was already provided for credit report fee. So, the total cure reflected under section J should be $274.64. Please provide corrected PCCD so that exception can be cured.<br>Seller Comment (2022-07-21): check,PCCD,LOE,XXXXX<br>Seller Comment (2022-07-21): See attached check refund, PCCD, LOE, and XXXXX label<br>Reviewer Comment (2022-07-15): XXXXX Received PCCD showing that the Second inspection fee has been removed. True and ceritfied final Settlement Statement is required to verify updated fees on Corrected CD were actual fees charged at closing.<br>Seller Comment (2022-07-15): LOE,PCCD,XXXXX<br>Seller Comment (2022-07-15): See attached PCCD, LOE, and XXXXX label with corrected appraisal fee<br>Reviewer Comment (2022-07-05): XXXXX upon further review, on CD dated XX/XX/XX Appraisal Fee $845 & Second Appraisal Fee $150 has been added. We require clarification as Second Appraisal fee has been added $150 due to which fee amount has increased. We cannot accept the comment to clear the exception, hence please provide a valid COC or Cure. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Seller Comment (2022-07-05): CS XX/XX/XX Please see attached initial LE, final CD, and appraisal invoices. The appraisal fee was initially disclosed as a total of $845. There were 2 appraisals payable to different companies and the fee was split on the final CD to accommodate for that. The fees split at $545 and $150, which is less than the $845 initially disclosed, and never dropped below that. No tolerance is necessary. |  | 07/26/2022 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $249.28 exceeds tolerance of $124.64. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $124.64 on LE but disclosed as $249.28 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $124.64, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-06-29): Cure provided at closing; final CD in original TPR file. |  | 06/29/2022 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XX). | Disclosure reflects TOP of $1,554,167.39 but calculated TOP of $1,554,292.03. Variance = $124.64. |  |  |  | Reviewer Comment (2022-07-25): XXXXX received XX/XX/XX Corrected CD and final for fees.<br>Seller Comment (2022-07-21): check,PCCD,LOE,XXXXX<br>Seller Comment (2022-07-21): See attached refund check, LOE, PCCD, XXXXX label<br>Reviewer Comment (2022-07-07): XXXXX received lender rebuttal that TOP is correct. However, TOP disclosed on the final CD is inaccurate based on fees disclosed on the PCCD dated XX/XX/XX resulting from $124.64 increase in borrower paid loan costs reflected in Section D. XXXXX's testing approach as a TPR assumes that fee changes reflected on a PCCD are corrections, rather than updates of fees that would result from changes that occurred after closing. That is, a lender incorrectly disclosed fees they were aware of (or should have been aware of) on the final CD and therefore issued a PCCD reflecting the actual fees that should have been disclosed on the final CD. Accordingly, XXXXX will calculate the TOP based on corrected fees on the PCCD and cite exceptions if the TOP disclosed on the final CD (provided at or before consummation) is inaccurate based on the updated fees shown on PCCD. The reason for testing in this manner is that (1) 1026.17(b) (and related commentary) provides that disclosures must be made before consummation; (2) 1026.19(f)(1)(ii) and (f)(2)(ii) require the CD to be provided 3 business days before consummation; and (3) 1026.19(f)(2) and (ii) provide that the CD must be provided before or at consummation. One exception to this would be if the PCCD was issued only due to a change in interim interest (based on a change in disbursement date), such changes would not result in any exception for the PCCD. The cure for the TOP exception includes a Letter of Explanation, Copy of Refund check for full under-disclosed amount, Proof of Delivery, and Corrected CD. Tolerance was exceeded.<br>Seller Comment (2022-07-05): Disagree: TOP = P&I (($XXXX x 359)+$XXXX) + Total Loan Costs (Section D) $XXXX + Prepaid Interest $XXXX = $XXXX. TOP is accurate. | 07/25/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Provide Fraud Report |  |  |  | Reviewer Comment (2022-07-07): Fraud report provided.<br>Seller Comment (2022-07-06): XX/XX/XX - MJP: Please see attached fraud guard report | 07/07/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | File contains XXXXX business and personal returns, XXXXX personal extension. Business extension is not in file. |  |  |  | Reviewer Comment (2022-07-13): Client elects to waive.<br>Reviewer Comment (2022-07-12): Client to review. XXXXX Business extension received and personal return extension for XXXXX was already in file.<br>Reviewer Comment (2022-07-11): Client to review.<br>Seller Comment (2022-07-07): 4868, 7004, and 4506C<br>Seller Comment (2022-07-07): XX/XX/XX - MJP: Please see attached 4506C, 7004, and 4868. Per DU guidance we are allowed to use XXXXX income for calculation. B1-1-03, Allowable Age of Credit Documents and Federal Income Tax Returns (XX/XX/XX) |  |  | 07/13/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $24,597.00 exceeds tolerance of $21,067.00. Insufficient or no cure was provided to the borrower. | Loan Discount Point Fee was last disclosed as $21,067.00 on LE but disclosed as $24,597.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $3,530.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-06-30): XXXXX received CD dated XX/XX/XX.<br>Seller Comment (2022-06-29): Change of Circumstance for Corr Discount<br>Seller Comment (2022-06-29): XX/XX/XX Closing Disclosure<br>Seller Comment (2022-06-29): Rate lock History (screenshot)<br>Seller Comment (2022-06-29): Disagree- On XX/XX/XX there was a Change of Circumstance to change the loan amount from XXXXX to XXXXX. Due to this the LTV was effected and caused the price adjustors and the final pricing for the rate to change from XXXX% or $XXXX to XXXX% or $XXXX. A CofC was submitted for the adjustment in pricing and a re-disclosure went out to the borrower on XX/XX/XX. Please see the attached Change of Circumstances, Lock Screen, and the re-disclosed Closing Disclosure. | 06/30/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees XXXXX | Qualified Mortgage (Dodd Frank XXXXX): Points and Fees on subject loan of XXXX% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $45,442.00 on a Federal Total Loan Amount of XXXXX vs. an allowable total of $39,022.99 (an overage of $6,419.01 or XXXX%). | QM Points and Fees threshold exceeded by $6,419.01 or .49348%. Loan was consummated after XX/XX/XX. For loans consummated after this date, there is no longer any cure mechanism available for QM points and fees violations. |  |  |  | Reviewer Comment (2022-07-22): Undiscounted rate and price verified.<br>Seller Comment (2022-07-21): corr discount point disclosure<br>Seller Comment (2022-07-21): See attached Correspondent Discount Point Disclosure<br>Reviewer Comment (2022-07-01): An offset was applied for the $XXXX Seller Paid Discount Points however the P&Fs still exceed the QM threshold by $XXXX. Based on the information provided, the discount points do not meet the 0.20 threshold (deal setting) to be considered bona fide for exclusion:<br> • Undiscounted Starting Rate = XXXX% <br> • Note Rate = 5% <br> • The Undiscounted Stating Rate Price is 0% and the new rate resulted in a cost of XXXX <br> • Undiscounted Rate of XXXX% minus Note Rate of 5 = XXXX% rate reduction. <br> • XXXX% / XXXX% = XXXX% (does not meet standard ratio of 0.20 to be considered bona fide).<br>Seller Comment (2022-06-29): QM HC<br>Seller Comment (2022-06-29): Disagree: Please see the attached QM and High Cost Tests. The difference in Par rate vs. APOR is <1%, allowing for 2% in bona fide discount points, or $XXXX. This reduces the Total P&Fs to $XXXX or XXXX%. Loan passes QM. | 07/22/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2022-07-22): Undiscounted rate and price verified.<br>Seller Comment (2022-07-21): Corr discount point disclosure<br>Seller Comment (2022-07-21): See attached Correspondent Discount Points disclsoure<br>Reviewer Comment (2022-07-01): An offset was applied for the $XXXX Seller Paid Discount Points however the P&Fs still exceed the QM threshold by $XXXX. Based on the information provided, the discount points do not meet the 0.20 threshold (deal setting) to be considered bona fide for exclusion:<br> • Undiscounted Starting Rate = XXXX% <br> • Note Rate = 5% <br> • The Undiscounted Stating Rate Price is 0% and the new rate resulted in a cost of XXXX <br> • Undiscounted Rate of XXXX% minus Note Rate of 5 = XXXX% rate reduction. <br> • XXXX% / XXXX% = XXXX% (does not meet standard ratio of 0.20 to be considered bona fide).<br>Seller Comment (2022-06-29): QM HC<br>Seller Comment (2022-06-29): Disagree: Please see the attached QM and High Cost Tests. The difference in Par rate vs. APOR is <1%, allowing for 2% in bona fide discount points, or $XXXX. This reduces the Total P&Fs to $XXXX, or XXXX%. Loan passes QM. | 07/22/2022 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-07-08): Received and associated XXXXX Desk Review dated XX/XX/XX, with a value of XXXXX which gives 0.00% variance from the Appraised value. Exception cleared. | 07/08/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Primary | Purchase |  | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX/ 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-07-08): Received and associated XXXXX Desk Review dated XX/XX/XX, with a value of XXXXX which gives 0.00% variance from the Appraised value. Exception cleared.<br>Reviewer Comment (2022-07-07): Valuation Received - XX/XX/XX | 07/08/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase |  | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2022-07-19): XXXXX received XX/XX/XX Initial CD<br>Seller Comment (2022-07-15): CD | 07/19/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Second Home | Purchase | No Defined Cure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - October XXXXX Testing | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | The final CD disclosed the Amount of Total Property Costs over Year 1 as $XXXX on page 4; however the annual taxes $XXXX and homeowners insurance $XXXX total are $XXXX per year. Final CD reflects Estimated Taxes, Insurance & Assessments of $XXXX monthly, correct amount is $XXXX. Provide a post-close CD correcting on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-07-15): XXXXX received clarification from seller & special assessment is updated on Appraisal $60. After updating special assessment total amount is matching with Final CD $XXXX.<br>Seller Comment (2022-07-15): HOI $XXXX/mo $XXXX/yr<br> Taxes $XXXX/mo $XXXX/yr<br> Other $XXXX/mo $XXXX/yr <br>\*Underwriting is aware of the special assessments noted on the Appraisal in the amount of $60.00. This fee must be included in the Non Escrow property expense and itemized separately as Other in the PITIA. <br>Total: $XXXX/mo $XXXX/yr | 07/15/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing insurance verification on property XXXXX |  |  |  | Reviewer Comment (2022-07-19): Received Property history report reflecting the tax amount of $ XXXX annually and from which we are able to verify the total other payment of $XXXX , verified and associated the document hence exception cleared.<br>Seller Comment (2022-07-18): Ins and mtg payment<br>Reviewer Comment (2022-07-18): Received HOI policy for XXXXX, However as per final 1003 monthly ins,tax, hoa dues of $XXXX total verified hoi, tax was $XXXX + $XXXX = $XXXX and per loe no hoa dues, property tax amount considered from fraud report, Please provide supporting documents for remaining payments of $XXXX. Exception Remains<br>Seller Comment (2022-07-15): HOI | 07/19/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Second Home | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided) | XXXXX Mortgage Lending Regulations: Borrower did not receive disclosure on responsibility for payment of taxes and insurance. | The file was missing copy of XXXXX Mortgage Lending regulations required to disclose responsibility for payment of taxes and insurance. |  |  |  | Reviewer Comment (2022-07-20): Client elects to waive. |  |  | 07/20/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Second Home | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing W-2s that cover the most recent two years or a fully completed standard verification of employment with YTD and two years prior earning is required per DU. |  |  |  | Reviewer Comment (2022-07-18): Received verification of employment including income for borrower employment with XXXXX updated the details. Exception Cleared<br>Seller Comment (2022-07-15): We obtained a full VOE that overs both years XXXXX and XXXXX. The W2s are not required. | 07/18/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Second Home | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-07-05): Supplemental report received. Cleared.<br>Reviewer Comment (2022-07-05): Re-opened. Document provided.<br>Reviewer Comment (2022-07-05): Client elects to waive.<br>Seller Comment (2022-07-01): Supplement Report from Title | 07/05/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Purchase |  | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation report used for securitization purposes. |  |  |  | Reviewer Comment (2022-07-13): Received and associated XXXXXDesk Review dated XX/XX/XX with a value of XXXXX, which gives 0.00% variance from the Appraised value. Exception cleared. | 07/13/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Primary | Purchase |  | D | A | A | A | B | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | State Compliance | Misc. State Level | Virginia Mortgage Lender and Broker Act (Dual Agency Compensation Without Notice) | XXXXX Mortgage Lender and Broker Act: Mortgage broker also acting as agent has received compensation from the borrower without providing a written agreement to the borrower. | The file was missing a copy of the XXXXX mortgage lender and broker act form. |  |  |  | Reviewer Comment (2022-07-12): Mortgage Broker Agreement signed and dated received and associated. Exception cleared.<br>Seller Comment (2022-07-08): MBA<br>Seller Comment (2022-07-08): Disagree: Please see the attached executed Mortgage Broker Agreement | 07/12/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Purchase |  | D | A | A | A | B | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX/ 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-07-13): Received and associated XXXXXDesk Review dated XX/XX/XX with a value of XXXXX, which gives 0.00% variance from the Appraised value. Exception cleared.<br>Reviewer Comment (2022-07-12): Valuation Received - XX/XX/XX | 07/13/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase |  | D | A | A | A | B | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Due to excess in points and fee. |  |  |  | Reviewer Comment (2022-07-20): Itemization received. Offset applied for seller paid discount points.<br>Seller Comment (2022-07-19): QM finding and Itemization of settlement fees<br>Seller Comment (2022-07-19): A portion of the Discount is being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges and attached passing QM test with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within 2% higher than APOR which allows for 1% bonafide discount to be applied.<br> Included Fees - Bona Fide Points = Total Fees / Total Loan Amount (Amount Financed) = Total Fees Percentage<br> $XXXX - $0.00 = $XXXX / XXXXX = XXXX % | 07/20/2022 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees XXXXX | Qualified Mortgage (Dodd Frank XXXXX): Points and Fees on subject loan of XXXX% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $27,600.00 on a Federal Total Loan Amount of XXXXX vs. an allowable total of $27,462.85 (an overage of $137.15 or XXXX%). | QM Points and Fees threshold exceeded by $135.15 or 01498%. Loan was consummated after XX/XX/XX. For loans consummated after this date, there is no longer any cure mechanism available for QM points and fees violations. |  |  |  | Reviewer Comment (2022-07-20): Itemization received. Offset applied for seller paid discount points.<br>Seller Comment (2022-07-19): QM finding and Itemization of settlement fees<br>Seller Comment (2022-07-19): A portion of the Discount is being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges and attached passing QM test with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within 2% higher than APOR which allows for 1% bonafide discount to be applied.<br> Included Fees - Bona Fide Points = Total Fees / Total Loan Amount (Amount Financed) = Total Fees Percentage<br> $XXXX - $0.00 = $XXXX / XXXXX = XXXX % | 07/20/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-06-28): Client elects to waive. |  |  | 06/28/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Second Home | Purchase |  | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-07-15): Final Title Policy with amount verified & associated. Exception cleared.<br>Seller Comment (2022-07-14): Uploaded FTP | 07/15/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Purchase |  | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2022-07-15): Final Title Policy with amount verified & associated. Exception cleared. | 07/15/2022 |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase |  | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $250.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing. |  |  |  | Reviewer Comment (2022-06-28): Sufficient Cure Provided At Closing |  | 06/28/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Documents | Missing Document | Documents | File does not contain documentation form lender/seller confirming the condo is warrantable. |  | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  | Reviewer Comment (2022-07-01): Received Condo/PUD warranty document from lender which is covering the Note date. Exception cleared.<br>Seller Comment (2022-06-30): Please review the Condo Warranty. | 07/01/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Disclosures were sent to borrower prior to obtain consent for electronic disclosure from borrower. Lender to provide proof of consent within initial 3 days of application OR proof of disclosure sent to borrower using another method within 3 days of application. |  |  |  | Reviewer Comment (2022-07-01): XXXXX received E consent Agreement of borrower dated XX/XX/XX which is with in 3 business days of Application date.<br>Seller Comment (2022-06-30): Please see the eConsent disclosure agreement. | 07/01/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | The Amount of Non-Escrowed Property Costs over Year 1 was calculated using 11 months when 12 months should have been used. |  |  |  | Reviewer Comment (2022-06-29): Client elects to waive. |  |  | 06/29/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Provide verification of homeowners insurance for XXXXX. |  |  |  | Reviewer Comment (2022-07-26): Received and associated Property History Report reflecting there is no Mortgage Lien on this property and further confirms HOI would not be required. Its a vacant land. Exception cleared.<br>Seller Comment (2022-07-22): XX/XX/XX AMB: Please note that the property located at XXXXX is vacant land. We would not be required to document homeowners insurance on this property because there is no home to insure. Please see the attached property report for the REO property to show that there was also no mortgage on this plot, further confirming that HOI would not be required. | 07/26/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | Loan was approved using AUS/DU, copy of report was not provided. |  |  |  | Reviewer Comment (2022-07-26): AUS document received hence exception cleared.<br>Seller Comment (2022-07-22): XX/XX/XX AMB: Please see the attached AUS report provided here. | 07/26/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-07-05): Client elects to waive. |  |  | 07/05/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | D | B | B | B | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-07-08): Received and associated XXXXX Desk Review dated XX/XX/XX, with a value of XXXXX which gives 0.00% variance from the Appraised value. Exception cleared. | 07/08/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Primary | Purchase |  | D | B | B | B | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure XX/XX/XX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) | Final Closing Disclosure XX/XX/XX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. |  |  |  | Reviewer Comment (2022-07-05): XXXXX received Letter of Explanation & Corrected Closing Disclosure.<br>Seller Comment (2022-06-30): Please see attached updated CD XX/XX/XX with Final Settlement Statement. |  | 07/05/2022 |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | D | B | B | B | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $525.00 exceeds tolerance of $350.00. Insufficient or no cure was provided to the borrower. | Reinspection Fee was last disclosed as $350.00 on LE but disclosed as $525.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $175.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-07-06): XXXXX received COC dated XX/XX/XX & XX/XX/XX along with 1004D.<br>Seller Comment (2022-07-05): Please see attached updated COC: XXXXX, XXXXX, XXXXX, and XXXXX.<br>Reviewer Comment (2022-07-05): XXXXX - Re-inspection Fee was initially added on XX/XX/XX LE for $150 which is prior to the appraisal dated XX/XX/XX. COC dated XX/XX/XX shows appraisal re-inspection required. Please provide additional information as how it was determined before receiving appraisal that a re-inspection was required & when the lender became aware of the change. Also, three 1004D inspections were carried out. COC dated XX/XX/XX, XX/XX/XX does not provide sufficient reason for increase/requirement of 1004D. Fee further increased on XX/XX/XX sequence#2 CD to $525 for which there is no valid COC. Please provide additional information for COC dated XX/XX/XX, XX/XX/XX, XX/XX/XX & a valid COC for 6/16 increase. Exception remains.<br>Seller Comment (2022-06-30): Please see attached. There is three 1004D reinspection done on this property. | 07/06/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | B | B | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $21,708.68 exceeds tolerance of $14,172.00. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee was last disclosed as $14,172.00 on LE but disclosed as $21,708.68 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $7,536.68, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-07-13): XXXXX received additional information to support valid changed circumstance.<br>Reviewer Comment (2022-07-11): XXXXX upon further review, received Sales Addendum which states buyer is responsible for $8,505.23 of the realty transfer tax. However, Fee increased on CD dated XX/XX/XX or Cure is required.<br>Seller Comment (2022-07-08): Please see attached Purchase Addendum.<br>Reviewer Comment (2022-07-07): XXXXX received COC dated XX/XX/XX which was already in file stated loan amount and sales price change but upon further review there is no change in loan amount and sales price from CD dated XX/XX/XX to CD dated XX/XX/XX.Also provided cure at closing is not sufficient .So please provide valid COC for CD dated XX/XX/XX to justify the reason why fee was increased or need additional cure of $7136.68<br>Seller Comment (2022-07-06): Please see attached updated COC.<br>Reviewer Comment (2022-07-05): XXXXX received COC dated XX/XX/XX stating 'loan amount & sales price changed' & transfer tax increased to $21,708.68 on XX/XX/XX CD, however, loan amount & sale price is same on previous CD dated XX/XX/XX & did not change. Please provide a valid COC for increase in transfe taxes on XX/XX/XX CD or cure documents. Exception remains.<br>Seller Comment (2022-06-30): Please see attached COC. | 07/13/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | B | B | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX/ 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-07-08): Received and associated XXXXX Desk Review dated XX/XX/XX, with a value of XXXXX which gives 0.00% variance from the Appraised value. Exception cleared.<br>Reviewer Comment (2022-07-07): Valuation Received - XX/XX/XX | 07/08/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase |  | D | B | B | B | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | The Loan Estimate was not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XX was electronically provided without or prior to borrower's consent to receive electronic disclosures |  |  |  | Reviewer Comment (2022-07-19): XXXXX received updated Disclosure History Documentation that confirms the Initial disclosures were sent via by mail and there is no tolerance violation.<br>Seller Comment (2022-07-18): (XXXXX) Please find snips from LOS and export of disclosure history from LOS evidencing disclosures were mailed on XX/XX/XX<br>Reviewer Comment (2022-07-14): XXXXX received attestation shows an incomplete snip of the disclosure history where it is not clear which documents were being sent on XX/XX/XX by mail. Kindly provide a valid evidence reflecting that the Initial LE was being sent by mail. Exception remains as of now. | 07/19/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Refinance - Rate/Term |  | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | The final 1003 was missing from the loan file. |  |  |  | Reviewer Comment (2022-06-20): Received final signed 1003 for both the borrower. verified & associated the same. Exception cleared.<br>Seller Comment (2022-06-17): 1003 | 06/20/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Second Home | Purchase |  | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  | The Rider - PUD to the Security Instrument was missing from the loan file. |  |  |  | Reviewer Comment (2022-06-20): Received PUD rider signed by both the borrowers. Exception cleared.<br>Seller Comment (2022-06-17): pud | 06/20/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Second Home | Purchase |  | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Second Home not provided |  | The Rider - Second Home to the Security Instrument was missing from the loan file. |  |  |  | Reviewer Comment (2022-06-20): Received Second Home rider signed by both the borrowers. Exception cleared.<br>Seller Comment (2022-06-17): Second | 06/20/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Second Home | Purchase |  | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing.; Sec ID: 36 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-07-06): appraisal 2055 received and associated . Exception cleared.<br>Seller Comment (2022-07-05): appraisal | 07/06/2022 |  |  | 1 | D | A | B | A | D | A | D | A | D | A |  | XX | Second Home | Purchase |  | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2022-06-27): XXXXX received XX/XX/XX CD and proof of receipt.<br>Seller Comment (2022-06-23): TRID<br>Reviewer Comment (2022-06-22): XXXXX did not receive any documents to address this exception. Prior Disclosure Tracking Summary reflects that a CD was sent on XX/XX/XX, but file does not reflect any XX/XX/XX CD. File only reflects the XX/XX/XX Final CD. Provide any missing disclosure and proof of receipt within 3 business days prior to closing.<br>Seller Comment (2022-06-20): TRID | 06/27/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Second Home | Purchase | No Defined Cure | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XX/XX/XX not received by borrower at least four (4) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2022-06-22): XXXXX received Disclosure Tracking confirming electronic receipt<br>Seller Comment (2022-06-20): TRID | 06/22/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Second Home | Purchase | No Defined Cure | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $999.60 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Extension Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $999.60, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-06-23): XXXXX received clarification from seller, hence accepted COC dated XX/XX/XX with timestamp of XX/XX/XX.<br>Seller Comment (2022-06-22): Per the Timestamps on the CD & COC they were both drawn at 11:48pm on XX/XX/XX. Our LOS requires us to input the CD issue date, but the COC is Auto generated and due to the time the docs were drawn the system used the XX/XX/XX date instead of the XX/XX/XX date as the issue date. Can you please escalate this for a one-time exception?<br>Reviewer Comment (2022-06-20): XXXXX received COC dated XX/XX/XX for the addition of the Extension Fee $1000 with reason - Rate Lock Extended. However this fee was added on the LE dated XX/XX/XX. Please provide an updated valid COC which is within 3 business days from the fee added on the LE dated XX/XX/XX or cure required along with cure documents.<br>Seller Comment (2022-06-20): TRID | 06/23/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Lien Position: ___ |  |  |  |  | Reviewer Comment (2022-07-06): Client elects to waive. |  |  | 07/06/2022 | 2 |  | B |  | B |  | B |  | B |  | B |  | XX | Second Home | Purchase |  | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $75.00 exceeds tolerance of $60.00 plus 10% or $66.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-06-01): Sufficient Cure Provided At Closing |  | 06/01/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Second Home | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. It is noted Disclosure Summary reflects a CD was sent to the borrowers on XX/XX/XX; however, this CD was was not provided for review. |  |  |  | Reviewer Comment (2022-06-09): XXXXX received the initial CD.<br>Seller Comment (2022-06-07): Initial CD | 06/09/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Second Home | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-09-02): Desk review provided. | 09/02/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Primary | Purchase |  | D | B | A | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify.; Sec ID: 7 |  | Desk review value is Indeterminate. |  |  |  | Reviewer Comment (2022-09-13): Field Review provided. | 09/13/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase |  | D | B | A | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.; Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2022-09-20): Client elects to waive |  |  | 09/20/2022 | 2 |  | A |  | A |  | A |  | A |  | B |  | XX | Primary | Purchase |  | D | B | A | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations: D. 1. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application? was entered Yes. Unable to determine qualification without this information. |  | File missing a letter of explanation for undisclosed application |  |  |  | Reviewer Comment (2022-07-12): Received and associated corrected Final 1003. Exception cleared.<br>Seller Comment (2022-07-11): XXXXX XX/XX/XX CW - Please rescind. Please see attached updated loan application executed by borrowers confirming 1003 was marked in error, please see attached confirming update to final loan application to reflect updated 1003 provided. | 07/12/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Originator Compensation. Fee Amount of $10,000.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Loan originator compensation was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $10,000, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-07-22): XXXXX Received Rate lock dated XX/XX/XX therefore no cure required.<br>Seller Comment (2022-07-21): lock confirmation<br>Seller Comment (2022-07-21): See attached lock confirmation from XX/XX/XX<br>Reviewer Comment (2022-07-19): XXXXX upon further review received rate lock dated XX/XX/XX showing compensation changed to borrower paid however compensation was changed on XX/XX/XX CD which is prior to rate lock document XX/XX/XX. Please provide valid COC/ supporting document within 3 days of CD dated XX/XX/XX or please provide cure documents.<br>Seller Comment (2022-07-18): lock confirmation XX/XX/XX and XX/XX/XX<br>Seller Comment (2022-07-18): See attached lock confirmation from XX/XX/XX showing the discount points of -$13,550 and the lock from XX/XX/XX showing the same amount for the discount. The discount didn't increase. Switching from lender paid to borrower paid reduced the need to charge discount points since the borrower is now paying the compensation separately.<br>Reviewer Comment (2022-07-11): XXXXX upon further review, received CD & COC dated XX/XX/XX, stating by switching it to borrower paid, it reduces the need to charge discount points, it does not give sufficient information on why the fee increased. In order to determine if the COC is valid more information is necessary on reason fee increase and when lender became aware of the change. A valid COC or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Seller Comment (2022-07-08): CS XX/XX/XX The origination started as lender paid when the loan was first locked. Due to this the compensation will not show on the Loan estimate. On XX/XX/XX there was a Change Of Circumstance done changing the compensation form lender paid to borrower paid. By switching this to borrower paid, it reduces the need to charge discount points because the borrower is paying the compensation directly. There was a Closing disclosure that went out following for re-disclosure. Please see attached Closing disclosure and Change Of Circumstance form. | 07/22/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2022-07-20): XXXXX received XX/XX/XX CD<br>Seller Comment (2022-07-18): DJ: initial CD; e-signed XX/XX/XX | 07/20/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-06-17): Received Title Supplement report verifying the Policy amount for the loan. Exception cleared.<br>Seller Comment (2022-06-16): XX/XX/XX RF see attached please clear thank you | 06/17/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Purchase |  | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $7,893.90 exceeds tolerance of $3,505.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-07-11): Sufficient Cure Provided At Closing |  | 07/11/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by XXXXX. Provide updated policy reflecting minimum coverage of XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2022-07-19): Replacement cost estimator received. Sufficient coverage verified. Exception cleared.<br>Seller Comment (2022-07-18): (XXXXX) Please see the attached RCE | 07/19/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Documents | Missing Document | Documents | File does not contain documentation form lender/seller confirming the condo is warrantable. |  | Provide documentation confirming the condo is warrantable. |  |  |  | Reviewer Comment (2022-07-07): Received document from Lender confirming that subject project meets the guidelines and warrantable project updated the details. Exception Cleared<br>Seller Comment (2022-07-06): XX/XX/XX - MJP: Please see attached documentation. | 07/07/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | Flood | Flood Insurance Escrow - Flood not Escrowed for Property in Flood Zone | Loan originated post XXXXX, the subject property is in a flood zone, flood insurance is not escrowed. | The subject property is in a flood zone and the flood insurance is not escrowed. |  |  |  | Reviewer Comment (2022-07-07): Client elects to waive.<br>Reviewer Comment (2022-07-07): Client to review.<br>Seller Comment (2022-07-06): Flood<br>Seller Comment (2022-07-06): Please see the attached Master Policy. Subject Property is a condominium and flood insurance is paid indirectly via HOI, through the home owners association. |  |  | 07/07/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - October XXXXX Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | The final CD disclosed the Amount of Total Property Costs over Year 1 as $XXXX on page 4; however the annual taxes ($XXXX) and homeowners insurance ($XXXX), HOA Dues ($XXXX) and Flood insurance ($XXXX) total are $XXXX per year. Final CD reflects Estimated Taxes, Insurance & Assessments of $XXXX monthly, correct amount is $XXXX. Provide a post-close CD correcting on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-07-07): Client elects to waive.<br>Seller Comment (2022-07-06): XX/XX/XX - MJP: Please note that flood insurance is an optional coverage and is not required. In this regard we are not required to update the CD for this. |  |  | 07/07/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-07-05): Client elects to waive. |  |  | 07/05/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-07-19): Client elects to waive. |  |  | 07/19/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Second Home | Purchase |  | D | B | B | B | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-07-20): Desk review received. | 07/20/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Second Home | Purchase |  | D | B | B | B | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX/ 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-07-20): XXXXX received.<br>Reviewer Comment (2022-07-20): Valuation Received - XX/XX/XX | 07/20/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Second Home | Purchase |  | D | B | B | B | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - October XXXXX Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | The Insurance policy dated XX/XX/XX reflects a premium of $XXXX. However, the Binder dated XX/XX/XX reflects a premium of $XXXX. |  |  |  | Reviewer Comment (2022-06-29): XXXXX upon further review, received Hazard insurance policy along with payment history.<br>Seller Comment (2022-06-28): XX/XX/XX - MJP: Please see attached policy and invoice for $XXXX as premium. | 06/29/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $350.00 exceeds tolerance of $141.00 plus 10% or $155.10. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2022-07-06): Sufficient Cure Provided within 60 Days of Closing |  | 07/06/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase |  | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TILA | Federal LO Compensation Dual Compensation Dodd Frank Test | Loan Originator Compensation: Dual compensation received from both a consumer and person other than consumer. |  |  |  |  | Reviewer Comment (2022-07-18): PCCD and invoice provided for credit report fee paid to third party provider and not broker.<br>Seller Comment (2022-07-15): here is PCCD & invoice changing CR payee<br>Seller Comment (2022-07-14): Please see attached final settlement statement.<br>Reviewer Comment (2022-07-13): Final CD is showing that both the Lender Paid Broker Compensation and the Credit Report are paid to the broker. Please provide a final Settlement Statement (or other evidence such as an invoice) that would show this fee was not paid to the broker but rather to a third party. If truly not paid to them, a corrected PCCD should also be issued reflecting the actual payee for this service. Exception remains.<br>Seller Comment (2022-07-12): Where are you seeing dual compensation? Please see attached and advise. Thank you. | 07/18/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | No policy amount mentioned on prelim policy |  |  |  | Reviewer Comment (2022-07-11): Received final title policy, verified and associated the document hence exception cleared.<br>Seller Comment (2022-07-08): XX/XX/XX RF see attached please clear thank you | 07/11/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Purchase |  | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2022-07-11): Received final title policy, verified and associated the document hence exception cleared. | 07/11/2022 |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase |  | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $850.00 exceeds tolerance of $700.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee last disclosed as 700.00 LE but disclosed as $850.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-07-19): Sufficient Cure Provided At Closing |  | 07/19/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2022-07-26): SitusAMC Received Initial CD dated XX/XX/XX. Exception can be cleared.<br>Seller Comment (2022-07-22): CD | 07/26/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Second Home | Purchase | No Defined Cure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | The file was missing evidence the Notice of Special Flood Hazard Disclosure was provided to borrower within a reasonable time to Closing. |  |  |  | Reviewer Comment (2022-07-25): Cancelled in error.<br>Reviewer Comment (2022-07-25): Notice of special flood hazard received, verified and associated the document hence exception cleared.<br>Reviewer Comment (2022-07-25): cancelled in error<br>Reviewer Comment (2022-07-25): Notice of special flood hazard area document received, exception cleared.<br>Seller Comment (2022-07-22): Flood disclosure | 07/25/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Second Home | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | Flood | Flood Insurance Escrow - Flood not Escrowed for Property in Flood Zone | Loan originated post XXXXX, the subject property is in a flood zone, flood insurance is not escrowed. |  |  |  |  | Reviewer Comment (2022-07-27): Client elects to waive.<br>Reviewer Comment (2022-07-25): Client to review.<br>Seller Comment (2022-07-22): Flood insurance is not required to be escrowed. |  |  | 07/27/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Second Home | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided |  |  |  |  |  | Reviewer Comment (2022-07-25): Received Flood Insurance policy/master flood policy for subject property updated the details. Exception Cleared<br>Seller Comment (2022-07-22): Master Flood | 07/25/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Second Home | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Missing HO-6 policy. |  |  |  | Reviewer Comment (2022-07-26): Received HO-6 policy , verified and associated the document hence exception cleared.<br>Seller Comment (2022-07-25): HO6<br>Reviewer Comment (2022-07-25): Received subject property HOI policy, However unable to verify the HO-6/walls-in/all-in coverages in policy, Please provide policy with HO-6/Walls-in Coverages in policy for subject property. Exception Remains<br>Seller Comment (2022-07-22): Master Flood | 07/26/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Second Home | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Documents | Missing Document | Documents | File does not contain documentation form lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2022-07-25): Received project approval document, verified and associated the document hence exception cleared.<br>Seller Comment (2022-07-22): Warranty deed | 07/25/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Second Home | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Insurance | Insurance Documentation | Insurance | The Blanket Coverage for a Condo does not meet guidelines. |  | Lender to provide master policy. |  |  |  | Reviewer Comment (2022-07-25): Received subject property HOI master policy/Blanket Coverage for subject Condo property updated the details. Exception Cleared<br>Seller Comment (2022-07-22): Master policy | 07/25/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Second Home | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $276.00 exceeds tolerance of $233.00 plus 10% or $256.30. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded by $19.70 due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $19.70, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-07-28): SitusAMC Received Copy of check. Corrected PCCD, LOE and proof of mailing is already available on file.<br>Seller Comment (2022-07-28): Check<br>Reviewer Comment (2022-07-26): SitusAMC Received PCCD, LOE and proof of mailing for the cure provided.Copy of check is missing. Please provide a copy of Check to cure the exception.<br>Seller Comment (2022-07-25): Check Request Package for 10% Tolerance Cure. Will upload copy of check when available.<br>Reviewer Comment (2022-07-25): SitusAMC Upon further review Recording fee increased on LE dated XX/XX/XX COC does not provide valid reason for increase in Recording Fee. Please provide valid COC with additional information which can explain why Recording Fee increase on LE dated XX/XX/XX or Please provide cure along with cure documents.<br>Seller Comment (2022-07-22): HOA/Condo Fee increased to $410 on Final LE issued XX/XX/XX. COC reflects "Additional Service Required By Underwriting - 3rd Party Fees - Fee: Condo/PUD Questionnaire fee". Please advise why COC is invalid.<br>Seller Comment (2022-07-22): Recording Fee increased on LE XX/XX/XX. COC reflects "Additional Service Required By Title - Private title from Preferred Title (XXXXX) - Fee: Deed Recording & Fee: Mortgage Recording". Please advise why COC is invalid. |  | 07/28/2022 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | XX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $410.00 exceeds tolerance of $380.00. Insufficient or no cure was provided to the borrower. | HOA/Condo Questionnaire Fee was last disclosed as $380.00 on LE but disclosed as $410.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $30.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-07-28): SitusAMC Received Copy of check. Corrected PCCD, LOE and proof of mailing is already available on file.<br>Seller Comment (2022-07-28): check<br>Reviewer Comment (2022-07-26): SitusAMC Received PCCD, LOE and proof of mailing for the cure provided.Copy of check is missing. Please provide a copy of Check to cure the exception.<br>Seller Comment (2022-07-25): Check Request Package for 0% Tolerance Cure. Will upload copy of check when available.<br>Reviewer Comment (2022-07-25): SitusAMC Upon further review reason stating in COC dated XX/XX/XX "Additional service required by Underwriting" is not sufficient to clear the exception. Please provide additional information which can explain why HOA/Condo Questionnaire fee increased on LE dated XX/XX/XX or Please provide cure along with cure documents. |  | 07/28/2022 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | XX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Total Property Costs Year 1 - October 2018 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. (Final/XX/XX/XX) |  |  |  | Reviewer Comment (2022-07-27): Client elects to waive.<br>Reviewer Comment (2022-07-27): SitusAMC received property costs calculation. However, unable to locate document that verifies the HOA Special Assessment of $XXXX/mo. Please provide.<br>Seller Comment (2022-07-25): REBUTTAL: <br> HOI $XXXX/mo<br> TAX $XXXX/mo<br> HOA $XXXX/mo<br> OTHER [HOA Special Assessment] $XXXX/mo<br>Total: $XXXX/mo = $XXXX/yr |  |  | 07/27/2022 | 2 |  | B |  | B |  | B |  | B |  | B |  | XX | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Testing | Unable to determine if amount of non-escrow costs disclosed on the loan approval due to missing information. | The annual non-escrowed costs on page 4 of the final CD do not match the loan file. Annual non-escrowed costs, per loan file, are as follows: Hazard - $XXXX, Tax - $XXXX, HOA - $XXXX for a total of $XXXX. Provide PCCD and LOE that reflects the preceding amounts in 10, 11 or 12 month breakouts, or documentation of alternative amounts, or documentation of calculation used for review. |  |  |  | Reviewer Comment (2022-07-29): SitusAMC received updated HOA condominium Questionnaire with1008 documentation for Property cost over year 1 calculation used by lender and upon review there is no tolerance violence.<br>Seller Comment (2022-07-28): REBUTTAL: Your calculations are invalid as it did not include the HOA Special assessment fee of $XXXX/mo = $XXXX/yr I have uploaded the 1008 & the Condo/PUD Questionnaire for your reference. | 07/29/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-06-28): Client elects to waive. |  |  | 06/28/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $10.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. | Sufficient cure was provided |  |  |  | Reviewer Comment (2022-07-06): Sufficient Cure Provided within 60 Days of Closing |  | 07/06/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Second Home | Purchase |  | A | B | A | A | A | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | Based on the application date more recent tax returns could have been available. A XXXXX extension was provided. |  |  |  | Reviewer Comment (2022-07-20): Client elects to waive.<br>Seller Comment (2022-07-20): May I have an update on this?<br>Reviewer Comment (2022-07-14): Client to review. |  |  | 07/20/2022 | 2 |  | B |  | B |  | B |  | B |  | B |  | XX | Second Home | Purchase |  | A | B | A | A | A | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October XXXXX Testing | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | The final CD disclosed the Amount of Escrowed Property Costs over Year 1 as $XXXX on page 4; however the Property Taxes $XXXX and Insurance $XXXX total $XXXX per year. Provide a post-close CD correcting the Escrow Account section and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-07-13): Client elects to waive. |  |  | 07/13/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2022-07-18): XXXXX received XX/XX/XX Initial CD.<br>Seller Comment (2022-07-14): Initial CD | 07/18/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Second Home | Purchase | No Defined Cure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2022-07-15): Received and associated K-1s XXXXX, 1120S XXXXX signed and dated, 1040 XXXXX signed and dated. Exception cleared. | 07/15/2022 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | XX | Second Home | Purchase | Lender to provide updated ATR/QM status | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - S-Corp | General QM: Unable to verify S-Corp income using reasonably reliable third-party records. | Missing XXXXX K-1, complete business and personal returns. Only signature pages were provided. |  |  |  | Reviewer Comment (2022-07-15): Received and associated 1120S signed and dated. Exception cleared.<br>Seller Comment (2022-07-14): K1 | 07/15/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Second Home | Purchase |  | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Schedule C | General QM: Unable to verify Sole Proprietorship income using reasonably reliable third-party records. | Missing XXXXX personal return. Only signature page was provided. |  |  |  | Reviewer Comment (2022-07-15): Received and associated, 1040 for the year XXXXX signed and dated by both the borrowers. Exception cleared.<br>Seller Comment (2022-07-14): Taxes | 07/15/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Second Home | Purchase |  | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | XXXXX received XX/XX/XX Initial CD. Missing proof of receipt to meet timing requirements. |  |  |  | Reviewer Comment (2022-07-20): XXXXX received proof of earlier receipt<br>Seller Comment (2022-07-18): Initial CD communication | 07/20/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Second Home | Purchase | No Defined Cure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-08-04): Received CDA Reviewed for subject property secondary valuation updated the details. Exception Cleared | 08/04/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / 2 days - CDA - No MLS Sheets |  |  |  | Reviewer Comment (2022-08-04): Received CDA Reviewed for subject property secondary valuation updated the details. Exception Cleared<br>Reviewer Comment (2022-08-03): Valuation Received - XX/XX/XX | 08/04/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $87.50 exceeds tolerance of $87.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $87.50 exceeds tolerance of $87.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2022-08-01): Sufficient Cure Provided At Closing |  | 08/01/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-06-17): Received XXXXX Reviewed for subject property secondary valuation updated the details. Exception Cleared | 06/17/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX / 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-06-17): Received XXXXX Reviewed for subject property secondary valuation updated the details. Exception Cleared<br>Reviewer Comment (2022-06-15): Valuation Received - XX/XX/XX | 06/17/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-06-28): Client elects to waive. |  |  | 06/28/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-07-05): Client elects to waive. |  |  | 07/05/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-07-12): Client elects to waive |  |  | 07/12/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX 1040's and business returns. |  |  |  | Reviewer Comment (2022-07-12): Client elects to waive<br>Reviewer Comment (2022-07-12): Client to review.<br>Seller Comment (2022-07-11): XXXXX XX/XX/XX CW - Please rescind. According to B1-1-03, with an application date of XX/XX/XX and a disbursement date of XX/XX/XX, The most recent year's tax return is recommended; however, the previous year(s) is also acceptable.<br>In the event the most recent year's tax return is not obtained, the lender must perform all of the following:<br>Obtain a copy of IRS Form 4868 (Application for Automatic Extension of Time to File U.S. Individual Income Tax Return) filed with the IRS;<br> Review the total tax liability reported on IRS Form 4868 and compare it with the borrower's tax liability from the most recent year obtained as a measure of income source stability and continuance. An estimated tax liability that is inconsistent with previous years may make it necessary for the lender to require the current returns in order to proceed; and<br> Obtain IRS response from the filing of IRS Form 4506-C confirming that no transcripts are available for the applicable tax year. |  |  | 07/12/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-07-19): Client elects to waive. |  |  | 07/19/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | D | B | B | B | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-07-21): Received and associated XXXXXDesk Review dated XX/XX/XX with a value of XXXXX, which gives 0.00% variance from the Appraised value. Exception cleared. | 07/21/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Primary | Purchase |  | D | B | B | B | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX/ 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-07-21): Received and associated XXXXXDesk Review dated XX/XX/XX with a value of XXXXX, which gives 0.00% variance from the Appraised value. Exception cleared.<br>Reviewer Comment (2022-07-20): Valuation Received - XX/XX/XX | 07/21/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase |  | D | B | B | B | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October XXXXX Testing | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | Final CD shows the insurance fee is $25 and should not be part of the escrowed policy |  |  |  | Reviewer Comment (2022-07-20): Client elects to waive.<br>Seller Comment (2022-07-20): Grade 2 please waive and push to complete |  |  | 07/20/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2022-07-13): XXXXX received XX/XX/XX and proof of receipt.<br>Seller Comment (2022-07-11): CD, TRID<br>Seller Comment (2022-07-11): Please see the attached Initial CD and TRID history showing proof of delivery. | 07/13/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Final LE is required to be received by borrower at least 1 day prior to Initial CD. Based on documentation in file, Final LE was received by borrower on or after date Initial CD was received. Evidence of earlier receipt of LE was not located in file. |  |  |  | Reviewer Comment (2022-07-19): XXXXX received XX/XX/XX Initial CD<br>Seller Comment (2022-07-15): CD | 07/19/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | Based on the application date more recent tax returns could have been available. A XXXXX extension was provided. |  |  |  | Reviewer Comment (2022-07-27): Client elects to waive.<br>Reviewer Comment (2022-07-25): Client to review.<br>Seller Comment (2022-07-22): XX/XX/XX - MJP: Please see attached 4506C, 4868, and 7004. Per B1-1-03, Allowable Age of Credit Documents and Federal Income Tax Returns (XX/XX/XX), we are okay to proceed. |  |  | 07/27/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-07-28): Received Desk Review Report dated XX/XX/XX from Clear Capital with CDA value of $XXXX and with variance of 0.00% , verified and associated the document, hence exception cleared. | 07/28/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | The DTI of XXXX% exceeds the guidelines maximum of 45.00% The difference is due to missing rental income documentation for the borrowers departing primary residence in the amount of $5,500/mo and missing vacating primary rent justification. |  |  |  | Reviewer Comment (2022-07-25): Received Lease agreement for borrowers departing primary residence REO XXXXX in the amount of $5,500/monthly Dr. updated the details DTI is with in guidelines. Exception Cleared<br>Seller Comment (2022-07-22): XX/XX/XX - MJP: Please see attached Lease agreement | 07/25/2022 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) ofXXXX% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | The DTI of XXXX% exceeds the guidelines maximum of 45.00% The difference is due to missing rental income documentation for the borrowers departing primary residence in the amount of $5,500/mo and missing vacating primary rent justification. |  |  |  | Reviewer Comment (2022-07-25): Received Lease agreement for borrowers departing primary residence REO XXXXX in the amount of $XXXX/monthly Dr. updated the details DTI is with in guidelines. Exception Cleared<br>Seller Comment (2022-07-22): XX/XX/XX - MJP: Please see attached Lease agreement | 07/25/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | The DTI of XXXX% exceeds the guidelines maximum of 45.00% The difference is due to missing rental income documentation for the borrowers departing primary residence in the amount of $5,500/mo and missing vacating primary rent justification. |  |  |  | Reviewer Comment (2022-07-25): Received Lease agreement for borrowers departing primary residence REO XXXXX in the amount of $XXXX/monthly Dr. updated the details DTI is with in guidelines. Exception Cleared<br>Seller Comment (2022-07-22): XX/XX/XX - MJP: Please see attached Lease agreement | 07/25/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | The DTI of XXXX% exceeds the guidelines maximum of 45.00% The difference is due to missing rental income documentation for the borrowers departing primary residence in the amount of $5,500/mo and missing vacating primary rent justification. |  |  |  | Reviewer Comment (2022-07-25): Received Lease agreement for borrowers departing primary residence REO XXXXX in the amount of $XXXX/monthly Dr. updated the details DTI is with in guidelines. Exception Cleared<br>Seller Comment (2022-07-22): XX/XX/XX - MJP: Please see attached Lease agreement<br>Seller Comment (2022-07-22): XX/XX/XX - MJP: Ignore comment at 1:47PM<br>Seller Comment (2022-07-22): XX/XX/XX - MJP: Please see attached Income worksheets. DTI is XXXX%. | 07/25/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | Provide the final AUS run prior to Note date with DTI matching the 1008 provided. AUS provided is dated XX/XX/XX with a DTI exceeding the guideline max of 45%. |  |  |  | Reviewer Comment (2022-07-25): Received AUS document showing DTI within guideline verified and associated the document hence exception cleared.<br>Seller Comment (2022-07-22): XX/XX/XX - MJP: Please see attached AUS finding | 07/25/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2022-07-29): Received Insurance account and updated Clarity , now our reserves requirement met fully, verified and associated the document hence exception cleared.<br>Seller Comment (2022-07-28): XX/XX/XX KM: Please see the life insurance account for reserves. | 07/29/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / 2 days - CDA - No MLS Sheets |  |  |  | Reviewer Comment (2022-07-28): Received Desk Review Report dated XX/XX/XX from Clear Capital with CDA value of $XXXX and with variance of 0.00% , verified and associated the document, hence exception cleared.<br>Reviewer Comment (2022-07-26): Valuation Received - XX/XX/XX | 07/28/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. |  |  |  | Reviewer Comment (2022-08-18): Client elects to waive.<br>Reviewer Comment (2022-08-11): Client to review. |  |  | 08/18/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Second Home | Purchase |  | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. |  |  |  | Reviewer Comment (2022-08-18): Client elects to waive.<br>Reviewer Comment (2022-08-11): Client to review. |  |  | 08/18/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Second Home | Purchase |  | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 is less than amount of binding Lender Credit previously disclosed in the amount of $-10,893.00. | Provide documentation showing the Final Lender Credit is equal to the Binding Lender Credit. |  |  |  | Reviewer Comment (2022-07-28): SitusAMC received VCC.<br>Seller Comment (2022-07-26): lock and CD<br>Seller Comment (2022-07-26): A lock adjustment was processed on XX/XX/XX adding self-employment which caused a change to discount points. See attached lock confirmation and redisclosed CD. | 07/28/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $880.00 exceeds tolerance of $730.00. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $730.00 on LE but disclosed as $880.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $150.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-07-27): SitusAMC upon further review sufficient cure provided at closing.<br>Seller Comment (2022-07-26): Final CD<br>Seller Comment (2022-07-26): See attached final CD showing tolerance of $350 in section J for the increased appraisal fee. | 07/27/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | Based on the application date more recent tax returns could have been available. A XXXXX extension was provided. |  |  |  | Reviewer Comment (2022-07-27): Client elects to waive.<br>Reviewer Comment (2022-07-22): Client to review. |  |  | 07/27/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | Based on the application date more recent tax returns could have been available. A XXXXX extension was provided. |  |  |  | Reviewer Comment (2022-07-27): Client elects to waive.<br>Reviewer Comment (2022-07-22): Client to review. |  |  | 07/27/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | Based on the application date more recent tax returns could have been available. A XXXXX extension was provided. |  |  |  | Reviewer Comment (2022-07-27): Client elects to waive.<br>Reviewer Comment (2022-07-22): Client to review. |  |  | 07/27/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $880.00 exceeds tolerance of $730.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing. |  |  |  | Reviewer Comment (2022-07-28): Sufficient Cure Provided At Closing |  | 07/28/2022 |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,000.00 exceeds tolerance of $900.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $900.00 on Loan Estimate but disclosed as $1,000.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-06-24): Sufficient Cure Provided At Closing |  | 06/24/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  |  |  |  |  | Reviewer Comment (2022-07-19): Received AUS document, verified and associated the document hence exception cleared.<br>Seller Comment (2022-07-18): uploading the aus<br>Seller Comment (2022-07-15): uploading the aus | 07/19/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship Source Documentation was not provided |  | Missing a copy of the Borrowers Permanent Residency card. |  |  |  | Reviewer Comment (2022-07-20): XXXX received for both borrowers, verified and associated the documents hence exception cleared.<br>Seller Comment (2022-07-19): XXXX | 07/20/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Purchase |  | C | B | B | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | No evidence that the Initial CD dated XX/XX/XX was provided to the Borrowers at least 3 business days to Closing on XX/XX/XX. |  |  |  | Reviewer Comment (2022-07-21): XXXXX received XX/XX/XX CD<br>Seller Comment (2022-07-19): CD | 07/21/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | No Defined Cure | C | B | B | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $XXXX on page 4; however the HOA dues total $XXXX per year. Final CD reflects Estimated Taxes, Insurance & Assessments of $XXXX monthly, correct amount is $XXXX. Provide a post-close CD correcting the Escrow Account section on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-07-20): XXXXX received Post CD and LOX.<br>Seller Comment (2022-07-19): Attached is rebuttal for estimated amount of taxes, insurance, & assessments & supporting documentation<br>Seller Comment (2022-07-19): Attached is Amended CD & LOX to correct non-escrowed costs on pages 1 & 4 of CD |  | 07/20/2022 |  | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | B | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-07-19): Client elects to waive.<br>Seller Comment (2022-07-19): title |  |  | 07/19/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | The file is missing documentation to verify the start and end dates for the borrower's previous employment to verify a 2 year employment history, gaps, and length of gaps as required |  |  |  | Reviewer Comment (2022-07-21): Received Verification employment for borrower XXXXX of previous employment XXXXX, updated the start and end date of employment and LOE in file for employment gap. Exception Cleared<br>Seller Comment (2022-07-20): VVOE<br>Reviewer Comment (2022-07-20): Have not received missing documents, Provided third party verification, VVOE's not for XXXXX of borrower XXXXX previous employment, Please provide documentation to verify the start and end dates for the borrower's previous employment to verify a 2 year employment history. Exception Remains<br>Seller Comment (2022-07-19): VVOE and Full VOE | 07/21/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2022-07-22): Par rate and par rate price was provided to clear. | 07/22/2022 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees XXXXX | Qualified Mortgage (Dodd Frank XXXXX): Points and Fees on subject loan of XXXX% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $34,816.48 on a Federal Total Loan Amount of XXXXX vs. an allowable total of $26,499.34 (an overage of $8,317.14 or .94159%). | Points and Fees on subject loan of XXXX% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXXX on a Federal Total Loan Amount of XXXXX vs. an allowable total of $XXXX (an overage of $XXXX or XXXX%). |  |  |  | Reviewer Comment (2022-07-22): Par rate and par rate price was provided to clear.<br>Seller Comment (2022-07-20): Loan Discount Points Form | 07/22/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2022-07-21): XXXXX received XX/XX/XX CD<br>Seller Comment (2022-07-19): CD | 07/21/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | No Defined Cure | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - October XXXXX Testing | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $XXXX on page 4; however the Tax $XXXX HOI $XXXX. Provide a post-close CD correcting the Escrow Account section on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-07-20): XXXXX received TAX certificate.<br>Seller Comment (2022-07-19): Rebuttal with supporting documentation attached. CD is valid. | 07/20/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-06-29): Received XXXXX Reviewed for subject property secondary valuation updated the details. Exception Cleared | 06/29/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX / 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-06-29): Received XXXXX Reviewed for subject property secondary valuation updated the details. Exception Cleared<br>Reviewer Comment (2022-06-27): Valuation Received - XX/XX/XX | 06/29/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. |  | Final 1003 incorrectly states in Section 5: Declarations, Letter A, that the co-borrower will occupy the subject property as her primary residence. A corrected final 1003 is required. |  |  |  | Reviewer Comment (2022-08-09): Corrected declaration page received with Borrower initial. Exception cleared.<br>Seller Comment (2022-08-08): (XXXXX) XX/XX/XX: See attached page to final application with Section 5 Declarations, Letter A, correctly checked and initialed by the borrower to indicate No to occupying subject property as primary residence. | 08/09/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Second Home | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2022-07-29): Received tax certificate, Insurance verification and HOA verification for REO XXXXX updated the details. Exception Cleared<br>Seller Comment (2022-07-28): (XXXXX) Attached from the file is the REO documentation confirming taxes, insurance, and HOA dues on the property at XXXXX, along with documentation confirming property is owned free and clear. | 07/29/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Second Home | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2022-07-29): Received tax certificate, insurance verification for XXXXX updated the details. Exception Cleared<br>Seller Comment (2022-07-28): (XXXXX) See attached documentation from the file confirming property owned free and clear and verification of property taxes and insurance. | 07/29/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Second Home | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  |  |  |  |  | Reviewer Comment (2022-07-18): Received AUS document, verified and associated the document hence exception cleared.<br>Seller Comment (2022-07-15): AUS | 07/18/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Verified liquid assets in the amount of $XXXX are insufficient to meet cash to close of $0.00. Final 1008 reflects $XXXX verified, however, the file is missing asset documentation . |  |  |  | Reviewer Comment (2022-07-19): Received bank statements of checking ,savings and stock accounts as per listed on the final 1003, verified and associated the documents and exception cleared.<br>Seller Comment (2022-07-18): Asset Docs | 07/19/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation report required for securitization purposes. |  |  |  | Reviewer Comment (2022-08-03): CDA received and details verified. Exception cleared.<br>Seller Comment (2022-08-01): CDA<br>Reviewer Comment (2022-07-27): Provided Appraisal is already there in file. Please provide CDA for secondary valuation. Exception remains.<br>Seller Comment (2022-07-26): Appraisal | 08/03/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $11,539.60 exceeds tolerance of $5,024.00. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was last disclosed as $5,024.00 on LE but disclosed as $11,539.60 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-07-22): SitusAMC received documentation of receipt.<br>Seller Comment (2022-07-21): eConsent<br>Reviewer Comment (2022-07-19): SitusAMC has received valid COC dated XX/XX/XX for increase in discount points, however, e-cosent document is missing in file. Please provide borrower's earliest signed/accepted e-consent document to re-evaluate exception.<br>Seller Comment (2022-07-18): COC | 07/22/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-07-26): Received and associated UCDP Submission Summary Report, reflecting CU score as 1. Exception cleared.<br>Seller Comment (2022-07-25): SSR | 07/26/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Primary | Purchase |  | D | A | C | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2022-07-26): Received and associated Mortgage Statement, Tax Cert and HOI policy along with HOA verification doc with no HOA Dues. Exception cleared.<br>Seller Comment (2022-07-25): bk statements | 07/26/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | D | A | C | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | File is missing copy of the final AUS used in underwriting loan, 1008 document seen on file was used in place of the AUS. |  |  |  | Reviewer Comment (2022-07-26): Received AUS document, verified and associated the document hence exception cleared.<br>Seller Comment (2022-07-25): AUS | 07/26/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | D | A | C | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Verified liquid assets in the amount of XXXXX are insufficient to meet cash to close of XXXXX. Final 1008 reflects XXXXX verified, however, there are no documents in the file to support existence of the funds. Missing bank statements and Third party verification of Assets. Initial 1003 provided lists net proceeds from a pending sale of XXXXX that was not verified. |  |  |  | Reviewer Comment (2022-07-26): Received and associated Bank Statements, D1C Asset Verification and Closing Statement for the sold property. Available for Closing is now XXXXX which is more than Cash From Borrower. Exception cleared.<br>Seller Comment (2022-07-25): REO | 07/26/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | D | A | C | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-07-27): Received Desk Review Report dated XX/XX/XX from Clear Capital with CDA value of $XXXX and with variance of 0.00% , verified and associated the document, hence exception cleared. | 07/27/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $340.00 exceeds tolerance of $307.00 plus 10% or $337.70. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-07-20): Sufficient Cure Provided At Closing |  | 07/20/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / 2 days - CDA - No MLS Sheets |  |  |  | Reviewer Comment (2022-07-27): Received Desk Review Report dated XX/XX/XX from Clear Capital with CDA value of $XXXX and with variance of 0.00% , verified and associated the document, hence exception cleared.<br>Reviewer Comment (2022-07-25): Valuation Received - XX/XX/XX | 07/27/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | no policy amount mentioned on premium policy |  |  |  | Reviewer Comment (2022-07-19): Client elects to waive. |  |  | 07/19/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXXX exceeds tolerance of $XXXXX. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXXX exceeds tolerance of $XXXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2022-06-29): Sufficient Cure Provided At Closing |  | 06/29/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-07-05): Client elects to waive. |  |  | 07/05/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  |  |  |  |  | Reviewer Comment (2022-07-12): Received 442- certificate of completion , verified and associated the document hence exception cleared.<br>Seller Comment (2022-07-11): XXXXX XX/XX/XX CW - Please rescind. Please see attached 1004D | 07/12/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | A | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $90.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-07-05): Sufficient Cure Provided At Closing |  | 07/05/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | C | A | A | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-07-21): Received and associated XXXXXDesk Review dated XX/XX/XX with a value of XXXXX, which gives 0.00% variance from the Appraised value. Exception cleared. | 07/21/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Second Home | Purchase |  | D | B | A | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Notice of Special Flood Hazard Disclosure was provided to the borrower on XX/XX/XX |  |  |  | Reviewer Comment (2022-07-20): Client elects to waive.<br>Seller Comment (2022-07-20): DJ: Notice of Special Flood Hazard Disclosure sent to borrower XX/XX/XX |  |  | 07/20/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Second Home | Purchase |  | D | B | A | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX/ 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-07-21): Received and associated XXXXXDesk Review dated XX/XX/XX with a value of XXXXX, which gives 0.00% variance from the Appraised value. Exception cleared.<br>Reviewer Comment (2022-07-20): Valuation Received - XX/XX/XX | 07/21/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Second Home | Purchase |  | D | B | A | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. |  | Final Title Policy missing |  |  |  | Reviewer Comment (2022-07-19): Title Commitment received with updated coverage , verified and associated the document hence exception cleared.<br>Seller Comment (2022-07-18): Revised TP | 07/19/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Refinance - Cash-out - Other |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-07-08): Received Desk Review Report dated XX/XX/XX from XXXXX with XXXXX value of $XXXXX and with variance of 0.00% , verified and associated the document, hence exception cleared. | 07/08/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX / 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-07-08): Received Desk Review Report dated XX/XX/XX from XXXXX with XXXXX value of $XXXXX and with variance of 0.00% , verified and associated the document, hence exception cleared.<br>Reviewer Comment (2022-07-07): Valuation Received - XX/XX/XX | 07/08/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-08-12): Received and associated XXXXXDesk Review dated XX/XX/XX with a value of XXXXX, which gives 0.00% variance from the Appraised value. Exception cleared. | 08/12/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $95.91 exceeds tolerance of $95.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-08-03): Sufficient Cure Provided At Closing |  | 08/03/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX / 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-08-12): Received and associated XXXXXDesk Review dated XX/XX/XX with a value of XXXXX, which gives 0.00% variance from the Appraised value. Exception cleared.<br>Reviewer Comment (2022-08-10): Valuation Received - XX/XX/XX | 08/12/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | no policy amount mentioned on premium policy |  |  |  | Reviewer Comment (2022-07-19): Client elects to waive.<br>Seller Comment (2022-07-19): Title Policy |  |  | 07/19/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $825.00 exceeds tolerance of $800.00. Insufficient or no cure was provided to the borrower. | Appraisal Fee last disclosed as 800.00 LE but disclosed as $825.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-07-19): XXXXX sufficient cure provided at closing.<br>Seller Comment (2022-07-19): as per the attached Tolerance Comp Screen the $25 included in section J lender credits for increase in closing costs above legal limit on the final CD was to cure the appraisal fee increase. As the full increase was provided to the borrower at the time of disbursement no additional post closing refund is due the borrower at this time. | 07/19/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $520.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Pest Inspection FEe was not disclosed on LE but disclosed on Final Closing Disclosure as $520.00. Provide a post-close CD disclosing the tolerance cure to include $520.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-07-19): XXXXX received corrected PCCD.<br>Seller Comment (2022-07-19): the Pest Inspection was not a lender required service but rather an optional borrower selected service this cost has been updated in section H as a Borrower Pest Inspection on the attached PCCD and should be held to tolerance. | 07/19/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $825.00 exceeds tolerance of $800.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-07-19): Sufficient Cure Provided At Closing |  | 07/19/2022 |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase | Final CD evidences Cure | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Sole Proprietorship Income Documentation Test | Qualified Mortgage (Dodd-Frank XXXXX): Self-employed income documentation not sufficient (Sole Proprietorship). | The provided Personal Tax returns were not signed and Date. Also the balance sheet and YTD P& L are missing in the file. |  |  |  | Reviewer Comment (2022-08-09): Loan program updated per client request. Cleared.<br>Reviewer Comment (2022-08-08): Client to review. Appears incorrect loan program was locked.<br>Seller Comment (2022-08-05): P&L rebuttal<br>Reviewer Comment (2022-08-03): Document provided is not a P&L. Loan was locked under the XXXXX guidelines that are reviewed to Appendix Q and Fannie Mae guidelines. Appendix Q requires a YTD P&L. Exception remains.<br>Seller Comment (2022-08-02): Profit and Loss<br>Reviewer Comment (2022-07-29): Per guidelines: These guides are to be used in conjunction with Appendix Q and Fannie Mae Guidelines. Appendix Q requires YTD profit and loss. Exception remains.<br>Seller Comment (2022-07-28): This loan is with XXXXX, XXXXX does not require balance sheets or P&L if we have XXXXX returns.<br>Reviewer Comment (2022-07-27): Received sign and dated XXXXX 1040's, Balance Sheet associated. However, we still require signed and dated recent YTD P&L Statement for borrower Sole Proprietorship income. Exception Remains<br>Seller Comment (2022-07-26): Signature page and Taxes<br>Reviewer Comment (2022-07-20): Received and associated Balance Sheet. However, we still require signed and dated 1040 for the year XXXXX and YTD P&L Statement. Exception remains.<br>Seller Comment (2022-07-18): Profit and Loss | 08/09/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | A | A | C | B | A | A | Safe Harbor QM (43-Q) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (43-Q) does not match Due Diligence Loan Designation of Non QM. | Loan designation failure due to income documentation not been sufficient.. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2022-08-09): Loan program updated per client request. Cleared. | 08/09/2022 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | A | A | C | B | A | A | Safe Harbor QM (43-Q) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank XXXXX): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | Loan re-designated QM-APOR per client request. |  |  |  | Reviewer Comment (2022-08-19): Waiver per client |  |  | 08/19/2022 | 2 |  | A |  | B |  | B |  | B |  | A |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | A | A | C | B | A | A | Safe Harbor QM (43-Q) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $104.50 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. | Verification of Employment Fee was last disclosed as $100.00 on LE but disclosed as $104.50 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $4.50, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-07-25): Sufficient Cure Provided At Closing |  | 07/25/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan is compliant Higher Priced QM (APOR). |  |  |  | Reviewer Comment (2022-07-20): Client elects to restate loan designation to HPQM (APOR).<br>Seller Comment (2022-07-19): Lender agrees with finding. Please advise if anything further is needed.<br>Reviewer Comment (2022-07-15): Client to review. | 07/20/2022 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | A | A | C | B | C | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | XX/XX/XX CD is not signed by borrower nor provided an electronic copy to reflect borrower received 3 business days prior to closing. |  |  |  | Reviewer Comment (2022-07-21): XXXXX received proof of receipt.<br>Seller Comment (2022-07-19): See uploaded CD timing tracking | 07/21/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | No Defined Cure | C | B | A | A | C | B | C | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XX/XX/XX not received by borrower at least four (4) business days prior to closing. | XX/XX/XX LE is not signed by the borrower nor provided an electronic copy to reflect borrower received at least 4 business days prior to closing. |  |  |  | Reviewer Comment (2022-07-21): XXXXX received proof of receipt.<br>Seller Comment (2022-07-19): See uploaded Revised LE timing tracking | 07/21/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | No Defined Cure | C | B | A | A | C | B | C | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Data Integrity | Property - Appraisal | Appraiser's license or certification was not active at the time of the appraisal. |  |  |  |  |  | Reviewer Comment (2022-07-22): Received and associated license history which confirms the original license date is XXXXX, that means appraiser's license was active at the time of appraisal report, hence exception cleared.<br>Seller Comment (2022-07-21): See uploaded license history<br>Reviewer Comment (2022-07-21): Provided Appraiser's license is already there in file reflecting License Expiration Date as XX/XX/XX, however, Appraiser License Effective Date is XX/XX/XX and Appraisal Report date is XX/XX/XX. This means, at the time of Appraisal, License was not active. Please provide License History to verify that Appraiser's License was active at the time of Appraisal. Exception remains.<br>Seller Comment (2022-07-19): See uploaded appraiser's license that was not expired at the time the appraisal was completed | 07/22/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | A | A | C | B | C | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank XXXXX): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Client elects to restate loan designation to HPQM (APOR). |  |  |  | Reviewer Comment (2022-07-20): Client elected to restate loan designation to HPQM (APOR). |  |  | 07/20/2022 | 2 |  | A |  | B |  | B |  | B |  | A |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | A | A | C | B | C | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  |  |  |  |  | Reviewer Comment (2022-08-26): Received and associated Texas Home Equity Affidavit and Agreement with correct Notary Date as XX/XX/XX. Exception cleared.<br>Seller Comment (2022-08-24): (XXXXX) Correction Recorded TX Mortgage Notary Date corrected<br>Reviewer Comment (2022-08-05): Received subject property Texas Home Equity security Instrument dated XX/XX/XX However Notary dated XX/XX/XX and note date is XX/XX/XX, please provide updated/Correct Security instrument. Exception Remains<br>Seller Comment (2022-08-04): (XXXXX) XX/XX/XX - Mortgage document attached showing Texas Home loan document | 08/26/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Primary | Refinance - Cash-out - Home Improvement |  | D | A | D | A | D | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  |  |  |  |  | Reviewer Comment (2022-08-05): Received PUD Rider document for subject property updated the details. Exception Cleared<br>Seller Comment (2022-08-04): (XXXXX) XX/XX/XX - PUD Rider Attached with Mortgage document | 08/05/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Refinance - Cash-out - Home Improvement |  | D | A | D | A | D | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TILA | TILA NMLSR - Individual Originator License Status Not Approved | Truth in Lending Act (NMLSR Dodd- Frank XXXXX): Individual Loan Originator not in approved license status to conduct loan origination activities. | Loan Originator approved until XX/XX/XX, Note date XX/XX/XX |  |  |  | Reviewer Comment (2022-08-05): Received NMLS Consumer Access report subject Loan originator XXXXX active from XX/XX/XX to present updated the details. Exception Cleared<br>Seller Comment (2022-08-04): (XXXXX) XX/XX/XX - License information attached broker appears to been active from XXXXX to present | 08/05/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Refinance - Cash-out - Home Improvement |  | D | A | D | A | D | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) | Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender. | Texas Cash-out Fair Market Acknowledgment is not signed by Lender |  |  |  | Reviewer Comment (2022-08-05): Received Texas 50(a) (6) Acknowledgment regarding fair market value of Homestead property signed by both borrowers and lender updated the details. Exception Cleared<br>Seller Comment (2022-08-04): (XXXXX) XX/XX/XX - Signed Acknowledgment of Fair Market Value Disclosure by Lender | 08/05/2022 |  |  | 1 | C | A | C | A | C | A | C | A | D | A |  | XX | Primary | Refinance - Cash-out - Home Improvement | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents, (AFMV signed by the lender), and obtain an executed copy; OR (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. | D | A | D | A | D | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | Security Instrument for closing date of XX/XX/XX not provided to determine Right of Rescission Timing. |  |  |  | Reviewer Comment (2022-08-26): Received and associated Texas Home Equity Affidavit and Agreement with correct Notary Date as XX/XX/XX. Exception cleared.<br>Seller Comment (2022-08-24): (XXXXX) Correction Recorded TX Mortgage Notary Date corrected<br>Reviewer Comment (2022-08-05): Received Subject property Texas Home Equity Security Instrument where Notary date is XX/XX/XX due to this issue Right to Rescission timing discrepancy, once received correct Security Instrument with notary dated XX/XX/XX this exception will get cleared. Exception Remains<br>Seller Comment (2022-08-04): (XXXXX) XX/XX/XX - Sent Security Instrument Dated XX/XX/XX | 08/26/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Refinance - Cash-out - Home Improvement |  | D | A | D | A | D | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2022-08-25): Received Final Title policy dated XX/XX/XX with policy amount of XXXXX. and with Texas endorsement contains a T-42 and T-42.1 updated the details. Exception Cleared | 08/25/2022 |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Refinance - Cash-out - Home Improvement |  | D | A | D | A | D | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  | Reviewer Comment (2022-08-25): Received Final Title policy dated XX/XX/XX with policy amount of XXXXX. and with Texas endorsement contains a T-42 and T-42.1 updated the details. Exception Cleared<br>Seller Comment (2022-08-24): (XXXXX) Final Title policy with endorsements. | 08/25/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Refinance - Cash-out - Home Improvement | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | D | A | D | A | D | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Security Instrument did not disclose that loan is a Texas Home Equity Loan) | Unable to determine if the security instrument discloses that the loan is a TX Home Equity/50(a)(6) Loan due to missing documentation. |  |  |  |  | Reviewer Comment (2022-08-05): Received Subject property Security Instrument dated XX/XX/XX where we can verify the Texas Home Equity (50)(a)(6) Loan updated the details. Exception Cleared<br>Seller Comment (2022-08-04): (XXXXX) XX/XX/XX - Mortgage document attached showing Texas Home loan document | 08/05/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Refinance - Cash-out - Home Improvement | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | D | A | D | A | D | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-07-08): Received XXXXX Reviewed for subject property secondary valuation updated the details. Exception Cleared | 07/08/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Primary | Purchase |  | D | B | A | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | Transferred appraisals are not permitted per the guidelines. Provide an updated version of the appraisal in the lender's name |  |  |  | Reviewer Comment (2022-06-28): Client elects to waive. |  |  | 06/28/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | D | B | A | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX / 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-07-08): Received XXXXX Reviewed for subject property secondary valuation updated the details. Exception Cleared<br>Reviewer Comment (2022-07-07): Valuation Received - XX/XX/XX | 07/08/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase |  | D | B | A | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Evidence of earlier Notice of special flood hazard insurance disclosure not found in file. |  |  |  | Reviewer Comment (2022-07-20): Client elects to waive.<br>Seller Comment (2022-07-20): Flood Cert and TRID Disclosure<br>Seller Comment (2022-07-20): Per Regulation 22.9 (f) "... A bank will be considered to be in compliance with the requirement for notice to the borrower of this section by providing written notice to the borrower containing the language presented in appendix A to this part within a reasonable time before the completion of the transaction. The notice presented in appendix A to this part satisfies the borrower notice requirements of the Act." This does not state that it must be signed but only delivered to the borrower within a reasonable time. Please reference the attached Flood hazard area notice and TRID History highlighted in yellow showing it distributed and clicked. |  |  | 07/20/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Refinance - Cash-out - Other |  | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-08-08): Received and associated Supplemental to Title Commitment with Amount of Insurance XXXXX. Exception cleared.<br>Seller Comment (2022-08-05): XX/XX/XX RF see attached please clear thank you | 08/08/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $51.75 exceeds tolerance of $50.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $50.00 on LE but disclosed as $51.75 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-08-02): Sufficient Cure Provided At Closing |  | 08/02/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees XXXXX | Qualified Mortgage (Dodd Frank XXXXX): Points and Fees on subject loan of 3.49769% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $34,215.00 on a Federal Total Loan Amount of XXXXX vs. an allowable total of $29,346.49 (an overage of $4,868.51 or .49769%). | QM Points and Fees threshold exceeded by $114,868.51 or 1.51996%. Loan was consummated after XX/XX/XX. For loans consummated after this date, there is no longer any cure mechanism available for QM points and fees violations. |  |  |  | Reviewer Comment (2022-07-26): Itemization received. Offset provided for seller paid discount points.<br>Seller Comment (2022-07-25): QM finding<br>Seller Comment (2022-07-25): Itemization of settlement fees<br>Seller Comment (2022-07-25): A portion of the Discount charge and the Underwriting fee are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges and passing QM test with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. The Par rate(also known as undiscounted rate) is within 2% higher than APOR which allows for 1% bonafide discount to be applied. | 07/26/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2022-07-26): Itemization received. Offset provided for seller paid discount points.<br>Seller Comment (2022-07-25): Itemization of Settlement fees<br>Seller Comment (2022-07-25): QM finding<br>Seller Comment (2022-07-25): A portion of the Discount charge and the Underwriting fee are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges and passing QM test with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. The Par rate(also known as undiscounted rate) is within 2% higher than APOR which allows for 1% bonafide discount to be applied. | 07/26/2022 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank XXXXX): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | Based on the application date more recent tax returns could have been available. XXXXX extension was provided. |  |  |  | Reviewer Comment (2022-07-20): Client elects to waive.<br>Reviewer Comment (2022-07-19): Client to review.<br>Seller Comment (2022-07-18): XX/XX/XX AMB: Please see the attached IRS extension form 7004 for the XXXXX business returns for XXXXX |  |  | 07/20/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank XXXXX): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | Based on the application date more recent tax returns could have been available. XXXXX extension was provided. |  |  |  | Reviewer Comment (2022-07-20): Client elects to waive.<br>Reviewer Comment (2022-07-19): Client to review.<br>Seller Comment (2022-07-18): XX/XX/XX AMB: Please see the attached IRS extension form 7004 for the XXXXX business returns for XXXXX |  |  | 07/20/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | Based on the application date more recent tax returns could have been available. Business and personal return extensions were provided. |  |  |  | Reviewer Comment (2022-07-27): Client elects to waive.<br>Reviewer Comment (2022-07-26): Client to review. |  |  | 07/27/2022 | 2 |  | B |  | B |  | B |  | B |  | B |  | XX | Primary | Purchase |  | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | Based on the application date more recent tax returns could have been available. Business and personal return extensions were provided. |  |  |  | Reviewer Comment (2022-07-27): Client elects to waive.<br>Reviewer Comment (2022-07-26): Client to review. |  |  | 07/27/2022 | 2 |  | B |  | B |  | B |  | B |  | B |  | XX | Primary | Purchase |  | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-07-21): Received and associated XXXXXDesk Review dated XX/XX/XX with a value of XXXXX, which gives 0.00% variance from the Appraised value. Exception cleared. | 07/21/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX/ 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-07-21): Received and associated XXXXXDesk Review dated XX/XX/XX with a value of XXXXX, which gives 0.00% variance from the Appraised value. Exception cleared.<br>Reviewer Comment (2022-07-20): Valuation Received - XX/XX/XX | 07/21/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $73.44 exceeds tolerance of $60.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $60.00 on Loan Estimate but disclosed as $73.44 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $13.44, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-07-08): Sufficient Cure Provided At Closing |  | 07/08/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXXX exceeds tolerance of $XXXXX. Sufficient or excess cure was provided to the borrower at Closing. | Zero percent tolerance exceeded for Appraisal fee. Fee amount of $XXXXX exceeds tolerance of $XXXXX. Sufficient cure was provided. |  |  |  | Reviewer Comment (2022-06-27): Sufficient Cure Provided At Closing |  | 06/27/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXXXexceeds tolerance of $XXXXX. Sufficient or excess cure was provided to the borrower at Closing. | Zero percent tolerance exceeded for Credit Report fee. Fee amount of $XXXXX exceeds tolerance of $XXXXX. Sufficient cure was provided. |  |  |  | Reviewer Comment (2022-06-27): Sufficient Cure Provided At Closing |  | 06/27/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $XXXX on page 4; however the HOA dues total $XXXX per year. Final CD reflects Estimated Taxes, Insurance & Assessments of $XXXX monthly, correct amount is $XXXX. Provide a post-close CD correcting the Escrow Account section on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-08-04): Client elects to waive. |  |  | 08/04/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Validated ABA document with provided disclosures and updated Paid to as lender affiliate for the fees having Affiliate names |  |  |  | Reviewer Comment (2022-08-09): Client elects to waive. |  |  | 08/09/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $31.50 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Cure provided. |  |  |  | Reviewer Comment (2022-08-08): Sufficient Cure Provided At Closing |  | 08/08/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed XXXXX of title insurance coverage; however this is less than the loan amount of XXXXX. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-08-30): Client elects to waive |  |  | 08/30/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Refinance - Rate/Term |  | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-08-23): Sufficient Cure Provided At Closing |  | 08/23/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $650.00 exceeds tolerance of $275.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-08-23): Sufficient Cure Provided At Closing |  | 08/23/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - October XXXXX Testing | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX is accurate |  |  |  | Reviewer Comment (2022-08-04): XXXXX received supporting Tax Certificate<br>Seller Comment (2022-08-03): Taxes were figured from 2nd installment of XXXXX $5424.60 plus 1st installment of XXXXX $XXXX for a total of $XXXX, divided by 12 is $XXXX. The annual premium for HOI is $XXXX, divided by 12 is $XXXX. This brings a total monthly charge to $XXXX. This monthly amount times 11 months equals $XXXX, which is the amount on the final CD. Attached are the tax amounts and the HOI Dec Page. | 08/04/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account |  |  |  | Reviewer Comment (2022-08-05): XXXXX received Post CD and LOX.<br>Seller Comment (2022-08-04): LOX<br>Reviewer Comment (2022-08-04): XXXXX received Post CD however we also required LOX in order to cure the exception.<br>Seller Comment (2022-08-03): Corrected CD |  | 08/05/2022 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-08-09): Received approval document hence exception cleared.<br>Seller Comment (2022-08-08): Please see attached. | 08/09/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (43-Q) | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | A verification of employment is required and was not provided for the borrowers employment listed as XXXXX with XXXXX. |  |  |  | Reviewer Comment (2022-08-09): XXXXX employment updated to Employment Gap using LOE provided. No income docs provided to support income during XXXXX.<br>Seller Comment (2022-08-08): Please see attached written VOE and letter from borrower. | 08/09/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (43-Q) | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | A verification of employment is required and was not provided for the borrowers employment listed as XXXXX with XXXXX. |  |  |  | Reviewer Comment (2022-08-09): XXXXX employment updated to Employment Gap using LOE provided. No income docs provided to support income during XXXXX.<br>Seller Comment (2022-08-08): Please see attached written VOE and letter from borrower. | 08/09/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (43-Q) | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Employment History | Qualified Mortgage (Dodd-Frank XXXXX): Employment history requirement not met. | Failing QM due to missing employment verifications. A verification of employment is required and was not provided for the borrowers employment listed as XXXXX with XXXXX or XXXXX. All employment covering the most recent 2 years must be verified. If these were gaps in employment between contracts a letter of explanation is required along with a corrected 1003. |  |  |  | Reviewer Comment (2022-08-09): XXXXX employment updated to Employment Gap using LOE provided. No income docs provided to support income during XXXXX.<br>Seller Comment (2022-08-08): Please see attached written VOE and letter from borrower. | 08/09/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (43-Q) | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (43-Q) does not match Due Diligence Loan Designation of Non QM. | Failing QM due to missing employment verifications. A verification of employment is required and was not provided for the borrowers employment listed as XXXXX with XXXXX or XXXXX. All employment covering the most recent 2 years must be verified. If these were gaps in employment between contracts a letter of explanation is required along with a corrected 1003. |  |  |  | Reviewer Comment (2022-08-09): XXXXX employment updated to Employment Gap using LOE provided. No income docs provided to support income during XXXXX.<br>Seller Comment (2022-08-08): Please see attached written VOE and letter from borrower. | 08/09/2022 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Safe Harbor QM (43-Q) | Safe Harbor QM (43-Q) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency | Qualified Mortgage (Dodd-Frank XXXXX): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | Based on the application date more recent tax return could have been available. A XXXXX extension was provided. |  |  |  | Reviewer Comment (2022-08-11): Client elects to waive.<br>Reviewer Comment (2022-08-11): Client to review.<br>Seller Comment (2022-08-10): UW response: The borrower filed an extension for XXXXX returns which are not due until XXXXX. The most recent 2 years available were provided which were XXXXX and XXXXX. We cannot require the borrower to file the XXXXX returns. |  |  | 08/11/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (43-Q) | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank XXXXX): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | Based on the application date more recent tax return could have been available. A XXXXX extension was provided. |  |  |  | Reviewer Comment (2022-08-09): XXXXX employment updated to Employment Gap using LOE provided. No income docs provided to support income during XXXXX. | 08/09/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (43-Q) | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | Based on the application date more recent tax returns could have been available. A XXXXX extension was provided. |  |  |  | Reviewer Comment (2022-08-04): Client elects to waive.<br>Reviewer Comment (2022-08-01): Client to review.<br>Seller Comment (2022-07-28): Attaching documents.<br>Seller Comment (2022-07-28): XX/XX/XX AMB: Please rescind. The 4868 IRS Extension Form and 7004 Business Extension Form was provided for the borrower's XXXXX tax returns, along with the XXXXX NROR for the tax transcripts. Therefore, the XXXXX returns are the most recent returns available. |  |  | 08/04/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $21,240.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $21,240.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2022-08-15): SitusAMC received CD dated XX/XX/XX and COC dated XX/XX/XX available for Loan program change and change in pricing.<br>Seller Comment (2022-08-12): CofC and redisclosure<br>Seller Comment (2022-08-12): On XX/XX/XX there was a rate change from 5.875 to 6.250% and a program change which caused the pricing to go from a credit to a charge and a disclosure went to the borrower.<br>Reviewer Comment (2022-08-08): SitusAMC Received COC dated XX/XX/XX stating "By switching this to borrower borrower paid it reduces the need to charge discount points, because borrower is paying compensation directly" which is not valid reason as XX/XX/XX CD reflects total borrower paid Origination charges (Section A) in the amount of $10,589.40 which includes Discount point $9,534 & UW fee $1,055. The XX/XX/XX CD reflects as $26,561.88, which is increased comparing with CD dated XX/XX/XX. Please provide a valid COC with additional information as to why the compensation was switching into lender paid to borrower paid and increasing the Total Origination charges (Section A) on CD dated XX/XX/XX or Cure is required.<br>Seller Comment (2022-08-05): CofC<br>Seller Comment (2022-08-05): See attached CofC provided on XX/XX/XX showing the reason the loan was flipped to Borrower paid compensation<br>Reviewer Comment (2022-08-05): SitusAMC agreed that the below comment for the origination amount was same and discount point decreased. However, attached XX/XX/XX CD reflects total borrower paid Origination charges (Section A) in the amount of $10,589.40 which includes Discount point $9,534 & UW fee $1,055. The XX/XX/XX CD reflects as $26,561.88, which is increased comparing with CD dated XX/XX/XX. Also, provided COC does not mentioned valid reason as to why the compensation has been changed from Lender paid to borrower paid. Please provide a valid COC with additional information as to why the compensation was switching into lender paid to borrower paid and increasing the Total Origination charges (Section A) on CD dated XX/XX/XX or Cure is required.<br>Seller Comment (2022-08-04): XX/XX/XX CD and XX/XX/XX CD<br>Seller Comment (2022-08-04): See attached XX/XX/XX CD which reflects the Origination of $21,240.00 and discount points of $9,534.40. The XX/XX/XX CD is also attached which shows origination is still $21,240.00 and the discount points lowered to $4,266.88 by switching to Borrower Paid comp.<br>Reviewer Comment (2022-07-22): SitusAMC - After removing XX/XX/XX CD issued by tile, Origination compensation changed from lender paid to borrower paid on XX/XX/X. COC dated XX/XX/XX states 'by switching to borrower paid, it reduced the need to charge discount points because the borrower is paying the compensation directly." Though the discount points reduced, but overall origination charges paid by borrower increased from $10589.40 on XX/XX/XX CD to $26561.88 on XX/XX/XX CD & also loan was already locked. Please provide additional information that explains the need for compensation change to borrower paid & how it benefited the borrower or provide cure documents. Exception remains.<br>Seller Comment (2022-07-21): The CD dated XX/XX/XX is a Title issued CD and has no standing in the transaction as its used for balancing purposes only for the title agent. UWM is the creditor and UWM's CD's should be the only ones used.<br>Reviewer Comment (2022-07-15): SitusAMC received COC dated XX/XX/XX and a supporting rate lock conformation was provided in original file for the compensation was changed from Lender paid to borrower paid. However, fee has been changed from Lender paid to borrower paid on CD dated XX/XX/XX and file does not contain a valid COC for the fee changed. Please provide evidence if that the CD dated XX/XX/XX was not disclosed to borrower or else provide valid COC with additional information for the fee changed on CD dated XX/XX/XX. Other wise Cure is required.<br>Seller Comment (2022-07-15): CS XX/XX/XX The origination started as lender paid when the loan was first locked. Due to this the compensation will not show on the Loan estimate. On XX/XX/XX there was a Change Of Circumstance done changing the compensation form lender paid to borrower paid. By switching this to borrower paid, it reduces the need to charge discount points because the borrower is paying the compensation directly. There was a Closing disclosure that went out following for re-disclosure. Please see attached Closing disclosure and Change Of Circumstance form. | 08/15/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after XX/XX/XX contains a change in APR and was not received by borrower at least three (3) business days prior to consummation | Origination fee was changed to borrower paid on XX/XX, increasing the APR. The loan closed on XX/XX/XX. The borrower was not allowed 3 day waiting period. No waiver was located in the loan file. No visible means to cure. |  |  |  | Reviewer Comment (2022-08-19): Proof of receipt provided.<br>Seller Comment (2022-08-17): CD<br>Seller Comment (2022-08-17): See attached CD issued on XX/XX/XX, the borrowers signed bottom of the first page.<br>Reviewer Comment (2022-08-10): SitusAMC received XX/XX/XX CD. Updated exception to reflect that the XX/XX/XX which reflected the change in APR over .125% was not received by borrower within 3 business days of closing date of XX/XX/XX. CD did not reflect a signature or proof of receipt and mailbox rule is in effect with receipt date of XX/XX/XX which is insufficient timing requirement. Provide proof of earlier receipt of APR change within 3 business days of closing.<br>Reviewer Comment (2022-08-10): Exception Detail Updated from: TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after XX/XX/XX contains a change in APR and was not received by borrower at least three (3) business days prior to consummation<br>Seller Comment (2022-08-08): CD<br>Seller Comment (2022-08-08): Please see the attached Revised CD XX/XX/XX wet signed by both borrowers. | 08/19/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase | TRID timing exception, no remediation available. | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  |  |  | Reviewer Comment (2022-08-03): Received borrower credit report order date is XX/XX/XX updated the details. Exception Cleared<br>Seller Comment (2022-08-02): XX/XX/XX KM: Please see the attached credit report. | 08/03/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Primary | Refinance - Cash-out - Other |  | D | B | D | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2022-08-04): Received and associated Clear Capital Desk Review dated XX/XX/XX with a value of $XXXX, which gives 0.00% variance from the Appraised value. Exception cleared. | 08/04/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Primary | Refinance - Cash-out - Other |  | D | B | D | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Required Credit Report Not Provided to Evidence Debts | Qualified Mortgage (Dodd-Frank 2014): The loan file does not contain a Credit report to evidence the consumers outstanding liabilities. |  |  |  |  | Reviewer Comment (2022-08-03): Received borrower credit report order date is XX/XX/XX updated the details. Exception Cleared<br>Seller Comment (2022-08-02): XX/XX/XX KM: Please see the attached credit report. | 08/03/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Refinance - Cash-out - Other |  | D | B | D | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Credit History | Ability to Repay (Dodd-Frank 2014): Unable to verify debt obligations using reasonably reliable third-party records. | Triggered due to missing credit report |  |  |  | Reviewer Comment (2022-08-03): Received borrower credit report order date is XX/XX/XX updated the details. Exception Cleared<br>Seller Comment (2022-08-02): XX/XX/XX KM: Please see the attached credit report. | 08/03/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Refinance - Cash-out - Other |  | D | B | D | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Triggered due to missing credit report. |  |  |  | Reviewer Comment (2022-08-03): Received borrower credit report order date is XX/XX/XX updated the details. Exception Cleared | 08/03/2022 |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Refinance - Cash-out - Other |  | D | B | D | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / 2 days - CDA - No MLS Sheets |  |  |  | Reviewer Comment (2022-08-04): Received and associated Clear Capital Desk Review dated XX/XX/XX with a value of $XXXX, which gives 0.00% variance from the Appraised value. Exception cleared.<br>Reviewer Comment (2022-08-03): Valuation Received - XX/XX/XX | 08/04/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Refinance - Cash-out - Other |  | D | B | D | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. |  |  |  |  | Reviewer Comment (2022-08-11): Client elects to waive.<br>Reviewer Comment (2022-08-05): Client to review.<br>Seller Comment (2022-08-03): XX/XX/XX AMB: Please see the attached extension form for the XXXXX business returns for XXXXX. |  |  | 08/11/2022 | 2 |  | B |  | B |  | B |  | B |  | B |  | XX | Primary | Refinance - Cash-out - Other |  | D | B | D | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-07-13): Received Desk Review Report dated XX/XX/XX from XXXXXwith XXXXX value of XXXXX and with variance of 0.00% , verified and associated the document, hence exception cleared. | 07/13/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Primary | Refinance - Rate/Term |  | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XX). | Final CD disclosed total maximum payments for each stream incorrectly rounded upward. Lender to provide corrected disclosure rounding total payment downward. Lender to provide corrected CD, and copy of letter sent to borrower explaining changes. |  |  |  | Reviewer Comment (2022-07-27): XXXXX received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD.<br>Seller Comment (2022-07-25): Hello - The borrower is paying off a construction loan. This is a purchase (construction to perm). RTC is not needed. See the attached.<br>Reviewer Comment (2022-07-22): Missing RTC. This is a material exception on a refinance transaction which requires re-opening of RTC to complete cure.<br>Seller Comment (2022-07-20): DJ: See the attached LOX, PCCD, POD. Matched PCCD to final settlement statement.<br>Reviewer Comment (2022-07-12): Credit report fee increased from $22.67 to $60.28 on the PCCD, causing the TOP exception. Because this is a material exception on a refinance transaction a PCCD, LOE, Proof of delivery, and re-opening of RTC is required to cure. Closing statement shows the borrower was not charged the increased fee so no refund is required at this time.<br>Seller Comment (2022-07-08): SS<br>Seller Comment (2022-07-08): Disagree: TOP = P&I (($XXXX x XXXX) + $XXXX) + Total Loan Costs (Section D) $XXXX + Prepaid Interest $XXXX = $XXXX. TOP is accurate. CD dated XX/XX/XX is a PCCD which includes the accurate amount of the Credit Report Fee, however, borrower was charged the amount listed on the Final CD XX/XX/XX. Please see the attached Final Settlement Statement. |  | 07/27/2022 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $775.00 exceeds tolerance of $725.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero percent tolerance exceeded for appraisal fee. Fee amount of $775.00 exceeds tolerance of $725.00. Sufficient or excess cure was provided. |  |  |  | Reviewer Comment (2022-07-05): Sufficient Cure Provided At Closing |  | 07/05/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX/ 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-07-13): Received Desk Review Report dated XX/XX/XX from XXXXXwith XXXXX value of XXXXX and with variance of 0.00% , verified and associated the document, hence exception cleared.<br>Reviewer Comment (2022-07-11): Valuation Received - XX/XX/XX | 07/13/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Refinance - Rate/Term |  | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | Based on the application date more recent tax returns could have been available. |  |  |  | Reviewer Comment (2022-07-13): Client elects to waive.<br>Reviewer Comment (2022-07-11): Client to review. |  |  | 07/13/2022 | 2 |  | B |  | B |  | B |  | B |  | B |  | XX | Primary | Refinance - Rate/Term |  | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XX). | Disclosure reflects TOP of $2,142,784.05 but calculated TOP of $2,142,859.05. Variance = $75.00. |  |  |  | Reviewer Comment (2022-09-08): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission.<br>Seller Comment (2022-09-06): RTC,Final CD,LOE,FedEx<br>Seller Comment (2022-09-06): See attached RTC, LOE, Final CD, and FedEx label<br>Reviewer Comment (2022-09-02): SitusAMC received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure and proof of mailing. However, as this is a rescindable transaction, the reopening of rescission is also required. Provide proof rescission reopened for all borrower to finalize.<br>Seller Comment (2022-08-31): LOE, check, RTC, PCCD, FedEx<br>Seller Comment (2022-08-31): See attached check, PCCD, LOE, and FedEx label. Also, Right to Cancel, Final CD, LOE, and FedEx label<br>Reviewer Comment (2022-08-23): To clarify that the variance for the TOP is $100 for purchases and $35 for rescindable transactions. Referencing 1026.23(g) for Tolerances for Accuracy. If one looks at 1026.23(g)(1), it states, a one-half of 1 percent tolerance "Except as provided in paragraphs (g)(2) and (h)(2)": The reference above points to 1026.23(h)(2) that limits the tolerance to $35 in the event the loan goes to foreclosure, if it is the consumer's principal dwelling: Understanding the lender did not originate a loan in foreclosure, the exception is cited because in the event the borrower does end up in foreclosure, they can rescind the loan based on the under-disclosure. In the event they do rescind, the assignee would be required to refund all the fees paid on the loan including interest collected. The rating agencies require an EV3-C level exception in the event the exception carries assignee liability, impairs the asset, or would be an impediment to foreclosure. They do not ignore the possibility that some loans go into foreclosure and therefore the thresholds for rescindable loans is $35. It is also worth noting that SitusAMC reviews loans in accordance with SFA TRID Grid v3. The grid states the threshold is $35 for rescindable transactions and $100 for non-rescindable transactions. Corrected CD, LOE to borrower, copy of cure to borrower for full underdisclosure of $75, proof of mailing and the proof of reopening of resicssion to all borrowers is required.<br>Seller Comment (2022-08-19): Per TILA 1026.38(o)(1)(i) the TOP is considered accurate if it is understated by no more than $100 - see regs below.<br>TILA 1026.38(o)(1)(i)<br>o) Loan calculations. In a separate table under the heading "Loan Calculations":<br>(1) Total of payments. The "Total of Payments,' using that term and expressed as a dollar amount, and a statement that the disclosure is the total the consumer will have paid after making all payments of principal, interest, mortgage insurance, and loan costs, as scheduled. The disclosed total of payments shall be treated as accurate if the amount disclosed as the total of payments:<br>(i) Is understated by no more than $100; or<br>(ii) Is greater than the amount required to be disclosed. |  | 09/08/2022 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX 1040's and business returns. |  |  |  | Reviewer Comment (2022-08-04): Client elects to waive.<br>Reviewer Comment (2022-08-01): Client to review.<br>Seller Comment (2022-07-29): XX/XX/XX JH: Please rescind. Per FNMA B1-1-03, as the 1003 was signed prior to XX/XX/XX, as the loan closed prior to XX/XX/XX, and as the XXXXX tax extension has been documented, the XXXXX personal and business tax returns are acceptable documentation to calculate the qualifying income without additional documentation. |  |  | 08/04/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Second Home | Purchase |  | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX 1040's and business returns. |  |  |  | Reviewer Comment (2022-08-04): Client elects to waive.<br>Reviewer Comment (2022-08-01): Client to review.<br>Seller Comment (2022-07-29): XX/XX/XX JH: Please rescind. Per FNMA B1-1-03, as the 1003 was signed prior to XX/XX/XX, as the loan closed prior to XX/XX/XX, and as the XXXXX tax extension has been documented, the XXXXX personal and business tax returns are acceptable documentation to calculate the qualifying income without additional documentation. |  |  | 08/04/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Second Home | Purchase |  | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX 1040's and business returns. |  |  |  | Reviewer Comment (2022-08-04): Client elects to waive.<br>Reviewer Comment (2022-08-01): Client to review.<br>Seller Comment (2022-07-29): XX/XX/XX JH: Please rescind. Per FNMA B1-1-03, as the 1003 was signed prior to XX/XX/XX, as the loan closed prior to XX/XX/XX, and as the XXXXX tax extension has been documented, the XXXXX personal and business tax returns are acceptable documentation to calculate the qualifying income without additional documentation. |  |  | 08/04/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Second Home | Purchase |  | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX 1040's and business returns. |  |  |  | Reviewer Comment (2022-08-04): Client elects to waive.<br>Reviewer Comment (2022-08-01): Client to review.<br>Seller Comment (2022-07-29): XX/XX/XX JH: Please rescind. Per FNMA B1-1-03, as the 1003 was signed prior to XX/XX/XX, as the loan closed prior to XX/XX/XX, and as the XXXXX tax extension has been documented, the XXXXX personal and business tax returns are acceptable documentation to calculate the qualifying income without additional documentation. |  |  | 08/04/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Second Home | Purchase |  | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | State Compliance | Misc. State Level | Colorado Home Loan (Ability to Repay not Verified) | Colorado Home Loan (HB1322): Borrower's ability to repay not verified with reliable documentation. |  |  |  |  | Reviewer Comment (2022-08-11): Client elects to waive.<br>Reviewer Comment (2022-08-10): Client to review.<br>Seller Comment (2022-08-09): XX/XX/XX KM: Please note that we met have documented the borrower's ability to repay with the income and credit analysis. Please rescind. |  |  | 08/11/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Refinance - Cash-out - Other |  | D | B | B | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 is less than amount of binding Lender Credit previously disclosed in the amount of $-819.00. | Lender Credits was last disclosed as $-819.00 on LE but disclosed as $0.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure. |  |  |  | Reviewer Comment (2022-08-10): XXXXX received valid changed circumstance with additional information.<br>Seller Comment (2022-08-08): CofC, LC<br>Seller Comment (2022-08-08): Please see the attached CofC and Lock Confirmation. The lock needed to be extended, increasing the pricing of the loan. | 08/10/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | B | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-08-12): Received XXXXX Reviewed for subject property secondary valuation updated the details. Exception Cleared | 08/12/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Primary | Refinance - Cash-out - Other |  | D | B | B | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-08-09): Client elects to waive. |  |  | 08/09/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Refinance - Cash-out - Other |  | D | B | B | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX/ 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-08-12): Received XXXXX Reviewed for subject property secondary valuation updated the details. Exception Cleared<br>Reviewer Comment (2022-08-11): Valuation Received - XX/XX/XX | 08/12/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Refinance - Cash-out - Other |  | D | B | B | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX 1040's and business returns. |  |  |  | Reviewer Comment (2022-08-11): Client elects to waive.<br>Reviewer Comment (2022-08-05): Client to review.<br>Seller Comment (2022-08-03): XX/XX/XX KM: Please reduce to a non-material level. |  |  | 08/11/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2022-08-11): Fully executed lease agreement provided for XXXXX.<br>Reviewer Comment (2022-08-09): The provided lease agreement is blank. This is generally due to uploading a editable PDF. The editable fields will be deleted by the system upon processing the document upload. Make sure to print to PDF to lock the editable fields prior to upload.<br>Seller Comment (2022-08-08): XX/XX/XX KM: Lease agreement attached should show all information. Portal is not saving the figures.<br>Reviewer Comment (2022-08-05): Lease was not attached. Please upload for review.<br>Seller Comment (2022-08-03): XX/XX/XX KM: Please see the attached lease. | 08/11/2022 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - REO 25% Method | General QM: Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. | Rental income used to qualify based on vacancy method. Lease agreement was not provided. |  |  |  | Reviewer Comment (2022-08-11): Fully executed lease agreement provided for XXXXX.<br>Seller Comment (2022-08-10): XX/XX/XX KM: Lease with full details attached.<br>Reviewer Comment (2022-08-09): The provided lease agreement is blank. This is generally due to uploading a editable PDF. The editable fields will be deleted by the system upon processing the document upload. Make sure to print to PDF to lock the editable fields prior to upload.<br>Seller Comment (2022-08-08): XX/XX/XX KM: Lease agreement attached should show all information. Portal is not saving the figures.<br>Reviewer Comment (2022-08-04): Received Rental agreement already in file which is not duly filled property address, name of both the parties and monthly rent & fees, term and other details, Please provide complete signed Lease agreement with all details or provide comparable rent schedule for Borrowers investment property #XXXXX. Exception Remains<br>Seller Comment (2022-08-03): XX/XX/XX KM: Please see the attached lease. | 08/11/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $128.00 exceeds tolerance of $105.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-08-02): Sufficient Cure Provided At Closing |  | 08/02/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by XXXXX. Provide updated policy reflecting minimum coverage of XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2022-07-12): Received email from Insurance company confirming the policy has 100% replacement cost to replace in the event of total loss. Exception cleared.<br>Seller Comment (2022-07-11): email | 07/12/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Second Home | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Review determined loan to be Higher Priced QM APOR. |  |  |  | Reviewer Comment (2022-07-14): Per client directive, loan has been re-designated HP QM (APOR)<br>Reviewer Comment (2022-07-12): Client to review.<br>Seller Comment (2022-07-11): XXXXX | 07/14/2022 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | XX | Second Home | Purchase | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank XXXXX): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Per client directive loan has been re-designated. |  |  |  | Reviewer Comment (2022-07-14): Client elects to waive. |  |  | 07/14/2022 | 2 |  | A |  | B |  | B |  | B |  | A |  | XX | Second Home | Purchase | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Disclosures were sent to borrower prior to obtain consent for electronic disclosure from borrower. Lender to provide proof of consent within initial 3 days of application OR proof of disclosure sent to borrower using another method within 3 days of application. |  |  |  | Reviewer Comment (2022-07-29): SitusAMC received e-signed consent dated XX/XX/XX.<br>Seller Comment (2022-07-28): eConsent<br>Seller Comment (2022-07-28): Please see the attached eConsent. | 07/29/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $249.50 exceeds tolerance of $200.00 plus 10% or $220.00. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded by $49.50 due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $21.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-07-29): SitusAMC sufficient cure provided at closing.<br>Seller Comment (2022-07-28): CS XX/XX/XX Please see attached Final Closing Disclosure that shows a credit was given to the borrower at closing in the form of a tolerance in the amount of $29.50 in section J on the Closing Disclosure for the increase in 10% fees from $20 (10% threshold of $220) to $249.50 | 07/29/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 is less than amount of binding Lender Credit previously disclosed in the amount of $-3,427.00. | No valid change circumstance on file. |  |  |  | Reviewer Comment (2022-08-01): SitusAMC received valid changed circumstance.<br>Seller Comment (2022-07-28): CofC, LC, LE, TRID<br>Seller Comment (2022-07-28): Please see the attached CofC, Lock Confirmation, Revised LE and TRID History. The loan program changed on XX/XX/XX (see CofC), which changed pricing of the loan (see Lock Confirm). This was disclosed to the borrower on XX/XX/XX (see LE and TRID History as proof of delivery). | 08/01/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $249.50 exceeds tolerance of $200.00 plus 10% or $220.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure at closing. |  |  |  | Reviewer Comment (2022-08-01): Sufficient Cure Provided At Closing |  | 08/01/2022 |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXXXexceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-08-11): Sufficient Cure Provided At Closing |  | 08/11/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $XXXXX exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-08-11): Sufficient Cure Provided At Closing |  | 08/11/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-07-19): Client elects to waive. |  |  | 07/19/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Missing evidence of transfer of funds and source of funds for gift in the amount of XXXXX. |  |  |  | Reviewer Comment (2022-07-20): Received and associated Wire Confirmation verifying transfer of funds in the amount of XXXXX from Donor's account to Settlement Agent's account. Exception cleared.<br>Seller Comment (2022-07-19): Please see attached. | 07/20/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Missing evidence of transfer of funds and source of funds for gift in the amount of XXXXX. |  |  |  | Reviewer Comment (2022-07-20): Received and associated Wire Confirmation verifying transfer of funds in the amount of XXXXX from Donor's account to Settlement Agent's account. Exception cleared.<br>Seller Comment (2022-07-19): Please see attached. | 07/20/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Missing evidence of transfer of funds and source of funds for gift in the amount of XXXXX. |  |  |  | Reviewer Comment (2022-07-20): Received and associated Wire Confirmation verifying transfer of funds in the amount of XXXXX from Donor's account to Settlement Agent's account. Exception cleared.<br>Seller Comment (2022-07-19): Please see attached. | 07/20/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | DTI Discrepancy is as a result of calculated Investment REO negative cash of $309.85 for Borrowers Investment property at XXXXX which was reflected as negative cash of $300 on AUS. |  |  |  | Reviewer Comment (2022-07-21): Received updated 1003, 1008 and UW Income analysis worksheet for Co-Borrower XXXXX wage income recalculated YTD XXXXX recent paystub in file ending XX/XX/XX considered conservative income DTI is with in guidelines. Exception Cleared<br>Seller Comment (2022-07-20): Please see attached. | 07/21/2022 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of XXXX% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | DTI Discrepancy is as a result of calculated Investment REO negative cash of $XXXX for Borrowers Investment property at XXXXX which was reflected as negative cash of $300 on AUS. |  |  |  | Reviewer Comment (2022-07-21): Received updated 1003, 1008 and UW Income analysis worksheet for Co-Borrower XXXXX wage income recalculated YTD XXXXX recent paystub in file ending XX/XX/XX considered conservative income DTI is with in guidelines. Exception Cleared<br>Seller Comment (2022-07-20): Please see attached. | 07/21/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | DTI Discrepancy is as a result of calculated Investment REO negative cash of $XXXX for Borrowers Investment property at XXXXX which was reflected as negative cash of $300 on AUS. |  |  |  | Reviewer Comment (2022-07-21): Received updated 1003, 1008 and UW Income analysis worksheet for Co-Borrower XXXXX wage income recalculated YTD XXXXX recent paystub in file ending XX/XX/XX considered conservative income DTI is with in guidelines. Exception Cleared<br>Seller Comment (2022-07-20): Please see attached. | 07/21/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | DTI Discrepancy is as a result of calculated Investment REO negative cash of $XXXX for Borrowers Investment property at XXXXX which was reflected as negative cash of $300 on AUS. |  |  |  | Reviewer Comment (2022-07-21): Received updated 1003, 1008 and UW Income analysis worksheet for Co-Borrower XXXXX wage income recalculated YTD XXXXX recent paystub in file ending XX/XX/XX considered conservative income DTI is with in guidelines. Exception Cleared<br>Seller Comment (2022-07-20): Please see attached. | 07/21/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | No policy amount mentioned on prelim policy |  |  |  | Reviewer Comment (2022-08-08): Updated title provided. Cleared. | 08/08/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Purchase |  | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $500.00 exceeds tolerance of $408.00 plus 10% or $448.80. Sufficient or excess cure was provided to the borrower at Closing. | 10% tolerance was exceeded by $92 due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $92.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-08-01): Sufficient Cure Provided At Closing |  | 08/01/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $130.00 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-07-26): Sufficient Cure Provided At Closing |  | 07/26/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | A verification of employment within 10 business days of the note is required. Provide a Verification of Employment that was made within 10 business days of the note. |  |  |  | Reviewer Comment (2022-09-30): Documentation received<br>Seller Comment (2022-09-30): Please review VOE, no comments or update as of yet.<br>Seller Comment (2022-09-28): VOE to clear. | 09/30/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $495.00 exceeds tolerance of $440.00 plus 10% or $484.00. Sufficient or excess cure was provided to the borrower at Closing. | 10% tolerance was exceeded by $11 due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $11.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-09-20): Sufficient Cure Provided At Closing |  | 09/20/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank XXXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Provide updated documentation that shows the appraisal was delivered after the report date. |  |  |  | Reviewer Comment (2022-09-28): Client elects to waive.<br>Seller Comment (2022-09-28): App delivery. |  |  | 09/28/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Total Property Costs Year 1 - October 2018 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | The final CD disclosed the Amount of Total Property Costs over Year 1 as $XXXX on page 4; however the annual taxes ($XXXX) and homeowners insurance ($XXXX) total are $XXXX per year. Final CD reflects Estimated Taxes, Insurance & Assessments of $XXXX monthly, correct amount is $XXXX. Provide a post-close CD correcting on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-09-13): XXXXX Received PCCD and Letter of Explanation with reflecting changes in the estimated Cost over 1 year section.<br>Seller Comment (2022-09-12): attached the updated PCCD with revised estimated property costs as cited by the investor. I did notice that the investor's figures did not include the HOA dues for $XXXX monthly as per the 1st page of the appraisal so I have included that as well for reference if needed |  | 09/13/2022 |  | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $9,745.00 exceeds tolerance of $6,356.00 plus 10% or $6,991.60. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded by $2,753.40 due to addition of Early Issue Fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $2,753.40, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-09-20): XXXXX Upon further review, sufficient cure was provided at closing<br>Reviewer Comment (2022-09-13): XXXXX: Cure provided at closing is insufficient to cure for all the citing 0% and 10% exception. We will clear the exception once we received resolution on the 0% tolerance exception citing. Exception remains.<br>Seller Comment (2022-09-12): attached Tolerance Comp Screen the $3,041.40 included in section J lender credits for increase in closing costs above legal limit on the final CD was to cure the 10% Cumulative Tolerance & appraisal Re-Inspection fee increases. As the full increase was provided to the borrower at the time of disbursement no additional post closing refund is due the borrower at this time for these costs. | 09/20/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $900.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $900.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-09-20): XXXXX Received PCCD, LOE, Payment history for Principal reduction for the cure provided<br>Seller Comment (2022-09-19): attached the updated PCCD and payment history to re-disclose and confirm that the cited cost has been cured with a principal reduction<br>Reviewer Comment (2022-09-13): XXXXX received updated LE with corresponding COC on XX/XX/XX, which indicates "CDA is required if the SSR is >2.5 or Indeterminate. A CDA value variance > 10% required a Second Appraisal fee. But, there is no CDA document in file to validate the Second Appraisal is required or not, since the FNMA SSR reflects Risk Score is 3.1, which is >2.5. Please provide a valid COC with supporting document when lender become aware of the 2nd Appraisal fee is required or Cure is required to borrower to clear this exception.<br>Seller Comment (2022-09-12): attached the revised XX/XX/XX COC LE with additional details added regarding the 2nd appraisal fee increase |  | 09/20/2022 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $400.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Appraisal Reinspection Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $400.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-09-20): XXXXX Upon further review, sufficient cure was provided at closing<br>Seller Comment (2022-09-19): as per the attached Tolerance Comp Screen the $3,041.40 included in section J lender credits for increase in closing costs above legal limit on the final CD was to cure the additional appraisal Re-Inspection fee ($200) and the 10% Cumulative Tolerance ($2,841.40) increases. As the full additional increase was provided to the borrower at the time of disbursement no additional post closing refund is due the borrower at this time for these costs.<br>Reviewer Comment (2022-09-16): XXXXX Received Initial CD dated XX/XX/XX showing the inclusion of Re-inspection fee and we also have a corresponding fee, however the Re-inspection fee again increased on CD dated XX/XX/XX and the COC does not provide a valid reason for increase. Please provide an updated COC with more information to determine why the fee increased on Cd dated XX/XX/XX or provide cure documents.<br>Seller Comment (2022-09-15): attached the XX/XX/XX Initial CD that corresponds to the XX/XX/XX COC which appears to be missing from the investor's file as per the updated condition. The appraisal was received subject to on XX/XX/XX which promoted the addition of the $200 re-inspection fee at that time. As the initial CD was sent on XX/XX/XX and corresponds with the COC form there should be no additional refund due for this cost.<br>Reviewer Comment (2022-09-13): XXXXX agreed that the Cure provided at closing is insufficient to cure for the Appraisal Re-inspection fee added on CD dated XX/XX/XX in file, which indicates Appraisal re-inspection $200. but there is no LE/CD within that time frame to associated the COC. Please provide a valid COC with additional information for the fee added on CD dated XX/XX/XX or Provide any missing LE/CD to associate the COC dated XX/XX/XX. Otherwise additional Cure $200 is required to borrower to cure this exception.<br>Seller Comment (2022-09-12): per the attached Tolerance Comp Screen the $3,041.40 included in section J lender credits for increase in closing costs above legal limit on the final CD was to cure the 10% Cumulative Tolerance & appraisal Re-Inspection fee increases. As the full increase was provided to the borrower at the time of disbursement no additional post closing refund is due the borrower at this time for these costs. | 09/20/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XX, prior to three (3) business days from transaction date of XX/XX/XX. | Loan was disbursed prior to midnight of third business day after consummation. Lender to re-open rescission, provide copy of new right to cancel form, copy of letter of explanation sent to borrower, and proof of delivery. Note: This exception will not be cleared until expiration of new rescission period. |  |  |  | Reviewer Comment (2022-09-13): Received and associated PCCD and Closing Statement reflecting Disbursement date as XX/XX/XX. Exception cleared.<br>Seller Comment (2022-09-12): RTC | 09/13/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XX). | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX) |  |  |  | Reviewer Comment (2022-11-09): XXXXX received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission.<br>Seller Comment (2022-11-08): right to cancel<br>Reviewer Comment (2022-11-03): Exception Detail Updated from: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XX). (Final/XX/XX/XX)<br>Reviewer Comment (2022-10-28): The Rescission period on a loan starts when the latest of three things occurs, the execution of the notice of right to cancel, the consummation of the loan, and the receipt by the consumer of the accurate material disclosures. The material disclosures include the following: APR, Finance Charge, Amount Financed, Total of Payments and Payment stream from the final CD. A separate EV3-C exception for extended rescission right will be cited of the remediation does not include evidence the lender re opened rescission within 60 days of discovery. Loan was not cured on TOP violation until the XX/XX/XX PCCD & cure refund to borrower was provided. Reopening of rescission must occur on or after that date.<br>Seller Comment (2022-10-26): Please re-review as no funds were needed from the borrower to solve, so the rescission period should not have been reopened.<br>Reviewer Comment (2022-10-21): To reopen rescission, must be provided with either 1) executed RTC's by all borrowers on or after the Corrected CD dated XX/XX/XX reflecting a new Cancel by Date and signed/dated at least 3 days prior to that cancel by date or 2) Copies of completed/updated RTC's with the cancel by date updated after the Corrected CD dated XX/XX/XX and proof of delivery to borrowers with the delivery date being at least 3 business days prior to the cancel by date printed on the updated RTC's.<br>Seller Comment (2022-10-19): Please confirm if you are requiring the RTC to be re-signed by the borrower, Or what will you accept to clear this suspense item?<br>Reviewer Comment (2022-10-17): XXXXX received Corrected CD, LOE to borrower, copy of cure refund and proof of mailing. We are missing proof of reopening rescission to finalize cure. This is a material disclosure violation on a rescindable transaction and is required to be reopened once correct disclosure of CD given to borrower.<br>Seller Comment (2022-10-13): cure<br>Reviewer Comment (2022-10-05): XXXXX received rebuttal and a portion of regulation. However, to clarify that the variance for the TOP is $100 for purchases and $35 for rescindable transactions. The seller is referencing 1026.23(g) for Tolerances for Accuracy. If one looks at 1026.23(g)(1), it states, a one-half of 1 percent tolerance "Except as provided in paragraphs (g)(2) and (h)(2)": The reference above points to 1026.23(h)(2) that limits the tolerance to $35 in the event the loan goes to foreclosure, if it is the consumer's principal dwelling: Understanding the lender did not originate a loan in foreclosure, the exception is cited because in the event the borrower does end up in foreclosure, they can rescind the loan based on the under-disclosure. In the event they do rescind, the assignee would be required to refund all the fees paid on the loan including interest collected. The rating agencies require an EV3-C level exception in the event the exception carries assignee liability, impairs the asset, or would be an impediment to foreclosure. They do not ignore the possibility that some loans go into foreclosure and therefore the thresholds for rescindable loans is $35. It is also worth noting that XXXXX reviews loans in accordance with SFA TRID Grid v3. The grid states the threshold is $35 for rescindable transactions and $100 for non-rescindable transactions.<br>Seller Comment (2022-10-03): policy<br>Seller Comment (2022-10-03): tolerance<br>Seller Comment (2022-10-03): As per the attached policy the CFPB has been clear in stating that the TOP is understated only exceeds .5% of note amount or $100 whichever is GREATER, which in this case would be $10,000 so as the TOP violation was only $128 the increase would be within compliance.<br>Reviewer Comment (2022-09-29): A PCCD, dated after consummation, should note corrections. Requirements under 1026.43(c)(1) require the consider and verify standard "at or before consummation". In accordance with 1026.43(c)(4). Reg Z defines "consummation" as the time that a consumer becomes contractually obligated on a credit transaction. Typically, consummation would be the date the borrower signs the note. Since not all signature lines on Note require a date, XXXXX assumes the note is signed on same date as security instrument notary date which is used to determine consummation date. XXXXX also recognizes that fees can be updated in dry states however our testing methodology remains the same. XXXXX only considers clearing exceptions if we receive evidence or an attestation that the change in fees reflected on the PCCD result from events that occurred after closing. With such an attestation, we would consider clearing a TOP exception under the notion that the figures were correct at the time of consummation and any changes noted on the PCCD were the result of an after-closing event.<br>Seller Comment (2022-09-27): Rebuttal<br>Reviewer Comment (2022-09-19): XXXXX received rebuttal that fees disclosed on final CD were based on fees aware of at the time. However, TOP disclosed on the final CD is inaccurate based on fees disclosed on the PCCD dated 9-9-22 resulting from $128 increase in borrower paid loan costs reflected in Section D. XXXXX's testing approach as a TPR assumes that fee changes reflected on a PCCD are corrections, rather than updates of fees that would result from changes that occurred after closing. That is, a lender incorrectly disclosed fees they were aware of (or should have been aware of) on the final CD and therefore issued a PCCD reflecting the actual fees that should have been disclosed on the final CD. Accordingly, XXXXX will calculate the TOP based on corrected fees on the PCCD and cite exceptions if the TOP disclosed on the final CD (provided at or before consummation) is inaccurate based on the updated fees shown on PCCD. The reason for testing in this manner is that (1) 1026.17(b) (and related commentary) provides that disclosures must be made before consummation; (2) 1026.19(f)(1)(ii) and (f)(2)(ii) require the CD to be provided 3 business days before consummation; and (3) 1026.19(f)(2) and (ii) provide that the CD must be provided before or at consummation. One exception to this would be if the PCCD was issued only due to a change in interim interest (based on a change in disbursement date), such changes would not result in any exception for the PCCD. The cure for the TOP exception includes a Letter of Explanation, Copy of Refund check for full under-disclosed amount, Proof of Delivery, Reopening Rescission, and Corrected CD. Tolerance was exceeded.<br>Seller Comment (2022-09-15): TOP on the final CD was based off the estimated settlement statement provided by title. The Early Issue Fee to XXXXX increased from $3,886 on the estimate to $4,000 on the final. As the information on the final CD was based of the estimate and was updated post closing once the final SS was received the information on the final CD was accurate based off the information that was provided at that time. |  | 11/09/2022 |  | 2 |  | B |  | B |  | B |  | B |  | B |  | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $68.00 exceeds tolerance of $60.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure was provided |  |  |  | Reviewer Comment (2022-07-18): Sufficient Cure Provided At Closing |  | 07/18/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-08-12): Received XXXXX Reviewed for subject property secondary valuation updated the details. Exception Cleared | 08/12/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Primary | Refinance - Rate/Term |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX / 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-08-12): Received XXXXX Reviewed for subject property secondary valuation updated the details. Exception Cleared<br>Reviewer Comment (2022-08-10): Valuation Received - XX/XX/XX | 08/12/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Refinance - Rate/Term |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees XXXXX | Qualified Mortgage (Dodd Frank XXXXX): Points and Fees on subject loan of 3.17146% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $90,417.70 on a Federal Total Loan Amount of XXXXX vs. an allowable total of $85,529.45 (an overage of $4,888.25 or .17146%). |  |  |  |  | Reviewer Comment (2022-08-09): PCCD provided corrected seller credits to apply as points paid by seller. | 08/09/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | A | A | C | A | A | A | Safe Harbor QM | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Total Property Costs Year 1 - October XXXXX Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. |  |  |  |  | Reviewer Comment (2022-08-09): XXXXX received confirmation of escrow calculation.<br>Seller Comment (2022-08-05): (XXXXX) - per XXXXX: The 1st year property costs are accurate. There are HOA dues of $XXXX a month = $XXXX a year plus the taxes/insurance total of $XXXX for the year bringing the total to $XXXX. <br>Here is the post CD for the 2nd condition showing the full seller credit applied to the discount points | 08/09/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Safe Harbor QM | Safe Harbor QM (43-Q) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Originator Loan Designation for this deal is Safe Habor QM |  |  |  | Reviewer Comment (2022-08-09): PCCD provided corrected seller credits to apply as points paid by seller.<br>Seller Comment (2022-08-05): (XXXXX) Final 1008 and Approval reflect QM / Safe Harbor. Please clarify. | 08/09/2022 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM | Safe Harbor QM (43-Q) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file is missing a copy of the final title policy. |  |  |  | Reviewer Comment (2022-06-10): Final Title Policy has been provided. Exception is cleared. | 06/10/2022 |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase |  | C | B | B | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,100.00 exceeds tolerance of $1,000.00. Insufficient or no cure was provided to the borrower. | Fee Amount of $1,100.00 exceeds tolerance of $1,000.00. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2022-06-14): XXXXX received PCCD, LOE, Proof of delivery & refund check.<br>Buyer Comment (2022-06-13): see attached pccd docs<br>Reviewer Comment (2022-06-02): XXXXX received final CD which is already in file. Upon further review fee was increased on CD dated XX/XX/XX and there was no cure provided in the inner section of J on final CD .Also provided COC dated XX/XX/XX does not mention any valid reason for fee increased. Please provide valid reason on COC dated XX/XX/XX or need cure.<br>Buyer Comment (2022-06-02): see attached final cd |  | 06/14/2022 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. |  |  |  |  |  | Reviewer Comment (2022-06-10): Final Title Policy has been provided with coverage amount. Exception cleared.<br>Buyer Comment (2022-06-08): see attached title with insured amt | 06/10/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Purchase |  | C | B | B | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. |  | Preliminary Title Report did not disclosed ALTA Loan Policy amount and Final Title Policy was not provided to verify sufficient title coverage was obtained. |  |  |  | Reviewer Comment (2022-06-15): Received revised preliminary title document with correct amount and associated. Exception cleared.<br>Buyer Comment (2022-06-13): title commitment | 06/15/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Purchase |  | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | File is missing all rate lock forms. Unable to verify the rate lock date. |  |  |  | Reviewer Comment (2022-06-15): Received Rate lock document, updated rate lock date and same has been associated in file. Exception cleared.<br>Buyer Comment (2022-06-13): lock form | 06/15/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Purchase |  | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. |  | File is missing the Cross-Country Rate Lock as required by the client's guidance. |  |  |  | Reviewer Comment (2022-06-15): Received Rate lock document, updated rate lock date and same has been associated in file. Exception cleared.<br>Buyer Comment (2022-06-13): lock form | 06/15/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | File was missing evidence of most recent tax documents for self employment. |  |  |  | Buyer Comment (2022-06-07): XXXXX Tax Extension (4868) in file for 1040/Schedule C<br>Reviewer Comment (2022-06-06): This is an EV2 informational only exception. It must be waived acknowledged by client and does not affect grading. |  |  | 06/07/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Second Home | Purchase |  | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after XX/XX/XX contains a change in APR and was not received by borrower at least three (3) business days prior to consummation | Corrected Closing Disclosure provided on or after XX/XX/XX contains a change in APR and was not received by borrower at least three (3) business days prior to consummation |  |  |  | Reviewer Comment (2022-06-13): XXXXX received lender attestation that XX/XX/XX CD was working copy never disclosed to borrower and included in package in error.<br>Buyer Comment (2022-06-09): Attestation from Lender re: incomplete CD in file | 06/13/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Second Home | Purchase | TRID timing exception, no remediation available. | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $735.00 exceeds tolerance of $695.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $735.00 exceeds tolerance of $695.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2022-05-25): Sufficient Cure Provided At Closing |  | 05/25/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guidelines allow the payment for the departing residence to be excluded from the DTI ratio calculation if the property is pending sale and a fully executed contract is provided to support the pending sale. The purchase contract provided is not signed by the sellers. Provide a copy of the fully executed contract signed by all parties. The DTI ratio may be impacted. |  |  |  | Reviewer Comment (2022-05-31): Fully executed purchase contract received.<br>Buyer Comment (2022-05-31): Executed purchase contract | 05/31/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Re-Underwriting Fee. Fee Amount of $XXXXX exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. | Re-underwriting fee was not disclosed on LE but disclosed as $5,920.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-08-04): Sufficient Cure Provided within 60 Days of Closing |  | 08/04/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase |  | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXXXexceeds tolerance of $XXXXX. Sufficient or excess cure was provided to the borrower. | Appraisal fee was last disclosed as $XXXXX on LE but disclosed as $XXXXX on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-08-04): Sufficient Cure Provided within 60 Days of Closing |  | 08/04/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase |  | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure datedXX/XX/XX). | Disclosure reflects TOP of $XXXXX but calculated TOP of $XXXXX Variance = $1,585.00. |  |  |  | Reviewer Comment (2022-09-08): XXXXX received XX/XX/XX CD, LOE to borrower and Final Settlement Statement confirming the updated actual costs at closing.<br>Seller Comment (2022-09-06): PCCD,LOE,FedEx and Final SS<br>Seller Comment (2022-09-06): See attached PCCD, LOE, and FedEx label. The PCCD that was sent on XX/XX/XX was incorrect. The PCCD is corrected to the final closing and I have also attached the final settlement statement.<br>Reviewer Comment (2022-08-11): XXXXX received rebuttal that refund cure completed XX/XX/XX Corrected CD. XXXXX recognizes that fees can be updated in dry states. Our testing methodology remains the same that the notary date is used to evidence the date of consummation and any CD's issued after that date are considered Post Close CDs. The cure is disclosed on the XX/XX/XX PCCD, as this is a material disclosure violation, must also include a copy of the LOE to borrower that explained the correction and proof of cure refund to borrower. No Certified final settlement statement found in file that reflects this cure given at disbursement. Please provide both items to finalize cure.<br>Seller Comment (2022-08-09): CD<br>Seller Comment (2022-08-09): Please see the attached Final Wire CD XX/XX/XX. XXXXX is a dry fund state and the Final Wire CD dated XX/XX/XX is used for balancing the final amounts. A Lender Credit of $XXXXX (highlighted page 2) was provided for the overage and to balance the CD. | 09/08/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-08-16): Client elects to waive.<br>Seller Comment (2022-08-16): the supplemental title report includes the loan amount (attached) The final title Policy is not yet completed as this file just funded on XX/XX/XX |  |  | 08/16/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | No evidence the Initial CD was provided. |  |  |  | Reviewer Comment (2022-08-16): XXXXX Received Initial CD dated XX/XX/XX.<br>Seller Comment (2022-08-15): CD | 08/16/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | No Defined Cure | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Total Property Costs Year 1 - October 2018 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of $XXXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | The final CD disclosed the Amount of Total Property Costs over Year 1 as $XXXXX on page 4; however the annual taxes ($XXXXX) and homeowners insurance ($XXXXX) total are $XXXXX per year. Final CD reflects Estimated Taxes, Insurance & Assessments of $XXXXX monthly, correct amount is $XXXXX. Provide a post-close CD correcting on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-08-17): XXXXX received Letter of Explanation & Corrected Closing Disclosure.<br>Seller Comment (2022-08-16): Amended CD and LOX |  | 08/17/2022 |  | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | 1008 was not provided. |  |  |  | Reviewer Comment (2022-08-17): Received and associated 1008. Exception cleared.<br>Seller Comment (2022-08-15): 1008 | 08/17/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after XX/XX/XX contains a change in APR and was not received by borrower at least three (3) business days prior to consummation | XXXXX received XX/XX/XX CD. CD reflects APR of 5.669%. The final CD issued XX/XX/XX is the only other CD in file and reflects an APR of XXXXX%. This is a change in APR over .125% which would of required a 3 business day waiting perior for borrower review before closing. As this was change was disclosed on Final CD, no 3 business day waiting period is reflected. Provide any missing CD's that would have allowed borrower the required 3 business day waiting period on the APR change. |  |  |  | Reviewer Comment (2022-08-22): XXXXX received XX/XX/XX CD and 2 additional versions of 8-3 CD's and changed circumstances.<br>Seller Comment (2022-08-18): CDs are attached and with COCs<br>Reviewer Comment (2022-08-18): APR on XX/XX/XX CD was XXXXX%, APR on next CD, final CD, dated XX/XX/XX was XXXXX%. Closing was XX/XX/XX. Borrower did not have a 3-day waiting period. Per current loan file no visible means to cure.<br>Seller Comment (2022-08-16): Compliance | 08/22/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase | TRID timing exception, no remediation available. | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  | Reviewer Comment (2022-08-17): Received Homeownership Counselling List , verified and associated the document hence exception cleared.<br>Seller Comment (2022-08-16): Disclosure | 08/17/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase |  | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-08-16): Client elects to waive.<br>Seller Comment (2022-08-16): Final title policy |  |  | 08/16/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $175.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Desk Review Fee was last disclosed as $0 on LE but disclosed as $175 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-07-19): Sufficient Cure Provided At Closing |  | 07/19/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Second Home | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $650.00 exceeds tolerance of $575.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $575 on LE but disclosed as $650 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-07-19): Sufficient Cure Provided At Closing |  | 07/19/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Second Home | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | CD not provided to Borrowers at least three business days prior to closing. |  |  |  | Reviewer Comment (2022-07-25): Initial CD was provided for review. Exception cleared.<br>Seller Comment (2022-07-22): Please see attached initial CD | 07/25/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Second Home | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-08-05): Received and associated Clear Capital Desk Review dated XX/XX/XX with a value of $XXXX, which gives 0.00% variance from the Appraised value. Exception cleared. | 08/05/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Primary | Purchase |  | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XX). | Disclosure reflects TOP of $2,901,838.64, but calculated TOP of $2,902,011.18. Variance = $172.54. |  |  |  | Reviewer Comment (2022-08-23): SitusAMC received Letter of Explanation, Copy of cure refund, proof of mailing & Corrected Closing Disclosure.<br>Seller Comment (2022-08-19): check,LOE,PCCD,FedEx<br>Seller Comment (2022-08-19): See attached check refund, LOE, PCCD, and FedEx label |  | 08/23/2022 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2022-07-27): Sufficient Cure Provided At Closing |  | 07/27/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / 2 days - CDA - No MLS Sheets |  |  |  | Reviewer Comment (2022-08-05): Received and associated Clear Capital Desk Review dated XX/XX/XX with a value of $XXXX, which gives 0.00% variance from the Appraised value. Exception cleared.<br>Reviewer Comment (2022-08-03): Valuation Received - XX/XX/XX | 08/05/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase |  | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $4,865.00 exceeds tolerance of $4,225.00 plus 10% or $4,647.50. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded by $217.50 due to increase in title fees. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $217.50, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-08-26): XXXXX received Letter of Explanation, Corrected CD & pay history.<br>Seller Comment (2022-08-25): Corrected PCCD<br>Reviewer Comment (2022-08-25): XXXXX Received LOE and True and Certified copy of Final settlement statement. As per Final SS and PCCD actual Recording Fee charged to the borrower is $91.00. Also Title- fees moved to Section B from Section C on PCCD dated XX/XX/XX which increases 10% Tolerance Baseline to $6684. As per received final Settlement Statement we do no require any cure however on provided PCCD dated XX/XX/XX disbursement date reflecting as XX/XX/XX and Closing Date reflecting as XX/XX/XX. Disbursement date mentioned which is before closing date. Please provide corrected PCCD along with LOE updated with correct Closing date and Disbursement Date.<br>Seller Comment (2022-08-24): Submitted XXXXX Rebuttal w/ Final SS (Disb dt XX/XX/XX)<br>Reviewer Comment (2022-08-19): XXXXX received Corrected PCCD dated XX/XX/XX along with LOE and Payment History however Title- endorsement Fee is removed and Recording Fee reduced to $91.00. Please Provide True and Certified Copy of Final settlement statement which confirms actual fees charged to the borrower at closing. Also, on provided PCCD dated XX/XX/XX disbursement date reflecting as XX/XX/XX and Closing Date reflecting as XX/XX/XX. Disbursement date mentioned which is before closing date. Please provide corrected PCCD along with LOE updated with correct Closing date and Disbursement Date.<br>Seller Comment (2022-08-18): PCCD and PR Cure |  | 08/26/2022 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Application date is XX/XX/XX and ABA is dated XX/XX/XX. |  |  |  | Reviewer Comment (2022-08-26): Received Affiliated Business Arrangement within 3 days of application date and with Disclosure Request Communication History, verified and associated all documents hence exception cleared.<br>Seller Comment (2022-08-25): ABA was issued with initial LE/Settlement Providers List on XX/XX/XX when referral was made. ABA is due within 3 days of referral, not application.. ABA and Tracking submitted | 08/26/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase |  | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2022-08-09): Received Final Title Policy with updated coverage to loan amount, verified and associated the document hence exception cleared. | 08/09/2022 |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase |  | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-08-09): Received Final Title Policy with updated coverage to loan amount, verified and associated the document hence exception cleared.<br>Seller Comment (2022-08-08): XX/XX/XX TC please see attached document. | 08/09/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Purchase |  | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $344.79 exceeds tolerance of $100.00. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $100.00 on LE but disclosed as $344.79 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $244.79, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-08-15): XXXXX received COC for increase in fee. | 08/15/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | File is missing a copy of the monthly mortgage statement or final CD required to verify the full monthly payment for the following properties: XXXXX and XXXXX |  |  |  | Reviewer Comment (2022-08-31): Received recent mortgage statements for borrowers REO XXXXX and XXXXX updated the details. Exception Cleared | 08/31/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Refinance - Cash-out - Other |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | Appraisal is not in the name of lender and appraisal transfer letter was not provided. |  |  |  | Reviewer Comment (2022-08-11): Appraisal Transfer letter received dated XX/XX/XX from XXXXX to XXXXX updated the details. Exception Cleared<br>Seller Comment (2022-08-10): transfer letter | 08/11/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Purchase |  | C | A | C | A | C | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2022-08-15): Discount Points Information Form provided verifies the undiscounted rate and price. | 08/15/2022 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees XXXXX | Qualified Mortgage (Dodd Frank XXXXX): Points and Fees on subject loan of 3.49834% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $46,092.20 on a Federal Total Loan Amount of XXXXX vs. an allowable total of $39,526.37 (an overage of $6,565.83 or .49834%). | QM Points and Fees threshold exceeded by $6,565.83 or .49834%. Loan was consummated after XX/XX/XX. For loans consummated after this date, there is no longer any cure mechanism available for QM points and fees violations. Provide documentation verifying the undiscounted rate and undiscounted rate price to verify bona fide points. |  |  |  | Reviewer Comment (2022-08-15): Discount Points Information Form provided verifies the undiscounted rate and price.<br>Seller Comment (2022-08-12): Corrected form<br>Reviewer Comment (2022-08-12): Points and fees threshold of 0.25 has not been met based on the undiscounted rate of 7% and price of -2.31 and the Note rate of 6.375% and 1.108 discount points paid. Exception remains.<br>Seller Comment (2022-08-10): points form | 08/15/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | C | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2022-08-12): XXXXX received Compliance Check XX/XX/XX Closing Disclosure Acknowledged.<br>Seller Comment (2022-08-11): Compliance<br>Reviewer Comment (2022-08-11): XXXXX Received Initial CD dated XX/XX/XX; however, need evidence borrower received the CD 3 days prior to closing. Provide Evidence that borrower received the CD 3 days prior to closing.<br>Seller Comment (2022-08-10): CD | 08/12/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | No Defined Cure | C | A | C | A | C | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing documentation to verify PITIA of additional properties. |  |  |  | Reviewer Comment (2022-08-11): Received REO documents for XXXXX, XXXXX, XXXXX, REO XXXXX is Free & clear no hoi policy hoa, tax considered from tax returns matching with final 1003 updated the details. Exception Cleared<br>Seller Comment (2022-08-10): REO. The borrower is on the deed for XXXXX and the home is owned free and clear. Documents to support have been provided with this upload. | 08/11/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | C | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM |  |  |  | Reviewer Comment (2022-09-14): Received and associated updated 1003 for both the borrowers, AUS, most recent Bank Statement and Gift Letters reflecting correct Gift Funds in the amount of XXXXX, XXXXX and XXXXX. Exception cleared. | 09/14/2022 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Assets | General QM: Unable to verify assets using reasonably reliable third-party records. | Unable to verify assets using reasonably reliable third-party records. Source of gift funds and proof of transfer to borrower or escrow was not provided. |  |  |  | Reviewer Comment (2022-09-14): Received and associated updated 1003 for both the borrowers, AUS, most recent Bank Statement and Gift Letters reflecting correct Gift Funds in the amount of XXXXX, XXXXX and XXXXX. Exception cleared.<br>Seller Comment (2022-09-13): Please see attached. | 09/14/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file does not contain the most recent year tax returns nor an extension to file. |  |  |  | Reviewer Comment (2022-06-15): Per client request, this exception has been waived without compensating factors. |  |  | 06/15/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Second Home | Purchase |  | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file does not contain the most recent year tax returns nor an extension to file. |  |  |  | Reviewer Comment (2022-06-15): Per client request, this exception has been waived without compensating factors. |  |  | 06/15/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Second Home | Purchase |  | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | File only contains the Final Closing Disclosure dated XX/XX/XX, which was signed and dated by the borrower on XX/XX/XX. File is missing evidence the borrower received the Final Closing Disclosure at least 3 business days prior to the closing date of XX/XX/XX. |  |  |  | Reviewer Comment (2022-06-20): Initial CD provided.<br>Buyer Comment (2022-06-16): initial CD | 06/20/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Second Home | Purchase | No Defined Cure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,100.00 exceeds tolerance of $675.00. Insufficient or no cure was provided to the borrower. | The file is missing a copy of the initial Closing Disclosure. |  |  |  | Reviewer Comment (2022-06-17): XXXXX Upon further review, sufficient cure was provided at closing<br>Buyer Comment (2022-06-16): please see final CD, section J, lender credit section. This cure was already provided at closing.. Please waive. Thank you! | 06/17/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $395.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Survey Fee was not disclosed on the Initial Loan Estimate, but disclosed as $395.00 in Section C on the Final Closing Disclosure without a valid Change of Circumstance. Evidence of cure for the increase of $395.00 was not provided. |  |  |  | Reviewer Comment (2022-06-17): XXXXX Received PCCD, LOE, Copy of check and delivery report for the cure provided.<br>Buyer Comment (2022-06-16): Please see attached Label, LOX, PCCD and refund check |  | 06/17/2022 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | XX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $103.00 exceeds tolerance of $23.00 plus 10% or $25.30. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded by $80.00 due to increase of recording fee. No valid COC provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2022-06-28): XXXXX received valid COC dated XX/XX/XX.<br>Buyer Comment (2022-06-27): coc reasons | 06/28/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | This file was missing a copy of VVOE. Per DU, Verbal Verification of Employment VVOE completed within 10 days of closing must be provided. |  |  |  | Reviewer Comment (2022-06-29): Received VVOE for borrower, document is dated within 10 business days from closing date, details verified and document associated. Exception cleared<br>Buyer Comment (2022-06-27): dates on the vvoe are estimated, page two has the exact date | 06/29/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $259,160.00. Provide updated policy reflecting minimum coverage of $692,360.00 OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2022-08-16): Received Replacement Cost Estimator, verified and associated the document and now shortfall in coverage is met,<br> hence exception cleared.<br>Seller Comment (2022-08-15): Please see RCE attached | 08/16/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for XXXXX. Fee Amount of $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | XXXXX Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $150.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-10-06): XXXXX received LOX and valid Changed Circumstance on XX/XX/XX.<br>Seller Comment (2022-10-05): LOE<br>Reviewer Comment (2022-09-28): XXXXX received Changed Circumstance dated XX/XX/XX. The fee added on LE issued XX/XX/XX, as per UCDP Submission Report CU Score it is dated XX/XX/XX which is 4 days from the change date. In order to re-baseline fees, a revised LE/CD needed to be issued within 3 business days of the change occurring. Provide a corrected CD, copy of the refund check, Proof of mailing, and a copy of the letter of explanation sent to the borrower disclosing the changes made.<br>Seller Comment (2022-09-27): Rebuttal<br>Reviewer Comment (2022-09-13): XXXXX upon further review received LE dated XX/XX/XX and COC dated XX/XX/XX however the SSR report present in file is dated XX/XX/XX showing CU score of 4.3 and the fee is not disclosed within 3 days of XX/XX/XX. Please provide if any LE sent within 3 days of the change or any additional information to validate the change or else please provide cure documents.<br>Seller Comment (2022-09-12): attached the revised XX/XX/XX COC LE with additional details added regarding the XX/XX/XX fee increase | 10/06/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. |  |  |  | Reviewer Comment (2022-09-02): Sufficient Cure Provided At Closing |  | 09/02/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  |  |  |  |  | Reviewer Comment (2022-08-29): AUS received and details verified. Exception cleared.<br>Seller Comment (2022-08-25): AUS | 08/29/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2022-08-25): Client elects to waive. |  |  | 08/25/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file was missing a copy of the Homeownership Counseling disclosure or proof of the borrower's receipt within 3 days of the application date. |  |  |  | Reviewer Comment (2022-08-25): Client elects to waive. |  |  | 08/25/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Final LE is required to be received by borrower at least 1 day prior to Initial CD. Based on documentation in file, Final LE was received by borrower on or after date Initial CD was received. Evidence of earlier receipt of LE was not located in file. |  |  |  | Reviewer Comment (2022-08-26): SitusAMC received disclosure tracking initial CD three days prior to closing.<br>Seller Comment (2022-08-25): ICD & Disclosure Tracking | 08/26/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | No Defined Cure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Additional documentation from XXXX to source cash to close and EMD required for proof of cash to close. |  |  |  | Reviewer Comment (2022-08-31): Received gift funds documents, explanation letter for large deposits of $XXXX, $XXXX, $XXXX in the account XXXXX updated the details available assets are sufficient for closing. Exception Cleared<br>Seller Comment (2022-08-30): Source of Large Funds<br>Reviewer Comment (2022-08-29): There is a large deposit in the amount of $XXXX dated XX/XX/XX, $XXXX dated XX/XX/XX & $XXXX dated XX/XX/XX. in the XXXXX. Please provide Source of deposit for the same additional condition may apply. Exception remains.<br>Seller Comment (2022-08-25): Earnest money & WF bank stmts | 08/31/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.92054% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $37,120.15 on a Federal Total Loan Amount of $946,811.52 vs. an allowable total of $28,404.34 (an overage of $8,715.81 or .92054%). | Points and Fees on subject loan of 3.92054% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $37,120.15 on a Federal Total Loan Amount of $XXXX vs. an allowable total of $28,404.34 (an overage of $8,715.81 or .92054%). |  |  |  | Reviewer Comment (2022-10-25): Discount point worksheet provided<br>Seller Comment (2022-10-21): Form | 10/25/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Refinance - Rate/Term |  | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | This is due to other QM failures, once cleared this will also clear |  |  |  | Reviewer Comment (2022-10-25): Discount point worksheet provided | 10/25/2022 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | XX | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | File is missing a copy of the Homeownership Counseling Organization disclosure |  |  |  | Reviewer Comment (2022-10-19): Disclosure received<br>Seller Comment (2022-10-17): disclosure | 10/19/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Refinance - Rate/Term |  | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $XXXX on page 4; however the Tax $XXXX HOI $XXXX. Provide a post-close CD correcting the Escrow Account section on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-10-18): XXXXX received clarification for the Non-escrowed property costs over year $XXXX which is also matching with CD XX/XX/XX.<br>Seller Comment (2022-10-17): Amount is accurate. <br> Homeowner's Insurance - Total Annual Premium [XX/XX/XX - XX/XX/XX] $XXXX = $XXXX.XX/XX/XX - XX/XX/XX] $XXXX = $XXXX/mo - \*ESCROWED (required)<br> Total Non-Escrow - $XXXX/yr = $XXXX/mo<br> Total Escrowed - $XXXX/yr = $XXXX/mo | 10/18/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2022-10-19): XXXXX received XX/XX/XX CD received 3 business days prior to consummation.<br>Seller Comment (2022-10-18): Cds<br>Reviewer Comment (2022-10-18): XXXXX received XX/XX/XX CD without receipt. Please provide documentation of receipt if available. . Please provide documentation if the CD was received three days prior to consummation or earlier for review.<br>Seller Comment (2022-10-17): CD | 10/19/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Refinance - Rate/Term | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | XXXXX received XX/XX/XX CD without receipt. Please provide documentation of receipt if available. Please provide documentation if the CD was received three days prior to consummation or earlier for review . |  |  |  | Reviewer Comment (2022-10-19): XXXXX received XX/XX/XX CD received 3 business days prior to consummation.<br>Seller Comment (2022-10-18): Compliance | 10/19/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Refinance - Rate/Term | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Documents | Missing Document | Documents | File does not contain documentation form lender/seller confirming the condo is warrantable. |  | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  | Reviewer Comment (2022-08-19): Received documentation from lender/seller confirming the condo is warrantable, verified and associated the document hence exception cleared.<br>Seller Comment (2022-08-18): XX/XX/XX KM: Attached confirmation of condo being warrantable. | 08/19/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Second Home | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $250.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal fee was not disclosed on LE but disclosed as $250.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-08-15): Sufficient Cure Provided At Closing |  | 08/15/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Second Home | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $79.76 exceeds tolerance of $68.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $68 on LE but disclosed as $79.76 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-08-23): Sufficient Cure Provided At Closing |  | 08/23/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM | Safe Harbor QM (43-Q) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $110.00 exceeds tolerance of $90.00. Sufficient or excess cure was provided to the borrower at Closing. | Verification Of Employment Fee was last disclosed as $90.00 on LE but disclosed as $110.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-08-23): Sufficient Cure Provided At Closing |  | 08/23/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM | Safe Harbor QM (43-Q) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-09-19): Received and associated revised Title Commitment with Policy coverage XXXXX. Exception cleared.<br>Seller Comment (2022-09-15): XX/XX/XX RF see attached please clear thank you | 09/19/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Purchase |  | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank XXXXX): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Evidence of the borrower's List of Homeownership Counseling was not in file |  |  |  | Reviewer Comment (2022-09-26): Provided.<br>Seller Comment (2022-09-23): RESPA Homeownership | 09/26/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Purchase |  | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  |  |  |  |  | Reviewer Comment (2022-09-26): Provided.<br>Seller Comment (2022-09-23): AUS | 09/26/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Verified liquid assets in the amount of XXXXX are insufficient to meet cash to close of XXXXX. Final 1008 reflects XXXXX verified, however, supporting documents to verify asset was not found. |  |  |  | Reviewer Comment (2022-10-03): Assets provided.<br>Seller Comment (2022-09-30): Bank Statements<br>Reviewer Comment (2022-09-26): No bank statements were provided to verify the source of funds to close and reserves required by AUS. Provide statements to verify the assets listed on the AUS to meet AUS requirements. Exception remains.<br>Seller Comment (2022-09-23): Final CD | 10/03/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Statement needed to verify both taxes and insurance are escrowed. |  |  |  | Reviewer Comment (2022-09-26): Provided.<br>Seller Comment (2022-09-23): REO Docs | 09/26/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - October XXXXX Testing | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | The final CD disclosed the Amount of Total Property Costs over Year 1 as $XXXX on page 4; however the annual taxes and homeowners insurance total are $XXXX per year. Final CD reflects Estimated Taxes, Insurance & Assessments of $XXXX monthly, correct amount is $XXXX. Provide a post-close CD correcting on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-09-14): XXXXX received confirmation for applicable taxes on property.<br>Seller Comment (2022-09-13): XX/XX/XX KG: Please see attached final closing disclosure the total amount for estimated property costs over 1 year is correct at $XXXX. Taxes are $XXXX yearly and insurance is $XXXX yearly making the monthly $XXXX\*12=XXXX please rescind. | 09/14/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Tax Certificate Fee. Fee Amount of $25.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | 10% tolerance was exceeded by $25.00 due to increase of Tax Certificate Fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $25.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-10-11): Sufficient Cure Provided At Closing |  | 10/11/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Warehousing Fee. Fee Amount of $80.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | 10% tolerance was exceeded by $80.00 due to increase of Warehousing Fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $80.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-10-11): Sufficient Cure Provided At Closing |  | 10/11/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Insurance Binder Fee. Fee Amount of $70.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | 10% tolerance was exceeded by $70.00 due to increase of Insurance Binder Fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $70.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-10-11): Sufficient Cure Provided At Closing |  | 10/11/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $800.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Survey Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $800.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-10-18): XXXXX received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected PCCD.<br>Seller Comment (2022-10-17): PCCD, LOX and shipping Label<br>Seller Comment (2022-10-17): copy of check |  | 10/18/2022 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide a copy of the verification of rent on the borrowers primary residence. |  |  |  | Reviewer Comment (2022-10-03): Verification of 12 months of rent provided.<br>Seller Comment (2022-09-30): Please see attached VOR | 10/03/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Second Home | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. |  |  |  | Reviewer Comment (2022-09-15): Client elects to waive<br>Reviewer Comment (2022-09-14): Client to review. |  |  | 09/15/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension for personal XXXXX returns in file, XXXXX business extension not found. |  |  |  | Reviewer Comment (2022-09-15): Client elects to waive<br>Reviewer Comment (2022-09-14): Client to review. |  |  | 09/15/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. |  |  |  | Reviewer Comment (2022-09-15): Client elects to waive<br>Reviewer Comment (2022-09-14): Client to review. |  |  | 09/15/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | The file was missing a copy of the executed Affiliated Business Arrangement Disclosure or proof of the borrower's electronic receipt of the disclosure. |  |  |  | Reviewer Comment (2022-09-14): Received signed copy of Affiliated Business Arrangement Disclosure, verified and associated the document hence exception cleared.<br>Seller Comment (2022-09-13): Please see attached signed Affiliated Business Arrangement Disclosure dated XX/XX/XX | 09/14/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Purchase |  | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Evidence of borrower earlier receipt was not found in file. |  |  |  | Reviewer Comment (2022-09-14): SitusAMC received e-signed consent disclosure.<br>Seller Comment (2022-09-13): • Signed econsent dated XX/XX/XX which is the same day the initial disclosures were sent and signed | 09/14/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $8,282.81 exceeds tolerance of $6,902.00. Insufficient or no cure was provided to the borrower. | Loan Discount point Fee was last disclosed as $6,902.00 on Loan Estimate but disclosed as $8,282.81 on Final Closing Disclosure. Cure provided at closing |  |  |  | Reviewer Comment (2022-09-14): SitusAMC received e-signed consent dated XX/XX/XX.<br>Seller Comment (2022-09-13): • Signed COC LE dated XX/XX/XX that disclosed the increased in discount points from $6902 to $8283 | 09/14/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  | Reviewer Comment (2022-09-15): Client elects to waive |  |  | 09/15/2022 | 2 |  | B |  | B |  | B |  | B |  | B |  | XX | Primary | Purchase |  | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $92,500. Provide updated policy reflecting minimum coverage of $1,387,500.00 OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2022-10-05): RCE received<br>Seller Comment (2022-10-03): On site property inspection to determine cost to rebuild<br>Reviewer Comment (2022-09-23): The use of coverage of other structures is not permitted; this is used for fences, sheds or detached garages as examples. The dwelling coverage must be sufficient per the selling guide which states the coverage must be equal to at least 80% of cost to replace new or the loan amount. Since the cost to replace new has not been provided, the appraised value is used for the calculation. Exception remains<br>Seller Comment (2022-09-21): XX/XX/XX - Submitted HOI Policy showing coverage Dwelling = $XXXX + other dwellings $XXXX = Total coverage $XXXX<br>Reviewer Comment (2022-09-19): Provided HOI policy is already in the file at the of initial review.<br> We have coverage shortfall of $XXXX (Appraisal Value $XXXX\*XXXX% = XXXX - XXXX), hence require updated HOI policy or copy of insurer's replacement cost estimator supporting current coverage amount.<br> Exception remains.<br>Seller Comment (2022-09-16): updated HOI | 10/05/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Second Home | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Date valuation provided on XX/XX/XX to applicant is prior to the date when valuation was performed on XX/XX/XX |  |  |  | Reviewer Comment (2022-09-21): Client elects to waive. |  |  | 09/21/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Date valuation provided XX/XX/XX to applicant is prior to the date when valuation was performed on XX/XX/XX |  |  |  | Reviewer Comment (2022-09-21): Client elects to waive. |  |  | 09/21/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2022-10-17): Received preliminary appraisal and evidence of receipt. Exception cleared.<br>Seller Comment (2022-10-13): Please see the attached Appraisal and Receipt Confirmation. Any subsequent appraisal reports contain no material changes and do not effect the original valuation. | 10/17/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Second Home | Purchase |  | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification updated appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2022-10-18): Client elects to waive<br>Seller Comment (2022-10-18): Please see the attached Appraisal and Receipt Confirmation. Any subsequent appraisal reports contain no material changes and do not effect the original valuation. |  |  | 10/18/2022 | 2 |  | B |  | B |  | B |  | B |  | B |  | XX | Second Home | Purchase |  | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,000.00 exceeds tolerance of $800.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $800.00 on LE but disclosed as $1,000.00 on Final Closing Disclosure. Cure was provided at closing. |  |  |  | Reviewer Comment (2022-10-14): Sufficient Cure Provided At Closing |  | 10/14/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Second Home | Purchase | Final CD evidences Cure | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purpose. |  |  |  | Reviewer Comment (2022-10-27): CDA supporting value provided. | 10/27/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Second Home | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | This is an EV2 informational only exception. It must be waived acknowledged by client and does not affect grading. |  |  |  | Buyer Comment (2022-07-12): EV2 XXXXX personal & business extensions provided in file |  |  | 07/12/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | This is an EV2 informational only exception. It must be waived acknowledged by client and does not affect grading. |  |  |  | Buyer Comment (2022-07-12): EV2 XXXXX personal & business extensions provided in file |  |  | 07/12/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of 0.43 is less than Guideline PITIA months reserves of 3.00. Per XXXXX guidelines, business assets are not acceptable sources to meet the reserve requirement. |  |  |  | Reviewer Comment (2022-07-28): Quarterly statement from 04-1...Balance was $XXXX on XX/XX/XX and $XXXX end of XXXXX, used more conservative approach. 2 months documented XXXXX and XXXXX.<br>Buyer Comment (2022-07-27): Please see attached UW cert on the retirement account.<br>Reviewer Comment (2022-07-22): Received 401 k statement for borrower from XX/XX/XX to XX/XX/XX which is after the closing date of XX/XX/XX. Provide statement with balance just prior to closing date of XX/XX/XX. Exception remains.<br>Buyer Comment (2022-07-21): Bank statement | 07/28/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $8,320.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was last disclosed as $0.00 on LE but disclosed as $8,320.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $8,320.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-08-10): XXXXX received valid COC hence no further action required.<br>Buyer Comment (2022-08-09): COC for rate lock<br>Reviewer Comment (2022-07-28): XXXXX upon further review, agrees Lock terms changed; however, we require supporting documents. Hence, please provide rate lock agreement or a valid COC.<br>Buyer Comment (2022-07-27): Revised float to lock LE dated XX/XX/XX (D0080) was re-disclosed tot he borrower (e signed) giving a base line for the discount points at $9920.00 | 08/10/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $69.50 exceeds tolerance of $60.00 plus 10% or $66.00. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded by $3.50 due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $3.50, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-08-15): XXXXX received Post CD,LOX and payment history.<br>Buyer Comment (2022-08-12): Payment history<br>Reviewer Comment (2022-08-11): XXXXX received Corrected PCCD, LOX. However, we also required Copy of refund check or Payment history in order to cure this exception.<br>Buyer Comment (2022-08-10): LOE and PCCD (pending receipt of payment history to show principal reduction from lender.) | 08/15/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $247.20 exceeds tolerance of $240.00. Sufficient or excess cure was provided to the borrower at Closing. | Collateral Desktop Analysis Fee was last disclosed as $240 on LE but disclosed as $247.20 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-08-16): Sufficient Cure Provided At Closing |  | 08/16/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Per guidelines 18 months reserves required however per letter of explanation in the file states exception approved for being 1 month short and was granted with XXXXX. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>Borrower has verified disposable income of at least $XXXX. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2022-08-22): Exception provided.<br>Buyer Comment (2022-08-18): investor exception for reserves; please clear |  |  | 08/22/2022 | 2 | C | B | C | B | C | B | C | B | C | B |  | XX | Primary | Refinance - Rate/Term |  | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040) and/or W-2 Transcripts. |  | Missing tax transcripts. |  |  |  | Reviewer Comment (2022-08-26): Transcripts provided.<br>Buyer Comment (2022-08-25): XXXXX Tax Transcripts | 08/26/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Refinance - Rate/Term |  | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. |  |  |  |  |  | Reviewer Comment (2022-06-13): Per client directive. Closing Instructions reflect coverage amount. | 06/13/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Purchase |  | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. |  | The preliminary title report did not disclose the amount t of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-05-09): Final Title Policy with corrected loan amount as title insurance coverage amount has been received. Exception cleared.<br>Buyer Comment (2022-05-06): title attached | 05/09/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2022-06-20): All QM related exceptions have been addressed. | 06/20/2022 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Partnership | General QM: Unable to verify Partnership income using reasonably reliable third-party records. | Missing acceptable Third Party or CPA verification. Missing XXXXX P &L and Balance Sheet and Missing XXXXX YTD P&L and Balance sheet for XXXXX |  |  |  | Reviewer Comment (2022-06-20): P&Ls and Balance Sheets provided.<br>Buyer Comment (2022-06-16): P&L & BS | 06/20/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. |  |  |  |  | Reviewer Comment (2022-05-05): XXXXX received LOE.<br>Buyer Comment (2022-05-05): LOE to borrower re: changes on PCCD<br>Reviewer Comment (2022-05-02): Sufficient Corrected Closing Disclosure provided, Please provide required letter of explanation to borrower. | 05/05/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2022-05-09): Final Title Policy with corrected loan amount as title insurance coverage amount has been received. Exception cleared. | 05/09/2022 |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Missing Rate lock to support Loan Data 2 on XX/XX/XX |  |  |  | Reviewer Comment (2022-05-05): Received Rate Lock Document showing Aggregator Rate Lock as XX/XX/XX. Exception cleared.<br>Buyer Comment (2022-05-03): Loan Locked as XXXXX; XXXXX document uploaded. | 05/05/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040) and/or W-2 Transcripts. |  | Missing tax transcripts for XXXXX to comply with tax returns used for income qualification. |  |  |  | Reviewer Comment (2022-06-01): Received tax return transcripts for XXXXX for Borrower. Exception cleared.<br>Buyer Comment (2022-06-01): Tax Transcripts | 06/01/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | New exception as a result of documentation provided. This is an informational EV2 exception that does not affect grading. Client may acknowledge and request to waive. |  |  |  | Buyer Comment (2022-06-20): XXXXX extension provided in file |  |  | 06/20/2022 | 2 |  | B |  | B |  | B |  | B |  | B |  | XX | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $18,375.00 exceeds tolerance of $16,538.00. Insufficient or no cure was provided to the borrower. | Loan discount point fee amount $18,375 exceeds the tolerance amount by $1,837. Valid COC not provided. Lender to issue refund of overage to borrower. Lender to provide copy of refund check and proof of delivery. |  |  |  | Reviewer Comment (2022-08-02): XXXXX received PCCD, LOE, Proof of delivery & refund check.<br>Buyer Comment (2022-08-01): Email from borrower confirming receipt<br>Reviewer Comment (2022-07-28): XXXXX received PCCD, LOE, copy of refund check however proof of mailing is still required. Please provide proof of mailing to cure the exception.<br>Buyer Comment (2022-07-28): LOE, check and PCCD for cure, pending proof of delivery documentation |  | 08/02/2022 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $159,431. Provide updated policy reflecting minimum coverage of $571,494 OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2022-08-11): Received email confirmation from insurance company stating that the checklist of coverage which shows that the coverage is replacement cost. Exception cleared.<br>Buyer Comment (2022-08-10): LOX<br>Reviewer Comment (2022-08-03): Provided LOX and HOI has been reviewed. Received the same HOI policy and it does not confirmed the guaranteed replacement cost. We understand that as property state is XXXXX, RCE cannot be provided. Please provide something as confirmation in writing from the HOI Company confirming that the dwelling coverage is set at the determined replacement cost or at minimum is sufficient to meet replacement cost requirements. Exception remains.<br>Buyer Comment (2022-08-02): Lender's comments: Please see our Calculations of the Hazard insurance showing we have enough coverage.<br>Reviewer Comment (2022-08-01): Updated Commentary: Provide updated policy reflecting minimum coverage of $XXXXX or provide copy of the insurance replacement cost estimated supporting current coverage amount. Received the same HOI policy and it does not confirmed the guaranteed replacement cost.<br>Buyer Comment (2022-07-29): HOI | 08/11/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Refinance - Cash-out - Other |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | This is an EV2 informational exception and can be waived. |  |  |  | Buyer Comment (2022-08-26): 7004 XXXXX Tax Extension for XXXXX received and 4868 Personal Tax Extension in file.<br>Buyer Comment (2022-08-26): 7004 XXXXX Tax Extension for XXXXX |  |  | 08/26/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Second Home | Purchase |  | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,065.00 exceeds tolerance of $1,000.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $1000 on LE but disclosed as $1065 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-08-10): Sufficient Cure Provided At Closing |  | 08/10/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Second Home | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $773.96 exceeds tolerance of $95.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $95 on LE but disclosed as $773.96 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-08-10): Sufficient Cure Provided At Closing |  | 08/10/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Second Home | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan is testing as Higher Priced. Index used 5.310% date XX/XX/XX + margin of 1.50% = 6.810% threshold against APR of 7.01790%. variance of .20790% over. |  |  |  | Reviewer Comment (2022-09-16): Client request to re-designate to HPQM APOR<br>Buyer Comment (2022-09-16): Please re-designate to HPQM APOR. | 09/16/2022 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | XX | Second Home | Purchase | Lender to provide updated ATR/QM status | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Client elected to re-designate to Non-QM. |  |  |  | Reviewer Comment (2022-09-16): Client request to re-designate to HPQM APOR<br>Buyer Comment (2022-09-16): Please re-designate to HPQM APOR. | 09/16/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Second Home | Purchase |  | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | This is an EV2 informational exception and can be waived. XXXXX returns only in file; business extension not in file. |  |  |  | Reviewer Comment (2022-09-14): XXXXX 7004 extension for XXXXX was provided,<br>Buyer Comment (2022-09-12): Tax extension in file. |  |  | 09/14/2022 | 2 |  | B |  | B |  | B |  | B |  | B |  | XX | Second Home | Purchase |  | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Client request to re-designate to Higher Priced QM APOR |  |  |  | Reviewer Comment (2022-09-16): Client request to re-designate to HPQM APOR<br>Buyer Comment (2022-09-16): Please re-designate to HPQM APOR. |  |  | 09/16/2022 | 2 |  | A |  | B |  | B |  | B |  | A |  | XX | Second Home | Purchase | Lender to provide updated ATR/QM status | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | P&L and balance sheet for self employed borrower not found at time of review, XX/XX/XX |  |  |  | Reviewer Comment (2022-07-25): Balance Sheet and P&L provided.<br>Buyer Comment (2022-07-25): P & L and balance sheet uplaoded | 07/25/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Refinance - Cash-out - Other |  | C | B | C | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | This is an EV2 informational exception. Delivery date was XX/XX/XX versus appraisal report dated XX/XX/XX.. Earlier dated appraisal was not provided, . |  |  |  | Reviewer Comment (2022-07-25): Received earlier appraisal dated on XX/XX/XX. Exception cleared.<br>Buyer Comment (2022-07-22): XX/XX/XX Appraisal | 07/25/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Refinance - Cash-out - Other |  | C | B | C | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $75.00 exceeds tolerance of $50.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $75.00 exceeds tolerance of $50.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2022-07-21): Sufficient Cure Provided At Closing |  | 07/21/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | HUD-1 total cash-out of ___ is greater than Guideline total cash-out of ___. | Total cash-out of $XXXX is greater than Guideline total cash-out of $500,000.00. | The representative FICO score exceeds the guideline minimum by at least 40 points. | XXXX versus XXXX | SitusAMC,Originator Pre-Close,Originator,Aggregator | Reviewer Comment (2022-07-21): Client elects to waive with compensating factors, |  |  | 07/21/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Refinance - Cash-out - Other |  | C | B | C | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | New exception as a result of new document provided. |  |  |  | Buyer Comment (2022-07-25): Lender requested appraiser to comment on smoke detectors being installed based on state/federal guidelines (D0001). No change in value. Lender acknowledged non material EV2 |  |  | 07/25/2022 | 2 |  | B |  | B |  | B |  | B |  | B |  | XX | Primary | Refinance - Cash-out - Other |  | C | B | C | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure XX/XX/XX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) | The file is missing a copy of Seller's Closing Disclosure. |  |  |  | Reviewer Comment (2022-08-12): Seller CD was provided.<br>Buyer Comment (2022-08-10): Seller CD | 08/12/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,565.00 exceeds tolerance of $1,265.00. Sufficient or excess cure was provided to the borrower. | Appraisal Fee was last disclosed as $1265 on LE but disclosed as $1565 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-08-08): Sufficient Cure Provided within 60 Days of Closing |  | 08/08/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $74.85 exceeds tolerance of $50.00. Sufficient or excess cure was provided to the borrower. | Credit Report Fee was last disclosed as $50 on LE but disclosed as $74.85 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-08-08): Sufficient Cure Provided within 60 Days of Closing |  | 08/08/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether Homeowners Insurance is included in escrow. | Final PCCD is noted; however, Provide the following: Letter of Explanation, Proof of Delivery. |  |  |  | Reviewer Comment (2022-08-12): XXXXX received rebuttal that the XX/XX/XX CD is the final CD and the XX/XX/XX CD is the initial CD. However, the XX/XX/XX CD is dated after the consummation date and must be considered the PCCD. Fannie Mae/ Freddie Mac documents do not include a place for the consumer to date their signature to evidence the date they executed the document. The Security Instrument, is typically executed concurrently with the Note. This document is notarized with the date by the Notary. Therefore, the Notary date is used to evidence the date of consummation.On this loan, consummation is XX/XX/XX as this is the date the consumer signed the Security Instrument. In this case, the PCCD did cure the exception and LOE is not required as the XX/XX/XX PCCD is dated prior to report date.<br>Buyer Comment (2022-08-10): Please re-evaluate. The CD dated XX/XX/XX is the initial CD not the final CD. The final CD has an issue date of XX/XX/XX but was signed at closing on XX/XX/XX | 08/12/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | Verification of employment not dated with 10 business of closing |  |  |  | Reviewer Comment (2022-08-12): Received VVOE for Borrower's . Exception Cleared<br>Buyer Comment (2022-08-11): VOE | 08/12/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD | TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. | The Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. |  |  |  | Reviewer Comment (2022-08-12): Seller CD provided, | 08/12/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Fees Greater than Final Closing Disclosure Seller Paid Fees | TILA-RESPA Integrated Disclosure: Fees disclosed on the Seller's Closing Disclosure are greater than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. | Fees disclosed on the Seller's Closing Disclosure are greater than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. |  |  |  | Reviewer Comment (2022-08-18): Seller CD provided. | 08/18/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,565.00 exceeds tolerance of $1,265.00. Sufficient or excess cure was provided to the borrower at Closing. | Cure provided at closing |  |  |  | Reviewer Comment (2022-08-12): Sufficient Cure Provided At Closing |  | 08/12/2022 |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase | Final CD evidences Cure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $74.85 exceeds tolerance of $50.00. Sufficient or excess cure was provided to the borrower at Closing. | Cure provided at closing |  |  |  | Reviewer Comment (2022-08-12): Sufficient Cure Provided At Closing |  | 08/12/2022 |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase | Final CD evidences Cure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Testing | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | This is an EV2 exception and can be waived. Page of the CD reflects estimated taxes and insurance and assessments of $XXXX x 12 = $XXXX; however, page 4 estimated property costs over 1 year reflects $XXXX If not waiving please a PCCD to cure the issue. |  |  |  | Buyer Comment (2022-08-12): Acknowledged as Non-material. |  |  | 08/12/2022 | 2 |  | B |  | B |  | B |  | B |  | B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | File is missing the XXXXX Rate Lock as required by the client's guidance |  |  |  | Reviewer Comment (2022-06-29): Received XXXXX Rate Lock document, verified details and updated, document associated. Exception cleared.<br>Buyer Comment (2022-06-27): Lock | 06/29/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Purchase |  | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. |  | Preliminary Title Report did not disclose an ALTA Loan Policy amount and Final Title Policy was not provided to verify that sufficient title coverage was obtained. |  |  |  | Reviewer Comment (2022-06-28): Supplemental evidence provided.<br>Buyer Comment (2022-06-27): Please review the attached supplement evidencing the loan amount of $XXXXX. Thank you. | 06/28/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | File only contains the Final Closing Disclosure dated XX/XX/XX, which was signed and dated by the borrowers on XX/XX/XX. File is missing evidence the borrowers received the Final Closing Disclosure at least 3 business days prior to the closing date of XX/XX/XX. |  |  |  | Reviewer Comment (2022-06-28): Initial CD was provided.<br>Buyer Comment (2022-06-27): Please see the attached revised CD's dated XX/XX/XX and signed by the borrowers. Thank you. | 06/28/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | Borrower #3's income and employment was verified with a Written VOE dated XX/XX/XX, which is dated 15 business days from the Note date of XX/XX/XX. File is missing a Verbal VOE dated no more than 10 business days prior to the note date as required by DU Condition #16. |  |  |  | Reviewer Comment (2022-06-29): Received VVOE for borrower, document is dated within 10 business days from closing date, details verified and document associated. Exception cleared.<br>Buyer Comment (2022-06-27): Please see attached VOE dated within 10 days of closing. Thank you. | 06/29/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Home Warranty Premium. Fee Amount of $580.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Home Warranty Premium Fee was not disclosed on the Initial Loan Estimate, but disclosed as $580.00 in Section C instead of Section H on the Final Closing Disclosure without a valid Change of Circumstance. Evidence of cure for the increase of $580.00 was not provided. |  |  |  | Reviewer Comment (2022-07-01): XXXXX received PCCD and LOE moving the fee to sec H.<br>Buyer Comment (2022-06-30): PCCD and LOE<br>Reviewer Comment (2022-06-29): Home Warranty fee was disclosed in section C, without proper disclosure. Cure is required.<br>Buyer Comment (2022-06-29): XXXXX | 07/01/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | Per the Final 1003, the Non-Occupant co-borrower rents at the current residence and the rent payment was verified with 2 months of bank statements. File only contains a rent increase letter from the management company and is missing the fully executed lease agreement as required by DU Condition #13. |  |  |  | Reviewer Comment (2022-06-30): Received Lease Agreement for the Non- Occupant coborrower, rent has been verified from the bank statement, other details verified and document associated. Exception Cleared.<br>Buyer Comment (2022-06-29): VOR Lease agreement | 06/30/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney's Fee (Closing Agent And Other). Fee Amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-06-08): Sufficient Cure Provided At Closing |  | 06/08/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | Hazard Policy effective date of XX/XX/XX is after the subject loan closed and disbursed on XX/XX/XX. | Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Borrower has 13.4 years on job. Co Borrower has 21.9 years on job.<br>Borrower has 13.4 years in same line of work. Co Borrower has 21.9 years in same line of work.<br>Reserves: 109.46: Guideline Requirement: 3.00 | SitusAMC<br>SitusAMC<br>SitusAMC,Aggregator | Reviewer Comment (2022-06-21): Client elects to waive with compensating factors.<br>Buyer Comment (2022-06-21): exception form<br>Reviewer Comment (2022-06-17): Exception request form is provided regarding HOI effective date however it does not state that it has been approved. Lender's approval is required to clear the exception. Exception remains.<br>Buyer Comment (2022-06-15): Please see attached exception<br>Reviewer Comment (2022-06-14): No known loss letter not sufficient. Exception remains. |  |  | 06/21/2022 | 2 | C | B | C | B | C | B | C | B | C | B |  | XX | Primary | Purchase |  | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $325.00 exceeds tolerance of $160.00 plus 10% or $176.00. Sufficient or excess cure was provided to the borrower at Closing. | Fee Tolerance exceeded. Total amount of $325.00 exceeds tolerance of $160.00 plus 10% or $176.00. |  |  |  | Reviewer Comment (2022-06-29): Sufficient Cure Provided At Closing |  | 06/29/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Based on the documentation provided, the preliminary appraisal dated XX/XX/XX is missing from the file, along with any other appraisals completed for the subject property, and evidence the borrower received a copy of all appraisals at least 3 business days prior to closing. |  |  |  | Reviewer Comment (2022-07-12): Appraisal dated XX/XX/XX has been obtained. Only one appraisal was completed for this loan along with a revision dated XX/XX/XX. Documentation attached. Exception cleared.<br>Buyer Comment (2022-07-11): .<br>Reviewer Comment (2022-07-07): Preliminary appraisal dated XX/XX/XX is still missing from the file along with evidence the borrower received a copy of all appraisals at least 3 business days prior to closing. Exception remains.<br>Buyer Comment (2022-07-06): attached | 07/12/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | All verifications for current employment are dated within 10 days of the Note. |  |  |  | Reviewer Comment (2022-07-08): Received vvoe document of prior to 10 business days from closing date and same associated in file. Exception cleared.<br>Buyer Comment (2022-07-07): .<br>Reviewer Comment (2022-07-05): Require VVOE document of borrower for current employer "XXXXX" start date XX/XX/XX however received VVOE document belongs to borrower previous employment "XXXXX", Hence Exception Remains.<br>Buyer Comment (2022-07-01): VVOE | 07/08/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | XXXXX Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. | File is missing the Acknowledgment of Receipt of Home Mortgage Loan Information disclosure provided to and executed by the borrower at closing. |  |  |  | Reviewer Comment (2022-07-07): Disclosure provided.<br>Buyer Comment (2022-07-06): Acknowledgement | 07/07/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Purchase |  | B | A | A | A | B | A | A | A | Safe Harbor QM | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $595.00 exceeds tolerance of $550.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal fee was disclosed at $550.00 on the Initial Loan Estimate, but disclosed as $595.00 on the Final Closing Disclosure dated XX/XX/XX. No valid changed circumstance was found in the file. A lender credit of $45.00 provided at closing was sufficient to cover the tolerance violation amount totaling $45.00. |  |  |  | Reviewer Comment (2022-07-06): Sufficient Cure Provided At Closing |  | 07/06/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | B | A | A | A | B | A | A | A | Safe Harbor QM | Safe Harbor QM (43-Q) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Second Home not provided |  | The file is missing a copy of the Second Home Rider. |  |  |  | Reviewer Comment (2022-07-08): Second home rider has been provided. Exception cleared.<br>Buyer Comment (2022-07-07): XXXXX - Second Home Rider attached | 07/08/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Second Home | Purchase |  | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-07-14): Received Secondary Valuation, updated information and associated the same in file. Exception cleared.<br>Buyer Comment (2022-07-12): XXXXX - CDA | 07/14/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Second Home | Purchase |  | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Primary residence expense of $XXXX was used to qualify on LP and 1008, however, statement in file reflects actual PITI for primary residence is $XXXX. |  |  |  | Reviewer Comment (2022-07-12): Updated AUS and 1008 has been provided. DTI is in line. Details updated. Exception cleared.<br>Buyer Comment (2022-07-11): Please see attached | 07/12/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Second Home | Purchase |  | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Higher Priced QM (43-Q). | QM failure is due to missing final CD and excess DTI. |  |  |  | Reviewer Comment (2022-08-04): Client states ok to restate loan designation to Higher Priced QM.<br>Reviewer Comment (2022-07-27): Received a duplicate XXXXX compliance report. This exception was reviewed by our compliance department with instructions as to what's required. Please see the prior comment which states: "The lender's Compliance Report in file also identifies that the loan exceeds the threshold and is considered Higher-Priced QM. If the lender wants to restate the Loan Designation to Higher-Priced QM, this exception can be rereviewed."<br>Exception remains.<br>Buyer Comment (2022-07-21): XXXXX<br>Reviewer Comment (2022-07-19): This exception was reviewed by our compliance department with this response:<br>The lender submitted the loan as a Safe Harbor QM and we identified the loan as a Higher-Priced QM due to the loan's APR of 6.80090% exceeding the threshold of 6.68% (which is APOR of 5.18% + 1.5). Please note that the lender's Compliance Report in file also identifies that the loan exceeds the threshold and is considered Higher-Priced QM. If the lender wants to restate the Loan Designation to Higher-Priced QM, this exception can be rereviewed.<br>Buyer Comment (2022-07-18): Hello, can you please provide update on this outstanding condition?<br>Buyer Comment (2022-07-12): ATR | 08/04/2022 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | XX | Second Home | Purchase | Lender to provide updated ATR/QM status | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Includes More Than 13 months of Costs - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX disclosed an Amount of Escrowed Property Costs over Year 1 that includes more than 13 months of costs. | The file is missing the final Closing Disclosure to determine final figures. |  |  |  | Reviewer Comment (2022-07-13): XXXXX received the final CD.<br>Buyer Comment (2022-07-11): Final CD attached | 07/13/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XX disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. | The file is missing the final Closing Disclosure to determine final figures. |  |  |  | Reviewer Comment (2022-07-13): XXXXX received the final CD. | 07/13/2022 |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. | The file is missing the final Closing Disclosure to determine final figures. |  |  |  | Reviewer Comment (2022-07-13): XXXXX received the final CD.<br>Buyer Comment (2022-07-11): Final CD attached | 07/13/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. | The file is missing the final Closing Disclosure to determine final figures. |  |  |  | Reviewer Comment (2022-07-13): XXXXX received the final CD.<br>Buyer Comment (2022-07-11): Final CD attached | 07/13/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | The file is missing the final Closing Disclosure to determine final figures. |  |  |  | Reviewer Comment (2022-07-13): XXXXX received the final CD.<br>Buyer Comment (2022-07-11): Final CD attached | 07/13/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Attorney Review Fee. Fee Amount of $950.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | No VCC located in the loan file, cure required. |  |  |  | Reviewer Comment (2022-07-13): XXXXX received the final CD. | 07/13/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $104.00 exceeds tolerance of $90.00 plus 10% or $99.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing. |  |  |  | Reviewer Comment (2022-07-13): Sufficient Cure Provided At Closing |  | 07/13/2022 |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Second Home | Purchase | Final CD evidences Cure | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | The original designation was Safe Harbor QM(APOR) which the lender restated is now Higher Priced QM (APOR). |  |  |  | Reviewer Comment (2022-09-09): Client elects to waive this exception without compensating factors. |  |  | 09/09/2022 | 2 |  | A |  | B |  | B |  | B |  | A |  | XX | Second Home | Purchase | Lender to provide updated ATR/QM status | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $975.00 exceeds tolerance of $885.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was disclosed as $885.00 on LE but disclosed as $975.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, however, cure was provided at closing. |  |  |  | Reviewer Comment (2022-07-06): Sufficient Cure Provided At Closing |  | 07/06/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Assessment Fee. Fee Amount of $880.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Assessment Fee was not disclosed on the Initial Loan Estimate, but disclosed as $880.00 in Section C instead of Section H on the Final Closing Disclosure without a valid Change of Circumstance. Evidence of cure for the increase of $880.00 was not provided. |  |  |  | Reviewer Comment (2022-07-08): XXXXX received Corrected PCCD and LOE for the Assessment fee is moved to Section H from C and there is no tolerance violence.<br>Buyer Comment (2022-07-08): PCCD<br>Reviewer Comment (2022-07-06): XXXXX - Survey Fee is not correctly moved. PCCD received still shows 'Survey Fee' amount of $525 in section C & included in total. Please provde a corrected PCCD with fee correctly moved to section H. Exception remains.<br>Buyer Comment (2022-07-06): LOX and PCCD | 07/08/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Service Fee. Fee Amount of $2,000.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Transfer Service Fee was not disclosed on the Initial Loan Estimate, but disclosed as $2,000.00 in Section C instead of Section H on the Final Closing Disclosure without a valid Change of Circumstance. Evidence of cure for the increase of $2,000.00 was not provided. |  |  |  | Reviewer Comment (2022-07-08): XXXXX received Corrected PCCD and LOE for the Transfer Services fee is moved to Section H from C and there is no tolerance violence. | 07/08/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Verified assets of $0.00 are insufficient to cover the funds needed for closing of $XXXX. Shortage is due to DU qualified the borrower with assets from a XXXXX checking account and a savings account however, the file is missing the statements for these accounts covering a 2-month period as required by DU Condition #20. Upon receipt of the bank statements, additional conditions may apply. |  |  |  | Reviewer Comment (2022-07-19): Two months XXXXX statements provided for checking and savings account. Available for closing is sufficient to cover Cash from Borrower. Exception cleared.<br>Buyer Comment (2022-07-18): bank statements | 07/19/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS Findings: Qualifying asset balance discrepancy. |  | Verified assets of $0.00 are insufficient to cover the DU qualifying assets of $XXXX. Shortage is due to DU qualified the borrower with assets from a XXXXX checking account and a savings account however, the file is missing the statements for these accounts covering a 2-month period as required by DU Condition #20. Upon receipt of the bank statements, additional conditions may apply. |  |  |  | Reviewer Comment (2022-07-19): Two months XXXXX statements provided for checking and savings account. Available for closing is sufficient to cover Cash from Borrower. Exception cleared.<br>Buyer Comment (2022-07-18): bank statements | 07/19/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. |  | File is missing the XXXXX Rate Lock as required by the client's guidance. |  |  |  | Reviewer Comment (2022-07-19): XXXXX Rate Lock has been provided. Document associated. Exception cleared.<br>Buyer Comment (2022-07-18): lock | 07/19/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Based on the documentation provided, the preliminary appraisal dated XX/XX/XX is missing from the file, along with any other appraisals completed for the subject property, and evidence the borrower received a copy of all appraisals at least 3 business days prior to closing. |  |  |  | Reviewer Comment (2022-07-19): Preliminary appraisal and receipt provided.<br>Buyer Comment (2022-07-19): appraisal | 07/19/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Based on the documentation provided, the preliminary appraisal dated XX/XX/XX is missing from the file, along with any other appraisals completed for the subject property, and evidence the borrower received a copy of all appraisals at least 3 business days prior to closing. |  |  |  | Reviewer Comment (2022-07-22): Appraisal dated XX/XX/XX and XX/XX/XX has been provided along with borrower's receipt. Exception cleared.<br>Buyer Comment (2022-07-21): Please see attached prior appraisals and receipt | 07/22/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,055.00 exceeds tolerance of $955.00. Insufficient or no cure was provided to the borrower. | Appraisal Fee was disclosed as $955.00 on the Initial Loan Estimate, but disclosed as $1,055.00 on the Final Closing Disclosure which is an increase of $100.00 without a valid Change of Circumstance. Cure of $119.00 disclosed on the Final Closing Disclosure is insufficient to cover the 2 tolerance violations totaling $219.00. |  |  |  | Reviewer Comment (2022-07-29): XXXXX Received PCCD, LOE, Copy of check and delivery report for the cure provided.<br>Buyer Comment (2022-07-28): Post CD LOX Refund Check and Proof of Delivery |  | 07/29/2022 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $219.00 exceeds tolerance of $100.00. Insufficient or no cure was provided to the borrower. | Credit Report Fee was disclosed as $100.00 on the Initial Loan Estimate, but disclosed as $219.00 on the Final Closing Disclosure which is an increase of $119.00 without a valid Change of Circumstance. Cure of $119.00 disclosed on the Final Closing Disclosure is insufficient to cover the 2 tolerance violations totaling $219.00. |  |  |  | Reviewer Comment (2022-07-29): XXXXX Upon further review, sufficient cure was provided at closing.<br>Buyer Comment (2022-07-28): Post CD LOX Refund Check and Proof of Delivery | 07/29/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX business tax returns. Evidence of extension provided in file for XXXXX. |  |  |  | Reviewer Comment (2022-08-01): Per client email request, this exception has been waived without compensating factors. |  |  | 08/01/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | Subject loan was approved under the XXXXX program. File is missing the required LP Feedback Certificate with LP AUS Key #XXXXX as noted on the 1008 Transmittal Summary. |  |  |  | Reviewer Comment (2022-08-03): Received Loan closing advisor document and same associated in file. Exception cleared.<br>Buyer Comment (2022-08-02): corrected LPA<br>Reviewer Comment (2022-08-02): Require LP Document with designated AUS Key#XXXXX as noted on 1008 transmittal summary as received LP document does not reflect the AUS Key#XXXXX, Exception Remains.<br>Buyer Comment (2022-08-01): Corrected LCA<br>Buyer Comment (2022-08-01): LCA | 08/03/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | The borrower's XXXXX account was submitted to DU however, was only verified with 1 statement dated XX/XX/XX to XX/XX/XX. File is missing the second statement as required by DU Condition #27. |  |  |  | Reviewer Comment (2022-08-03): Updated LP has been provided, and as per LP only account statement covering one month period is required. Hence we would not require another bank statement. LP attached. Exception cleared.<br>Buyer Comment (2022-08-02): Rebuttal. | 08/03/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Due to missing self-employed income documentation, the subject loan designation is QM (APOR) Fail. |  |  |  | Reviewer Comment (2022-09-14): SHQM(APOR)<br>Buyer Comment (2022-09-14): XXXXX Statement<br>Reviewer Comment (2022-09-07): Received the business entity filing for the borrower's 1065 business with 33% ownership however, the document is dated XX/XX/XX. LP required the disinterested 3rd Party verification to be dated no more than 120 prior to the note date. Exception remains.<br>Reviewer Comment (2022-09-07): Correction for prior comment: A lender exception cannot be used to clear an ATR/QM exception. <br>This exception cannot be rereviewed until a disinterested 3rd party verification for the XXXXX business is provided as required by LP.<br>Reviewer Comment (2022-08-29): Relevant Self-employed income documentation is missing, the subject loan designation is QM(APOR) fail. Although, if required to clear the exception kindly provide lender exception approval and will be reviewed accordingly. Exception Remains.<br>Buyer Comment (2022-08-26): Rebuttal<br>Reviewer Comment (2022-08-05): Relevant Self-employed income documentation is missing, the subject loan designation is QM(APOR) fail. Exception Remains.<br>Buyer Comment (2022-08-04): Rebuttal<br>Reviewer Comment (2022-08-03): Due to missing self-employed income documentation, the subject loan designation is QM (APOR) Fail. Exception remains.<br>Buyer Comment (2022-08-02): Rebuttal. | 09/14/2022 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - K-1 Less Than 25 Percent | General QM: Unable to verify current K-1 (Less than 25% Ownership) status using reasonably reliable third-party records. | Subject loan closed on XX/XX/XX. Borrower's qualifying K-1 income from this company was only verified with the XXXXX K-1, the XXXXX personal tax return and XXXXX tax return extension. File is missing one or more of the following: 1) Most recent XXXXX K-1 and most recent tax transcripts; 2) Most recent K-1 and most recent signed, dated 1040s; 3) Audited YTD P&L 5) XXXXX business tax return extension. Upon receipt of the missing income documentation, additional conditions may apply. |  |  |  | Reviewer Comment (2022-09-07): Exception was reviewed by Compliance. Along with the written lender clarification for this business with less than 25% ownership and the income documentation provided, all LP self-employed requirements were met for this business.<br>Reviewer Comment (2022-09-07): Exception Detail Updated from: General QM: Unable to verify current K-1 (Less than 25% Ownership) status using reasonably reliable third-party records. (XXXXX/Schedule K-1 less than 25 Percent)<br>Reviewer Comment (2022-08-29): Noted that there is a letter on file that was signed by an LLC Member to verify the XXXXX K-1 income for this business however, the letter does not have a document date and it does not verify the borrower's percentage of ownership. File is missing the XXXXX K-1 for this business and once received, additional conditions may apply for the undated XXXXX K-1 letter. Although, if required to clear the exception kindly provide lender exception approval and will be reviewed accordingly. Exception Remains.<br>Buyer Comment (2022-08-26): Rebuttal<br>Reviewer Comment (2022-08-15): File contains a letter that was signed by an LLC Member to verify the XXXXX K-1 income for this business however, the letter does not have a document date and it does not verify the borrower's percentage of ownership. File is missing the XXXXX K-1 for this business and once received, additional conditions may apply for the undated XXXXX K-1 letter. Exception remains.<br>Buyer Comment (2022-08-10): distribution<br>Reviewer Comment (2022-08-05): Please provide following document as per compliance requirement to clear this exception, Company is only verified with XXXXX K-1 and XXXXX personal tax returns, require 1) Most recent XXXXX K-1 and most recent tax Transcripts, 2)Most recent K-1 and most recent signed, dated 1040S,3) Audited YTD P&L. Exception Remains.<br>Buyer Comment (2022-08-04): Rebuttal<br>Reviewer Comment (2022-08-03): Noted the LP guidelines, however the loan is underwritten manually as per 1008, the company is only verified with XXXXX K1 and XXXXX personal tax returns. Kindly provide the missing documentation to clear the exception.1) Most recent XXXXX K-1 and most recent tax transcripts; 2) Most recent K-1 and most recent signed, dated 1040s; 3) Audited YTD P&L. Exception remains.<br>Buyer Comment (2022-08-02): Rebuttal. | 09/07/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Partnership | General QM: Unable to verify current Partnership status using reasonably reliable third-party records. | One or more of the following missing documents is required for this employment type: 1) Third Party Verification; 2) CPA Letter; 3) Audited or Third Party Prepared YTD P&L; 4) Most recent transcript or signed/dated tax return<br>Subject loan closed on XX/XX/XX. Borrower's qualifying K-1 income from this company was only verified with the XXXXX K-1, the XXXXX personal tax return and XXXXX tax return extension. File is missing one or more of the following: 1) Most recent XXXXX K-1 and most recent tax transcripts; 2) Most recent K-1 and most recent signed, dated 1040s; 3) Audited YTD P&L 5) XXXXX business tax return extension. Upon receipt of the missing income documentation, additional conditions may apply. |  |  |  | Reviewer Comment (2022-09-14): Lender provided business bank statements to verify the existence of this business as an alternative 3rd Party verification source as allowed by the Freddie Mac Selling Guide, 5304:1: Documentation requirements for self-employed borrowers. Bank statements which are dated from XX/XX/XX to XX/XX/XX are within 120 days prior to the Note date of XX/XX/XX as required by LP Condition #XXXXX.<br>Buyer Comment (2022-09-14): XXXXX Statement<br>Reviewer Comment (2022-09-07): Received the business entity filing for this business however, the document is dated XX/XX/XX. LP required the disinterested 3rd Party verification to be dated no more than 120 prior to the note date. Exception remains.<br>Reviewer Comment (2022-08-29): Prior comment states that a rebuttal was provided however, there is no rebuttal uploaded for this exception. As of XX/XX/XX still have not received a disinterested 3rd Party Verification of the business existence dated within 120 days prior to the Note date as required by LP Condition # XXXXX. The lender's VVOE cannot be used to satisfy this condition. Once the disinterested 3rd Party verification (dated prior to closing) is provided for this business, this exception can be rereviewed. Exception remains.<br>Buyer Comment (2022-08-26): Rebuttal.<br>Reviewer Comment (2022-08-15): Verification of the business existence by a disinterested 3rd Party dated within 120 days prior to the Note date is still missing as required by LP Condition # XXXXX. The lender's VVOE cannot be used to satisfy this condition. Once the disinterested 3rd Party verification (dated prior to closing) is provided for this business, this exception can be rereviewed. Exception remains.<br>Buyer Comment (2022-08-10): distribution<br>Reviewer Comment (2022-08-05): Require following document as per compliance requirement to clear this exceptions, 1)Most Recent XXXXX K-1 and most recent Tax Transcripts, 2)Most recent K-1 and most recent signed, dated 1040S, 3)Audited YTD P&L, 4) XXXXXBusiness Tax Return Extension. Exception remains.<br>Buyer Comment (2022-08-04): Rebuttal<br>Reviewer Comment (2022-08-03): File is missing one or more of the following: 1) Most recent XXXXX K-1 and most recent tax transcripts; 2) Most recent K-1 and most recent signed, dated 1040s; 3) Audited YTD P&L 5) XXXXX business tax return extension. Upon receipt of the missing income documentation, additional conditions may apply. Exception remains.<br>Buyer Comment (2022-08-02): Rebuttal. | 09/14/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Partnership | General QM: Unable to verify current Partnership status using reasonably reliable third-party records. | Borrower was qualified with income from this company and the borrower's self-employment was only verified with the lender's VVOE which is not a disinterested 3rd Party Verification as required by Appendix Q. Lender's VVOE states the information was verified by an accountant however, the Accountant Letter dated prior to closing is missing from the file. Upon receipt of the missing Accountant Letter, additional conditions may apply. |  |  |  | Reviewer Comment (2022-09-07): Received lender written confirmation that this business was not included in the qualifying income.<br>Reviewer Comment (2022-08-29): Noted that the Verification of the business existence by a disinterested 3rd Party is dated within 120 days prior to the Note date, it is still missing as required by LP Condition # XXXXX. The lender's VVOE cannot be used to satisfy this condition. However, if required to clear the exception kindly provide lender exception approval and will be reviewed accordingly. Exception Remains.<br>Buyer Comment (2022-08-26): Rebuttal<br>Reviewer Comment (2022-08-15): Verification of the business existence by a disinterested 3rd Party dated within 120 days prior to the Note date is still missing as required by LP Condition # XXXXX. The lender's VVOE cannot be used to satisfy this condition. Exception remains.<br>Reviewer Comment (2022-08-05): Require relevant document/3rd party verification to clear this exception as Lender's VVOE states the information was verified by an accountant however, the accountant letter dated prior to closing is missing from the file, upon receipt of the missing accountant letter, additional conditions may apply. Exception remains.<br>Buyer Comment (2022-08-04): Rebuttal<br>Reviewer Comment (2022-08-04): No relevant documentation has been provided. Lender's VVOE states the information was verified by an accountant however, the Accountant Letter dated prior to closing is missing from the file. Upon receipt of the missing Accountant Letter, additional conditions may apply. Exception remains.<br>Buyer Comment (2022-08-02): Rebuttal. | 09/07/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Schedule C | General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | Borrower was qualified with income from this company and the borrower's self-employment was only verified with the lender's VVOE which is not a disinterested 3rd Party Verification as required by Appendix Q. Lender's VVOE states the information was verified by an accountant however, the Accountant Letter dated prior to closing is missing from the file. Upon receipt of the missing Accountant Letter, additional conditions may apply. |  |  |  | Reviewer Comment (2022-09-07): Received lender written confirmation that this business was not included in the qualifying income.<br>Reviewer Comment (2022-08-29): Noted that the Verification of the business existence by a disinterested 3rd Party is dated within 120 days prior to the Note date, it is still missing as required by LP Condition # XXXXX. The lender's VVOE cannot be used to satisfy this condition. However, if required to clear the exception kindly provide lender exception approval and will be reviewed accordingly. Exception Remains.<br>Buyer Comment (2022-08-26): Rebuttal<br>Reviewer Comment (2022-08-15): Verification of the business existence by a disinterested 3rd Party dated within 120 days prior to the Note date is still missing as required by LP Condition # XXXXX. The lender's VVOE cannot be used to satisfy this condition. Exception remains.<br>Reviewer Comment (2022-08-05): Require relevant document/3rd party verification to clear this exception as Lender's VVOE states the information was verified by an accountant however, the accountant letter dated prior to closing is missing from the file, upon receipt of the missing accountant letter, additional conditions may apply. Exception remains.<br>Buyer Comment (2022-08-04): Rebuttal<br>Reviewer Comment (2022-08-03): No relevant documentation has been provided. Lender's VVOE states the information was verified by an accountant however, the Accountant Letter dated prior to closing is missing from the file. Upon receipt of the missing Accountant Letter, additional conditions may apply. Exception remains.<br>Buyer Comment (2022-08-02): Rebuttal. | 09/07/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - K-1 Less Than 25 Percent | General QM: Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records. | Borrower was qualified with income from Schedule C and the borrower's self-employment was only verified with the lender's VVOE which is not a disinterested 3rd Party Verification as required by Appendix Q. Lender's VVOE states the information was verified by an accountant however, the Accountant Letter dated prior to closing is missing from the file. Upon receipt of the missing Accountant Letter, additional conditions may apply. |  |  |  | Reviewer Comment (2022-09-07): Exception was reviewed by Compliance. Along with the written lender clarification for this business with less than 25% ownership and the income documentation provided, all LP self-employed requirements were met for this business.<br>Reviewer Comment (2022-09-07): Exception Detail Updated from: General QM: Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records. (XXXXX/Schedule K-1 less than 25 Percent)<br>Reviewer Comment (2022-08-29): Noted that the Verification of the business existence by a disinterested 3rd Party is dated within 120 days prior to the Note date, it is still missing as required by LP Condition # XXXXX. The lender's VVOE cannot be used to satisfy this condition. However, if required to clear the exception kindly provide lender exception approval and will be reviewed accordingly. Exception Remains.<br>Buyer Comment (2022-08-26): Rebuttal<br>Reviewer Comment (2022-08-15): Verification of the business existence by a disinterested 3rd Party dated within 120 days prior to the Note date is still missing as required by LP Condition # XXXXX. The lender's VVOE cannot be used to satisfy this condition. Exception remains.<br>Buyer Comment (2022-08-10): distribution<br>Reviewer Comment (2022-08-05): Please provide following document as per compliance requirement to clear this exception, Company is only verified with XXXXX K-1 and XXXXX personal tax returns, require 1) Most recent XXXXX K-1 and most recent tax Transcripts, 2)Most recent K-1 and most recent signed, dated 1040S,3) Audited YTD P&L. Exception Remains.<br>Buyer Comment (2022-08-04): Rebuttal<br>Reviewer Comment (2022-08-03): Noted the LP guidelines, however the loan is underwritten manually as per 1008, the company is only verified with XXXXX K1 and XXXXX personal tax returns. Kindly provide the missing documentation to clear the exception.1) Most recent XXXXX K-1 and most recent tax transcripts; 2) Most recent K-1 and most recent signed, dated 1040s; 3) Audited YTD P&L. Exception remains.<br>Buyer Comment (2022-08-02): Rebuttal. | 09/07/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | Based on the application date more recent tax return could have been available. XXXXX and business extensions were provided. |  |  |  | Reviewer Comment (2022-07-26): Per client's email request, this exception has been waived without compensating factors. |  |  | 07/26/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | Based on the application date more recent tax returns could have been available. XXXXX extension was provided. No business extension provided but this income was not used to qualify. |  |  |  | Reviewer Comment (2022-07-26): Per client's email request, this exception has been waived without compensating factors. |  |  | 07/26/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | Based on the application date more recent tax returns could have been provided. XXXXX extension was provided. |  |  |  | Reviewer Comment (2022-07-26): Per client's email request, this exception has been waived without compensating factors. |  |  | 07/26/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $500.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $500.00. |  |  |  | Reviewer Comment (2022-07-22): Sufficient Cure Provided At Closing |  | 07/22/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. |  | File is missing the XXXXX Rate Lock as required by the client's guidance. |  |  |  | Reviewer Comment (2022-07-29): Received XXXXX Rate lock document and same associated in file. Exception cleared.<br>Buyer Comment (2022-07-28): Lock | 07/29/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. |  |  |  |  | Reviewer Comment (2022-08-29): Per client's email request, this exception has been waived without compensating factors. |  |  | 08/29/2022 | 2 |  | B |  | B |  | B |  | B |  | B |  | XX | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | 6 months reserves required and not met. |  |  |  | Reviewer Comment (2022-09-02): Received Source of funds of EMD excluded amount $40000.00 and reserve requirement fulfilled. Exception Cleared.<br>Buyer Comment (2022-09-01): Source of Funds<br>Reviewer Comment (2022-08-31): Require additional bank statement to fulfill the reserve requirement or source of funds of EMD amount $40000.00 excluded from system as available bank statement (XXXXX) reflects $40000.00 withdrawal on XX/XX/XX.Exception remains.<br>Buyer Comment (2022-08-30): FUW Response Reserves | 09/02/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Verified assets of $XXXX are insufficient to cover funds needed for closing $XXXX. |  |  |  | Reviewer Comment (2022-08-31): Received additional bank statement of XXXXX, updated information and associated the same in file. Asset requirement has been fulfilled. Exception Cleared.<br>Buyer Comment (2022-08-30): FUW Response Assets | 08/31/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file is missing a copy of the final title policy. |  |  |  | Reviewer Comment (2022-08-18): Final Title Policy has been provided. Document associated. Exception cleared. | 08/18/2022 |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Title Preliminary Title Report is missing the ALTA Loan Policy amount and Final Title Policy was not provided to verify that sufficient title coverage was obtained. |  |  |  | Reviewer Comment (2022-08-18): Final Title Policy has been provided. Document associated. Exception cleared.<br>Buyer Comment (2022-08-17): updated title | 08/18/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. |  | File is missing all rate lock forms, including the XXXXX Rate Lock as required by the client's guidance. |  |  |  | Reviewer Comment (2022-08-09): XXXXX Rate lock provided.<br>Buyer Comment (2022-08-09): Initial lock | 08/09/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XXXX% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Per the Tape Data, the subject loan was originated as a XXXXX loan. However, the lender approved the subject loan with a DTI of XXXX%, which exceeds the XXXXX guideline maximum DTI of 43.00%. |  |  |  | Reviewer Comment (2022-08-12): As per received response consider XXXXX Guidelines in file and updated information accordingly, now DTI in line as per updated guideline, Exception cleared.<br>Buyer Comment (2022-08-11): Please see the attached explanation | 08/12/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Per the Tape Data, the subject loan was originated as a XXXXX loan. However, the lender approved the subject loan with a DTI of XXXX%, which exceeds the XXXXX guideline maximum DTI of 43.00%. |  |  |  | Reviewer Comment (2022-08-16): Received the XXXXX rate lock which verifies the subject loan was originated under the XXXXX program, not as a jumbo loan per the tape data. XXXXX Max DTI is 45.00%.<br>Buyer Comment (2022-08-16): ATR Worksheet & Refinance Eligibility<br>Reviewer Comment (2022-08-12): Total QM Debt Ratio Exceeds 43% and the loan does not meet agency requirement, Subject file DTI is XXXX$ as per AUS and 1008 document which is exceeding as per compliance requirement maximum DTI allowable 43%.Please provided revised documentation or lender exception to clear this exception. Exception Remains.<br>Buyer Comment (2022-08-11): Please see the attached explanation | 08/16/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk. | Due to a DTI of XXXX%, the subject loan is at ATR Risk. |  |  |  | Reviewer Comment (2022-08-16): Received the XXXXX rate lock which verifies the subject loan was originated under the XXXXX program, not as a jumbo loan per the tape data. XXXXX Max DTI is 45.00%.<br>Buyer Comment (2022-08-16): ATR Worksheet & Refinance Eligibility<br>Reviewer Comment (2022-08-12): Total QM Debt Ratio Exceeds 43% and the loan does not meet agency requirement, Subject file DTI is XXXX$ as per AUS and 1008 document which is exceeding as per compliance requirement maximum DTI allowable 43%.Please provided revised documentation or lender exception to clear this exception. Exception Remains.<br>Buyer Comment (2022-08-11): Please see the attached explanation | 08/16/2022 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Per the Tape Data, the subject loan was originated as a XXXXX loan. However, the lender approved the subject loan with a DTI of XXXX%, which exceeds the XXXXX guideline maximum DTI of 43.00%. |  |  |  | Reviewer Comment (2022-08-12): As per received response consider XXXXX Guidelines in file and updated information accordingly, now DTI in line as per updated guideline, Exception cleared.<br>Buyer Comment (2022-08-11): Please see the attached explanation | 08/12/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Due to a DTI of XXXX%, the subject loan is at ATR Risk. |  |  |  | Reviewer Comment (2022-08-12): As per received response consider XXXXX Guidelines in file and updated information accordingly, now DTI in line as per updated guideline, Exception cleared.<br>Buyer Comment (2022-08-11): Please see the attached explanation | 08/12/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | File is missing a copy of the final title policy. |  |  |  | Reviewer Comment (2022-08-24): Received the Final Title Policy for the subject property | 08/24/2022 |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Preliminary Title Report is missing the ALTA Loan Policy amount. Final Title Policy was not provided to verify sufficient title coverage was obtained. |  |  |  | Reviewer Comment (2022-08-24): Received the Final Title Policy for the subject property which verifies a sufficient ALTA policy.<br>Buyer Comment (2022-08-24): ALTA | 08/24/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $800.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was not disclosed on the Initial Loan Estimate, but disclosed as $800.00 on the revised Loan Estimate dated XX/XX/XX and on the Final Closing Disclosure. COC issued on XX/XX/XX disclosed the reason for the change as "Additional services required based on loan" however, the COC did not disclose what new information warranted the addition of the Appraisal Second Fee. Evidence of cure for the increase of $800.00 was not provided. |  |  |  | Reviewer Comment (2022-09-02): XXXXX received VCC.<br>Buyer Comment (2022-09-01): Additional details LOX<br>Reviewer Comment (2022-08-30): XXXXX upon further review require additional information to specify the reason of addition of the fee. COC provided only states additional services required based on loan which is not sufficient to clear the exception. Please provide additional information/valid COC or please provide cure documents.<br>Buyer Comment (2022-08-29): COC | 09/02/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | File is missing the DU Findings with Casefile ID #XXXXX as noted on the 1008 Transmittal Summary. Upon receipt of the missing DU Findings, additional conditions may apply. |  |  |  | Reviewer Comment (2022-08-19): Received the full DU Findings with no additional conditions required.<br>Buyer Comment (2022-08-19): DU Findings | 08/19/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $8,960.00 exceeds tolerance of $7,840.00. Insufficient or no cure was provided to the borrower. | Extension Fee was disclosed as $7,840.00 on the Binding Loan Estimate dated XX/XX/XX, but disclosed as $8,960.00 on the Final Closing Disclosure without a valid Change of Circumstance. Evidence of cure for the increase of $1,120.00 was not provided. |  |  |  | Reviewer Comment (2022-10-19): XXXXX received valid COC dated XX/XX/XX.<br>Buyer Comment (2022-10-18): Revised CDs provided to borrowers | 10/19/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS Findings: Qualifying asset balance discrepancy. |  | Verified assets of $XXXX are insufficient to cover the DU qualifying assets of $XXXX. Shortage is due to borrowers were qualified with net proceeds of $XXXX from the sale of the borrowers departure residence however, the file only contains an unsigned settlement statement and is missing proof the net proceeds were received by the borrowers as required by the Fannie Mae Selling Guide, B3-4.3-10, Anticipated Sales Proceeds. |  |  |  | Reviewer Comment (2022-10-20): Received Final Closing Statement for XXXXX property, details verified and updated, document associated. Exception cleared.<br>Buyer Comment (2022-10-19): Final Settlement Statement for sale of XXXXX | 10/20/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Verified reserves of 0.00 months are insufficient to cover the 3 months of reserves as required by the XXXXX guidelines.Shortage is due to borrowers were qualified with net proceeds of $XXXX from the sale of the borrowers departure residence however, the file only contains an unsigned settlement statement and is missing proof the net proceeds were received by the borrowers as required by the Fannie Mae Selling Guide, B3-4.3-10, Anticipated Sales Proceeds. |  |  |  | Reviewer Comment (2022-10-20): Received Final Closing Statement for XXXXX property, details verified and updated, document associated. Exception cleared.<br>Buyer Comment (2022-10-19): Please review uploaded Final Settlement Statement for sale of XXXXX and cancel Exception. | 10/20/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Verified assets of $XXXX are insufficient to cover the funds needed for closing of $XXXX. Shortage is due to borrowers were qualified with net proceeds of $XXXX from the sale of the borrowers departure residence however, the file only contains an unsigned settlement statement and is missing proof the net proceeds were received by the borrowers as required by the Fannie Mae Selling Guide, B3-4.3-10, Anticipated Sales Proceeds. |  |  |  | Reviewer Comment (2022-10-20): Received Final Closing Statement for XXXXX property, details verified and updated, document associated. Exception cleared.<br>Buyer Comment (2022-10-19): Please review uploaded Final Settlement Statement for sale of XXXXX and cancel Exception. | 10/20/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Due to a DTI of XXXX% which exceeds the DU DTI of 4.145% by XXXX%, the subject loan is at QM (APOR) Risk. |  |  |  | Reviewer Comment (2022-09-29): Received revised 1008,Aus document as per DTI in file and associated the same in file. Exception cleared.<br>Buyer Comment (2022-09-28): Good morning. Please refer to the attached DU certificate and 1008. The DTI has been corrected and updated on both of these documents. Thank you.<br>Reviewer Comment (2022-09-28): Calculated investor qualifying total debt ratio of XXXX% exceeds AUS debt ratio of $XX%, require additional/supporting relevant document or revised 1008 & AUS to clear this exception. Hence Exception Remains.<br>Buyer Comment (2022-09-26): Good afternoon. The XXXXX allows for a maximum DTI of 50%. See attached (Page 3 of 5). Please clear this condition, thank you. | 09/29/2022 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | DU qualified the borrower with a DTI of XXXX%. Per the Final 1003 the borrower was qualified with positive bet rental income of $XXXX for the XXXXX property however, the XXXXX Schedule E verifies the positive net rental income is $XXXX, which results in a DTI of XXXX%. Because the DTI increase of XXXX% exceeds the DU DTI Tolerance of 3.00%, resubmission to DU is required. Upon receipt of the resubmitted DU, additional conditions may apply. |  |  |  | Reviewer Comment (2022-09-29): Received revised 1008,Aus document as per DTI in file and associated the same in file. Exception cleared.<br>Buyer Comment (2022-09-28): Good morning. Please refer to the attached DU certificate and 1008. The DTI has been corrected and updated on both of these documents. Thank you.<br>Reviewer Comment (2022-09-28): Calculated investor qualifying total debt ratio of XXXX% exceeds AUS debt ratio of $XX%, require additional/supporting relevant document or revised 1008 & AUS to clear this exception. Hence Exception Remains.<br>Buyer Comment (2022-09-26): Good afternoon. The XXXXX allows for a maximum DTI of 50%. See attached (Page 3 of 5). Please clear this condition, thank you. | 09/29/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Due to a DTI of XXXX% which exceeds the DU DTI of 4.145% by XXXX%, the subject loan is at QM (APOR) Risk. |  |  |  | Reviewer Comment (2022-09-29): Received revised 1008,Aus document as per DTI in file and associated the same in file. Exception cleared.<br>Buyer Comment (2022-09-28): Good morning. Please refer to the attached DU certificate and 1008. The DTI has been corrected and updated on both of these documents. Thank you.<br>Reviewer Comment (2022-09-28): Calculated investor qualifying total debt ratio of XXXX% exceeds AUS debt ratio of $XX%, require additional/supporting relevant document or revised 1008 & AUS to clear this exception. Hence Exception Remains.<br>Buyer Comment (2022-09-26): Good afternoon. The XXXXX allows for a maximum DTI of 50%. See attached (Page 3 of 5). Please clear this condition, thank you. | 09/29/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Preliminary Title Report did not disclose an ALTA Loan Policy amount and Final Title Policy was not provided to verify that sufficient title coverage was obtained. |  |  |  | Reviewer Comment (2022-09-27): Received Title Preliminary document with correct policy amount and associated the same in file. Exception cleared.<br>Buyer Comment (2022-09-26): supplemental report attached, thanks. | 09/27/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Borrower was qualified with a DTI of XXXX%. Per the Final 1003 the borrower was qualified with positive rental rental income of $XXXX for the XXXXX property however, the XXXXX Schedule E verifies the positive net rental income is $XXXX, resulting in a DTI of XXXX% which exceeds the XXXXX guideline maximum DTI of 45.00%. |  |  |  | Reviewer Comment (2022-09-28): As per XXXXX program guidelines allows for maximum DTI of 50%,accordingly updated in system. Exception Cleared.<br>Buyer Comment (2022-09-26): Good afternoon. The XXXXX allows for a maximum DTI of 50%. See attached (Page 3 of 5). Please clear this condition, thank you. | 09/28/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of XXXX% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Borrower was qualified with a DTI of XXXX%. Per the Final 1003 the borrower was qualified with positive rental rental income of $XXXX for the XXXXX property however, the XXXXX Schedule E verifies the positive net rental income is $XXXX, resulting in a DTI of XXXX% which exceeds the XXXXX guideline maximum DTI of 45.00%. |  |  |  | Reviewer Comment (2022-09-28): As per XXXXX program guidelines allows for maximum DTI of 50%,accordingly updated in system. Exception Cleared.<br>Buyer Comment (2022-09-26): Good afternoon. The XXXXX allows for a maximum DTI of 50%. See attached (Page 3 of 5). Please clear this condition, thank you. | 09/28/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | File is missing the DU Findings with Casefile ID #XXXXX as noted on the 1008 Transmittal Summary. Upon receipt of the missing DU Findings, additional conditions may apply. |  |  |  | Reviewer Comment (2022-09-21): AUS provided.<br>Buyer Comment (2022-09-21): Please see AUS | 09/21/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | File is missing a copy of the final title policy. |  |  |  | Reviewer Comment (2022-09-28): Received Final title policy document with correct policy amount and associated the same in file. Exception Cleared. | 09/28/2022 |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Preliminary Title Report did not disclose an ALTA Loan Policy amount and Final Title Policy was not provided to verify that sufficient title coverage was obtained. Title supplement reflects a proposed liability of $XXXXX however also states this: "This information is given at the request of the proposed insured and is not construed to be title insurance or a policy of title insurance." |  |  |  | Reviewer Comment (2022-09-28): Received Final title policy document with correct policy amount and associated the same in file. Exception Cleared.<br>Buyer Comment (2022-09-27): Please see the FTP | 09/28/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XX | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $200.00 exceeds tolerance of $175.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-10-18): Sufficient Cure Provided At Closing |  | 10/18/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The most recent personal and business Tax Returns in file are from XXXXX & XXXXX. An extension for the XXXXX tax year, however, was filed for both the personal and business tax returns for both borrowers. |  |  |  | Reviewer Comment (2022-10-26): Per client email request, this exception has been waived without compensating factors. XXXXX tax return extension was provided in the file. |  |  | 10/26/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The most recent personal and business Tax Returns in file are from XXXXX & XXXXX. An extension for the XXXXX tax year, however, was filed for both the personal and business tax returns for both borrowers. |  |  |  | Reviewer Comment (2022-10-26): Per client email request, this exception has been waived without compensating factors. XXXXX tax return extension was provided in the file. |  |  | 10/26/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The most recent personal and business Tax Returns in file are from XXXXX & XXXXX. An extension for the XXXXX tax year, however, was filed for both the personal and business tax returns for both borrowers. |  |  |  | Reviewer Comment (2022-10-26): Per client email request, this exception has been waived without compensating factors. XXXXX tax return extension was provided in the file. |  |  | 10/26/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | XX | Primary | Purchase |  | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. |  | Rate lock not found at time of review, XX/XX/XX |  |  |  | Reviewer Comment (2022-10-17): Rate lock provided. Cleared.<br>Buyer Comment (2022-10-14): Rate Lock | 10/17/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | D | B | C | B | C | A | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: ___<br> Disaster Declaration Date: ___ | Disaster occurred after date of appraisal inspection, prior to closing, no disaster inspection found at time of review, XX/XX/XX |  |  |  | Reviewer Comment (2022-10-17): PDI provided. Cleared.<br>Buyer Comment (2022-10-17): Appraisal update | 10/17/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | D | B | C | B | C | A | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Lender not shown in hazard insurance binder, XX/XX/XX |  |  |  | Reviewer Comment (2022-10-17): HOI with loss payee clause provided. Cleared.<br>Buyer Comment (2022-10-17): HOI | 10/17/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | D | B | C | B | C | A | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | Missing desk review, collateral score was not provided. |  |  |  | Reviewer Comment (2022-10-17): CDA provided. | 10/17/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XX | Primary | Purchase |  | D | B | C | B | C | A | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Property - Appraisal | Appraisal Adjustments | Property - Appraisal | Excessive site value noted on appraisal without appraiser comments to justify |  | Appraiser failed to adequately address high land to value ratio. |  |  |  | Reviewer Comment (2022-10-17): After further review, exception has been cleared.<br>Buyer Comment (2022-10-17): The CDA exception was cleared XX/XX/XX. The CDA was not uploaded. Could you please confirm receipt?<br>Buyer Comment (2022-10-17): Appraisal | 10/17/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | D | B | C | B | C | A | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $155.00 exceeds tolerance of $99.00. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $155.00 exceeds tolerance of $99.00.Cure $56 provided at closing, This exception will be cured once all other open tolerance issues have been addressed. |  |  |  | Reviewer Comment (2022-10-25): COC provided. Cleared.<br>Buyer Comment (2022-10-25): Please see uploaded COC and FEMA notice for addition of disaster inspection fee. CR cured at close on final CD. | 10/25/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | C | B | C | A | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Disaster Inspection Fee. Fee Amount of $250.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Disaster Inspection Fee. Fee Amount of $250.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2022-10-25): COC provided. Cleared.<br>Buyer Comment (2022-10-25): FEMA notice - disaster inspection fee added as a result of XXXXX<br>Buyer Comment (2022-10-25): COC to add disaster inspection fee | 10/25/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | C | B | C | A | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan is testing Higher Priced QM (APOR). Review used initial rate lock date of XX/XX/XX and an average prime offering index date of XX/XX/XX, index 5.0600 + margin of 1.5% = threshold of 6.56% versus calculated 6.63310%. File is missing subsequent re-locks needed to re-baseline. |  |  |  | Reviewer Comment (2022-11-03): See new Exception.<br>Buyer Comment (2022-11-03): Please downgrade to 2, investor exception pending.<br>Reviewer Comment (2022-10-21): COMPLIANCE RESPONSE: <br> A borrower credit for a higher interest rate would not be disclosed as negative discount points. The regulation provides that id there are no points charged to REDUCE the interest rate, the points section should be left blank. Accordingly, any credit for higher interest rate would be disclosed and considered a general lender credit. General lender credits are not applied to specific fees or serve to impact the APR unless specifically itemized to be applied to fees that are finance charges (though CD as paid by lender or through separate itemization). The application of general lender credits can also be set through deal settings and the deal settings for provide that a separate itemization of general lender credits can be used to determine to which fees general credits apply. If an itemization is not in file, the general credit will be applied to non-finance charges first, then to finance charges. Note, even if the deal setting is updated to apply to general lender credits to finance charges first, it is worth noting that there are only $1,413.94 of finance charges that the general credit can be applied to offset the finance charge calculation. Even If all finance charges are paid by the lender credit, the APR on the loan is still calculated at XXXX%, which is still more than XXXX% over the APOR of 5.06%. <br>Restated loan originator designation required to address loan designation mismatch exception.<br>Buyer Comment (2022-10-19): Lock confirmation attached - Per Lender: "While a standard discount buys down the interest rate, a negative discount increases the rate and provides a credit to the borrower. The borrower did not pay $XXXX to buy down the rate. Instead, the borrower requested a negative discount point (which is a credit) in exchange for a higher interest rate. The loan was priced at XXXX%, as shown in the attached price sheet. The premium pricing aligns with the negative discount points given to the applicant (-1.065%, -$31,950). Once the negative discount point is applied to the finance charge, the APR is reduced from XXXX% (as displayed on the first CD) to XXXX%, which is displayed on the corrected CD. The first CD which displayed an APR of XXXX% in error because the $XXXX was listed as a general credit instead of a negative discount. Once this was corrected, the final APR was within the Safe Harbor QM requirements. This correction did not result in additional cash due from the borrower at close."<br>Reviewer Comment (2022-10-18): PCCD provided which reflects buyer paid -$XXXX to buy the rate down. If the XXXX% rate was not at par and there was a rate buydown, The discounted points should be expressed for testing and the lender credit should be also reflected to offset. Please provide rate sheet analyzer to confirm par rate or rate buydown cost. Further explanation is also required in that buyer out of pocket cash to close $XXXX did not change from closing CD to PCCD. Lender credits given were not properly set forth in the final/PCCD. It is presumed in the final CD lender credit was to cover closing costs which is represented differently now in the PCCD. Provide rationale for the changes. Exception remains.<br>Buyer Comment (2022-10-17): PCCD - Per lender: "corrected to properly allocate the lender credit and reflect the accurate APR, which is within tolerance of the QM safe harbor threshold." | 11/03/2022 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status | D | B | C | B | C | A | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Property | Valuation | Valutation Issue | Valuation | Program guidelines require 2 appraisals on loan amounts greater than $1,500,000. |  | Missing full second appraisal report. |  |  |  | Reviewer Comment (2022-10-17): Second appraisal provided. Cleared.<br>Buyer Comment (2022-10-17): 2nd appraisal | 10/17/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | D | B | C | B | C | A | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing evidence of the XXXXX, XXXXX and XXXXX payment to XXXXX for departure at XXXXX. (24) months required, |  |  |  | Reviewer Comment (2022-10-18): Mortgage statement and credit supplement provided showing due for XX/XX/XX. Cleared.<br>Buyer Comment (2022-10-17): Mortgage statement<br>Buyer Comment (2022-10-17): Credit Suppl | 10/18/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XX | Primary | Purchase |  | D | B | C | B | C | A | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $155.00 exceeds tolerance of $99.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing. |  |  |  | Reviewer Comment (2022-10-25): Sufficient Cure Provided At Closing |  | 10/25/2022 |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase | Final CD evidences Cure | D | B | C | B | C | A | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Max LTV/CLTV is 75% per XXXXX overlays | The representative FICO score is above 680. | XXXX score | SitusAMC,Originator Pre-Close,Originator,Aggregator | Reviewer Comment (2022-11-03): Client elects to waive with compensating factor.<br>Buyer Comment (2022-11-03): Please downgrade to a 2, investor exception pending. |  |  | 11/03/2022 | 2 | C | B | C | B | C | B | C | B | C | B |  | XX | Primary | Purchase |  | D | B | C | B | C | A | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Max LTV/CLTV is 75% per XXXXX overlays | The representative FICO score is above 680. | XXXX score | SitusAMC,Originator Pre-Close,Originator,Aggregator | Reviewer Comment (2022-11-03): Client elects to waive with compensating factor.<br>Buyer Comment (2022-11-03): Please downgrade to a 2, investor exception pending. |  |  | 11/03/2022 | 2 | C | B | C | B | C | B | C | B | C | B |  | XX | Primary | Purchase |  | D | B | C | B | C | A | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Compliance | Compliance | Miscellaneous Compliance | Compliance | Other Compliance Exception (Manual Add) |  | Loan is testing Higher Priced QM (APOR). Review used initial rate lock date of XX/XX/XX and an average prime offering index date of XX/XX/XX, index 5.0600 + margin of 1.5% = threshold of 6.56% versus calculated 6.63310%. File is missing subsequent re-locks needed to re-baseline. |  |  |  | Reviewer Comment (2022-11-02): Redundant | 11/02/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XX | Primary | Purchase |  | D | B | C | B | C | A | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Loan is testing Higher Priced QM (APOR). Review used initial rate lock date of XX/XX/XX and an average prime offering index date of XX/XX/XX, index 5.0600 + margin of 1.5% = threshold of 6.56% versus calculated 6.63310%. File is missing subsequent re-locks needed to re-baseline. | The representative FICO score is above 680. | XXXX score | SitusAMC,Originator Pre-Close,Originator,Aggregator | Reviewer Comment (2022-11-03): Client elects to waive with compensating factors,<br>Buyer Comment (2022-11-03): Please downgrade to 2, investor exception pending. |  |  | 11/03/2022 | 2 |  | B |  | B |  | B |  | B |  | B |  | XX | Primary | Purchase |  | D | B | C | B | C | A | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |

---

## Exhibit 99.2

[GS Mortgage-Backed Securities Trust 2023-PJ2 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.2 - Schedule 4**

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| ![](logo_004.jpg) | ![](logo_004.jpg) | ![](logo_004.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 2/8/2023 12:47:39 PM** | **Run Date - 2/8/2023 12:47:39 PM** | **Run Date - 2/8/2023 12:47:39 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Appraised Value** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraisal Valuation Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Report Date** | **Second Appraisal Effective Date** | **Second Appraisal Type** | **Second Appraisal Company** | **Second Appraisal Confidence Score** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence<br> Score** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.30 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.800% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.90 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.40 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.40 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.70 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.30 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.30 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 10.169% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.70 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 3.198% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.80 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.40 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.30 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.90 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.20 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.10 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 2.857% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.904% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.70 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.30 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.20 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 4.408% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | -5.213% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.20 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.90 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.20 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.40 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.20 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.10 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 1.235% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.40 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 3.896% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.20 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | -6.582% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.80 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.70 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.40 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 4.70 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.20 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.80 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.70 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.30 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.20 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.20 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.40 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.30 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.20 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 3.679% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | -4.899% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.70 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.40 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.40 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | -4.773% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.40 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 1.049% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.80 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.30 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.40 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.20 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 2.400% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.80 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Stated |  |  | 0.560% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  | N/A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.20 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  | XXXX |  | Indeterminate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.80 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.80 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.30 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.30 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.40 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.40 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.80 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.20 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 2.128% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.40 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.30 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.80 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 4.10 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.90 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.80 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.40 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.20 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.20 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.70 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.10 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.70 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.80 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.70 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.870% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 16.667% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | -4.372% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.30 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.80 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.20 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.10 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.30 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.30 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.70 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 4.10 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.536% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.10 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 4.396% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.40 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.10 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.10 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 4.70 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.80 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.80 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.10 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.30 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.20 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.90 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.30 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | -2.010% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.70 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.80 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | -2.928% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.70 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.90 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 2.381% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.20 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.10 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 12.121% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 3.011% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.40 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.20 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.70 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.30 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | -1.338% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.20 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.30 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.10 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.20 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.20 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.20 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.70 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 4.30 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.20 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.70 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.90 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | -5.882% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 1.220% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |

---

## Exhibit 99.2

[GS Mortgage-Backed Securities Trust 2023-PJ2 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.2 - Schedule 5**

---

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| ![](logo_005.jpg) | ![](logo_005.jpg) | ![](logo_005.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Supplemental Data** | **Supplemental Data** | **Supplemental Data** | **Supplemental Data** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 2/8/2023 12:47:39 PM** | **Run Date - 2/8/2023 12:47:39 PM** | **Run Date - 2/8/2023 12:47:39 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **TILA Status Loan Designation** | **Application Date** | **TRID** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **DSCR** | **Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $29104.81 |  | 3.610% | $0.00 | 5 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $3260.00 |  | 3.990% | $1000.00 | 2.3 | LP / LPA |  | Caution/Ineligible | No | No | XXXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business License - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2022<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2020 | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1990.00 |  | 3.920% | $6500.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 1 | 0 | 1 | 0 | 2 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Trust Income]; Other - 2022<br> [Borrower - \| Non-Primary Income - Trust Income]; Trust Agreement - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019 | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $38463.80 |  | 3.920% | $11200.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 0 | 1 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2020 | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $9659.00 |  | 3.920% | $0.00 | 5 | LP / LPA |  | Caution/Ineligible | Yes | No | XXXX | 1 | 0 | 1 | 0 | 2 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - C-Corp]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - C-Corp]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - C-Corp]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - C-Corp]; 1120 - 2020<br> [Borrower - \| Non-Primary Income - C-Corp]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - C-Corp]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - C-Corp]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $8922.00 |  | 3.920% | $0.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 1 |  | 1 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Higher Priced QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $21189.36 |  | 3.960% | $0.00 | 2.9 | LP / LPA |  | Caution/Ineligible | N/A | No | XXXX | 2 |  | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX |  |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business License - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2022<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2022<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Borrower - \| Non-Primary Income - Pension]; 1099 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $19157.80 |  | 3.920% | $2168.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 0 | 1 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $15306.00 |  | 3.960% | $4980.50 | 3.4 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $22936.60 |  | 4.230% | $0.00 | 1.4 | DU |  | ApproveIneligible | No | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $20468.75 |  | 4.230% | $0.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Tax Return Extension (for Business) - 2021<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 1065 - 2019<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - C-Corp]; Tax Return Extension (for Business) - 2021<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2020<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; Tax Return Extension (for Business) - 2021<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; 1065 - 2020<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; 1065 - 2019<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; K-1 - 2019 | [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Account Transcripts - 2021<br> [Borrower]; Account Transcripts - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Account Transcripts - 2021<br> [Coborrower]; Tax Return Extension - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Account Transcripts - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $17094.06 |  | 4.230% | $0.00 | 3.7 | DU |  | ApproveIneligible | No | No | XXXX | 1 | 0 | 2 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $6985.00 |  | 4.230% | $120000.00 | 1.5 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 | 2 | 1 | 0 | 2 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $7342.60 |  | 4.230% | $0.00 | 3.3 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 1 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $20287.40 |  | 4.490% | $5000.00 | 4.3 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 1 | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $29019.00 |  | 4.490% | $0.00 | 5 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020 | [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $10155.00 |  | 4.490% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 |  | 1 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; Other - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $26040.00 |  | 4.490% | $0.00 | 2.7 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 2 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - C-Corp]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2021<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2020<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2019 | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $38235.94 |  | 4.490% | $0.00 |  | DU |  | ApproveIneligible | No | No | XXXX | 2 | 0 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1055.00 |  | 4.490% | $0.00 | 1.1 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 |  | 1 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 3 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $9595.00 |  | 4.490% | $0.00 |  | LP / LPA |  | Caution/Ineligible | No | No | XXXX | 1 | 1 | 0 | 0 | 2 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $28548.44 |  | 4.490% | $5000.00 | 1.1 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 2 | 0 | 0 | 3 | 4 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Balance Sheet - 2022<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $2489.00 |  | 4.490% | $0.00 | 2.5 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 0 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - Trust Income]; Account Statements - 2022<br> [Borrower - \| Non-Primary Income - Trust Income]; Account Statements - 2022<br> [Borrower - \| Non-Primary Income - Trust Income]; Trust Agreement - 2022<br> [Borrower - \| Non-Primary Income - Trust Income]; Trustee's Statement - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $32735.00 |  | 4.490% | $0.00 | 2.6 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 |  | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $21440.00 |  | 4.490% | $0.00 |  | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business License - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - Social Security]; Deposit Receipt - 2022<br> [Borrower - \| Non-Primary Income - Pension]; Paystubs - 2022 | [Borrower]; Tax Return Extension - 2021<br> [Borrower]; Account Transcripts - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; Account Transcripts - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1440.00 |  | 4.490% | $0.00 | 1 | LP / LPA |  | Caution/Ineligible | Yes | No | XXXX | 2 |  | 1 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Projected Income]; Employment Offer - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $11377.60 |  | 4.740% | $3500.00 | 5 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (43-Q) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2019<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 3 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1295.00 |  | 4.740% | $15000.00 | 3.5 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 3 | 3 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 3 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $48702.60 |  | 4.740% | $0.00 |  | DU |  | ApproveIneligible | No | No | XXXX | 3 |  | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Restricted Stock Agreement - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Restricted Stock Agreement - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $19499.00 |  | 4.740% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $14280.00 |  | 4.740% | $2000.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1295.00 |  | 4.740% | $0.00 | 2.8 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $21035.00 |  | 4.740% | $0.00 | 2.4 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 3 | 2 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1195.00 |  | 4.740% | $0.00 | 2.6 | LP / LPA |  | Caution/Ineligible | No | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - Wages]; Other - 2022<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $16924.20 |  | 4.740% | $0.00 | 2.3 | DU |  | ApproveIneligible | No | No | XXXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $15331.25 |  | 4.790% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 |  | 2 | 0 | 0 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $13519.50 |  | 4.790% | $0.00 |  | DU |  | ApproveIneligible | No | No | XXXX | 0 | 0 | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $5540.00 |  | 4.790% | $650.00 | 2.9 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $10633.64 |  | 4.790% | $0.00 | 2.2 | DU |  | ApproveIneligible | No | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2019 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $14902.31 |  | 5.070% | $0.00 | 4.1 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 2 | 0 | 2 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $18659.00 |  | 5.070% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $10893.65 |  | 5.070% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2021 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $17045.14 |  | 5.180% | $5000.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 1 | 1 | 0 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business License - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $31055.00 |  | 5.180% | $5000.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business License - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Business License - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Business License - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $33830.68 |  | 5.180% | $0.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 1 | 1 | 1 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $19470.00 |  | 5.180% | $0.00 | 1.7 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 | 2 | 0 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $30469.90 |  | 5.350% | $81000.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 1 | 2 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $2950.00 |  | 5.180% | $7000.00 | 2.5 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $42612.27 |  | 4.790% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $18023.83 |  | 5.180% | $5940.00 | 2.6 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $41835.00 |  | 5.180% | $0.00 | 2.3 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $19162.17 |  | 5.170% | $0.00 | 2.6 | DU |  | ApproveIneligible | No | No | XXXX | 3 |  | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $32871.71 |  | 5.170% | $0.00 | 5 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Account Transcripts - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $12690.00 |  | 5.380% | $0.00 | 3.2 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 |  | 0 | 0 | 5 | 3 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Projected Income]; Other - 2022<br> [Borrower - \| Primary Income - Projected Income]; VVOE - 2022<br> [Borrower - \| Primary Income - Projected Income]; Employer Letter - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $23370.00 |  | 5.170% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 0 | 0 | 0 | 1 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business License - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - No Results Returned - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Business License - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 Transcript - No Results Returned - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020 | [Borrower]; Account Transcripts - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Tax Return Extension - 2021<br> [Borrower]; Account Transcripts - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Account Transcripts - 2021<br> [Coborrower]; Tax Return Extension - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $39904.03 |  | 3.920% | $0.00 | 4.6 | DU |  | ApproveIneligible | No | No | XXXX | 1 | 1 | 1 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 3 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $6455.00 |  | 5.070% | $0.00 | 1.6 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 3 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $18643.40 |  | 5.350% | $0.00 | 3 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 |  | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX |  |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $11381.36 |  | 5.350% | $25000.00 | 1.1 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 2 | 0 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Account Statements - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 3 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $6899.00 |  | 5.170% | $0.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 3 |  | 3 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $14232.91 |  | 5.330% | $0.00 | 1.1 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 |  | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1099 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2021<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Deposit Receipt - 2022<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Deposit Receipt - 2022<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099 - 2021 | [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Tax Return Extension - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $21655.00 |  | 5.350% | $0.00 | 3 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 0 | 1 | 0 | 1 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $13600.00 |  | 5.350% | $0.00 | 3.2 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $4716.98 |  | 5.350% | $0.00 | 1.6 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2022<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2021<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2020<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Account Statements - 2022<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2021<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2020<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Account Statements - 2022<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2022<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; 1099-R - 2021<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; 1099-R - 2020<br> [Coborrower(s) - \| Primary Income - Pension]; Account Statements - 2022<br> [Coborrower(s) - \| Primary Income - Pension]; 1099-R - 2021<br> [Coborrower(s) - \| Primary Income - Pension]; 1099-R - 2020<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Account Statements - 2022<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; 1099-SSA - 2021<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; 1099-SSA - 2020<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2022<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; 1099-R - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $13055.00 |  | 5.350% | $0.00 | 2.9 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $24759.14 |  | 5.350% | $10000.00 | 1.2 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $19060.80 |  | 5.350% | $3040.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 0 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $17394.80 |  | 5.180% | $0.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $34050.00 |  | 5.070% | $7000.00 | 4.6 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 2 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $23140.68 |  | 5.350% | $24900.00 | 1.9 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 0 | 1 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2019 | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $8855.00 |  | 5.350% | $4850.00 | 3.5 | DU |  | ApproveIneligible | No | No | XXXX | 1 | 0 | 1 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $995.00 |  | 5.350% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 2 | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $21055.00 |  | 5.350% | $14400.00 | 2.4 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; Other - 2022<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; Other - 2022<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2022 | [Borrower]; Account Transcripts - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1055.00 |  | 4.790% | $0.00 | 1.5 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 2 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1195.00 |  | 5.350% | $0.00 | 2 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 2 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $14851.00 |  | 5.350% | $0.00 | 4.2 | DU |  | ApproveIneligible | No | No | XXXX | 1 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $5122.80 |  | 5.350% | $0.00 | 3.1 | DU |  | ApproveIneligible | No | No | XXXX | 1 |  | 1 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $19528.96 |  | 5.350% | $16000.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 1 | 0 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $46544.00 |  | 5.380% | $0.00 | 2.4 | DU |  | ApproveIneligible | No | No | XXXX | 1 |  | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $15630.34 |  | 5.170% | $0.00 | 2.6 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $13055.00 |  | 5.350% | $0.00 | 3 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | No |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $5514.60 |  | 5.350% | $27428.03 | 3.2 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 |  | 2 | 0 | 4 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $27455.00 |  | 5.350% | $0.00 | 2.8 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $26255.00 |  | 5.350% | $0.00 | 2.5 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 2 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $15708.70 |  | 5.350% | $7334.00 | 1.7 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $21055.00 |  | 5.350% | $0.00 | 4.4 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 2 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $7830.20 |  | 5.380% | $0.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $21855.00 |  | 5.380% | $0.00 | 4.7 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 1 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $9833.00 |  | 5.380% | $0.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $10551.80 |  | 5.380% | $0.00 | 3.2 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Projected Income]; Employment Offer - 2022<br> [Borrower - \| Primary Income - Projected Income]; VVOE - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $15755.00 |  | 5.380% | $0.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $24495.00 |  | 5.380% | $0.00 | 1.6 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $20500.00 |  | 5.380% | $0.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 1 |  | 0 | 0 | 2 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $7495.00 |  | 5.380% | $0.00 | 2.1 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 0 | 0 | 0 | 2 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $19718.13 |  | 5.170% | $0.00 | 2.6 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 | 1 | 1 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $21095.00 |  | 5.380% | $0.00 | 1.8 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 0 | 2 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $21923.88 |  | 5.380% | $0.00 | 4 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 2 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Alimony]; Deposit Receipt - 2022<br> [Borrower - \| Primary Income - Alimony]; Other - 2022<br> [Borrower - \| Primary Income - Alimony]; Divorce Decree - 2019 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $23472.90 |  | 5.380% | $0.00 | 4.7 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $10213.56 |  | 5.380% | $0.00 | 1.9 | DU |  | ApproveIneligible | No | No | XXXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Business License - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Business License - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $17910.44 |  | 5.380% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 |  | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $14408.20 |  | 4.790% | $0.00 | 2.6 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 0 | 2 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1555.00 |  | 5.380% | $0.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 3 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $41095.00 |  | 5.380% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $31500.00 |  | 5.380% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $22613.52 |  | 5.380% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 |  | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $22968.50 |  | 5.380% | $0.00 | 3.6 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $46502.00 |  | 5.170% | $0.00 | 3.3 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2022<br> [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2022<br> [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2022<br> [Coborrower(s) - \| Primary Income - IRA Distribution]; Account Statements - 2022<br> [Coborrower(s) - \| Primary Income - IRA Distribution]; Account Statements - 2022<br> [Coborrower(s) - \| Primary Income - IRA Distribution]; Account Statements - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $22455.20 |  | 5.380% | $0.00 | 1.2 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020 | [Borrower]; Tax Return Extension - 2021<br> [Borrower]; Account Transcripts - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Account Transcripts - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Tax Return Extension - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $20864.80 |  | 5.380% | $7500.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 0 | 1 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $11868.00 |  | 5.380% | $0.00 | 2.6 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - Child Support]; Child Support Order - 2021<br> [Borrower - \| Non-Primary Income - Child Support]; Deposit Receipt - 2021<br> [Borrower - \| Non-Primary Income - Child Support]; Divorce Decree - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $10000.00 |  | 5.170% | $0.00 | 1.2 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 |  | 2 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $15900.00 |  | 5.380% | $9940.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 | 0 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $4055.00 |  | 5.380% | $0.00 | 1.4 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 0 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $9059.21 |  | 5.170% | $0.00 | 3.3 | DU |  | ApproveIneligible | No | No | XXXX | 1 | 1 | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 2 | 2 |  |  | XXXX | $16240.07 |  | 5.350% | $0.00 | 1.2 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 2 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1720.00 |  | 5.180% | $0.00 | 1.1 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 | 1 | 0 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Tax Return Extension - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $7055.00 |  | 5.380% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  | XXXX |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1195.00 |  | 5.380% | $0.00 | 2 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 2 | 0 | 0 | 4 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020 | [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $22795.00 |  | 5.380% | $10000.00 | 3 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $10655.00 |  | 5.180% | $12000.00 | 2.6 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 0 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 3-Stated/Verified as defined | Level 1-Not Stated/Not Verified | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $17489.00 |  | 5.380% | $20000.00 | 2.1 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2022<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2021<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Coborrower(s) - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2022<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2021<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $20887.20 |  | 5.380% | $0.00 | 2.1 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Account Transcripts - 2021<br> [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; Tax Return Extension - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1055.00 |  | 5.380% | $0.00 | 2.1 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 |  | 2 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $36087.27 |  | 5.380% | $0.00 | 1.9 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020 | [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Account Transcripts - 2021<br> [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $21672.50 |  | 5.380% | $0.00 | 2.7 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 1 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $16055.00 |  | 5.380% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $19900.00 |  | 5.330% | $0.00 | 4.6 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $6408.91 |  | 5.330% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Projected Income]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Projected Income]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Projected Income]; WVOE - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $17205.00 |  | 5.330% | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | XXXX | 2 | 0 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2019 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $15573.62 |  | 5.330% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 0 | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - C-Corp]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - C-Corp]; CPA Letter - 2022<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2021<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $13055.00 |  | 5.330% | $0.00 | 1.4 | DU |  | ApproveIneligible | No | No | XXXX | 1 |  | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019 | [Borrower]; Tax Return Extension - 2021<br> [Borrower]; Account Transcripts - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $11335.00 |  | 5.330% | $14000.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 |  | 2 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $21055.00 |  | 5.330% | $0.00 | 5 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 0 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $2545.00 |  | 5.330% | $0.00 | 1.4 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 |  | 1 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1099 Transcript - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; Account Transcripts - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Account Transcripts - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Account Transcripts - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Account Transcripts - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $15085.80 |  | 5.330% | $5000.00 | 1 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 1 | 1 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $15271.37 |  | 5.170% | $0.00 | 2.1 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 0 | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $19302.86 |  | 5.330% | $0.00 | 5 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $15775.00 |  | 5.330% | $10000.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 |  | 0 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $7695.00 |  | 5.170% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $16465.63 |  | 5.330% | $0.00 | 2.6 | DU |  | ApproveEligible | Yes | No | XXXX | 2 | 0 | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Projected Income]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Projected Income]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $9555.80 |  | 5.330% | $0.00 | 2.6 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - K-1 (< 25%)]; Tax Return Extension (for Business) - 2021<br> [Borrower - \| Primary Income - K-1 (< 25%)]; 1065 - 2020<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - K-1 (< 25%)]; 1065 - 2019<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2019 | [Borrower]; Tax Return Extension - 2021<br> [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Tax Return Extension - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1040 - 2019 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $14828.64 |  | 5.330% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 0 | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX |  |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $8600.00 |  | 5.330% | $0.00 | 2.1 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - Wages]; Other - 2022<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $5016.10 |  | 5.330% | $17000.00 | 1.9 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022 | [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Tax Return Extension - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $12465.00 |  | 5.330% | $10000.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 0 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Paystubs - 2022<br> [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2014<br> [Coborrower(s) - \| Primary Income - Projected Income]; Employer Letter - 2022<br> [Coborrower(s) - \| Primary Income - Projected Income]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Paystubs - 2022<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $11400.00 |  | 5.330% | $5000.00 | 5 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 0 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2021<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2020<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $26400.00 |  | 5.330% | $0.00 | 1 | DU |  | ApproveEligible | No | No | XXXX | 2 |  | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Business Return Transcripts - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019 | [Borrower]; Tax Return Extension - 2021<br> [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $20000.00 |  | 5.330% | $0.00 | 5 | DU |  | ApproveIneligible | No | No | XXXX | 3 |  | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $17090.00 |  | 5.330% | $0.00 | 2.1 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 |  | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $22014.49 |  | 5.330% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 2 | 0 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $4500.00 |  | 5.330% | $0.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 2 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1414.00 |  | 5.330% | $0.00 | 3.4 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 2 | 2 | 0 | 1 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2013<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2012 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $20000.00 |  | 5.330% | $0.00 | 1.8 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 2 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2021 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $8168.06 |  | 5.330% | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | XXXX | 2 | 1 | 0 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $20282.20 |  | 5.330% | $0.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 1 | 2 | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; Tax Return Extension - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Tax Return Extension - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $12019.00 |  | 5.330% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 | 0 | 1 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Tax Return Extension - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $27369.60 |  | 5.330% | $0.00 | 2.6 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 |  | 1 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $13555.00 |  | 5.330% | $0.00 | 1.3 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 | 2 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $15845.00 |  | 5.330% | $5000.00 | 2.6 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $295.00 |  | 5.330% | $0.00 | 3.4 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Projected Income]; VVOE - 2022<br> [Borrower - \| Primary Income - Projected Income]; WVOE - 2022<br> [Borrower - \| Primary Income - Projected Income]; Employment Contract - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1440.00 |  | 5.330% | $0.00 | 2.2 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $15583.00 |  | 5.330% | $2662.00 | 1 | DU |  | ApproveIneligible | Yes |  | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Balance Sheet - 2022<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 3 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $11299.00 |  | 5.330% | $0.00 | 3.5 | DU |  | ApproveIneligible | No | No | XXXX | 1 | 1 | 3 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Account Transcripts - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $27462.85 |  | 5.330% | $2500.00 | 2.6 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 |  | 1 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $11055.00 |  | 5.330% | $10000.00 | 1.1 | DU |  | ApproveIneligible | No | No | XXXX | 3 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Projected Income]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Projected Income]; VVOE - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $28400.00 |  | 5.330% | $0.00 | 5 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $21052.00 |  | 5.170% | $0.00 | 1.5 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-T - 2019<br> [Borrower]; 4506-T - 2018<br> [Borrower]; 4506-T - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-T - 2019<br> [Coborrower]; 4506-T - 2018<br> [Coborrower]; 4506-T - 2017<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $17155.00 |  | 5.330% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 2 | 1 | 0 | 5 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2022<br> [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2022<br> [Borrower - \| Primary Income - IRA Distribution]; Deposit Receipt - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $10555.00 |  | 5.330% | $0.00 | 2 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2020 | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX |  |  | 5.330% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | XXXX | 0 |  | 1 | 0 | 2 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $21055.00 |  | 5.180% | $0.00 | 2.8 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 3 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $2402.37 |  | 5.180% | $0.00 | 2.6 | DU |  | ApproveIneligible | No | No | XXXX | 3 |  | 3 | 0 | 2 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Trust Income]; Account Statements - 2022<br> [Borrower - \| Primary Income - Trust Income]; Account Statements - 2022<br> [Borrower - \| Primary Income - Trust Income]; Other - 2022<br> [Borrower - \| Primary Income - Trust Income]; Trust Agreement - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1990.00 |  | 5.070% | $0.00 | 4.5 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 0 | 0 | 2 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | Yes | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $4595.84 |  | 5.070% | $0.00 |  | DU | Yes | ApproveEligible | N/A | No | XXXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | Yes | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $10126.00 |  | 5.170% | $0.00 | 1 | LP / LPA |  | Accept | Yes | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Account Transcripts - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Account Transcripts - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1195.00 |  | 5.180% | $0.00 | 3.2 | LP / LPA |  | Caution/Ineligible | No | No | XXXX | 2 | 2 | 0 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $14867.50 |  | 5.180% | $0.00 | 3 | DU |  | ApproveIneligible | No | No | XXXX | 1 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Tax Return Extension - 2021<br> [Coborrower]; Account Transcripts - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $23555.00 |  | 5.180% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 2 | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $11055.00 |  | 5.330% | $0.00 | 2.5 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 2 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $8400.00 |  | 5.070% | $0.00 | 5 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 2 | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Account Transcripts - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Account Transcripts - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $9155.00 |  | 5.180% | $0.00 | 1.1 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 |  | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1155.00 |  | 5.180% | $0.00 | 1.5 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 2 | 0 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Note Receivable]; Account Statements - 2022<br> [Borrower - \| Primary Income - Note Receivable]; Note - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1490.00 |  | 3.610% | $0.00 | 3.8 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $5066.90 |  | 5.180% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 | 0 | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Interest / Dividends]; Account Statements - 2022<br> [Borrower - \| Primary Income - Interest / Dividends]; Account Statements - 2022<br> [Borrower - \| Primary Income - Interest / Dividends]; Account Statements - 2022<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2022<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Other - 2022<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2022<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Other - 2022 | [Borrower]; Account Transcripts - 2021<br> [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Account Transcripts - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Account Transcripts - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Account Transcripts - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $16055.00 |  | 5.330% | $0.00 | 2 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 0 | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $11505.00 |  | 5.180% | $1700.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business License - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Business License - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Business License - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1690.00 |  | 5.180% | $280355.00 | 2.6 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 0 | 2 | 0 | 2 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $16590.00 |  | 5.330% | $0.00 | 5 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Account Statements - 2022<br> [Borrower - \| Primary Income - Social Security]; Account Statements - 2022<br> [Borrower - \| Primary Income - Social Security]; Account Statements - 2022<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2022<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2022<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2022<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2021<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2020<br> [Coborrower(s) - \| Non-Primary Income - Interest / Dividends]; Other - 2022<br> [Coborrower(s) - \| Non-Primary Income - Interest / Dividends]; Verification of Deposit - 2022<br> [Coborrower(s) - \| Non-Primary Income - Interest / Dividends]; Other - 2021<br> [Coborrower(s) - \| Non-Primary Income - Interest / Dividends]; Other - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $7893.00 |  | 5.350% | $0.00 | 2.1 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 0 | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2017<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $9605.00 |  | 5.180% | $0.00 | 2.8 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 0 | 1 | 0 | 4 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $29845.00 |  | 5.160% | $6000.00 | 3 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 |  | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $20785.00 |  | 5.180% | $5000.00 | 2.5 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $13555.80 |  | 5.180% | $500.00 | 3.6 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 | 0 | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 1040 - 2019 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $20995.00 |  | 5.330% | $0.00 | 1.3 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 0 | 2 | 0 | 2 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Tax Return Extension - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $8510.00 |  | 5.180% | $4000.00 | 1 | DU |  | ApproveEligible | Yes | No | XXXX | 2 |  | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - Trust Income]; Account Statements - 2022<br> [Borrower - \| Non-Primary Income - Trust Income]; Other - 2022<br> [Borrower - \| Non-Primary Income - Trust Income]; Trust Agreement - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019 | [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Tax Return Extension - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $4414.00 |  | 5.180% | $0.00 | 2.3 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 2 | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $13899.00 |  | 5.180% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 | 2 | 2 | 0 | 2 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; Account Transcripts - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; Account Transcripts - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $10645.00 |  | 5.880% | $3000.00 | 1.4 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 |  | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | No |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $14114.75 |  | 5.180% | $0.00 | 1.6 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $19339.12 |  | 5.180% | $20000.00 | 1.4 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 2 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $23055.00 |  | 5.180% | $0.00 | 1.5 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 |  | 0 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business License - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1205.84 |  | 5.180% | $0.00 | 5 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | XXXX | $1726.72 |  | 5.350% | $0.00 | 2.6 | DU |  | ApproveIneligible | No | No | XXXX | 3 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $13749.00 |  | 5.330% | $0.00 | 2.6 | DU |  | ApproveIneligible | No | No | XXXX | 1 | 1 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $8480.80 |  | 5.180% | $0.00 | 2.8 | DU |  | ApproveIneligible | No | No | XXXX | 1 | 1 | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $6962.50 |  | 5.180% | $0.00 | 1.1 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Trust Income]; Account Statements - 2022<br> [Borrower - \| Primary Income - Trust Income]; Account Statements - 2022<br> [Borrower - \| Primary Income - Trust Income]; Account Statements - 2022<br> [Borrower - \| Primary Income - Trust Income]; Other - 2022<br> [Borrower - \| Primary Income - Trust Income]; Trust Agreement - 2022<br> [Borrower - \| Primary Income - Trust Income]; Account Statements - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $35256.50 |  | 4.790% | $0.00 | 2.6 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $27312.20 |  | 5.180% | $0.00 | 3.5 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 2 | 1 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $10163.00 |  | 5.180% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 |  | 0 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $13065.00 |  | 5.180% | $24230.00 | 2.2 | DU |  | ApproveEligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | No |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1195.00 |  | 5.160% | $0.00 | 1.4 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 1 | 0 | 0 | 4 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020 | [Borrower]; Tax Return Extension - 2021<br> [Borrower]; Account Transcripts - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Tax Return Extension - 2021<br> [Coborrower]; Account Transcripts - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $25370.80 |  | 5.160% | $5000.00 | 2.3 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 1 | 1 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $13055.00 |  | 5.160% | $0.00 | 1.5 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 |  | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Borrower - \| Non-Primary Income - IRA Distribution]; 1099-R - 2021<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2022<br> [Borrower - \| Non-Primary Income - IRA Distribution]; 1099-R - 2021<br> [Borrower - \| Non-Primary Income - IRA Distribution]; 1099-R - 2020<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2022<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2021<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2020<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2022<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2021<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2020<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Account Statements - 2022<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; 1099-R - 2021 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $23530.00 |  | 5.160% | $0.00 | 3.8 | LP / LPA |  | Caution/Ineligible | No | No | XXXX | 0 | 0 | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  | 240 | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Trust Income]; Account Statements - 2022<br> [Borrower - \| Non-Primary Income - Trust Income]; Deposit Receipt - 2022<br> [Borrower - \| Non-Primary Income - Trust Income]; Trustee's Statement - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $12280.53 |  | 5.160% | $7700.00 | 2.6 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $14390.77 |  | 5.160% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 0 | 1 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1055.00 |  | 5.160% | $0.00 | 4.1 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 0 | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 5-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 3-Stated/Verified as defined | Level 1-Not Stated/Not Verified | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $295.00 |  | 5.160% | $0.00 | 3.9 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Tax Return Extension - 2021<br> [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Tax Return Extension - 2021<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1057.00 |  | 5.160% | $5200.00 | 2.8 | DU |  | ApproveIneligible | No | No | XXXX | 1 | 2 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019 | [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Account Transcripts - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Account Transcripts - 2020<br> [Borrower]; Account Transcripts - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Tax Return Extension - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Account Transcripts - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Account Transcripts - 2020<br> [Coborrower]; Account Transcripts - 2019<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $6296.60 |  | 5.160% | $0.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 3 | 3 | 2 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020 | [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $16719.24 |  | 5.160% | $0.00 | 1.6 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 |  | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $12914.82 |  | 5.160% | $10000.00 | 2.4 | LP / LPA |  | Caution/Ineligible | No | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2022<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2021<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $14123.21 |  | 5.160% | $0.00 | 2.6 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 1 | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Projected Income]; Employer Letter - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; Account Transcripts - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Account Transcripts - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $18096.44 |  | 5.160% | $3000.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 0 | 0 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $9618.46 |  | 5.160% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $25592.51 |  | 5.160% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2022 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 3 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $10719.00 |  | 5.070% | $0.00 | 1.9 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 |  | 3 | 0 | 1 | 3 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $20705.40 |  | 5.330% | $0.00 | 2.6 | DU |  | ApproveIneligible | No | No | XXXX | 1 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2019 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $16835.80 |  | 5.160% | $11820.00 | 3.2 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 0 | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2021<br> [Coborrower]; Tax Return Extension - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; Transcripts (1040) - 2019 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $18969.21 |  | 5.160% | $0.00 | 2 | DU |  | ApproveIneligible | No | No | XXXX | 1 | 0 | 2 | 0 | 2 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $13419.85 |  | 5.160% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $32182.80 |  | 5.160% | ($10000.00) | 1.1 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $5926.05 |  | 5.160% | $0.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $16895.00 |  | 5.310% | $0.00 | 3.5 | DU |  | ApproveEligible | No | No | XXXX | 2 | 2 | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | US Citizen |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $4805.00 |  | 5.310% | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | XXXX | 2 | 2 | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 3 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1295.00 |  | 5.310% | $5500.00 | 1.2 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 |  | 3 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; Other - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; Other - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; Other - 2018 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $12510.00 |  | 5.310% | $0.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $20203.25 |  | 5.310% | $11000.00 | 3.7 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $9293.40 |  | 5.180% | $0.00 | 1.9 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 | 0 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX |  |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Trust Income]; Account Statements - 2022<br> [Borrower - \| Primary Income - Trust Income]; Other - 2022<br> [Borrower - \| Primary Income - Trust Income]; Trust Agreement - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX |  |  | 5.310% | $0.00 | 5 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - C-Corp]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - C-Corp]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - C-Corp]; CPA Letter - 2022<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $14855.00 |  | 5.310% | $0.00 | 2.6 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 1 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $11889.00 |  | 5.860% | $240000.00 | 3.5 | LP / LPA |  | Caution/Ineligible | Yes | No | XXXX | 0 |  | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Balance Sheet - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Business License - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 4506-T - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-T - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $20859.56 |  | 5.880% | $0.00 | 3.1 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2021<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2021<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Balance Sheet - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2021<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Balance Sheet - 2022<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $14735.00 |  | 5.860% | $0.00 | 2.5 | DU |  | ApproveEligible | No | No | XXXX | 2 | 0 | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Projected Income]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Projected Income]; Employment Offer - 2022<br> [Borrower - \| Primary Income - Projected Income]; VVOE - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $22456.40 |  | 5.860% | $0.00 | 1.9 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Higher Priced QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2018<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2022 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $25995.00 |  | 5.180% | $0.00 | 2.1 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 0 | 1 | 0 | 2 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $21925.70 |  | 5.860% | $0.00 | 1.6 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 3 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $2205.67 |  | 5.170% | $0.00 | 2.7 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 3 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Non-Primary Income - Sole Proprietor]; Business License - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business License - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Business License - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Coborrower(s) - \| Primary Income - IRA Distribution]; Account Statements - 2022 | [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1607.28 |  | 5.310% | $1000.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 0 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2018<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Account Transcripts - 2014<br> [Borrower]; Account Transcripts - 2013<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $17955.00 |  | 5.860% | $0.00 | 1.8 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 1 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX |  |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Non-Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $11055.00 |  | 5.860% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 | 2 | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $29346.49 |  | 5.860% | $25000.00 | 5 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 |  | 1 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $19935.00 |  | 5.860% | $29000.00 | 4.5 | DU |  | ApproveIneligible | No | No | XXXX | 1 | 1 | 2 | 0 | 2 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020 | [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $2379.00 |  | 5.860% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 |  | 1 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1055.00 |  | 4.740% | $1000.00 | 3 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 2 | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; Other - 2022<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $10034.06 |  | 5.060% | $0.00 | 2.7 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $35555.00 |  | 5.860% | $0.00 | 1.9 | DU |  | ApproveIneligible | No | No | XXXX | 1 |  | 1 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Coborrower(s) - \| Non-Primary Income - Pension]; VA Verification of Benefits - 2022<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099 - 2021<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099 - 2020<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2017 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1055.00 |  | 5.860% | $0.00 | 1.9 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 2 | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2022<br> [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2022<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2022 | [Borrower]; Tax Return Extension - 2021<br> [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $31055.00 |  | 5.860% | $0.00 | 2.6 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 |  | 1 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; Tax Return Extension - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $31055.00 |  | 5.860% | $0.00 | 2.6 | DU |  | ApproveIneligible | No | No | XXXX | 1 | 1 | 1 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX |  |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $8726.02 |  | 5.860% | $0.00 | 1.5 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 2 | 0 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $16190.00 |  | 5.860% | $4000.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 3 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (43-Q) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1845.00 |  | 5.880% | $0.00 | 1.5 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 0 | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 2-Stated/Not Verified |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $20000.00 |  | 5.860% | $20000.00 | 1.9 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $31055.00 |  | 5.880% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 | 2 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $26561.88 |  | 5.310% | $0.00 | 5 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 2 | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020 | [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $11055.00 |  | 5.880% | $0.00 | 3.3 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX |  |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $7055.00 |  | 5.880% | $0.00 | 1.8 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $8428.24 |  | 4.790% | $0.00 | 3.2 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2020 | [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; Tax Return Extension - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $26389.40 |  | 5.880% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 1 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Tax Return Extension - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $13715.65 |  | 5.880% | $0.00 | 2 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 0 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $14805.00 |  | 5.880% | $0.00 | 5 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX |  |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business License - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020 | [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $21993.32 |  | 5.880% | $0.00 | 3.1 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 0 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Higher Priced QM (APOR) |  | Yes | Yes | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $13520.80 |  | 5.160% | $0.00 | 1.9 | LP / LPA |  | Accept | Yes | No | XXXX | 2 |  | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $14495.00 |  | 5.860% | $0.00 | 3.3 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 |  | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1615.00 |  | 5.880% | $0.00 | 1.3 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 | 0 | 1 | 0 | 2 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1040 - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 1040 - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 3 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $16055.00 |  | 5.880% | $0.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 3 | 2 | 3 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2022<br> [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; Account Transcripts - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $26355.00 |  | 5.880% | $0.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 2 | 0 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 3 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $5345.00 |  | 5.880% | $0.00 | 1.5 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 3 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $11760.05 |  | 5.880% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 2 | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $20294.36 |  | 5.160% | $0.00 | 2.7 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 2 | 2 | 0 | 2 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1440.00 |  | 5.780% | $8000.00 | 2.5 | LP / LPA |  | Caution/Ineligible | No | No | XXXX | 1 | 1 | 1 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $11055.00 |  | 5.780% | $0.00 | 2 | DU |  | ApproveIneligible | Yes | No | XXXX | 3 | 0 | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1440.00 |  | 5.780% | $0.00 | 2.6 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $16055.00 |  | 5.780% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 0 | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Balance Sheet - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Balance Sheet - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; Account Transcripts - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Account Transcripts - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Account Transcripts - 2021<br> [Coborrower]; Account Transcripts - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $4047.80 |  | 5.580% | $15000.00 | 4.1 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 0 | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1295.00 |  | 5.780% | $0.00 | 3.1 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $5000.00 |  | 5.160% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $21276.69 |  | 5.780% | $0.00 | 2.6 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (43-Q) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $81717.70 |  | 5.880% | $8700.00 | 2.6 | DU |  | ApproveIneligible | No | No | XXXX | 3 | 0 | 2 | 0 | 4 | 2 |  |  | XXXX | No |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $29897.25 |  | 5.170% | $50000.00 | 2 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 |  | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Projected Income]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Projected Income]; Employer Non-Revocable Contract - 2022<br> [Borrower - \| Primary Income - Projected Income]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Trust Income]; Account Statements - 2022<br> [Coborrower(s) - \| Primary Income - Trust Income]; Trustee's Statement - 2022<br> [Coborrower(s) - \| Primary Income - Trust Income]; K-1 - 2021<br> [Coborrower(s) - \| Primary Income - Trust Income]; K-1 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019 | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $6331.25 |  | 5.350% | $0.00 | 2.4 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 0 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1390.00 |  | 4.490% | $0.00 | 4.1 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 |  | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | Yes | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $6722.00 |  | 5.070% | $0.00 | 3.1 | DU |  | ApproveEligible | N/A | No | XXXX | 0 |  | 1 | 0 | 4 | 1 |  |  | XXXX | No |  |  |  |  |  | No |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2020 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 3 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $15059.75 |  | 4.490% | $5000.00 | 1 | LP / LPA |  | Accept | No | No | XXXX | 2 | 1 | 3 | 0 | 4 | 4 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Trust Income]; Account Statements - 2022<br> [Coborrower(s) - \| Primary Income - Trust Income]; Account Statements - 2022<br> [Coborrower(s) - \| Primary Income - Trust Income]; Account Statements - 2020<br> [Coborrower(s) - \| Primary Income - Trust Income]; Trust Agreement - 2019 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $6572.50 |  | 5.370% | $0.00 | 1.9 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 0 | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Balance Sheet - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2022 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019 | 3 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1230.00 |  | 5.370% | $10000.00 | 2.5 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 0 | 3 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $295.00 |  | 5.370% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; Account Transcripts - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $28350.00 |  | 5.370% | $0.00 | 2.5 | LP / LPA |  | Caution/Ineligible | Yes | No | XXXX | 0 |  | 1 | 0 | 1 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | Yes | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $5350.00 |  | 5.310% | $0.00 | 4.7 | LP / LPA |  | Accept | Yes | No | XXXX | 1 | 2 | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2019 | [Borrower]; 1040 - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 3 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $16055.00 |  | 5.860% | $0.00 | 4 | DU |  | ApproveIneligible | No | No | XXXX | 3 |  | 3 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2022<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2022<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; Leave and Earnings Statement (LES) - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $3359.00 |  | 5.780% | $15000.00 | 3.8 | LP / LPA |  | Caution/Ineligible | No | No | XXXX | 0 | 1 | 2 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $23435.00 |  | 5.580% | $25000.00 | 1.8 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 2 | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2017<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Tax Return Extension - 2021<br> [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; Tax Return Extension - 2021<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $13990.00 |  | 5.580% | $0.00 | 3.1 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 2 | 1 | 0 | 2 | 3 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business License - 2015 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $32692.20 |  | 5.580% | $0.00 | 1.6 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 |  | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $4188.00 |  | 5.610% | $10000.00 | 2.3 | LP / LPA |  | Caution/Ineligible | Yes | No | XXXX | 1 | 1 | 0 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $14002.50 |  | 5.780% | $0.00 | 1.2 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 0 | 2 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | Yes | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $5380.88 |  | 5.180% | $56000.00 | 1 | LP / LPA |  | Accept | Yes | No | XXXX | 2 |  | 1 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1000.00 |  | 5.610% | $0.00 | 1 | LP / LPA |  | Caution/Ineligible | Yes | No | XXXX | 0 |  | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2019<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Trust Income]; Account Statements - 2022<br> [Borrower - \| Non-Primary Income - Trust Income]; Deposit Receipt - 2022<br> [Borrower - \| Non-Primary Income - Trust Income]; Trust Agreement - 2022<br> [Borrower - \| Non-Primary Income - Trust Income]; Trustee's Statement - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $2757.20 |  | 5.350% | $0.00 | 3.9 | DU |  | ApproveIneligible | No | No | XXXX | 3 |  | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; Day 1 Certainty - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1690.00 |  | 5.330% | $0.00 | 2.6 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 0 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2018 | [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; Tax Return Extension - 2021<br> [Borrower]; Account Transcripts - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Account Transcripts - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; Account Transcripts - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $23537.86 |  | 5.370% | $0.00 | 2.5 | DU |  | ApproveIneligible | No | No | XXXX | 4 |  | 2 | 0 | 4 | 4 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1390.00 |  | 5.200% | $39416.43 | 4.3 | LP / LPA |  | Accept | No | No | XXXX | 0 |  | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $995.00 |  | 5.370% | $0.00 | 4.6 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 0 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1440.00 |  | 5.370% | $0.00 | 2.5 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 |  | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Projected Income]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Projected Income]; Employment Contract - 2022<br> [Borrower - \| Primary Income - Projected Income]; Other - 2022<br> [Borrower - \| Primary Income - Projected Income]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $9125.25 |  | 5.370% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 1 | 1 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020 | [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $27250.15 |  | 5.060% | $0.00 | 3.5 | DU |  | ApproveIneligible | No | No | XXXX | 1 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No | XXXX |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; Tax Return Extension - 2021<br> [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 3 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $14855.00 |  | 5.350% | $0.00 | 1.7 | DU |  | ApproveEligible | No | No | XXXX | 2 |  | 3 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (43-Q) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - Capital Gains]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; Tax Return Extension - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2021<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 1040 - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Tax Return Extension - Year Not Available | 3 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1590.00 |  | 5.330% | $0.00 | 2.8 |  |  |  | Yes | No | XXXX | 1 | 2 | 3 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | XXXX | $22830.40 |  | 5.200% | $15169.00 | 2.5 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 |  | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $13106.64 |  | 5.280% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 2 | 2 | 0 | 2 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $25331.80 |  | 5.060% | $20000.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 0 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Balance Sheet - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2021<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2020<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2021 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $21055.00 |  | 5.200% | $0.00 | 2.5 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 |  | 2 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX | No |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1440.00 |  | 5.200% | $5000.00 | 2.7 | LP / LPA |  | Accept | Yes | No | XXXX | 2 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX | No | XXXX |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Tax Return Extension - 2021<br> [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $25173.20 |  | 5.730% | $0.00 | 2.1 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 1 | 2 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2021<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2020<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2019 | [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Tax Return Extension - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $27353.90 |  | 5.370% | $16875.00 | 2.1 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 3 | 1 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business License - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $18460.38 |  | 5.370% | $0.00 | 2.9 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 2 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $16800.00 |  | 5.580% | $40000.00 | 3.2 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 0 | 1 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $17435.00 |  | 5.200% | $0.00 | 3.6 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 2 | 0 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Trust Income]; Account Statements - 2022<br> [Borrower - \| Primary Income - Trust Income]; Trustee's Statement - 2022<br> [Borrower - \| Primary Income - Trust Income]; Trust Agreement - 1998 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $23572.67 |  | 6.090% | $0.00 | 5 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX | No |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2020<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Balance Sheet - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2021<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2020<br> [Borrower - \| Non-Primary Income - Trust Income]; Other - 2022<br> [Borrower - \| Non-Primary Income - Trust Income]; Other - 2021<br> [Borrower - \| Non-Primary Income - Trust Income]; Trust Agreement - 2014 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Account Transcripts - 2021<br> [Borrower]; Account Transcripts - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $29474.85 |  | 6.380% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 |  | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX | No |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $28379.00 |  | 5.330% | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | XXXX | 3 |  | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | Yes | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $7205.00 |  | 5.160% | $0.00 | 3.1 | DU |  | ApproveEligible | N/A | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-T - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-T - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-T - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-T - 2020<br> [Coborrower]; 4506-C - 2020 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $6000.00 |  | 5.160% | $0.00 | 3 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 0 | 0 | 0 | 2 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2019 | [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $36184.00 |  | 5.180% | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | XXXX | 3 |  | 2 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - C-Corp]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - C-Corp]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - C-Corp]; P&L Statement - 2022<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - C-Corp]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - C-Corp]; CPA Letter - 2021<br> [Borrower - \| Primary Income - C-Corp]; P&L Statement - 2021<br> [Borrower - \| Primary Income - C-Corp]; Tax Return Extension (for Business) - 2021<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2020<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020 | [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 4506-T - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-T - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $6230.50 |  | 4.230% | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 |  | 1 | 0 | 2 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $19831.00 |  | 5.070% | $0.00 | 2.4 | LP / LPA |  | Caution/Ineligible | N/A | No | XXXX | 2 | 2 | 2 | 0 | 4 | 2 |  |  | XXXX | No |  |  | HELOC | No |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Higher Priced QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2019 | [Borrower]; 4506-T - 2021<br> [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-T - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-T - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $27292.52 |  | 5.310% | $0.00 | 4 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Pension]; Account Statements - 2022<br> [Coborrower(s) - \| Primary Income - Pension]; Paystubs - 2022<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Account Statements - 2022<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Other - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $21545.84 |  | 5.310% | $0.00 | 1.2 | DU |  | ApproveEligible | N/A | No | XXXX | 0 | 0 | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019 | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $9565.10 |  | 3.960% | $0.00 | 2.7 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 0 | 1 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $995.00 |  | 5.780% | $0.00 | 2.3 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 0 | 2 | 0 | 2 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1390.00 |  | 5.330% | $0.00 | 3.2 | LP / LPA |  | Accept | No | No | XXXX | 1 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | Level 4-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Non-Primary Income - Housing Allowance]; Paystubs - 2022<br> [Coborrower(s) - \| Non-Primary Income - Housing Allowance]; WVOE - 2022<br> [Coborrower(s) - \| Non-Primary Income - Housing Allowance]; Paystubs - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019 | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $15750.99 |  | 5.160% | $0.00 | 1.3 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 0 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Restricted Stock Agreement - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1595.00 |  | 5.380% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 2 | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Non-Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $15601.99 |  | 5.160% | $124882.09 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 |  | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  | Down Payment Assistance | No |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (43-Q) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $4433.00 |  | 5.180% | $0.00 | 4.1 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 0 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Higher Priced QM (APOR) |  | Yes | Yes | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $5850.00 |  | 5.180% | $1500.00 | 4.6 | LP / LPA |  | Accept | No | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2019<br> [Borrower - \| Non-Primary Income - Trust Income]; Account Statements - 2022<br> [Borrower - \| Non-Primary Income - Trust Income]; Trust Agreement - 2022<br> [Borrower - \| Non-Primary Income - Trust Income]; Trustee's Statement - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Balance Sheet - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2022 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $24485.00 |  | 5.860% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 | 0 | 2 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1490.00 |  | 5.180% | ($34000.00) | 2.6 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 |  | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; Account Transcripts - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Account Transcripts - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Account Transcripts - 2017 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $15249.00 |  | 5.160% | $0.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 0 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $3172.00 |  | 5.350% | $0.00 | 2.6 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $5687.59 |  | 5.180% | $0.00 | 2.2 | DU |  | ApproveIneligible | No | No | XXXX | 3 | 2 | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Other - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Coborrower(s) - \| Primary Income - IRA Distribution]; Account Statements - 2022<br> [Coborrower(s) - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019 | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1390.00 |  | 5.780% | $18000.00 | 3 | LP / LPA |  | Caution/Ineligible | Yes | No | XXXX | 0 | 0 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $3943.00 |  | 5.860% | $0.00 | 1.2 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 |  | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1645.00 |  | 5.860% | $0.00 | 5 | LP / LPA |  | Caution/Ineligible | No | No | XXXX | 1 | 0 | 1 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2021<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Other - 2022<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Other - 2022<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; CPA Letter - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $15526.25 |  | 5.310% | $3000.00 | 3.2 | LP / LPA |  | Accept | No | No | XXXX | 2 | 2 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $6495.00 |  | 5.610% | $0.00 | 1.7 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Account Statements - 2022<br> [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2022<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Coborrower(s) - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2022<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Account Statements - 2022<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2022<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1490.00 |  | 5.160% | $0.00 | 1.1 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019 | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1645.00 |  | 5.780% | $5000.00 | 2.6 | DU |  | ApproveIneligible | No | No | XXXX | 1 | 0 | 1 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2020<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2015<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $12298.00 |  | 5.580% | $0.00 | 4.3 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX | No |  |  | XXXX | XXXX |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2022<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $19125.77 |  | 5.880% | $0.00 | 1.2 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business License - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1645.00 |  | 5.280% | $0.00 | 2.7 | DU |  | ApproveIneligible | No | No | XXXX | 1 |  | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Trust Income]; Trust Agreement - 2022<br> [Borrower - \| Non-Primary Income - Trust Income]; Trustee's Statement - 2022 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $31742.00 |  | 6.380% | $3000.00 | 3.9 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX | No | XXXX |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022 | [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Tax Return Extension - 2021<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $47459.00 |  | 5.730% | $500.00 | 1.9 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 2 | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX | No |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Higher Priced QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2020 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $2289.00 |  | 5.060% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 2 | 0 | 0 | 4 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX |  |  |  |

---

## Exhibit 99.2

[GS Mortgage-Backed Securities Trust 2023-PJ2 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.2 - Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| ![](logo_006.jpg) | ![](logo_006.jpg) | ![](logo_006.jpg) | ![](logo_006.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **ASF** | **ASF** | **ASF** | **ASF** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 2/8/2023 12:47:40 PM** | **Run Date - 2/8/2023 12:47:40 PM** | **Run Date - 2/8/2023 12:47:40 PM** | **Run Date - 2/8/2023 12:47:40 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Primary Servicer** | **Servicing Fee Percentage** | **Servicing Fee Flat Dollar** | **Servicing Advance Methodology** | **Originator** | **Loan Group** | **Loan Number** | **Amortization Type** | **Lien Position** | **Heloc Indicator** | **Loan Purpose** | **Cash Out Amount** | **Total Origination and Discount Points in Dollars** | **Covered High Cost Loan Indicator** | **Relocation Loan Indicator** | **Broker Indicator** | **Channel** | **Escrow Indicator** | **Senior Loan Amounts** | **Loan Type of Most Senior Lien** | **Hybrid Period of Most Senior Lien in Months** | **Neg Am Limit of Most Senior Lien** | **Junior Mortgage Balance** | **Origination Date of Most Senior Lien** | **Origination Date** | **Original Loan Amount** | **Original Interest Rate** | **Original Amortization Term** | **Original Term to Maturity** | **First Payment Date of Loan** | **Interest Type Indicator** | **Original Interest Only Term** | **Buy Down Period** | **HELOC Draw Period** | **Current Loan Amount** | **Current Interest Rate** | **Current Payment Amount Due** | **Interest Paid Through Date** | **Current Payment Status** | **Index Type** | **ARM Look Back Days** | **Gross Margin** | **ARM Round Flag** | **ARM Rounding Factor** | **Initial Fixed Rate Period** | **Initial Interest Rate Cap Change Up** | **Initial Interest Rate Cap Change Down** | **Subsequent Interest Rate Reset Period** | **Subsequent Interest Rate Change Down** | **Subsequent Interest Rate Change Up** | **Lifetime Maximum Rate Ceiling** | **Lifetime Minimum Rate Floor** | **Negative Amortization Limit** | **Initial Negative Amortization Recast Period** | **Subsequent Negative Amortization Recast Period** | **Initial Fixed Payment Period** | **Subsequent Payment Reset Period** | **Initial Periodic Payment Cap** | **Subsequent Periodic Payment Cap** | **Initial Minimum Payment Reset Period** | **Subsequent Minimum Payment Reset Period** | **Option ARM Indicator** | **Options at Recast** | **Initial Minimum Payment** | **Current Minimum Payment** | **Prepayment Penalty Calculation** | **Prepayment Penalty Type** | **Prepayment Penalty Total Term** | **Prepayment Penalty Hard Term** | **Primary Borrower ID** | **Number of Mortgaged Properties** | **Total Number of Borrowers** | **Self Employment Flag** | **Current Other Monthly Payment** | **Length of Employment Borrower** | **Length of Employment Co Borrower** | **Years in Home** | **FICO Model Used** | **Most Recent FICO Date** | **Primary Wage Earner Original FICO Equifax** | **Primary Wage Earner Original FICO Experian** | **Primary Wage Earner Original FICO Transunion** | **Secondary Wage Earner Original FICO Equifax** | **Secondary Wage Earner Original FICO Experian** | **Secondary Wage Earner Original FICO Transunion** | **Most Recent Primary Borrower FICO** | **Most Recent Co Borrower FICO** | **Most Recent FICO Method** | **Vantagescore Primary Borrower** | **Vantagescore Co Borrower** | **Most Recent Vantagescore Method** | **Vantagescore Date** | **Credit Report Longest Trade Line** | **Credit Report Maximum Trade Line** | **Credit Report Number of Trade Lines** | **Credit Line Usage Ratio** | **Most Recent 12 Month Pay History** | **Months Bankruptcy** | **Months Foreclosure** | **Primary Borrower Wage Income** | **Co Borrower Wage Income** | **Primary Borrower Other Income** | **Co Borrower Other Income** | **All Borrower Wage Income** | **All Borrower Total Income** | **4506T Indicator** | **Borrower Income Verification Level** | **Co Borrower Income Verification Level** | **Borrower Employment Verification Level** | **Co Borrower Employment Verification Level** | **Borrower Asset Verification Level** | **Co Borrower Asset Verification Level** | **Liquid Cash Reserves** | **Monthly Debt All Borrowers** | **Originator DTI** | **Fully Indexed Rate** | **Qualification Method** | **Percentage of Down Payment From Borrower Own Funds** | **City** | **State** | **Postal Code** | **Property Type** | **Occupancy** | **Sales Price** | **Original Appraised Property Value** | **Original Property Valuation Type** | **Original Property Valuation Date** | **Original Automated Valuation Model AVM Model Name** | **Original AVM Confidence Score** | **Most Recent Property Value** | **Most Recent Property Valuation Type** | **Most Recent Property Valuation Date** | **Most Recent AVM Model Name** | **Most Recent AVM Confidence Score** | **Original CLTV** | **Original LTV** | **Original Pledged Assets** | **Mortgage Insurance Company Name** | **Mortgage Insurance Percent** | **MI Lender or Borrower Paid** | **Pool Insurance Co Name** | **Pool Insurance Stop Loss Percent** | **MI Certificate Number** | **Updated DTI Front End** | **Updated DTI Back End** | **Modification Effective Payment Date** | **Total Capitalized Amount** | **Total Deferred Amount** | **Pre Modification Interest Note Rate** | **Pre Modification P&I Payment** | **Pre Modification Initial Interest Rate Change Downward Cap** | **Pre Modification Subsequent Interest Rate Cap** | **Pre Modification Next Interest Rate Change Date** | **Pre Modification IO Term** | **Forgiven Principal Amount** | **Forgiven Interest Amount** | **Number of Modifications** | **Real Estate Interest** | **Community Ownership Structure** | **Year of Manufacture** | **HUD Code Compliance Indicator Y/N** | **Gross Manufacturers Invoice Price** | **LTI Loan to Invoice Gross** | **Net Manufacturers Invoice Price** | **LTI Net** | **Manufacturer Name** | **Model Name** | **Down Payment Source** | **Community Related Party Lender Y/N** | **Defined Underwriting Criteria Y/N** | **Chattel Indicator** |
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| XXXX | 0.000000 |  | 99 |  | UNK | [redacted] | 1 | 1 | 0 | 6 | XXXX | 65559.00 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 1 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 71 | 60556.00 | 1 | 0.000000 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redacted] | 1 | 1 | 0 | 7 | XXXX | 4266.08 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 69 | 34500.00 | 5 | 0.194234 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 2 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redacted] | 1 | 1 | 0 | 7 | XXXX | 8566.42 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 296 | 100814.00 | 6 | 0.168589 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 3 | 1 | 1 | 1 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 2 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redacted] | 1 | 1 | 0 | 7 | XXXX | 41664.00 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 1 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 175 | 157196.00 | 13 | 0.192428 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redacted] | 1 | 1 | 0 | 7 | XXXX | 30352.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 87 | 56000.00 | 3 | 0.073256 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redacted] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 196 | 247781.00 | 4 | 0.126263 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

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## Exhibit 99.2

[GS Mortgage-Backed Securities Trust 2023-PJ2 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.2 - Schedule 7**

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| | | | | |
|:---|:---|:---|:---|:---|
| ![](logo_007.jpg) | ![](logo_007.jpg) | ![](logo_007.jpg) | ![](logo_007.jpg) | ![](logo_007.jpg) |
| **Data Compare Summary (Total)** | **Data Compare Summary (Total)** | **Data Compare Summary (Total)** | **Data Compare Summary (Total)** | **Data Compare Summary (Total)** |
| **Run Date - 2/8/2023 12:45:58 PM** | **Run Date - 2/8/2023 12:45:58 PM** | **Run Date - 2/8/2023 12:45:58 PM** | **Run Date - 2/8/2023 12:45:58 PM** | **Run Date - 2/8/2023 12:45:58 PM** |
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| # of Units | 0 | 13 | 0.00% | 365 |
| Amortization Term | 0 | 13 | 0.00% | 365 |
| Amortization Type | 0 | 13 | 0.00% | 365 |
| Balloon Flag | 0 | 364 | 0.00% | 365 |
| Borrower First Name | 0 | 365 | 0.00% | 365 |
| Borrower FTHB | 0 | 13 | 0.00% | 365 |
| Borrower Last Name | 0 | 365 | 0.00% | 365 |
| Borrower SSN | 0 | 364 | 0.00% | 365 |
| City | 0 | 365 | 0.00% | 365 |
| Decision System | 0 | 13 | 0.00% | 365 |
| Escrow Account | 0 | 2 | 0.00% | 365 |
| Has FTHB | 0 | 4 | 0.00% | 365 |
| Investor: Qualifying Total Debt Ratio | 0 | 365 | 0.00% | 365 |
| Lender | 0 | 364 | 0.00% | 365 |
| Lien Position | 0 | 13 | 0.00% | 365 |
| Mortgage Type | 0 | 10 | 0.00% | 365 |
| Note Date | 0 | 13 | 0.00% | 365 |
| Occupancy | 0 | 365 | 0.00% | 365 |
| Original CLTV | 0 | 365 | 0.00% | 365 |
| Original Interest Rate | 0 | 365 | 0.00% | 365 |
| Original Loan Amount | 0 | 365 | 0.00% | 365 |
| Original LTV | 0 | 365 | 0.00% | 365 |
| Originator Loan Designation | 0 | 364 | 0.00% | 365 |
| PITIA Reserves Months | 0 | 209 | 0.00% | 365 |
| Product Description | 0 | 364 | 0.00% | 365 |
| Property Type | 0 | 365 | 0.00% | 365 |
| Purpose | 0 | 365 | 0.00% | 365 |
| Refi Purpose | 0 | 22 | 0.00% | 365 |
| Representative FICO | 0 | 365 | 0.00% | 365 |
| State | 0 | 365 | 0.00% | 365 |
| Street | 0 | 365 | 0.00% | 365 |
| Zip | 0 | 365 | 0.00% | 365 |
| **Total** | **0** | **7633** | **0.00%** | **365** |

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