# EDGAR Filing Document

**Accession Number:** 0001142786
**File Stem:** 0001999371-25-015577
**Filing Date:** 2025-10
**Character Count:** 3485703
**Document Hash:** f664fd49710ce0f8379d9d9f7f9fa5fc
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-25-015577.hdr.sgml**: 20251016

**ACCESSION NUMBER**: 0001999371-25-015577

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

**PUBLIC DOCUMENT COUNT**: 47

**CONFORMED PERIOD OF REPORT**: 20251016

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

**FILED AS OF DATE**: 20251016

**DATE AS OF CHANGE**: 20251016

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

**ABS ASSET CLASS**: Residential mortgages - Prime

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** J.P. Morgan Acceptance Corp II
- **CENTRAL INDEX KEY:** 0001142786
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 364449120
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-01089
- **FILM NUMBER:** 251398495

**BUSINESS ADDRESS:**
- **STREET 1:** 1 BANK ONE PLAZA
- **CITY:** CHICAGO
- **STATE:** IL
- **ZIP:** 60670
- **BUSINESS PHONE:** 3127820600

**MAIL ADDRESS:**
- **STREET 1:** 1 BANK ONE PLAZA
- **CITY:** CHICAGO
- **STATE:** IL
- **ZIP:** 60670

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** BOND SECURITIZATION LLC
- **DATE OF NAME CHANGE:** 20010618
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** J.P. Morgan Acceptance Corp II
- **CENTRAL INDEX KEY:** 0001142786
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 364449120
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 1 BANK ONE PLAZA
- **CITY:** CHICAGO
- **STATE:** IL
- **ZIP:** 60670
- **BUSINESS PHONE:** 3127820600

**MAIL ADDRESS:**
- **STREET 1:** 1 BANK ONE PLAZA
- **CITY:** CHICAGO
- **STATE:** IL
- **ZIP:** 60670

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** BOND SECURITIZATION LLC
- **DATE OF NAME CHANGE:** 20010618

**UNITED STATES<br> SECURITIES AND EXCHANGE COMMISSION<br> Washington, D.C. 20549<br>FORM ABS-15G<br>ASSET-BACKED SECURITIZER<br> REPORT PURSUANT TO SECTION 15G OF<br> THE SECURITIES EXCHANGE ACT OF 1934**

**<u>j.p. morgan acceptance corporation ii</u>**

Check the appropriate box to indicate the filing obligation 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) __________________

Commission File Number of securitizer: __________________

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)(l) ☐

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: 0001142786

<u>J.P. Morgan Mortgage Trust 2025-NQM4</u><br> (Exact name of issuing entity as specified in its charter)

Central Index Key Number of issuing entity (if applicable): ________________

Central Index Key Number of underwriter (if applicable): ________________

Amie Davis, (212) 623-7441

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

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

Item 1.01 Initial Filing of Rule l5Ga-1 Representations and Warranties Disclosure

Not Applicable

Item 1.02 Periodic Filing of Rule l5Ga-1 Representations and Warranties Disclosure

Not Applicable

Item 1.03 Notice of Termination of Duty to File Reports under Rule l5Ga-1

Not Applicable

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

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

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.

**EXHIBIT INDEX**

---

| | |
|:---|:---|
| [99.1](ex99-1.htm) | AMC Diligence, LLC ("AMC") Form ABS Due Diligence-15E |
| [99.2](ex99-2.htm) | AMC Data Compare |
| [99.3](ex99-3.htm) | AMC Exception Report |
| [99.4](ex99-4.htm) | AMC Rating Agency Grades |
| [99.5](ex99-5.htm) | AMC Valuation Summary |
| [99.6](ex99-6.htm) | Clarifii LLC ("Clarifii") Executive Summary |
| [99.7](ex99-7.htm) | Clarifii Data Compare Report |
| [99.8](ex99-8.htm) | Clarifii Rating Agency Grades Detail Report |
| [99.9](ex99-9.htm) | Clarifii Rating Agency Grades Summary Report |
| [99.10](ex99-10.htm) | Clarifii Valuation Report |
| [99.11](ex99-11.htm) | Clayton Services LLC ("Clayton") Due Diligence Narrative |
| [99.12](ex99-12.htm) | Clayton Data Compare |
| [99.13](ex99-13.htm) | Clayton Exception Report |
| [99.14](ex99-14.htm) | Clayton Rating Agency Grades |
| [99.15](ex99-15.htm) | Clayton Valuation Summary |
| [99.16](ex99-16.htm) | Consolidated Analytics, Inc. ("Consolidated Analytics") Due Diligence Narrative |
| [99.17](ex99-17.htm) | Consolidated Analytics Data Compare |
| [99.18](ex99-18.htm) | Consolidated Analytics Exception Report |
| [99.19](ex99-19.htm) | Consolidated Analytics Rating Agency Grades |
| [99.20](ex99-20.htm) | Consolidated Analytics Valuation Summary |
| [99.21](ex99-21.htm) | Inglet Blair, LLC ("Inglet Blair") Due Diligence Narrative |
| [99.22](ex99-22.htm) | Inglet Blair Data Compare |
| [99.23](ex99-23.htm) | Inglet Blair Exception Report |
| [99.24](ex99-24.htm) | Inglet Blair Rating Agency Grades |
| [99.25](ex99-25.htm) | Inglet Blair Valuation Summary |
| [99.26](ex99-26.htm) | Inglet Blair Loan Summary |
| [99.27](ex99-27.htm) | Maxwell Diligence Solutions, LLC ("Maxwell") Due Diligence Narrative |
| [99.28](ex99-28.htm) | Maxwell Exceptions Report |
| [99.29](ex99-29.htm) | Maxwell Grading Report |
| [99.30](ex99-30.htm) | Maxwell Valuation Report |
| [99.31](ex99-31.htm) | Maxwell Data Compare Report |
| [99.32](ex99-32.htm) | Selene Diligence LLC ("Selene") Due Diligence Narrative |
| [99.33](ex99-33.htm) | Selene Data Compare Report |
| [99.34](ex99-34.htm) | Selene Standard Findings Report |
| [99.35](ex99-35.htm) | Selene Rating Agency Grades Summary Report |
| [99.36](ex99-36.htm) | Selene Valuation Report |

---

**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.

---

| | | |
|:---|:---|:---|
|  | **J.P. MORGAN ACCEPTANCE CORPORATION II** | **J.P. MORGAN ACCEPTANCE CORPORATION II** |
|  | (Depositor) | (Depositor) |
| Date: October 16, 2025 |  | /s/ Michael Brown |
|  | Name: | Michael Brown |
|  | Title: | Chief Executive Officer (Senior Officer in charge of securitization) |

---

## Exhibit 99.1

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.1**

![](ex991001.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**<br> **FOR ASSET-BACKED SECURITIES**

**Item 1: Identity of the person providing third party due diligence services** 

Legal Name: <u>AMC Diligence, LLC</u>

Business Name (if Different):  

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

**Item 2: Identity of the person who paid the person to provide due diligence services** 

Legal Name<u>:</u> <u>JPMorgan Chase Bank, National Association</u>

Business Name (if Different):  

Principal Business Address: <u>383 Madison Avenue, 8<sup>th</sup>Floor New York, NY 10179</u>

**Item 3: Credit rating criteria** 

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp;Third-Party Due-Diligence and Representations & Warranties Criteria for U.S. RMBS Transactions dated September 30, 2024 |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, October 26, 2023 |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, December 7, 2023 |
| &nbsp;&nbsp;Moody's Investors Service, Inc. | &nbsp;&nbsp;Global Structured Finance Data Quality Evaluation Approach, February 9, 2022 |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp;Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, Feb 21, 2025 |

---

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

See attached.

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

See attached.

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**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>

---

| | |
|:---|:---|
| By: | Tim Van Houtte |
| Signature: | /s/ Tim Van Houtte |
| Date: | October 16, 2025 |

---

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**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 residential mortgages acquired from various parties. The review was conducted on behalf of JPMorgan Chase Bank, National Association ("**Client**") during multiple transactions from January 2024 to September 2025 via files imaged and provided by JPMorgan Chase Bank, National Association for review (the "**Review**").

The loans in the Review carried origination dates between February 2022 and August 2025.

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

The Review was conducted on one thousand one hundred eighty-two (1,182) loans selected by the Client. Subsequent to review, the Client reduced the population to one thousand seventy-one (1,071) mortgage loans with an aggregate original principal balance of approximately $400.157 million for unknown reasons. The Review did not cover 100% of the loans in the securitization population; however, the Review did cover the entire 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:

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Appraisal As-Is Value | &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;Original HLTV | &nbsp;&nbsp;Residual Income Amount |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;City | &nbsp;&nbsp;Investor: Qualifying Housing Ratio | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Blanket Mortgage? | &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Last Property Transfer Date | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Total Income |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Loan Property Count | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;Universal Loan Identifier (ULI) |
| &nbsp;&nbsp;Borrower EIN | &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Other Financing Junior Total Original Loan Amount | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Decision System | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;PITIA Reserves Months |  |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Neg Am | &nbsp;&nbsp;Product Description |  |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Property Type |  |

---

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

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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.

**<u>CREDIT REVIEW (453 Mortgage Loans)</u>**

**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 data required for the ASF tape submission including (a) the most recent FICO (scores from 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/Zippy Review** 

When a DU/LP/Zippy form is provided, AMC (i) confirmed and captured recommendations and (ii) verified that (a) red flags listed on the DU/LP/Zippy were addressed by the underwriter, (b) listed credit conditions were cleared by the underwriter, and (c) the final DU/LP/Zippy 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

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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 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.

**<u>LEASES REVIEW (618 Mortgage Loans)</u>**

**<u>DOCUMENT REVIEW</u>**

For each Loan, AMC reviewed the corresponding Loan File and verified whether the following documents, if applicable, are included in the file and if the data on these documents is consistent and logical: (a) initial loan application (1003), (b) credit report, (c) employment documentation, (d) asset documentation, (e) sales contract, (f) hazard and/or flood insurance policies, (g) appraisal, (h) title/preliminary title, (i) mortgage/deed of trust, (j) note, (k) certificate of business purpose/nonowner occupancy, (l) articles of incorporation (m) operating agreement, (n) background check, (o) leases, (p) assignment of leases and rents, (q) closing protection letter, (r) lease agreement(s), and(s) track record report.

**<u>CREDIT REVIEW</u>**

The credit review focuses on the borrower's experience in property management, credit profile and adherence to guidelines. The borrower's assets are analyzed to determine there are sufficient funds for the required equity in the project. Conformity to applicable guidelines were assessed during the review. An income calculation was not performed though the presence of income documentation if required by the guidelines was noted.

**Credit Application:** For the Credit Application, AMC verified whether (a) the application is signed by all listed borrowers, (b) the application is substantially filled out, (c) all known borrower-owned properties are disclosed on the Real Estate Owned section or attachments, and (d) borrower's property management/landlord experience.

**Credit Report:** AMC verified (a) a credit report is present for each borrower, (b) note and research the Real Estate Owned and fraud alerts, (c) and gather data including (i) representative FICO, (ii) scores from Equifax, Experian, and Transunion (if available), (iii) verify that the public records listed are disclosed on the application and adequately explained and in compliance with guidelines, and (iv) the number and length of trade lines.

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**Employment and Income:** AMC determined whether applicable supporting employment and income documentation required by the guidelines, was present in the mortgage loan file and where possible, wasn't fraudulent.

**Borrowing Entity:** AMC verified the borrowing entity, if not an individual, is properly documented. In addition, AMC verified if the business entity is a US or foreign entity and if the individual signing the loan documentation has the appropriate authority. Distinction was made between guarantors and principals, individuals, and business entities.

**Property income:** AMC determined whether all applicable supporting documentation as required by the guidelines is present in the file. No traditional borrower DTI ratios were calculated but instead a "Property DTI/DSCR" was calculated per guidelines using the lease or expected lease amount and the property expenses. Documentation verifying property income may include: (a) leases and monthly rental income, (b) property vacancy, (c) balance sheets / financial statements, and (d) an appraisal analysis of market rents.

**Valuation Review:** 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) materially complete, (ii) in conformity with the guideline requirements for the property type in question, (iii) completed by an appraiser that was actively licensed to perform the valuation, (iv) 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, (iv) 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) reviewed 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) 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 (iii) confirming the appraiser noted an estimated lease amount to be used in instances where there is no lease in place.

**Asset Review:** AMC assessed whether the asset documentation required by the guidelines is present in the file. AMC verified that assets presented support the required reserves. Documentation reviewed may include: (a) depository account statements, (b) stock or security account statements, (c) settlement statements or other evidence of conveyance and transfer of funds if a sale of assets was involved, and (d) operating accounts from other properties.

**Insurance:** AMC (a) looked for the presence of rent loss insurance as required by the guidelines, (b) verified that hazard insurance meets the minimum required amount of coverage in the guidelines, (c) confirmed that the flood certification is for the correct borrower, property, lender and loan number, and (d) for properties in a flood zone per the flood certification, confirmed that flood insurance meets guideline requirements in the file and meets the minimum required amount of coverage.

**Title:** AMC verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower. AMC also reviewed the Title Commitment for the disclosure issues such as assessments; covenants, conditions and restrictions); access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; and environmental liens. Review for instances of delinquent taxes (non-liens). In addition, AMC reviewed for Oil, Gas, Water or Mineral rights.

**Fraud / Criminal Background:** To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, AMC looked for an independent, third party fraud report and background check in each file and reviewed the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan.

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

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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.

**(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

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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.

**<u>COMPLIANCE REVIEW (453 Mortgage Loans)</u>**

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.

&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

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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;

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

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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

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;

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&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 mortgage loans determined to be Safe Harbor QM (APOR), the AMC report will indicate (i) "Yes" with respect to any mortgage loan for which the lender provided a Verification Safe Harbor, ("VSH") indicator of "Yes" on such mortgage loans, (ii) "No" with respect to any mortgage loan for which the lender provided a VSH indicator of "No" and (iii) "Not Stated" with respect to any mortgage loan for which the lender did not provide a VSH indicator.

\* Note, for mortgage loans in which the lender provided the VSH indicator, AMC captured the VSH indicator in the AMC report but did not verify the VSH indicator as provided by the related lender.

In addition to the above, for loans (i) that are designated as "Yes" with respect to a VSH indicator, (ii) for which such "Yes" VSH indicator was provided within the loan images, on the data tape or in the deal notes, and (iii) for which the related mortgage loan guidelines utilized one of the specified GSE June 2020 guidelines to meet VSH, AMC performed an additional variance evaluation on such QM (APOR) mortgage loans. AMC's variance evaluation consists of a review of such mortgage loan to identify documentation variances that would cause one to question the VSH attestation provided by the lender. If variances were identified, the mortgage 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, and the AMC report will indicate "No" with respect to such mortgage loans. The results of the variance evaluation are 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.

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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 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;

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&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;

&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.

**<u>LEASES LIMITED COMPLIANCE REVIEW (46 Mortgage Loans)</u>**

Includes Leases Review Scope with additional limited compliance review below.

**State Compliance Review applicable to non-owner occupied loans:** 

SitusAMC will review each mortgage loan file to determine coverage, and if covered, verify compliance

with the following:

&nbsp;&nbsp;&nbsp;&nbsp;a) High
 Cost testing in Chicago Illinois and Cook County Illinois;

&nbsp;&nbsp;&nbsp;&nbsp;b) Higher
 Priced testing in Minnesota;

&nbsp;&nbsp;&nbsp;&nbsp;c) Other
 applicable state testing in Maryland, Minnesota, New Jersey, West Virginia, Wyoming,
 and Vermont, Virginia and

&nbsp;&nbsp;&nbsp;&nbsp;d) State
 specific prepayment penalty and late charge testing applicable to non-owner occupied
 loans.

**(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

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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.

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 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 DBRS, Inc. ("DBRS"), Fitch Ratings, Inc. ("Fitch"), Kroll Bond Rating Agency, Inc. ("Kroll"), and Moody's Investors Service, Inc. ("Moody's") and S&P Global Ratings ("S&P").

**OVERALL REVIEW RESULTS SUMMARY**

There were one thousand seventy-one (1,071) mortgage loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable Fitch, Kroll, and Moody's NRSRO grading criteria, three hundred twenty-two (322) (30.07%) loans had an overall loan grade of "B". Twenty (20) of the loans with an overall grade of "B" had exceptions across multiple exception types. After all documents were presented, under the applicable S&P NRSRO grading criteria, three hundred sixteen (316) (29.51%) loans had an overall loan grade of "B". Twenty-one (21) of the loans with an overall grade of "B" had exceptions across multiple exception types. After all documents were presented, under the applicable DBRS NRSRO grading criteria, three hundred sixteen (316) (29.51%) loans had an overall loan grade of "B". Twenty (20) of the loans with an overall grade of "B" had exceptions across multiple exception types.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Fitch, Kroll, and Moody's Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;GSE | &nbsp;&nbsp;137 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;36 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;5 |

---

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---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;3 |
|  |  | &nbsp;&nbsp;TRID | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;State Late Charge | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;ATR/QM | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Final or Initial 1003 | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***220*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**220** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;105 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Eligibility | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Document Inventory | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Business Purpose | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***213*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**213** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**433** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**S&P Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;GSE | &nbsp;&nbsp;137 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;36 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Late Charge | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;1 |

---

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---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Final or Initial 1003 | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***212*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**212** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;105 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Eligibility | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Document Inventory | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Business Purpose | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***213*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**213** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal Reconciliation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**426** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**DBRS Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;GSE | &nbsp;&nbsp;137 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;36 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Late Charge | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Final or Initial 1003 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***212*** |

---

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---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**212** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;105 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Eligibility | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Document Inventory | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Business Purpose | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***213*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**213** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**425** |

---

**COMPLIANCE RESULTS SUMMARY**

Of the four hundred ninety-nine (499) loans that had a compliance review performed, under the applicable Fitch, Kroll, and Moody's NRSRO grading criteria, one hundred seventy-nine (179) had a Compliance Review "B" grade. Sixty-four (64) of the loans with an overall grade of "B" had multiple compliance exceptions. Of the four hundred ninety-nine (499) loans reviewed, under the applicable DBRS and S&P NRSRO grading criteria, one hundred seventy-two (172) had a Compliance Review "B" grade. Fifty-three (53) of the loans with an overall grade of "B" had multiple compliance exceptions.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch, Kroll, and Moody's NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;321 | &nbsp;&nbsp;64.33% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;179 | &nbsp;&nbsp;35.87% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS and S&P NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;327 | &nbsp;&nbsp;65.53% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;172 | &nbsp;&nbsp;34.47% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**PROPERTY/VALUATION REVIEW RESULTS SUMMARY**

Of the one thousand seventy-one (1,071) loans reviewed, under the applicable S&P NRSRO grading criteria, one (1) loan had a Property Review "B" grade for property/appraisal related issues (see exception detail below). Of the one thousand seventy-one (1,071) loans reviewed, under the applicable DBRS, Fitch, Kroll, and Moody's NRSRO grading criteria, all loans carried a Property Review grade of "A."

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**S&P NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1070 | &nbsp;&nbsp;99.91% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.09% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

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---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1071 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**CREDIT REVIEW RESULTS SUMMARY**

Nine hundred seven (907) mortgage loans (84.69%) of the total received an "A" Credit Review grade. The one hundred sixty-four (164) "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.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;907 | &nbsp;&nbsp;84.69% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;164 | &nbsp;&nbsp;15.31% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the one thousand seventy-one (1,071) mortgage loans reviewed, three hundred ninety-nine (399) (37.25%) mortgage loans had tape discrepancies across thirty-two (32) unique data fields. The most common tape discrepancies were Note Date (9.52%), Subject Debt Service Coverage Ratio (8.40%), and Borrower Last Name (5.98%). AMC found generally that the DTI discrepancies were due to differences in calculating complex incomes; while the data differed, the resulting ratios generally remained within guidelines.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;102 | &nbsp;&nbsp;9.52% |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;90 | &nbsp;&nbsp;8.40% |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;64 | &nbsp;&nbsp;5.98% |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;60 | &nbsp;&nbsp;5.60% |
| &nbsp;&nbsp;Decision System | &nbsp;&nbsp;60 | &nbsp;&nbsp;5.60% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;51 | &nbsp;&nbsp;4.76% |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;47 | &nbsp;&nbsp;4.39% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;40 | &nbsp;&nbsp;3.73% |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;37 | &nbsp;&nbsp;3.45% |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;35 | &nbsp;&nbsp;3.27% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;31 | &nbsp;&nbsp;2.89% |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;30 | &nbsp;&nbsp;2.80% |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;29 | &nbsp;&nbsp;2.71% |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;20 | &nbsp;&nbsp;1.87% |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;19 | &nbsp;&nbsp;1.77% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;18 | &nbsp;&nbsp;1.68% |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;18 | &nbsp;&nbsp;1.68% |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;15 | &nbsp;&nbsp;1.40% |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;15 | &nbsp;&nbsp;1.40% |

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---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;14 | &nbsp;&nbsp;1.31% |
| &nbsp;&nbsp;City | &nbsp;&nbsp;12 | &nbsp;&nbsp;1.12% |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;12 | &nbsp;&nbsp;1.12% |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.93% |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.56% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.28% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.19% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.19% |
| &nbsp;&nbsp;State | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.09% |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.09% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.09% |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.09% |
| &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.09% |

---

**ADDITIONAL LOAN POPULATION SUMMARY\***

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Originator Loan Designation** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;N/A (investment property consumer mortgage) | &nbsp;&nbsp;618 | &nbsp;&nbsp;57.70% | &nbsp;&nbsp;$138936234.00 | &nbsp;&nbsp;34.72% |
| &nbsp;&nbsp;Non QM | &nbsp;&nbsp;424 | &nbsp;&nbsp;39.59% | &nbsp;&nbsp;$242817055.00 | &nbsp;&nbsp;60.68% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;24 | &nbsp;&nbsp;2.24% | &nbsp;&nbsp;$11048209.00 | &nbsp;&nbsp;2.76% |
| &nbsp;&nbsp;Safe Harbor QM (APOR) | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.47% | &nbsp;&nbsp;$7355880.00 | &nbsp;&nbsp;1.84% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1071** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$400157378.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;1055 | &nbsp;&nbsp;98.51% | &nbsp;&nbsp;$390556968.00 | &nbsp;&nbsp;97.60% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;16 | &nbsp;&nbsp;1.49% | &nbsp;&nbsp;$9600410.00 | &nbsp;&nbsp;2.40% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1071** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$400157378.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;1071 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$400157378.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1071** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$400157378.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;412 | &nbsp;&nbsp;38.47% | &nbsp;&nbsp;$166452503.00 | &nbsp;&nbsp;41.60% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;403 | &nbsp;&nbsp;37.63% | &nbsp;&nbsp;$118305456.00 | &nbsp;&nbsp;29.56% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;147 | &nbsp;&nbsp;13.73% | &nbsp;&nbsp;$55370210.00 | &nbsp;&nbsp;13.84% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;109 | &nbsp;&nbsp;10.18% | &nbsp;&nbsp;$60029209.00 | &nbsp;&nbsp;15.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1071** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$400157378.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;1068 | &nbsp;&nbsp;99.72% | &nbsp;&nbsp;$397827568.00 | &nbsp;&nbsp;99.42% |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.28% | &nbsp;&nbsp;$2329810.00 | &nbsp;&nbsp;0.58% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1071** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$400157378.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;591 | &nbsp;&nbsp;55.18% | &nbsp;&nbsp;$188604140.00 | &nbsp;&nbsp;47.13% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;175 | &nbsp;&nbsp;16.34% | &nbsp;&nbsp;$106884238.00 | &nbsp;&nbsp;26.71% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;72 | &nbsp;&nbsp;6.72% | &nbsp;&nbsp;$12428587.00 | &nbsp;&nbsp;3.11% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;71 | &nbsp;&nbsp;6.63% | &nbsp;&nbsp;$19669385.00 | &nbsp;&nbsp;4.92% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;65 | &nbsp;&nbsp;6.07% | &nbsp;&nbsp;$21045132.00 | &nbsp;&nbsp;5.26% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;35 | &nbsp;&nbsp;3.27% | &nbsp;&nbsp;$16701500.00 | &nbsp;&nbsp;4.17% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;20 | &nbsp;&nbsp;1.87% | &nbsp;&nbsp;$9102700.00 | &nbsp;&nbsp;2.27% |
| &nbsp;&nbsp;5-10 Unit Multi-Family | &nbsp;&nbsp;17 | &nbsp;&nbsp;1.59% | &nbsp;&nbsp;$10982250.00 | &nbsp;&nbsp;2.74% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;14 | &nbsp;&nbsp;1.31% | &nbsp;&nbsp;$10195949.00 | &nbsp;&nbsp;2.55% |
| &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;11 | &nbsp;&nbsp;1.03% | &nbsp;&nbsp;$4543497.00 | &nbsp;&nbsp;1.14% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1071** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$400157378.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;397 | &nbsp;&nbsp;37.07% | &nbsp;&nbsp;$237151453.00 | &nbsp;&nbsp;59.26% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;652 | &nbsp;&nbsp;60.88% | &nbsp;&nbsp;$153113536.00 | &nbsp;&nbsp;38.26% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;22 | &nbsp;&nbsp;2.05% | &nbsp;&nbsp;$9892389.00 | &nbsp;&nbsp;2.47% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1071** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$400157378.00** | &nbsp;&nbsp;**100.00%** |

---

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

**EXCEPTION DETAIL**

The exception summary below ties to the total number of B exceptions for the population included in the Review. Some mortgage loans may be listed multiple times if they carried multiple exception categories even if those categories were within the same general exception category (ex. Disclosures and RESPA Tolerance within Compliance).

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch, Kroll, and Moody's Exceptions** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**Exception Type** |
| &nbsp;&nbsp;Fannie Mae 2014 - 3% Points and Fees | &nbsp;&nbsp;123 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;14 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;FNMA Points and Fees | &nbsp;&nbsp;14 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Amount Financed Test | &nbsp;&nbsp;8 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Finance Charge | &nbsp;&nbsp;8 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Check Restated Loan Designation Match - QM / ATR | &nbsp;&nbsp;7 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | &nbsp;&nbsp;5 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TIL Higher Priced Mortgage Loan Safe Harbor Test | &nbsp;&nbsp;4 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | &nbsp;&nbsp;2&nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Note Error: Note late charge percentage exceeds maximum per state | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;New York Subprime Home Loan Threshold Fixed Non-Compliant | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(State High Cost) Georgia High-Cost Loan (Points and Fees) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Total Of Payments | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Notice of Special Flood Hazard Disclosure Not Provided Timely | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Michigan CMPA Home Loan Toolkit Status | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Missing Document: Missing Lender's Initial 1003 | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Self-Employed Tax Return Recency - ATR | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;General Ability To Repay Provision Investor Qualification Method not Matching ATR | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Check Restated Loan Designation Match - General Ability to Repay | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Closing Disclosure: Dates are not in chronological order. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Loan Estimate: Dates are not in chronological order. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided Timely) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Note Error: Note grace period days less than minimum per state | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Contact Information - Broker | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Will Not Have Escrow - Reason | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Credit Exception: | &nbsp;&nbsp;56 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Title Policy Coverage is less than Original Loan Amount. | &nbsp;&nbsp;37 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Aged document: Credit Report is more than 90 days prior to the note date. | &nbsp;&nbsp;14 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Ineligible property type. | &nbsp;&nbsp;9 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Missing Document: Source of Funds/Deposit not provided | &nbsp;&nbsp;8&nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Credit Letter of Explanation (LOE) not provided | &nbsp;&nbsp;7 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. | &nbsp;&nbsp;6 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Loan to value discrepancy. | &nbsp;&nbsp;5 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Aged document: Primary Valuation is older than guidelines permit | &nbsp;&nbsp;4 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Representative FICO score discrepancy. | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;HOA project is involved in litigation. | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: PITIA reserves months discrepancy. | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Lease Agreement not provided | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Insufficient funds for Reserves. Guidelines require | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Active Tradeline requirement not met. | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Operating Agreement not provided | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;The property site acres is greater than 10 acres which does not meet guidelines. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Asset not provided | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;There are red flags on the fraud report that have not been addressed | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Hazard Insurance Policy expires within 90 days of the Note Date. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;The Guarantor's Percent of Business Ownership does not meet guideline requirements. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Verification of housing pay history is required. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;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. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;More than 3 NSFs/Overdraft Transfers occurred in the most recent 12-month period. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Minimum of 600 square feet of gross living area required per company guidelines. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Issue: Insufficient tradelines per credit guidelines | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Credit history reflects lates that do not meet guidelines. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Investor qualifying total debt ratio discrepancy. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Public Records/Collections/Charge Off does not meet guidelines. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Funds From Business Account used, and borrower owns less than 100% of business. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Missing Document: Corporate Resolution not provided | &nbsp;&nbsp;1&nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Trust Agreement not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;No evidence of fraud report in file | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Insurance Policy Expiration Date is less than 30 days of the Note Date and does not have automatic renewal. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Issue: Refinance seasoning requirements not met | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Borrower is a first time home buyer and ineligible per guidelines. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Flood Insurance Error: Insurance premium was not provided. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Flood Insurance Policy not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Final Inspection / 442 does not reflect all required repairs or property completion requirements. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Issue: Derogatory mortgage payments outside of credit guidelines | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Evidence of Access to Funds not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Non-permanent Resident Aliens or Foreign Nationals are considered on a case by case basis. Confirm residency requirements with Investor Guidelines. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Minimum Loan Amount discrepancy. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Rural property type is not permitted per Guidelines. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Loan has a Prepayment Penalty and the Prepayment Penalty Rider is missing | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**S&P Exceptions** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**Exception Type** |
| &nbsp;&nbsp;Fannie Mae 2014 - 3% Points and Fees | &nbsp;&nbsp;123 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;14 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;FNMA Points and Fees | &nbsp;&nbsp;14 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Amount Financed Test | &nbsp;&nbsp;8 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Finance Charge | &nbsp;&nbsp;8 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | &nbsp;&nbsp;5 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TIL Higher Priced Mortgage Loan Safe Harbor Test | &nbsp;&nbsp;4 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Note Error: Note late charge percentage exceeds maximum per state | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;New York Subprime Home Loan Threshold Fixed Non-Compliant | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;(State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | &nbsp;&nbsp;1&nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(State High Cost) Georgia High-Cost Loan (Points and Fees) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Total Of Payments | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Notice of Special Flood Hazard Disclosure Not Provided Timely | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Michigan CMPA Home Loan Toolkit Status | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Missing Document: Missing Lender's Initial 1003 | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Self-Employed Tax Return Recency - ATR | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;General Ability To Repay Provision Investor Qualification Method not Matching ATR | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Check Restated Loan Designation Match - General Ability to Repay | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Closing Disclosure: Dates are not in chronological order. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Loan Estimate: Dates are not in chronological order. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided Timely) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Note Error: Note grace period days less than minimum per state | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Contact Information - Broker | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Will Not Have Escrow - Reason | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Credit Exception: | &nbsp;&nbsp;56 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Title Policy Coverage is less than Original Loan Amount. | &nbsp;&nbsp;37 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Aged document: Credit Report is more than 90 days prior to the note date. | &nbsp;&nbsp;14 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Ineligible property type. | &nbsp;&nbsp;9 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Source of Funds/Deposit not provided | &nbsp;&nbsp;8 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Credit Letter of Explanation (LOE) not provided | &nbsp;&nbsp;7 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. | &nbsp;&nbsp;6 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Loan to value discrepancy. | &nbsp;&nbsp;5 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Aged document: Primary Valuation is older than guidelines permit | &nbsp;&nbsp;4 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Representative FICO score discrepancy. | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |

---

25 \| P a g e

![](ex991001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;HOA project is involved in litigation. | &nbsp;&nbsp;3&nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: PITIA reserves months discrepancy. | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Lease Agreement not provided | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Insufficient funds for Reserves. Guidelines require | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Active Tradeline requirement not met. | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Operating Agreement not provided | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;The property site acres is greater than 10 acres which does not meet guidelines. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Asset not provided | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;There are red flags on the fraud report that have not been addressed | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Hazard Insurance Policy expires within 90 days of the Note Date. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;The Guarantor's Percent of Business Ownership does not meet guideline requirements. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Verification of housing pay history is required. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;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. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;More than 3 NSFs/Overdraft Transfers occurred in the most recent 12-month period. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Minimum of 600 square feet of gross living area required per company guidelines. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Issue: Insufficient tradelines per credit guidelines | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Credit history reflects lates that do not meet guidelines. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Investor qualifying total debt ratio discrepancy. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Public Records/Collections/Charge Off does not meet guidelines. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Funds From Business Account used, and borrower owns less than 100% of business. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Corporate Resolution not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Trust Agreement not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;No evidence of fraud report in file | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Insurance Policy Expiration Date is less than 30 days of the Note Date and does not have automatic renewal. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Issue: Refinance seasoning requirements not met | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Borrower is a first time home buyer and ineligible per guidelines. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Flood Insurance Error: Insurance premium was not provided. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Flood Insurance Policy not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Final Inspection / 442 does not reflect all required repairs or property completion requirements. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |

---

26 \| P a g e

![](ex991001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Guideline Issue: Derogatory mortgage payments outside of credit guidelines | &nbsp;&nbsp;1&nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Evidence of Access to Funds not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Non-permanent Resident Aliens or Foreign Nationals are considered on a case by case basis. Confirm residency requirements with Investor Guidelines. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Minimum Loan Amount discrepancy. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Rural property type is not permitted per Guidelines. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Loan has a Prepayment Penalty and the Prepayment Penalty Rider is missing | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;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 | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Property |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS Exceptions** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**Exception Type** |
| &nbsp;&nbsp;Fannie Mae 2014 - 3% Points and Fees | &nbsp;&nbsp;123 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;14 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;FNMA Points and Fees | &nbsp;&nbsp;14 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Amount Financed Test | &nbsp;&nbsp;8 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Finance Charge | &nbsp;&nbsp;8 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | &nbsp;&nbsp;5 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TIL Higher Priced Mortgage Loan Safe Harbor Test | &nbsp;&nbsp;4 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Note Error: Note late charge percentage exceeds maximum per state | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;New York Subprime Home Loan Threshold Fixed Non-Compliant | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(State High Cost) Georgia High-Cost Loan (Points and Fees) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Total Of Payments | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |

---

27 \| P a g e

![](ex991001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Notice of Special Flood Hazard Disclosure Not Provided Timely | &nbsp;&nbsp;1&nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Michigan CMPA Home Loan Toolkit Status | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Missing Document: Missing Lender's Initial 1003 | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Self-Employed Tax Return Recency - ATR | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;General Ability To Repay Provision Investor Qualification Method not Matching ATR | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Check Restated Loan Designation Match - General Ability to Repay | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Closing Disclosure: Dates are not in chronological order. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Loan Estimate: Dates are not in chronological order. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided Timely) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Note Error: Note grace period days less than minimum per state | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Contact Information - Broker | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Will Not Have Escrow - Reason | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Credit Exception: | &nbsp;&nbsp;56 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Title Policy Coverage is less than Original Loan Amount. | &nbsp;&nbsp;37 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Aged document: Credit Report is more than 90 days prior to the note date. | &nbsp;&nbsp;14 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Ineligible property type. | &nbsp;&nbsp;9 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Source of Funds/Deposit not provided | &nbsp;&nbsp;8 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Credit Letter of Explanation (LOE) not provided | &nbsp;&nbsp;7 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. | &nbsp;&nbsp;6 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Loan to value discrepancy. | &nbsp;&nbsp;5 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Aged document: Primary Valuation is older than guidelines permit | &nbsp;&nbsp;4 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Representative FICO score discrepancy. | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;HOA project is involved in litigation. | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: PITIA reserves months discrepancy. | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Lease Agreement not provided | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Insufficient funds for Reserves. Guidelines require | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Active Tradeline requirement not met. | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Operating Agreement not provided | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;The property site acres is greater than 10 acres which does not meet guidelines. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |

---

28 \| P a g e

![](ex991001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Missing Document: Asset not provided | &nbsp;&nbsp;2&nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;There are red flags on the fraud report that have not been addressed | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Hazard Insurance Policy expires within 90 days of the Note Date. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;The Guarantor's Percent of Business Ownership does not meet guideline requirements. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Verification of housing pay history is required. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;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. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;More than 3 NSFs/Overdraft Transfers occurred in the most recent 12-month period. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Minimum of 600 square feet of gross living area required per company guidelines. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Issue: Insufficient tradelines per credit guidelines | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Credit history reflects lates that do not meet guidelines. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Investor qualifying total debt ratio discrepancy. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Public Records/Collections/Charge Off does not meet guidelines. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Funds From Business Account used, and borrower owns less than 100% of business. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Corporate Resolution not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Trust Agreement not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;No evidence of fraud report in file | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Insurance Policy Expiration Date is less than 30 days of the Note Date and does not have automatic renewal. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Issue: Refinance seasoning requirements not met | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Borrower is a first time home buyer and ineligible per guidelines. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Flood Insurance Error: Insurance premium was not provided. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Flood Insurance Policy not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Final Inspection / 442 does not reflect all required repairs or property completion requirements. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Issue: Derogatory mortgage payments outside of credit guidelines | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Evidence of Access to Funds not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Non-permanent Resident Aliens or Foreign Nationals are considered on a case by case basis. Confirm residency requirements with Investor Guidelines. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Minimum Loan Amount discrepancy. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Rural property type is not permitted per Guidelines. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |

---

29 \| P a g e

![](ex991001.jpg)

<u>Loan has a Prepayment Penalty and the Prepayment Penalty Rider is missing</u> <u>1</u> <u>B</u> <u>Credit</u>

30 \| P a g e

## Exhibit 99.2

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.2**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| 304052332 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304052332 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304052332 | Property Type | 4 Family | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304052332 | # of Units | xxxx | xxxx | Verified | Field value reflects source document |
| 304052332 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304254580 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304254580 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304254580 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304254580 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304254580 | Investor: Qualifying Total Debt Ratio | 16.588 | 32.6772 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304327719 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304327719 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304327719 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304327719 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304327719 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304327719 | Investor: Qualifying Total Debt Ratio | 37.8 | 42.37667 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304333667 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304333667 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304333667 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304333667 | Representative FICO | 805 | 789 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304333667 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304371735 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304371735 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304405110 | Original CLTV | 76.47 | 75 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304405110 | Original LTV | 76.47 | 75 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304405110 | Investor: Qualifying Total Debt Ratio | 10 | 5.79662 | Verified | 1008/Approval reflect Total DTI of 5.797% |
| 304422681 | Investor: Qualifying Total Debt Ratio | 35.77 | 42.73909 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304398759 | Subject Debt Service Coverage Ratio | 1.04 | 0.93 | Verified | Lender used 100% of market rent instead of 90% market rent for DSCR calculation for the refinance of a vacant property. |
| 304425606 | Investor: Qualifying Total Debt Ratio | 43.12 | 32.6779 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304428309 | Refi Purpose | Cash-out | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304428309 | Subject Debt Service Coverage Ratio | 1.05 | 1.04 | Verified | Lender used lower property tax. |
| 304438710 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304438710 | Investor: Qualifying Total Debt Ratio | 35.37 | 41.32988 | Verified | Field Value DTI matches 1008 DTI. |
| 304438710 | Decision System |  |  | Verified | The Bid Tape Field Value was not provided. |
| 304438702 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304438702 | Decision System |  | DU | Verified | The Bid Tape Field Value was not provided. |
| 304441859 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304441859 | Investor: Qualifying Total Debt Ratio | 38.64 | 47.30335 | Verified | DTI in line with 1008/Approval at 48.53% |
| 304427413 | Original Interest Rate | 7.88 | 7.875 | Verified | Field Value reflects the Note value |
| 304462231 | Subject Debt Service Coverage Ratio | 1.70 | 1.66 | Verified | Lender used 100% market rent for 2 leased units $xxxx instead of qualifying rent $xxxx which is total of lower of the lease rent and market rent of the 2 unit. $xxxx qualifying rent is used for the vacant unit per exception approval. |
| 304476698 | Subject Debt Service Coverage Ratio | 1.58 | 1.47 | Verified | Lender used lease rent $xxxx instead of market rent $xxxx. Lender also used lower tax. |
| 304405499 | # of Units | xxxx | xxxx | Verified | Field value reflects source document |
| 304421506 | Representative FICO | 660 | 653 | Verified | Lowest mid FICO of equal owners. |
| 304633029 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304633029 | Original Interest Rate | 6.88 | 6.875 | Verified | Field Value reflects the Note value |
| 304633029 | Investor: Qualifying Total Debt Ratio | 34.82 | 31.01197 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304486456 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304486456 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304486456 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304486456 | Representative FICO | 740 | 752 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304486456 | Property Type | 4 Family | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304486456 | # of Units | xxxx | xxxx | Verified | Field value reflects source document |
| 304486456 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304492387 | Investor: Qualifying Total Debt Ratio | 47.38 | 36.78217 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304666619 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304666619 | Investor: Qualifying Total Debt Ratio | 50 | 38.70591 | Verified | Income and liabilities updated as per document and DTI matches with 1008 |
| 304666654 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304666654 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304666654 | Original CLTV | 64 | 59.25926 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304666654 | Original LTV | 64 | 59.25926 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304666654 | Investor: Qualifying Total Debt Ratio | 33.985 | 38.23246 | Verified | 1008 reflect total DTI of 38.23% |
| 304666655 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304666655 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304666655 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304666655 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304643474 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304643474 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304643474 | Investor: Qualifying Total Debt Ratio | 49 | 36.78616 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304641635 | Original Interest Rate | 7.63 | 7.625 | Verified | Field Value reflects the Note value |
| 304641635 | Appraised Value | xxxx | xxxx | Verified | Field Value reflects Approval/AUS value |
| 304641635 | Original CLTV | 50 | 64 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304641635 | Original LTV | 50 | 64 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304641635 | Investor: Qualifying Total Debt Ratio | 4.67 | 36.42946 | Verified | 1008 reflect total DTI of 36.43% |
| 304654874 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304654874 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304654874 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304665303 | Representative FICO | 763 | 652 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304680564 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304680564 | Investor: Qualifying Total Debt Ratio | 20.36 | 25.06147 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304665301 | Original Interest Rate | 7.99 | 8.5 | Verified | Field Value reflects the Note value |
| 304665301 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304665301 | Investor: Qualifying Total Debt Ratio | 39 | 48.83058 | Verified | 1008/Approval at 49.348% |
| 304632450 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304654916 | Investor: Qualifying Total Debt Ratio | 18 | 5.73004 | Verified | AUS approval reflects 5.74% DTI |
| 304643473 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304643473 | Investor: Qualifying Total Debt Ratio | 5.26 | 23.69297 | Verified | Matches approval. |
| 304685766 | Property Type | Single Family Attached | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304685766 | Occupancy | Second Home | Investment | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 304684616 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304684616 | Property Type | Single Family Attached | Condo (Low Rise) | Verified | Field Value reflects the Approval/AUS in file. |
| 304679240 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304510480 | Subject Debt Service Coverage Ratio | 1.32 | 1.47 | Verified | DSCR worksheet using $xxxx rent. |
| 304685308 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304685308 | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304687287 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304687287 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304687287 | Representative FICO | 697 | 687 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304680597 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304680597 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304680597 | Original Interest Rate | 7.13 | 7.125 | Verified | Field Value reflects the Note value |
| 304680597 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304682497 | Maturity Date | xxxx | xxxx | Verified | Field Value reflects Maturity Date per the Note |
| 304681443 | Subject Debt Service Coverage Ratio | 1.26 | 1.40 | Verified | Lender used 90% of market rent instead of 100% of market rent for the vacant property with seasoning less than 6 months. |
| 304688549 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304688549 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304643520 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304643520 | Property Type | Single Family Detached | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304643520 | Decision System |  |  | Verified | The Bid Tape Field Value was not provided. |
| 304666687 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304666687 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 304666687 | Decision System |  |  | Verified | Field value reflects source document |
| 304674475 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304674475 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 304674475 | Property Type | PUD | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304674475 | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304674475 | Decision System |  |  | Verified | Field value reflects source document |
| 304393227 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304393227 | Prepayment Penalty | 1 | 0 | Verified | Field Value reflects 'PrePayment Penalty' per the Note |
| 304685226 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304685226 | Original Interest Rate | 9.13 | 9.125 | Verified | Field Value reflects the Note value |
| 304694161 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304700223 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304705476 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304705476 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304705476 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304694075 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304700941 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304700939 | Investor: Qualifying Total Debt Ratio | 35.03 | 39.25799 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304694178 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304699171 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304699171 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304699133 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304699133 | Original Interest Rate | 7.38 | 7.375 | Verified | Field Value reflects the Note value |
| 304695750 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304695750 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304704515 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304700640 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304688310 | Investor: Qualifying Total Debt Ratio | 15.26 | 28.4363 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304700222 | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Borrower received >$2,000 |
| 304699531 | Investor: Qualifying Total Debt Ratio | 27.18 | 31.68517 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304701057 | Appraised Value | xxxx | xxxx | Verified | Field Value reflects Approval/AUS value |
| 304701057 | Original CLTV | 56.38 | 47.95402 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304701057 | Original LTV | 56.38 | 47.95402 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304693576 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304693576 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304693873 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304693873 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304695745 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304710913 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304699612 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304699612 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304699612 | Investor: Qualifying Total Debt Ratio | 22.45 | 31.01369 | Verified | Matches AUS. |
| 304705703 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304682492 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304707261 | Subject Debt Service Coverage Ratio | 1.82 | 1.48 | Verified | Lender used a lower tax amount of $xxxx. Actual monthly tax is xxxx |
| 304695635 | Subject Debt Service Coverage Ratio | 1.10 | 1.08 | Verified | Lender DSCR worksheet reflects monthly tax $xxxx. Documented monthly tax $xxxx used to calculate DSCR |
| 304711571 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304702319 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304720402 | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Paying off a non-purchase 2nd lien |
| 304720451 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304720451 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304720451 | Property Type | PUD | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304720451 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304720401 | Investor: Qualifying Total Debt Ratio | 33.23 | 42.21162 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304720410 | Original Interest Rate | 7.63 | 7.625 | Verified | Field Value reflects the Note value |
| 304720487 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304720487 | Investor: Qualifying Total Debt Ratio | 28.918 | 37.44063 | Verified | 1008 approval reflects 37.55% DTI |
| 304720485 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304720420 | Investor: Qualifying Total Debt Ratio | 8.97 | 15.71357 | Verified | 1008 reflect total DTI of 15.71% |
| 304720449 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304720407 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304720407 | Investor: Qualifying Total Debt Ratio | 27.893 | 32.9194 | Verified | 1008 approval reflects 33.08% DTI |
| 304720405 | Original Interest Rate | 8.38 | 8.375 | Verified | Field Value reflects the Note value |
| 304720474 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304720400 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304720400 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304720400 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304720400 | Original CLTV | 68 | 69.13495 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304720400 | Original LTV | 68 | 69.13495 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304720482 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304720458 | Original Interest Rate | 7.38 | 7.375 | Verified | Field Value reflects the Note value |
| 304720396 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304720396 | Original Interest Rate | 7.25 | 6.875 | Verified | Field Value reflects the Note value |
| 304720396 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304720396 | Original CLTV | 34.65 | 33.04722 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304720396 | Original LTV | 34.65 | 33.04722 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304720496 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304720496 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304720496 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304720497 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304720497 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304720497 | Subject Debt Service Coverage Ratio | 1.06 | 1.07 | Verified | Field value reflects source document |
| 304720428 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304720428 | Subject Debt Service Coverage Ratio | 1.37 | 1.23 | Verified | Field value reflects source document |
| 304720423 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304720460 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304720460 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304720460 | Original Interest Rate | 7.63 | 8 | Verified | Field Value reflects the Note value |
| 304720460 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304720460 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304720460 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304720460 | Subject Debt Service Coverage Ratio | 1.22 | 1.15 | Verified | Field value reflects source document |
| 304720492 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304720492 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304678744 | Original Interest Rate | 7.63 | 7.625 | Verified | Field Value reflects the Note value |
| 304678744 | Occupancy | Investment | Primary | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 304711718 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304711718 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304711718 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304711718 | Original Interest Rate | 6.88 | 6.875 | Verified | Field Value reflects the Note value |
| 304692019 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Security Instrument |
| 304707945 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304702307 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304701033 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304701033 | Original Interest Rate | 6.88 | 6.875 | Verified | Field Value reflects the Note value |
| 304710674 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304698297 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304698297 | Original CLTV | 73.97 | 75 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304698297 | Original LTV | 73.97 | 75 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304700234 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304700234 | Original Interest Rate | 7.88 | 7.875 | Verified | Field Value reflects the Note value |
| 304711713 | Original Interest Rate | 7.88 | 7.875 | Verified | Field Value reflects the Note value |
| 304702566 | State | MI | MO | Verified | Field Value reflects State per Note |
| 304700128 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304700128 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304700128 | Original Interest Rate | 7.88 | 7.875 | Verified | Field Value reflects the Note value |
| 304700128 | Representative FICO | 767 | 780 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304702078 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304707914 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304707914 | Original Interest Rate | 7.63 | 7.625 | Verified | Field Value reflects the Note value |
| 304712261 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304700360 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304719435 | Coborrower First Name | xxxx | xxxx | Verified | No Co-Borrower In File |
| 304719435 | Coborrower Last Name | xxxx | xxxx | Verified | No Co-Borrower In File |
| 304709712 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304709712 | Original Interest Rate | 7.38 | 7.375 | Verified | Field Value reflects the Note value |
| 304707173 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304707173 | Original Interest Rate | 7.63 | 7.625 | Verified | Field Value reflects the Note value |
| 304715496 | Original Interest Rate | 7.38 | 7.375 | Verified | Field Value reflects the Note value |
| 304721833 | Investor: Qualifying Total Debt Ratio | 33.82 | 25.38299 | Verified | income and debt matches the lender but the lenders Calculation was incorrect. |
| 304711716 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304699599 | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304717989 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304717989 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304722390 | Original Interest Rate | 7.38 | 7.375 | Verified | Field Value reflects the Note value |
| 304707686 | Investor: Qualifying Total Debt Ratio | 45.62 | 39.84045 | Verified | Lender used higher taxes. Review used the title and tax cert. |
| 304707897 | Original Interest Rate | 8.88 | 8.875 | Verified | Field Value reflects the Note value |
| 304707897 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304724705 | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304724705 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304663387 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304663387 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304663387 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 304663387 | Refi Purpose |  | Rate/Term | Verified | The Bid Tape Field Value was not provided. |
| 304663387 | Investor: Qualifying Total Debt Ratio | 14.8642 | 22.4491 | Verified | Lender did not used the Additional Business losses |
| 304663387 | Decision System | DU | LP / LPA | Verified | Field value reflects source document |
| 304700165 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304700165 | Amortization Term | 360 | 480 | Verified | Field Value reflects Amortization Term per Note |
| 304700165 | Decision System |  |  | Verified | Field value reflects source document |
| 304642529 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304642529 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304692124 | Subject Debt Service Coverage Ratio | 1.27 | 1.26 | Verified | Due to rounding |
| 304721826 | Original Interest Rate | 7.63 | 7.5 | Verified | Field Value reflects the Note value |
| 304721826 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304721826 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304721826 | Original CLTV | 57.29 | 52.88462 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304721826 | Original LTV | 57.29 | 52.88462 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304724178 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304722403 | Original Interest Rate | 8 | 7.875 | Verified | Field Value reflects the Note value |
| 304722403 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304724717 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304716592 | Investor: Qualifying Total Debt Ratio | 31.89 | 36.78217 | Verified | Matches 1008. |
| 304725171 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304725171 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304712260 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304510432 | Refi Purpose | Cash-out | Rate/Term | Verified | HUD-1 reflects cash to borrower less than 2% of the loan amount. |
| 304693284 | Subject Debt Service Coverage Ratio | 1.61 | 1.70 | Verified | Field value reflects source document |
| 304682435 | Subject Debt Service Coverage Ratio | 1.62 | 1.34 | Verified | DSCR calculated using actual lease rent $xxxx and tax and insurance as documented. Unable to determine cause for discrepancy. |
| 304695743 | Subject Debt Service Coverage Ratio | 1.28 | 1.22 | Verified | Lender used monthly rent of $xxxx. Actual monthly rent is $xxxx |
| 304693235 | Subject Debt Service Coverage Ratio | 1.34 | 1.35 | Verified | Discrepancy DSCR due to Hazard Insurance Premium. Provided yearly premium in file is $xxxx/yr, $xxxx/mnth, |
| 304706980 | Original CLTV | 75.676 | 79.99781 | Verified | Seller credit exceeds 2% of purchase price. |
| 304706980 | Original LTV | 75.676 | 79.99781 | Verified | Seller credit exceeds 2% of purchase price. |
| 304706974 | Subject Debt Service Coverage Ratio | 1.20 | 1.22 | Verified | Lender used $xxxx to calculate DSCR. System is using actual lease rent $xxxx which is less than market rent $xxxx. |
| 304707088 | Subject Debt Service Coverage Ratio | 1.23 | 1.37 | Verified | Field value reflects source document |
| 304708997 | Subject Debt Service Coverage Ratio | 1.24 | 1.26 | Verified | DSCR calculated by using monthly PITIA xxxx and lease amount of $xxxx. Calculation matches UW worksheet. |
| 304708976 | Subject Debt Service Coverage Ratio | 1.26 | 1.25 | Verified | Due to rounding. |
| 304674657 | Original Interest Rate | 8.88 | 8.875 | Verified | Field Value reflects the Note value |
| 304674657 | Representative FICO | 699 | 689 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304712244 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304724174 | Original Interest Rate | 6.88 | 6.875 | Verified | Field Value reflects the Note value |
| 304711678 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304712259 | Coborrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304712259 | Coborrower Last Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304728740 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304728740 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304729020 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304729020 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304731827 | Original Interest Rate | 7.38 | 7.375 | Verified | Field Value reflects the Note value |
| 304716857 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304716857 | Original Interest Rate | 7.63 | 7.625 | Verified | Field Value reflects the Note value |
| 304716909 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304730671 | Coborrower First Name | xxxx | xxxx | Verified | No Co-Borrower In File |
| 304730671 | Coborrower Last Name | xxxx | xxxx | Verified | No Co-Borrower In File |
| 304725176 | Investor: Qualifying Total Debt Ratio | 29.34 | 34.81611 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304732968 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304730751 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304732789 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304643519 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304643519 | Original CLTV | 13.09 | 18.64407 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304643519 | Original LTV | 13.09 | 18.64407 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304643519 | Decision System |  |  | Verified | Field value reflects source document |
| 304678347 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304678347 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304678347 | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304678347 | Original CLTV | 70.41 | 73.10638 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304678347 | Original LTV | 70.41 | 73.10638 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304678347 | Investor: Qualifying Total Debt Ratio | 33.3771 | 41.76039 | Verified | Per 1008 DTI is 41.76% and calculated DTI is 41.76% |
| 304678347 | Decision System |  |  | Verified | Field value reflects source document |
| 304694852 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304694852 | Property Type | PUD | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304694852 | Original CLTV | 55 | 46.42435 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304694852 | Original LTV | 55 | 46.42435 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304694852 | Decision System |  |  | Verified | Field value reflects source document |
| 304693597 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304693597 | Investor: Qualifying Total Debt Ratio | 17.6875 | 21.21437 | Verified | Field Value DTI matches 1008 DTI. |
| 304693597 | Decision System |  |  | Verified | The Bid Tape Field Value was not provided. |
| 304699210 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304699210 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304699210 | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304699210 | Decision System |  |  | Verified | Field value reflects source document |
| 304694074 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304694074 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304694074 | Decision System |  |  | Verified | Field value reflects source document |
| 304694136 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304694136 | Property Type | PUD | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304694136 | Investor: Qualifying Total Debt Ratio | 21.8061 | 33.69493 | Verified | Per 1008 DTI is 33.694% and calculated DTI is 33.694% |
| 304694136 | Decision System |  |  | Verified | Field value reflects source document |
| 304694257 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304694257 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304694257 | Decision System | LP / LPA |  | Verified | Field value reflects source document |
| 304710288 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304710288 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304710288 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304710288 | Decision System |  |  | Verified | The Bid Tape Field Value was not provided. |
| 304696972 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304696972 | Decision System |  |  | Verified | Field value reflects source document |
| 304707160 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304707160 | Decision System |  |  | Verified | The Bid Tape Field Value was not provided. |
| 304705783 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304705783 | Investor: Qualifying Total Debt Ratio | 34.041 | 37.81875 | Verified | Lender has considered 0% expense factor while calculating business income from Bank Statement whereas Guideline allowed minimum 10% expense factor allowed, hence 10% expense factor has been considered for income calculation which resulted in DTI variance |
| 304705783 | Decision System |  |  | Verified | Field value reflects source document |
| 304393226 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304693478 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304702291 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304702291 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304702291 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304702291 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 304715539 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304715539 | Decision System |  |  | Verified | Field value reflects source document |
| 304705696 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304705696 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304705696 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304705696 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 304712235 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304712235 | Original Interest Rate | 7.5 | 7.49 | Verified | Field Value reflects the Note value |
| 304712235 | Investor: Qualifying Total Debt Ratio | 31.6756 | 39.9432 | Verified | Per 1008 DTI is 39.943% and calculated DTI is 39.943% |
| 304712235 | Decision System |  |  | Verified | Field value reflects source document |
| 304686672 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304686672 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304686672 | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304686672 | Original CLTV | 49.6 | 46.05263 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304686672 | Original LTV | 49.6 | 46.05263 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304686672 | Investor: Qualifying Total Debt Ratio | 44.2832 | 49.32893 | Verified | Per 1008 DTI is 49.30% and calculated DTI is 49.32% |
| 304686672 | Decision System |  |  | Verified | Field value reflects source document |
| 304707973 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304707973 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304707973 | Representative FICO | 790 | 784 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304707973 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304707973 | Decision System |  |  | Verified | Field value reflects source document |
| 304708868 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304708868 | Property Type | Single Family Detached | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304708868 | Decision System |  |  | Verified | The Bid Tape Field Value was not provided. |
| 304698328 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304698328 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304698328 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304698328 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304698328 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 304698328 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304693526 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304693526 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304693526 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304693526 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304693526 | Original Interest Rate | 8 | 7.999 | Verified | Field Value reflects the Note value |
| 304693526 | Refi Purpose |  | Cash-out - Other | Verified | The Bid Tape Field Value was not provided. |
| 304693526 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304710813 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304710813 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304710813 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304710813 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304710813 | Original CLTV | 75 | 71.12069 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304710813 | Original LTV | 75 | 71.12069 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304710813 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304697003 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304697003 | Investor: Qualifying Total Debt Ratio | 21 | 46.38288 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304697003 | Decision System | LP / LPA |  | Verified | Field value reflects source document |
| 304710931 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304720543 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304720543 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304720543 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304720543 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304712204 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304712204 | Decision System |  |  | Verified | The Bid Tape Field Value was not provided. |
| 304708782 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304708782 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304708782 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304708782 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304703002 | Subject Debt Service Coverage Ratio | 1.68 | 1.71 | Verified | Market rent and total PITIA is correctly updated. |
| 304710929 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304710929 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304710929 | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304710929 | Original CLTV | 67.7 | 64.38242 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304710929 | Original LTV | 67.7 | 64.38242 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304710929 | Investor: Qualifying Total Debt Ratio | 35 | 12.02743 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304710929 | Decision System |  |  | Verified | Field value reflects source document |
| 304734218 | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304734132 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304734132 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304733048 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304733048 | Investor: Qualifying Total Debt Ratio | 16.96 | 20.31347 | Verified | Using the most recent 24 months, came up with lower income. Excluded xx/xx/xxxx bank statement. |
| 304733093 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304732106 | Investor: Qualifying Total Debt Ratio | 46.89 | 43.74454 | Verified | DTI matches 1008 approval at 43.74% |
| 304727813 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304727813 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304727813 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304727813 | Appraised Value | xxxx | xxxx | Verified | Field Value reflects Approval/AUS value |
| 304727812 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304727812 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304727812 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304727812 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304727812 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304727812 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304727812 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304732189 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304732966 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304732966 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304729203 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304729203 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304728012 | Representative FICO | 809 | 811 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304732625 | Prepayment Penalty Period (months) |  | 24 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 304749716 | Representative FICO | 691 | 692 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304749716 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304677107 | Subject Debt Service Coverage Ratio | 1.13 | 1.19 | Verified | Field value reflects source document |
| 304693243 | Subject Debt Service Coverage Ratio | 2.09 | 2.06 | Verified | Lender used a lower monthly rent of $xxxx. Actual monthly rent is $xxxx |
| 304729998 | Original CLTV | 76.894 | 80 | Verified | max 2% seller concessions |
| 304729998 | Original LTV | 76.894 | 80 | Verified | max 2% seller concessions |
| 304732035 | Subject Debt Service Coverage Ratio | 1.24 | 1.30 | Verified | Lender considered Qualifying rent is $xxxx, However field value calculated Qualifying rent is $xxxx and It's impacting DSCR ratio. |
| 304730025 | Subject Debt Service Coverage Ratio | 2.07 | 1.53 | Verified | DSCR discrepancy due to change in tax amount considered in Final HUD. Tax amount in Final HUD is $xxxx. Final tax cert in file reflects taxes as $xxxx/mnth w/o tax credits. |
| 304730089 | Subject Debt Service Coverage Ratio | 1.65 | 1.83 | Verified | Field value reflects source document |
| 304754643 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 304730118 | Subject Debt Service Coverage Ratio | 1.14 | 1.05 | Verified | Lender used higher taxes at $xxxx and higher insurance at $xxxx than field value tax at $xxxx and insurance at $xxxx. |
| 304749960 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304736314 | Investor: Qualifying Total Debt Ratio | 40.4 | 45.38099 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304756747 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304754513 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304754513 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304754513 | Original Interest Rate | 6.88 | 6.875 | Verified | Field Value reflects the Note value |
| 304757468 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304760481 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304759812 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304749713 | Original Interest Rate | 7.38 | 7.375 | Verified | Field Value reflects the Note value |
| 304728739 | Original Interest Rate | 6.88 | 6.875 | Verified | Field Value reflects the Note value |
| 304728739 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304748478 | Property Type | PUD | PUD Attached | Verified | Field Value reflects the Approval/AUS in file. |
| 304677082 | Subject Debt Service Coverage Ratio | 1.16 | 1.15 | Verified | Lender used 2023 tax instead of 2024/2025 tax. |
| 304481096 | Subject Debt Service Coverage Ratio | 1.04 | 1.02 | Verified | Lender used 2023 tax instead of 2024/2025 tax which is higher. |
| 304724134 | Subject Debt Service Coverage Ratio | 1.23 | 1.19 | Verified | Field value is using $xxxx tax that includes the 2025 installments to calculate DSCR. Tape value is using only 2024 tax of $xxxx causing a discrepancy. Used the higher to be more conservative. |
| 304750067 | Original Interest Rate | 6.88 | 6.875 | Verified | Field Value reflects the Note value |
| 304763340 | Original Interest Rate | 7.38 | 7.375 | Verified | Field Value reflects the Note value |
| 304754869 | Original Interest Rate | 7.38 | 7.375 | Verified | Field Value reflects the Note value |
| 304751864 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304754455 | Original Interest Rate | 7.88 | 7.875 | Verified | Field Value reflects the Note value |
| 304764270 | Coborrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304764270 | Coborrower Last Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304756844 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Security Instrument |
| 304756844 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Security Instrument |
| 304757919 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304757919 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304757919 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304753794 | Subject Debt Service Coverage Ratio | 1.27 | 1.35 | Verified | Lender considered qualifying rent at 100% market $xxxx however, qualifying rent which is calculated by field value is $xxxx which is the lower of 110% of market or lease amount. |
| 304753803 | Subject Debt Service Coverage Ratio | 1.45 | 1.39 | Verified | City taxes $xxxx per month were not considered by underwriter. Field review includes all taxing entities. |
| 304734562 | Subject Debt Service Coverage Ratio | 1.51 | 1.32 | Verified | DSCR worksheet matches field value but does not match DSCR on the tape. |
| 304730098 | Subject Debt Service Coverage Ratio | 1.42 | 1.37 | Verified | Lender used higher taxes at $xxxx than field value at $xxxx. DSCR Calculation: 110% Market Rent $xxxx/ Rent $xxxx = 1.369%. |
| 304750321 | Original CLTV | 75 | 80 | Verified | LTV calculated as per original acquisition costs from purchase HUD-1 |
| 304750321 | Original LTV | 75 | 80 | Verified | LTV calculated as per original acquisition costs from purchase HUD-1 |
| 304750321 | Subject Debt Service Coverage Ratio | 1.19 | 1.32 | Verified | Lender used 90% of market rent at $xxxx instead of 100% of the market rent for the expanded program for vacant properties <6 months seasoning. |
| 304753775 | Original CLTV | 74.787 | 80 | Verified | Discrepancy due to assignment fees exceeding 20% not included in purchase price |
| 304753775 | Original LTV | 74.787 | 80 | Verified | Discrepancy due to assignment fees exceeding 20% not included in purchase price |
| 304734606 | Subject Debt Service Coverage Ratio | 1.30 | 1.62 | Verified | Lender used 90% of market rent at $xxxx instead of 100% of the market rent for the expanded program for vacant properties <6 months seasoning. Additionally, flood insurance escrow was included and loan file does not contain a flood policy. |
| 304754636 | Original CLTV | 76.8 | 80 | Verified | Assignment fee on final HUD exceeds 120% of sales price. Reduced sales price to $xxxxk |
| 304754636 | Original LTV | 76.8 | 80 | Verified | Assignment fee on final HUD exceeds 120% of sales price. Reduced sales price to $xxxxk |
| 304750326 | Subject Debt Service Coverage Ratio | 1.48 | 1.52 | Verified | Underwriter worksheet DSCR matches audit but does not match tape. |
| 304753763 | Subject Debt Service Coverage Ratio | 1.92 | 1.94 | Verified | DSCR worksheet matches field value but does not match DSCR on the tape. |
| 304730095 | Subject Debt Service Coverage Ratio | 3.38 | 3.30 | Verified | UW worksheet considered $xxxx rent; field review comparable rent schedule reflects $xxxx. |
| 304730005 | Subject Debt Service Coverage Ratio | 1.36 | 1.47 | Verified | DSCR matches underwriter worksheet in file but does not match tape. |
| 304730041 | Subject Debt Service Coverage Ratio | 1.48 | 1.40 | Verified | DSCR worksheet matches field value but does not match DSCR on the tape. |
| 304750231 | Subject Debt Service Coverage Ratio | 1.91 | 1.60 | Verified | DSCR calculated using market rent and documented tax and insurance. Calculations match UW worksheet xxxx. Unable to determine cause of discrepancy |
| 304750221 | Subject Debt Service Coverage Ratio | 1.24 | 1.37 | Verified | Lender considered qualifying rent is $xxxx the current market rent is $xxxx. Subject currently not occupied. |
| 304750258 | Subject Debt Service Coverage Ratio | 1.31 | 1.43 | Verified | Lender used 100% of market rent $xxxx instead of lease rent $xxxx which is less than 110% of the market rent. |
| 304750243 | Subject Debt Service Coverage Ratio | 1.59 | 1.21 | Verified | Lender used market rent $xxxx to calculate DSCR. System using lower actual rent $xxxx. |
| 304750413 | Subject Debt Service Coverage Ratio | 2.24 | 1.86 | Verified | DSCR matches UW worksheet in file but not tape. |
| 304700196 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304700196 | Decision System | LP / LPA |  | Verified | Field value reflects source document |
| 304716556 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304716556 | Decision System |  |  | Verified | Field value reflects source document |
| 304700854 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304700854 | Original CLTV | 60 | 61.69666 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304700854 | Original LTV | 60 | 61.69666 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304700854 | Investor: Qualifying Total Debt Ratio | 31.2834 | 37.65916 | Verified | Field Value DTI matches 1008 DTI. |
| 304700854 | Decision System |  |  | Verified | The Bid Tape Field Value was not provided. |
| 304711811 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304711811 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304711811 | Decision System |  |  | Verified | The Bid Tape Field Value was not provided. |
| 304725132 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304725132 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304725132 | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304725132 | Decision System |  |  | Verified | The Bid Tape Field Value was not provided. |
| 304709863 | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304732770 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304732770 | Investor: Qualifying Total Debt Ratio | 21.9104 | 30.34203 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304732770 | Decision System |  |  | Verified | Field value reflects source document |
| 304728790 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304728790 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304728790 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304728790 | Decision System |  |  | Verified | Field value reflects source document |
| 304747503 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304747503 | Decision System |  |  | Verified | Field value reflects source document |
| 304728707 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304728707 | Decision System |  |  | Verified | Field value reflects source document |
| 304716561 | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304716561 | Investor: Qualifying Total Debt Ratio | 39.8053 | 47.15181 | Verified | Field Value DTI matches AUS DTI of 47.15%. |
| 304717762 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304717762 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304717762 | Original CLTV | 43.14 | 45.73346 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304717762 | Original LTV | 43.14 | 45.73346 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304717762 | Investor: Qualifying Total Debt Ratio | 28.3595 | 49.98302 | Verified | Field Value DTI matches 1008 DTI of 49.970%. |
| 304736187 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304736187 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304736187 | Original CLTV | 52.9 | 49.13043 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304736187 | Original LTV | 52.9 | 49.13043 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304736187 | Investor: Qualifying Total Debt Ratio | 15.219 | 29.38323 | Verified | Per Approval DTI is 29.38% and calculated DTI is 29.38% |
| 304736187 | Decision System |  |  | Verified | Field value reflects source document |
| 304730141 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304730141 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304730141 | Decision System |  |  | Verified | Field value reflects source document |
| 304754955 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304754955 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304754955 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304754955 | Decision System |  |  | Verified | Field value reflects source document |
| 304754969 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304754969 | Decision System |  |  | Verified | Field value reflects source document |
| 304754945 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304754945 | Decision System |  |  | Verified | Field value reflects source document |
| 304754960 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304754960 | Decision System |  |  | Verified | Field value reflects source document |
| 304754953 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304754953 | Decision System |  |  | Verified | Field value reflects source document |
| 304754956 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304754956 | Decision System |  |  | Verified | Field value reflects source document |
| 304745149 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304745149 | Original CLTV | 34.6 | 33.51499 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304745149 | Original LTV | 34.6 | 33.51499 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304748470 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304748470 | Decision System |  |  | Verified | Field value reflects source document |
| 304730140 | Investor: Qualifying Total Debt Ratio | 35.882 | 40.28329 | Verified | Field Value DTI matches 1008 DTI. |
| 304725161 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304725161 | Original Interest Rate | 7.5 | 7.375 | Verified | Field Value reflects the Note value |
| 304725161 | Original CLTV | 53.98 | 56.35714 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304725161 | Original LTV | 53.98 | 56.35714 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304644036 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Security Instrument |
| 304644036 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304705145 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304705145 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304705145 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304705145 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304705145 | Investor: Qualifying Total Debt Ratio | 0 |  | Verified | Field Value DTI is higher than Tape value but within 3% and < 45% DTI |
| 304708783 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304708783 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304708783 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304708783 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304708781 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304708781 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304708781 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304708781 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304708781 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304684736 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304705695 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304705695 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304705695 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304705695 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 304702253 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304702253 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304702253 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304702253 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304727937 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304727937 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304727937 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304727937 | Refi Purpose |  | Rate/Term | Verified | The Bid Tape Field Value was not provided. |
| 304727937 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 304702979 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304703007 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304703007 | # of Units | xxxx | xxxx | Verified | Field value reflects source document |
| 304702966 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304702966 | Original LTV | 0.49039 | 48.9899 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304730787 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304730787 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304730787 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 304731903 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304731903 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304731903 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304731903 | Property Type | Single Family Attached | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304731903 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304720365 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304731046 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304731046 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304731046 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304731046 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304734735 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304734735 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304734735 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304734735 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 304734552 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304734552 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304734552 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 304734552 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304734552 | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304734552 | Original CLTV | 50 | 47.91667 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304734552 | Original LTV | 50 | 47.91667 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304734551 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304734551 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304734551 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304734551 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 304734551 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304734551 | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304734551 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304702998 | Representative FICO | 740 | 751 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304702998 | Property Type | Townhouse | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304702998 | Prepayment Penalty | 1 | 0 | Verified | Field Value reflects 'PrePayment Penalty' per the Note |
| 304734162 | Investor: Qualifying Total Debt Ratio | 0 |  | Verified | Field Value DTI is higher than Tape value but within 3% and < 45% DTI |
| 304754946 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304754946 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304754946 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 304754949 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304732442 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304671262 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304671262 | Subject Debt Service Coverage Ratio | 1.43 | 1.29 | Verified | Lender utilized $xxxx in qualifying rent; however, qualifying rent is $xxxx. Further, Lender used higher tax amount than verified by title commitment in file. |
| 304671220 | Subject Debt Service Coverage Ratio | 2.20 | 2.24 | Verified | Lender used slightly higher property tax.<br> Lender used $xxxx for the qualifying rent instead of $xxxx which is the total for the lesser of 110% of Market Rent and the rent amount for each unit. |
| 304730129 | Subject Debt Service Coverage Ratio | 1.19 | 1.24 | Verified | Lender used $xxxx qualifying rent vs $xxxx market rent. Seasoning is > 6 months but STR income is not provided. |
| 304693340 | Original CLTV | 77.56 | 80 | Verified | Due to reduction of purchase price for seller concession over 2% |
| 304693340 | Original LTV | 77.56 | 80 | Verified | Due to reduction of purchase price for seller concession over 2% |
| 304693295 | Subject Debt Service Coverage Ratio | 1.19 | 1.41 | Verified | Lender considered qualifying rent is $xxxx which is less than Current monthly rent $xxxx and it's impacting DSCR ratio. |
| 304695733 | Subject Debt Service Coverage Ratio | 2.73 | 2.61 | Verified | Ground rent of $xxxx per month not considered for DSCR calculation. |
| 304750274 | Subject Debt Service Coverage Ratio | 1.51 | 1.50 | Verified | Lender used $xxxx rents vs lower of lease or 110% of market which was xxxx. |
| 304753800 | Subject Debt Service Coverage Ratio | 1.14 | 1.02 | Verified | DSCR matches approval in loan file of 1.02 but not tape. |
| 304754638 | Original CLTV | 76.8 | 80 | Verified | Assignment fee on final hud exceeds 120% of sales price. Max allowed sales price is $xxxx. |
| 304754638 | Original LTV | 76.8 | 80 | Verified | Assignment fee on final hud exceeds 120% of sales price. Max allowed sales price is $xxxx. |
| 304750259 | Subject Debt Service Coverage Ratio | 1.40 | 1.39 | Verified | UW used a lower monthly tax amount $xxxx to calculate DSCR. DSCR calculated using higher documented taxes causing a discrepancy. |
| 304759887 | Subject Debt Service Coverage Ratio | 1.06 | 1.17 | Verified | Lender used 90% market rent $1080 to calculate DSCR |
| 304750268 | Subject Debt Service Coverage Ratio | 1.49 | 1.65 | Verified | Lender using $xxxx DSCR and field value is $xxxx market rent. |
| 304753761 | Subject Debt Service Coverage Ratio | 1.44 | 1.52 | Verified | Field value reflects source document |
| 304750399 | Subject Debt Service Coverage Ratio | 1.53 | 1.52 | Verified | Rounding |
| 304730042 | Refi Purpose | Cash-out | Rate/Term | Verified | Cash to borrower is less than 2% of loan amount. |
| 304730042 | Subject Debt Service Coverage Ratio | 1.64 | 1.53 | Verified | Lender considered only property taxes in the amount of $xxxx and did not consider city taxes of $xxxx per month. Calculated DSCR: Rent $xxxx / PITIA $xxxx = 1.53% |
| 304759875 | Subject Debt Service Coverage Ratio | 1.58 | 1.69 | Verified | DSCR worksheet matches field value but does not match DSCR on the tape. |
| 304759894 | Subject Debt Service Coverage Ratio | 1.22 | 1.35 | Verified | Lender used 90% of market rent ($xxxx) while Field review utilized 100% of market rent, per guidelines. |
| 304750309 | Subject Debt Service Coverage Ratio | 1.38 | 1.53 | Verified | Field value reflects source document |
| 304750264 | Subject Debt Service Coverage Ratio | 1.00 | 1.10 | Verified | Lender using $xxxx for qualifying rent vs $xxxx lease amount. |
| 304758715 | Subject Debt Service Coverage Ratio | 1.17 | 1.31 | Verified | Lender used 90% of qualifying rent and 90% of rental listing. Property owned < 6 months. Field used market rent for vacant unit and lower of market rent / lease amount for leased units. Hazard insurance escrow on UW approval reflects $xxxx per month and insurance in file reflects escrow of $xxxx that matches escrow collected. |
| 304764148 | Subject Debt Service Coverage Ratio | 2.75 | 2.42 | Verified | Lender used lower insurance at $xxxx than field value at $xxxx. Used 2025 tax amount from tax certificate with higher value. |
| 304750342 | Subject Debt Service Coverage Ratio | 1.38 | 1.54 | Verified | Field value reflects source document |
| 304753770 | Subject Debt Service Coverage Ratio | 1.29 | 1.24 | Verified | Lender used lower taxes at $xxxx than field value at $xxxx. |
| 304759882 | Subject Debt Service Coverage Ratio | 1.19 | 1.08 | Verified | Lender considered Qualifying rent is $xxxx, However field value calculated Qualifying rent is $xxxx and It's impacting DSCR ratio. |
| 304759892 | Subject Debt Service Coverage Ratio | 1.69 | 1.84 | Verified | UW utilized qualifying rent $xxxx to calculate DSCR. Field using market rent $xxxx to calculate DSCR causing a discrepancy. |
| 304750410 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 304750410 | Refi Purpose | Cash-out | Rate/Term | Verified | Borrower received < 2% of the loan amount cash out. |
| 304764223 | Subject Debt Service Coverage Ratio | 1.67 | 1.66 | Verified | Rounding |
| 304758703 | Subject Debt Service Coverage Ratio | 1.47 | 1.62 | Verified | UW calculated DSCR based on market rent of $xxxx, while field review used 110% of market rent or $xxxx, resulting in DSCR of 1.616%. |
| 304750257 | Subject Debt Service Coverage Ratio | 1.28 | 1.27 | Verified | Rounding |
| 304730121 | Subject Debt Service Coverage Ratio | 1.10 | 1.13 | Verified | Lender considered Qualifying rent is $xxxx, however qualifying rent is $xxxx |
| 304764217 | Subject Debt Service Coverage Ratio | 1.29 | 1.27 | Verified | Lender considered Qualifying rent is $xxxx, However field value calculated Qualifying rent is $xxxx and It's impacting DSCR ratio. |
| 304706952 | Subject Debt Service Coverage Ratio | 1.42 | 1.35 | Verified | DSCR worksheet matches field value but does not match DSCR on the tape. |
| 304812013 | Subject Debt Service Coverage Ratio | 1.34 | 1.33 | Verified | DSCR discrepancy due to monthly tax amount updated as per provided document. |
| 304365493 | Subject Debt Service Coverage Ratio | 1.26 | 1.25 | Verified | Within tolerance |
| 304732405 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304764179 | Representative FICO | 710 | 731 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304759906 | First Payment Date | xxxx | xxxx | Verified | Field Value reflects First Payment Date per the Note |
| 304759906 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 304759906 | Maturity Date | xxxx | xxxx | Verified | Field Value reflects Maturity Date per the Note |
| 304759906 | First Interest Rate Change Date | xxxx | xxxx | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 304759858 | Subject Debt Service Coverage Ratio | 1.57 | 1.67 | Verified | DSCR calculated using documented tax and insurance and actual lease amount. Unable to determine cause of discrepancy. |
| 304767220 | Subject Debt Service Coverage Ratio | 1.13 | 1.26 | Verified | Lender considered qualifying rent is $xxxx which is less than current market rent $xxxx and it's impacting DSCR ratio. |
| 304758706 | Subject Debt Service Coverage Ratio | 1.17 | 1.21 | Verified | Lender considered Qualifying rent is $xxxx, However system calculated Qualifying rent is $xxxx per lease in file. |
| 304767218 | Subject Debt Service Coverage Ratio | 1.40 | 1.43 | Verified | Field value reflects source document |
| 304811970 | Subject Debt Service Coverage Ratio | 1.00 | 1.03 | Verified | Lender used 100% of market rent $xxxx instead of lease rent $xxxx which is less than 110% of the market rent. |
| 304753765 | Original CLTV | 68.25 | 70 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304753765 | Original LTV | 68.25 | 70 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304753765 | Subject Debt Service Coverage Ratio | 1.66 | 1.84 | Verified | UW Worksheet is using rents of $xxxx of market rent. Property has been owned < 6 months vacant full market rent used by system. |
| 304812036 | Subject Debt Service Coverage Ratio | 1.03 | 1.15 | Verified | DSCR mismatch due to variance in qualifying rent considered. U/W considered 90% of market rent ($xxxx) but field review considers full market rent of $xxxx. Calculated DSCR: Rent $xxxx / $xxxx = 1.148%. |
| 304812082 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 304812066 | Subject Debt Service Coverage Ratio | 1.01 | 1.08 | Verified | DSCR matches UW worksheet but not tape. |
| 304812067 | Subject Debt Service Coverage Ratio | 1.01 | 1.08 | Verified | DSCR matches UW worksheet in file but not tape. |
| 304819410 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 304819410 | Interest Rate Life Floor | 6.5 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| 304819477 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304819407 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 304758721 | Subject Debt Service Coverage Ratio | 1.42 | 1.45 | Verified | Field value was lower of in place rent or 110% of market rent. |
| 304811928 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304812034 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304812034 | Subject Debt Service Coverage Ratio | 1.47 | 1.64 | Verified | DSCR matches UW worksheet but not tape. |
| 304811914 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304812008 | Subject Debt Service Coverage Ratio | 1.55 | 1.41 | Verified | Lender used lower of 110% of market rent or lease amount. Field is reflecting lower of lease or market rent. |
| 304721800 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304721800 | Decision System | DU |  | Verified | Field value reflects source document |
| 304754948 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304754948 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304754948 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304754948 | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304754948 | Decision System |  |  | Verified | Field value reflects source document |
| 304754950 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304754950 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304754950 | Decision System |  |  | Verified | Field value reflects source document |
| 304728704 | Investor: Qualifying Total Debt Ratio | 33 | 39.95277 | Verified | Field Value DTI matches 1008 DTI. |
| 304725210 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304725210 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304725210 | Representative FICO | 739 | 745 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304725210 | Decision System |  |  | Verified | Field value reflects source document |
| 304716564 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304716564 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304716564 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304716564 | Property Type | Single Family Detached | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304716564 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 304729212 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304729212 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304729212 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 304729212 | Original CLTV | 74.58 | 73.33333 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304729212 | Original LTV | 74.58 | 73.33333 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304729212 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 304750429 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304750429 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304750429 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304750429 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304736121 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304736121 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304736121 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304736121 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304754959 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304754959 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304732959 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304754961 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304754961 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304754962 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304754962 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304755002 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304755002 | Representative FICO | 756 | 727 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304755002 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 304703003 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304703003 | # of Units | xxxx | xxxx | Verified | Field value reflects source document |
| 304827003 | Subject Debt Service Coverage Ratio | 1.14 | 1.53 | Verified | Unable to determine the difference due to missing the lender's calculations. |
| 304731056 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304731056 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304731056 | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304731056 | Investor: Qualifying Total Debt Ratio | 28 | 8.61792 | Verified | Per 1008 DTI is 8.616% and calculated DTI is 8.617% |
| 304731056 | Decision System |  |  | Verified | Field value reflects source document |
| 304736630 | Property Type | PUD | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304732827 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 304765896 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304765896 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304765896 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304765896 | Original CLTV | 75 | 73.04688 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304765896 | Original LTV | 75 | 73.04688 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304765896 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 304827002 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304826996 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304756773 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304756773 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304734244 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304734244 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304734244 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304734244 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 304756772 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304756772 | Property Type | PUD | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304732835 | Investor: Qualifying Total Debt Ratio | 20.11 | 16.19692 | Verified | DTI reviewed 16.722% vs Lender calculated DTI 16.72 |
| 304734736 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304758950 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304758950 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304758950 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304758950 | Property Type | 4 Family | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304758950 | # of Units | xxxx | xxxx | Verified | Field value reflects source document |
| 304758950 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304703011 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304758737 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304758737 | Decision System |  |  | Verified | Field value reflects source document |
| 304757481 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304757481 | Property Type | Single Family Detached | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304768634 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304768634 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304768634 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304768634 | Property Type | PUD | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304768634 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 304766919 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304759542 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304759542 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304759542 | Investor: Qualifying Total Debt Ratio | 35 | 44.66887 | Verified | 1008 and AUS not available to verify the DTI considered by lender. values updated as per source document |
| 304759542 | Decision System |  |  | Verified | Field value reflects source document |
| 304747397 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304747397 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304747397 | Investor: Qualifying Total Debt Ratio | 6.6832 | 43.15567 | Verified | Per 1008 DTI is 43.157% and calculated DTI is 43.156% |
| 304747397 | Decision System |  |  | Verified | Field value reflects source document |
| 304702972 | Prepayment Penalty | 1 | 0 | Verified | Field Value reflects 'PrePayment Penalty' per the Note |
| 304729990 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304729990 | Investor: Qualifying Total Debt Ratio | 22.28 | 19.12178 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304747514 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304747514 | Representative FICO | 810 | 813 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
| 304747514 | Property Type | PUD | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304747514 | Investor: Qualifying Total Debt Ratio | 20 | 13.77706 | Verified | Per 1008 DTI is 13.701% and calculated DTI is 13.777% due to Borrowers income of $xxxx vs 1008 of $xxxx. Missing income worksheet for bank statement income |
| 304747514 | Decision System |  |  | Verified | Field value reflects source document |
| 304732709 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304732709 | Investor: Qualifying Total Debt Ratio | 28.1647 | 15.75366 | Verified | Per 1008 DTI is 15.784% and calculated DTI is 15.754% due to the subject properties PITIA of $xxxx per the first payment letter vs 1008 of $xxxx. |
| 304732709 | Decision System | DU |  | Verified | Field value reflects source document |
| 304745142 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304745142 | Decision System |  |  | Verified | Field value reflects source document |
| 304754473 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304754473 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304754473 | Investor: Qualifying Total Debt Ratio | 18.052 | 24.1414 | Verified | Matches with 1008 |
| 304754473 | Decision System |  |  | Verified | Field value reflects source document |
| 304749950 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304749950 | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304776879 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304776879 | Investor: Qualifying Total Debt Ratio | 12.8752 | 17.8858 | Verified | Field Value DTI matches 1008 DTI. |
| 304764439 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304764439 | Decision System |  |  | Verified | Field value reflects source document |
| 304769701 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304769701 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304769701 | Decision System |  |  | Verified | Field value reflects source document |
| 304754984 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304754984 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304754984 | Investor: Qualifying Total Debt Ratio | 30.904 | 39.5533 | Verified | Matches with 1008 |
| 304754984 | Decision System |  |  | Verified | Field value reflects source document |

---

## Exhibit 99.3

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Loan 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** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 304072727 | 29782691 |  | 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. |  |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304072727 | 29836499 |  | Credit | TRID | Document Error | TRID | Equity of Sold Property was reflected on Closing Disclosure, however missing evidence of sold property. |  | xxxx |  |  |  | xxxx | 02/20/2024 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304254580 | 30824568 |  | 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 $1,625.00 exceeds tolerance of $875.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 05/17/2024 |  |  | 1 C A |  | MI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Exempt from ATR | Yes |
| 304254580 | 30824569 |  | 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. | xxxx |  |  |  | xxxx | 05/13/2024 |  |  | 1 B A |  | MI | Primary | Purchase | C A | Safe Harbor QM (APOR) | Exempt from ATR | No |
| 304254580 | 30824570 |  | 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. | xxxx |  |  |  | xxxx | 05/13/2024 |  |  | 1 B A |  | MI | Primary | Purchase | C A | Safe Harbor QM (APOR) | Exempt from ATR | No |
| 304254580 | 30824571 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | xxxx |  |  |  | xxxx | 05/13/2024 |  |  | 1 C A |  | MI | Primary | Purchase | C A | Safe Harbor QM (APOR) | Exempt from ATR | No |
| 304254580 | 30824572 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Require Third Party Verification for xxxx |  |  |  | xxxx | 05/16/2024 |  |  | 1 C A |  | MI | Primary | Purchase | C A | Safe Harbor QM (APOR) | Exempt from ATR | No |
| 304254580 | 30824573 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 05/13/2024 |  |  | 1 C A |  | MI | Primary | Purchase | C A | Safe Harbor QM (APOR) | Exempt from ATR | No |
| 304254580 | 30824574 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide documentation to support taxes used in qualfying in the amount of $xxxx. |  |  |  | xxxx | 05/13/2024 |  |  | 1 C A |  | MI | Primary | Purchase | C A | Safe Harbor QM (APOR) | Exempt from ATR | No |
| 304392264 | 31720111 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | xxxx |  |  |  | xxxx | 09/25/2024 |  |  | 1 B A |  | CA | Investment | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304392264 | 31720145 |  | 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 $300.00 exceeds tolerance of $200.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 09/24/2024 |  | 1 A |  | CA | Investment | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 303760022 | 31801294 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Initial Purchase) not provided |  | xxxx |  |  |  | xxxx | 09/13/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 303760022 | 31801295 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 09/13/2024 |  |  | 1 C A D |  | FL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304396173 | 31861907 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304405110 | 31957881 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304405110 | 31957896 |  | 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. |  | xxxx |  |  |  | xxxx | 01/31/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304405110 | 31957907 |  | 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. | xxxx |  |  |  | xxxx | 10/24/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| 304418508 | 32020604 |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | xxxx | 10/31/2024 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304418508 | 32020705 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304418508 | 32020714 |  | 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 $9,570.00 exceeds tolerance of $8,210.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/04/2024 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304418508 | 32043362 |  | 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 $9,570.00 exceeds tolerance of $8,210.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/04/2024 |  | 1 A |  | NY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304422681 | 32070966 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx |  |  |  | xxxx | 11/18/2024 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304422681 | 32071207 |  | 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 $5,250.00 exceeds tolerance of $3,897.00 plus 10% or $4,286.70. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/13/2024 |  |  | 1 C A |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304422681 | 32071208 |  | 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 $1,000.00 exceeds tolerance of $950.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/13/2024 |  |  | 1 C A |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304422681 | 32071209 |  | 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 Income Fee. Fee Amount of $51.52 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 12/10/2024 |  | 2 C B |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304422681 | 32088141 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304398759 | 32090964 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | xxxx | 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. | Guidelines Representative FICO: 680<br> Representative FICO: 770<br>Reserves: 56.97<br> Guideline Requirement: 14.89 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 10/08/2024 | 2 C B |  | MO | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304398759 | 32090965 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 09/24/2024 |  |  | 1 C A |  | MO | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304428309 | 32337574 |  | 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. |  | xxxx |  |  |  | xxxx | 11/05/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304428309 | 32337575 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Appraisal transfer letter, exception approval, and paid invoice are provided in the file. |  |  |  | xxxx | 10/25/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304428309 | 32337576 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 93.03<br> Guideline Requirement: 8.66<br>Guidelines Representative FICO: 680<br> Representative FICO: 777 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 10/22/2024 | 2 B |  | FL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304428309 | 32337577 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx. | SitusAMC,Originator | xxxx |  |  | 11/14/2024 | 2 B |  | FL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304458652 | 32416046 |  | 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 $1,123.60 exceeds tolerance of $1,000.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 12/16/2024 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304438710 | 32423032 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | xxxx |  |  |  | xxxx | 11/20/2024 |  |  | 1 B A |  | UT | Primary | Refinance - Rate/Term | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
| 304459326 | 32509203 |  | 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. | xxxx |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304459326 | 32541136 |  | 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 $705.00 exceeds tolerance of $505.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 01/02/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304459326 | 32541137 |  | 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 $4,702.50 exceeds tolerance of $4,294.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 01/02/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304427413 | 32549316 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304427413 | 32549318 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Non QM | Non QM | No |
| 304427413 | 32549319 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Non QM | Non QM | Yes |
| 304427413 | 32549320 |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is in excess of allowable threshold of Prime Mortgage Market Rate xxxx + 1.75%, or xxxx%. Non-Compliant SubPrime Loan. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | (Limited Use Bona Fide Errors - Compliance and Client Approval Required) With no time limit for which a cure may be made, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the subprime home loan threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Non QM | Non QM | Yes |
| 304427413 | 32549321 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Non QM | Non QM | No |
| 304427413 | 32549323 |  | 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 $154.24 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 01/03/2025 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304420614 | 32704762 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | 1025 appraisal references deferred maintenance in the form of buckled/missing shingles on roof and buckling in wood floor. A cost to cure was not provided and the HUD does not include an escrow holdback. Proof of completion of to verify the conditions have been repaired is not provided. |  |  |  | xxxx | 10/22/2024 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304420614 | 32704763 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible borrower per guidelines. |  | xxxx |  |  |  | xxxx | 07/09/2024 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304492630 | 32732155 |  | 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 $200.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 02/05/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304492630 | 32754729 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304462231 | 32767231 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on tape. Appraisal indicates Legal Nonconforming zoning and the property cannot be built if destroyed. Exception is approved for subject's zoning with requirement of Law and Ordinance coverage. Evidence of insurance reflects Ordinance or Law coverage. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Debt Service Coverage Ratio: 1.66<br> Guideline Requirement: 1.00<br>Reserves: 46.76<br> Guideline Requirement: 6.49 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 07/03/2024 | 2 B |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304462231 | 32767232 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal indicates one of the three units is vacant and lease agreements are provided for only two units. Exception approval is found on UW Narrative for using $0 qualifying rent for the vacant unit without 5% LTV reduction. The exception is approved for using $0 rent for the vacant unit and waiving the 5% LTV reduction. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Debt Service Coverage Ratio: 1.66<br> Guideline Requirement: 1.00<br>Reserves: 46.76<br> Guideline Requirement: 6.49 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 07/08/2024 | 2 C B |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304462231 | 32767233 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Application reflects the guarantor is a U.S. Citizen, however guarantor's driver's license reflects "Limited Term". Please provide evidence of the guarantor's U.S. citizenship. |  |  |  | xxxx | 07/22/2024 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304405499 | 32845201 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | xxxx |  |  |  | xxxx | 09/13/2024 |  |  | 1 C A |  | GA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304405499 | 32845202 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC | xxxx |  |  | 09/19/2024 | 2 C B |  | GA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304405499 | 32845203 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  | xxxx |  |  |  | xxxx | 09/20/2024 |  |  | 1 C A |  | GA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304405499 | 32845204 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 09/20/2024 |  |  | 1 C A |  | GA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304405499 | 32845205 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | xxxx |  |  |  | xxxx | 09/20/2024 |  |  | 1 C A |  | GA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304405499 | 32845206 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | xxxx |  |  |  | xxxx | 09/20/2024 |  |  | 1 C A |  | GA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304421506 | 32845474 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | xxxx |  |  |  | xxxx | 11/24/2024 |  |  | 1 C A |  | IA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| 304421506 | 32845475 |  | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. |  | xxxx |  |  |  | xxxx | 11/24/2024 |  |  | 1 C A |  | IA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| 304421506 | 32845477 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | xxxx |  |  |  | xxxx | 11/24/2024 |  |  | 1 C A |  | IA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| 304421506 | 32845478 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/24/2024 |  |  | 1 C A |  | IA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| 304421506 | 32845479 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | xxxx |  |  |  | xxxx | 10/25/2024 |  |  | 1 C A |  | IA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| 304421506 | 32845480 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 11/24/2024 | 2 C B |  | IA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| 304421506 | 32845481 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 11/08/2024 |  |  | 1 C A D |  | IA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| 304421506 | 32845482 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 11/24/2024 |  |  | 1 C A |  | IA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| 304633029 | 32862041 |  | Compliance | Compliance | Federal Compliance | Flood | Flood Insurance Escrow - Flood not Escrowed for Property in Flood Zone | Loan originated post December 2015, the subject property is in a flood zone, flood insurance is not escrowed. |  |  |  |  | xxxx | 04/21/2025 |  |  | 1 B A |  | CT | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304633029 | 32862042 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | CT | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304633029 | 32862045 |  | 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/xxxx incorrectly disclosed whether Homeowners Insurance is included in escrow. | xxxx |  |  |  | xxxx |  | 06/02/2025 |  | 2 C B |  | CT | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304633029 | 32862046 |  | 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. | xxxx |  |  |  | xxxx | 03/26/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Rate/Term | No Defined Cure B A | Non QM | Non QM | No |
| 304633029 | 32862047 |  | 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 $4,950.00 exceeds tolerance of $3,360.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 03/26/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304633029 | 32862048 |  | 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 - Closing Protection Letter Fee. Fee Amount of $50.00 exceeds tolerance of $25.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 04/21/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304633029 | 32862059 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. |  |  |  |  | xxxx |  | 02/17/2025 |  | 1 A |  | CT | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | Non QM | Non QM | Yes |
| 304633029 | 32862060 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | xxxx |  |  |  | xxxx |  | 02/17/2025 |  | 1 A |  | CT | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD B A | Non QM | Non QM | Yes |
| 304633029 | 32865232 |  | 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/xxxx 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. | xxxx |  |  |  | xxxx | 03/25/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304486456 | 32874717 |  | 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. | xxxx |  |  |  | xxxx |  |  | 01/29/2025 | 2 B |  | NJ | Investment | Purchase | B A |  | N/A | No |
| 304486456 | 32874718 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | xxxx |  |  |  | xxxx |  |  | 01/29/2025 | 2 B |  | NJ | Investment | Purchase | B A |  | N/A | No |
| 304492387 | 32885629 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $xxxx (2025). FNMA Finance Charge total $xxxx on a Original Loan Amount of $xxxx vs. an allowable total of $xxxx and $xxxx (2025) (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | ID | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | N/A | N/A | Yes |
| 304637111 | 32976496 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes |
| 304637111 | 32976497 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes |
| 304637111 | 32976506 |  | 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. | xxxx |  |  |  | xxxx | 03/24/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Non QM | No |
| 304643260 | 33003694 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | xxxx |  |  |  | xxxx | 03/20/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| 304643260 | 33003712 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/12/2025 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| 304643260 | 33003846 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $xxxx (2025). FNMA Finance Charge total $xxxx on a Original Loan Amount of $xxxx vs. an allowable total of $xxxx and $xxxx (2025) (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | CA | Investment | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | N/A | N/A | Yes |
| 304666623 | 33099252 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $xxxx (2025). FNMA Finance Charge total $xxxx on a Original Loan Amount of $xxxx vs. an allowable total of $xxxx and $xxxx (2025) (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | CA | Investment | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | N/A | Yes |
| 304666619 | 33184035 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | xxxx | 04/09/2025 |  |  | 1 A |  | HI | Investment | Purchase | C B A | N/A | N/A | No |
| 304666619 | 33184072 |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | xxxx | 04/09/2025 |  |  | 1 C A |  | HI | Investment | Purchase | C B A | N/A | N/A | No |
| 304666619 | 33184136 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $xxxx (2025). FNMA Finance Charge total $xxxx on a Original Loan Amount of $xxxx vs. an allowable total of $xxxx and $xxxx (2025) (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | HI | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | N/A | N/A | Yes |
| 304666663 | 33100590 |  | 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 $6,300.00 exceeds tolerance of $5,906.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 03/28/2025 |  |  | 1 C A |  | LA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304498523 | 33021380 |  | 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 $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 03/12/2025 |  | 1 A |  | NC | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304654925 | 33092662 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 05/22/2025 |  | 2 C B |  | MD | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 304654925 | 33092663 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 05/22/2025 |  | 2 C B |  | MD | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 304643474 | 33099372 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of the greater of .00000% of the Federal Total Loan Amount and $xxxx (2025). Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx and $xxxx (2025) (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304643474 | 33099373 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 05/23/2025 |  | 2 C B |  | PA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 304643474 | 33099374 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 05/23/2025 |  | 2 C B |  | PA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 304643456 | 33130879 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $xxxx (2025). FNMA Finance Charge total $xxxx on a Original Loan Amount of $xxxx vs. an allowable total of $xxxx and $xxxx (2025) (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | SC | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | N/A | N/A | Yes |
| 304641635 | 33134711 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $xxxx (2025). FNMA Finance Charge total $xxxx on a Original Loan Amount of $xxxx vs. an allowable total of $xxxx and $xxxx (2025) (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | AL | Investment | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | N/A | N/A | Yes |
| 304654880 | 33145199 |  | 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. | xxxx |  |  |  | xxxx | 04/10/2025 |  |  | 1 C A |  | CA | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| 304654874 | 33155047 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 05/30/2025 |  | 2 C B |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 304654874 | 33155048 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 05/30/2025 |  | 2 C B |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 304654874 | 33155050 |  | 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 $200.00 exceeds tolerance of $177.00 plus 10% or $194.70. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 05/30/2025 |  | 2 C B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304654874 | 33155051 |  | 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 $129.25 exceeds tolerance of $100.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 05/30/2025 |  | 2 C B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304654874 | 33155052 |  | 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 Tax Service Fee (Life Of Loan). Fee Amount of $327.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 05/30/2025 |  | 2 C B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304665303 | 33151972 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304665303 | 33151976 |  | 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 $590.00 exceeds tolerance of $580.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/01/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304665303 | 33151977 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 05/21/2025 |  | 2 C B |  | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 304665303 | 33151978 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 05/21/2025 |  | 2 C B |  | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 304680564 | 33180663 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 05/23/2025 |  | 2 C B |  | FL | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 304680564 | 33180664 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 05/23/2025 |  | 2 C B |  | FL | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 304680564 | 33180666 |  | 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 $97.52 exceeds tolerance of $64.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/03/2025 |  | 1 A |  | FL | Second Home | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304680564 | 33185020 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 05/21/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 304665301 | 33182528 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | OK | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304665301 | 33182530 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | OK | Primary | Purchase | No obvious cure B A | Non QM | Non QM | No |
| 304665301 | 33182531 |  | 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 $275.50 exceeds tolerance of $250.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/03/2025 |  | 1 A |  | OK | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304665301 | 33187121 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Good credit history over 9 months in reserves | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 04/03/2025 | 2 B |  | OK | Primary | Purchase | B A | Non QM | Non QM | No |
| 304641239 | 33182417 |  | 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. | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Non QM | No |
| 304641239 | 33205533 |  | 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 $385.00 exceeds tolerance of $323.00 plus 10% or $355.30. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/08/2025 |  | 1 A |  | NY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304641239 | 33205534 |  | 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 $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/08/2025 |  | 1 A |  | NY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304641239 | 33205535 |  | 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 $95.00 exceeds tolerance of $65.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/08/2025 |  | 1 A |  | NY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304641239 | 33205536 |  | 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 $10,010.10 exceeds tolerance of $9,720.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/08/2025 |  | 1 A |  | NY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304643365 | 33182599 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) 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 the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Excellent credit, Low ratios, 60% equity | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 04/04/2025 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304643365 | 33182625 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/24/2025 |  |  | 1 C A |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 304643365 | 33182626 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/24/2025 |  |  | 1 C A |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 304643365 | 33182628 |  | 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 $923.00 exceeds tolerance of $560.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/03/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304643365 | 33182629 |  | 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 $88.00 exceeds tolerance of $78.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/03/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304667721 | 33197360 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304667721 | 33197385 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/24/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 304667721 | 33197386 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/24/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 304632450 | 33205125 |  | Credit | Business Purpose | General | Business Purpose | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Debt Service Coverage Ratio: 1.51<br> Guideline Requirement: 1.00<br>Guidelines Representative FICO: 680<br> Representative FICO: 763 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 02/26/2025 | 2 C B |  | MI | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 304632450 | 33205126 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lease agreement reflects a non profit corporate tenant Coalition on Temporary Shelter as transitional housing. Exception approval is found on UW Narrative. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Debt Service Coverage Ratio: 1.51<br> Guideline Requirement: 1.00<br>Guidelines Representative FICO: 680<br> Representative FICO: 763 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 02/26/2025 | 2 C B |  | MI | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 304632450 | 33205127 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 03/18/2025 |  |  | 1 C A D |  | MI | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 304654916 | 33217264 |  | 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 $990.00 exceeds tolerance of $640.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 04/09/2025 |  | 1 A |  | VT | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304643473 | 33248112 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $xxxx (2025). FNMA Finance Charge total $xxxx on a Original Loan Amount of $xxxx vs. an allowable total of $xxxx and $xxxx (2025) (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | GA | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | N/A | N/A | Yes |
| 304643473 | 33248114 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 04/16/2025 |  |  | 1 C A |  | GA | Investment | Purchase | C B A | N/A | N/A | No |
| 304685766 | 33303564 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $xxxx (2025). FNMA Finance Charge total $xxxx on a Original Loan Amount of $xxxx vs. an allowable total of $xxxx and $xxxx (2025) (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | N/A | N/A | Yes |
| 304684616 | 33322105 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NV | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304684616 | 33322107 |  | 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 $286.00 exceeds tolerance of $86.00 plus 10% or $94.60. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 05/15/2025 |  | 2 C B |  | NV | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304684616 | 33322108 |  | 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 $170.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 05/15/2025 |  | 2 C B |  | NV | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304510480 | 33328777 |  | Credit | Missing Document | General | Missing Document | Missing Document: Appraisal Transfer Letter not provided |  | xxxx |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | MO | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304685308 | 33359078 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-2,430.48 exceeds tolerance of $-2,548.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 05/07/2025 |  |  | 1 C A |  | CO | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304687287 | 33367125 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $xxxx (2025). FNMA Finance Charge total $xxxx on a Original Loan Amount of $xxxx vs. an allowable total of $xxxx and $xxxx (2025) (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | NY | Investment | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304680597 | 33382690 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304680597 | 33382693 |  | 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 $6,966.00 exceeds tolerance of $6,853.50. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 05/06/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304680597 | 33382694 |  | 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 $92.70 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 05/05/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304680597 | 33382695 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx |  |  |  | xxxx |  | 06/27/2025 |  | 2 C B |  | FL | 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 | Non QM | Non QM | Yes |
| 304687207 | 33399907 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | xxxx |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304687207 | 33399918 |  | 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/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. | xxxx |  |  |  | xxxx |  | 06/09/2025 |  | 2 C B |  | CA | 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 | Non QM | Non QM | Yes |
| 304687207 | 33399919 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | xxxx |  |  |  | xxxx |  | 06/09/2025 |  | 2 C B |  | CA | 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 | Non QM | Non QM | Yes |
| 304687207 | 33417446 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304682497 | 33410157 |  | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. |  | xxxx | 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. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 04/01/2025 | 2 B |  | MD | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304688549 | 33440374 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304688549 | 33440577 |  | 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 $595.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/12/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304688549 | 33440578 |  | 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 $4,675.00 exceeds tolerance of $4,414.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/12/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304688549 | 33441513 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 07/01/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 304688549 | 33441514 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 07/01/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 304688549 | 33441515 |  | 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 Copy/Rush Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/12/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304698168 | 33455492 |  | 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 $980.00 exceeds tolerance of $505.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 06/04/2025 |  | 2 C B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304698168 | 33559734 |  | 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 $700.00 exceeds tolerance of $125.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 07/09/2025 |  | 2 B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304643520 | 33436877 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Mortgage with xxxx #xxxx reflects a balance of $xxxx but has not reported since 06/22/2022. Need proof mortgage has been paid off. If loan is not paid off, need updated VOM as of 02/2025. |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 304666687 | 33437010 |  | 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. |  | xxxx |  |  |  | xxxx | 04/09/2025 |  |  | 1 B A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304666687 | 33437012 |  | 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. | xxxx |  |  |  | xxxx | 04/28/2025 |  |  | 1 B A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304666687 | 33437013 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure xx/xx/xxxx on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | xxxx |  |  |  | xxxx | 04/15/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 304666687 | 33437014 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | VOR incomplete. Provide acceptable VOR for xxxx. VOR in file does not include creditor name. |  |  |  | xxxx | 04/15/2025 |  |  | 1 A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304666687 | 33437015 |  | 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. |  |  |  |  | xxxx |  |  | 04/28/2025 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304674475 | 33437040 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | xxxx | 04/15/2025 |  |  | 1 D A |  | FL | Primary | Purchase | D A | Non QM | Non QM | No |
| 304393227 | 33437332 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | One of the guarantors has an unspecified criminal offense. Provide verification that this does not pertain to any type of financial fraud. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | FICO 714 | SitusAMC<br>Originator,Aggregator,SitusAMC | xxxx |  |  | 04/01/2025 | 2 C B |  | CA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 304393227 | 33437333 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 11/08/2024 |  |  | 1 C A D |  | CA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 304393227 | 33437335 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx |  |  |  | xxxx | 05/09/2025 |  |  | 1 A |  | CA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 304685226 | 33446656 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | VA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304685226 | 33446660 |  | 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 $2,246.16 exceeds tolerance of $986.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 06/03/2025 |  | 2 C B |  | VA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304688551 | 33446913 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) |  |  |  |  | xxxx | 05/16/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304688551 | 33446914 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | xxxx | 05/16/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304688551 | 33446915 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | xxxx | 05/16/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304688551 | 33446916 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. |  |  |  |  | xxxx | 05/16/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304688551 | 33446917 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. |  |  |  |  | xxxx | 05/16/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Rate/Term | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| 304688551 | 33446918 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. |  |  |  |  | xxxx | 05/16/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304688551 | 33446919 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx |  |  |  | 2 B |  | GA | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304688551 | 33446922 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) Georgia High-Cost Loan (Counseling Requirement) | Georgia High-Cost Loan: No evidence that borrower received counseling on the advisability of the loan transaction. |  |  |  |  | xxxx | 06/25/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Rate/Term | See any available cure under the Georgia High Cost Loan threshold exception. B A | Non QM | Non QM | No |
| 304688551 | 33446923 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Georgia High-Cost Loan (Fair Lending Notice Not on Note and/or Security Instrument) | Georgia High-Cost Loan: Required GFLA Notice is not displayed on all documents that create a debt or pledge property as collateral. |  |  |  |  | xxxx | 06/25/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Rate/Term | See any available cure under the Georgia High Cost Loan threshold exception. B A | Non QM | Non QM | No |
| 304688551 | 33446924 |  | Compliance | Compliance | State Compliance | State Defect | Georgia HCL Tangible Net Benefit Testing | Georgia High-Cost Loan: Unable to determine if home loan was refinanced within five (5) years of prior loan without a tangible net benefit to the borrower due to missing prior loan information. |  |  |  |  | xxxx | 06/25/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Rate/Term | See any available cure under the Georgia Covered Loan threshold exception. B A | Non QM | Non QM | No |
| 304688551 | 33446925 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Georgia High-Cost Loan (Points and Fees) | Georgia Fair Lending Act: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High-Cost Loans. |  |  |  |  | xxxx |  | 06/25/2025 |  | 2 C B |  | GA | Primary | Refinance - Rate/Term | Within 90 days of loan closing and prior to receiving notice from the borrower: (a) offer restitution and make appropriate adjustments; or (b) to correct failure related to financing of insurance, make appropriate restitution by returning premiums paid plus interest charged on the premiums upon receipt of the notice of compliance failure.<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 90 days of discovery, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the high-cost threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Non QM | Non QM | Yes |
| 304688551 | 33446971 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304688551 | 33449381 |  | 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 $615.00 exceeds tolerance of $515.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/13/2025 |  | 1 A |  | GA | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304688551 | 33449382 |  | 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 $528.00 exceeds tolerance of $525.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/13/2025 |  | 1 A |  | GA | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304695095 | 33446234 |  | 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 $200.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 05/19/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304688308 | 33453408 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304688308 | 33453412 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | xxxx |  |  |  | xxxx | 06/02/2025 |  |  | 1 A |  | TX | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| 304688308 | 33453413 |  | 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 $1,074.40 exceeds tolerance of $880.00 plus 10% or $968.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 06/02/2025 |  |  | 1 C A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304688308 | 33453414 |  | 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. | xxxx |  |  |  | xxxx | 05/22/2025 |  |  | 1 C A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304688308 | 33546915 |  | 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. |  |  |  |  | xxxx |  | 06/02/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304700943 | 33453313 |  | 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. | xxxx |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304700943 | 33453636 |  | 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. |  |  |  |  | xxxx |  | 05/14/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304705670 | 33511260 |  | 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 $1,425.00 exceeds tolerance of $1,320.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 05/23/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304694161 | 33509879 |  | 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 $79.50 exceeds tolerance of $74.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 05/23/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304697048 | 33514564 |  | 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 $675.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 05/23/2025 |  | 1 A |  | MI | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304698301 | 33514399 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | xxxx | 07/07/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304698301 | 33514400 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 07/07/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304698301 | 33514403 |  | 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 $2,400.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 06/26/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304698301 | 33514404 |  | 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 $376.00 exceeds tolerance of $100.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 07/17/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304705476 | 33517537 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | TN | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304705476 | 33517540 |  | 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 $710.00 exceeds tolerance of $650.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 06/02/2025 |  |  | 1 C A |  | TN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304705476 | 33517541 |  | 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 $404.28 exceeds tolerance of $334.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 06/02/2025 |  |  | 1 C A |  | TN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304705476 | 33517545 |  | 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. | xxxx |  |  |  |  |  |  |  | 2 B |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304705476 | 33547478 |  | 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 $710.00 exceeds tolerance of $650.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 06/02/2025 |  | 1 A |  | TN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304705476 | 33547479 |  | 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 $404.28 exceeds tolerance of $334.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 06/02/2025 |  | 1 A |  | TN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304704847 | 33526774 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 06/01/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304704847 | 33526778 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 06/01/2025 |  |  | 1 B A C |  | PA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 304704847 | 33526779 |  | 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. | xxxx |  |  |  | xxxx | 06/01/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304700347 | 33518614 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | xxxx |  |  |  | xxxx | 06/04/2025 |  |  | 1 D A |  | NC | Primary | Refinance - Cash-out - Other | D A | Non QM | Non QM | No |
| 304700936 | 33518904 |  | 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 $188.00 exceeds tolerance of $94.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 07/14/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304702306 | 33528199 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | 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 has verified disposable income of at least $2500.00. | Borrower has been with current employer for 6 years. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 06/16/2025 | 2 C B |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304702306 | 33528292 |  | 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 $795.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/28/2025 |  | 1 A |  | WA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304700939 | 33526827 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304700939 | 33526830 |  | 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 $102.65 exceeds tolerance of $95.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 05/28/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304694178 | 33526936 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304707906 | 33527318 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304699133 | 33534014 |  | 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 $165.50 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/29/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304695750 | 33535009 |  | 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 $238.00 plus 10% or $261.80. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/29/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304695750 | 33535010 |  | 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 $695.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/29/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304695750 | 33535011 |  | 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 $168.75 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/29/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304700640 | 33535071 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304688310 | 33533810 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 06/02/2025 |  |  | 1 C A |  | WI | Primary | Purchase | D B A | Non QM | Non QM | No |
| 304688310 | 33533845 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  |  |  |  |  | xxxx | 06/05/2025 |  |  | 1 D A |  | WI | Primary | Purchase | D B A | Non QM | Non QM | No |
| 304688310 | 33533869 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | WI | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D B A | Non QM | Non QM | Yes |
| 304700222 | 33537537 |  | 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 $377.00 exceeds tolerance of $310.00 plus 10% or $341.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/29/2025 |  | 1 A |  | FL | Investment | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304699531 | 33534678 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. |  | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 31.68517% DTI | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 06/10/2025 | 2 C B |  | LA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304699531 | 33534715 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | LA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304699531 | 33534718 |  | 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 $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/29/2025 |  | 1 A |  | LA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304701057 | 33541007 |  | 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 Review Fee. Fee Amount of $120.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 06/09/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304705758 | 33539708 |  | 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/xxxx 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/xxxx). The disclosed Total of Payments in the amount of $xxxx is under disclosed by $xxxx compared to the calculated total of payments of $xxxx which exceeds the $100.00 threshold. | xxxx |  |  |  | xxxx |  | 06/16/2025 |  | 2 C B |  | NJ | 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 (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 304695745 | 33543208 |  | 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 $700.00 exceeds tolerance of $695.00. Sufficient or excess cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 05/30/2025 |  | 1 A |  | MI | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | Non QM | Non QM | Yes |
| 304695745 | 33543209 |  | 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 $272.80 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 05/30/2025 |  | 1 A |  | MI | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | Non QM | Non QM | Yes |
| 304707672 | 33547191 |  | 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. | xxxx |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304692194 | 33547425 |  | 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. | xxxx |  |  |  | xxxx | 06/05/2025 |  |  | 1 C A |  | GA | Second Home | Purchase | No Defined Cure A | Non QM | Non QM | No |
| 304710913 | 33547722 |  | 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. | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | B A | Non QM | Non QM | No |
| 304695027 | 33561922 |  | 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/xxxx 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. | xxxx |  |  |  | xxxx | 06/09/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304695027 | 33561941 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within 10 business days of the Note. |  | xxxx |  |  |  | xxxx | 06/05/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304695027 | 33561945 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 06/05/2025 |  |  | 1 B A C |  | WA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 304695027 | 33561946 |  | 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. | xxxx |  |  |  | xxxx | 06/05/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304699612 | 33569111 |  | 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 $224.00 exceeds tolerance of $138.00 plus 10% or $151.80. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 06/03/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A B | Non QM | Higher Priced QM (APOR) | Yes |
| 304699612 | 33569113 |  | 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 $454.00 exceeds tolerance of $291.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 06/03/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A B | Non QM | Higher Priced QM (APOR) | Yes |
| 304699612 | 34264458 |  | 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). | xxxx |  |  |  |  |  |  |  | 2 A B |  | TX | Primary | Purchase | A B | Non QM | Higher Priced QM (APOR) | No |
| 304705703 | 33561725 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 06/19/2025 |  | 2 C B |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Safe Harbor QM (APOR) | Yes |
| 304705703 | 33561726 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 06/19/2025 |  | 2 C B |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Safe Harbor QM (APOR) | Yes |
| 304705703 | 33561727 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-6,168.00 exceeds tolerance of $-6,554.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 06/13/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Safe Harbor QM (APOR) | Yes |
| 304705703 | 33561728 |  | 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 $619.95 exceeds tolerance of $450.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 06/19/2025 |  | 2 C B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Safe Harbor QM (APOR) | Yes |
| 304705703 | 33561729 |  | 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 Copy/Rush Fee. Fee Amount of $205.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 06/13/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Safe Harbor QM (APOR) | Yes |
| 304705703 | 34264426 |  | 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 Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | CA | Primary | Purchase | C B A | Non QM | Safe Harbor QM (APOR) | No |
| 304688300 | 33560764 |  | Compliance | Compliance | State Compliance | Misc. State Level | Michigan CMPA Home Loan Toolkit Status | Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower. |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304688300 | 33560765 |  | 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 $518.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 06/05/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304688300 | 33568370 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing evidence of the $xxxx loan with a payment of $xxxx/month. Supporting documentation was not provided. |  |  |  | xxxx | 06/04/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304695756 | 33561887 |  | 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 $8,746.31 exceeds tolerance of $6,994.51. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 06/09/2025 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304709713 | 33560383 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304709713 | 33560571 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 06/23/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304709713 | 33560578 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 06/23/2025 |  |  | 1 B A C |  | NJ | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 304709713 | 33560579 |  | 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. | xxxx |  |  |  | xxxx | 06/23/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304709713 | 33569238 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | xxxx |  |  |  | xxxx | 07/28/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304682492 | 33558204 |  | Credit | Collateral | Missing/Incorrect | Collateral | Missing document: Lease on leasehold property is not in file |  | xxxx |  |  |  | xxxx | 05/12/2025 |  |  | 1 C A |  | MD | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304695635 | 33558520 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | xxxx |  |  |  | xxxx | 05/13/2025 |  |  | 1 D A |  | LA | Investment | Purchase | D A |  | N/A | No |
| 304710724 | 33575201 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 06/19/2025 |  | 2 C B |  | UT | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 304710724 | 33575202 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 06/19/2025 |  | 2 C B |  | UT | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 304702319 | 33570505 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304702319 | 33570508 |  | 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 $391.65 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 06/18/2025 |  | 2 C B |  | MI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304720435 | 33648500 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304720437 | 33623325 |  | Credit | Guideline | Guideline Issue | Guideline | More than 3 NSFs/Overdraft Transfers occurred in the most recent 12-month period. |  | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 7.258855 DTI | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 06/17/2025 | 2 C B |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304720401 | 33654619 |  | 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 $235.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 06/13/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304720410 | 33578872 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | 25.66013% DTI | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 06/06/2025 | 2 B |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| 304720408 | 33616222 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NV | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304720408 | 33623329 |  | 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: ___ | xxxx |  |  |  |  |  |  |  | 2 A B |  | NV | Primary | Purchase | B A | Non QM | Non QM | No |
| 304720433 | 33617153 |  | 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 $50.50 exceeds tolerance of $40.00 plus 10% or $44.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 06/10/2025 |  | 1 A |  | SC | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304720433 | 33617488 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | xxxx |  |  |  | xxxx | 06/11/2025 |  |  | 1 B A |  | SC | Primary | Purchase | B A | Non QM | Non QM | No |
| 304720449 | 33624931 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |  |  |  | xxxx | 07/15/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304720449 | 33624932 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL HPML Appraisal Not Obtained Prior to Closing Test | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not obtained prior to consummation. | xxxx |  |  |  | xxxx | 07/15/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304720449 | 33624933 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 07/15/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304720449 | 33629851 |  | 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 ___. | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Clean credit history and low ratios | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 06/18/2025 | 2 C B |  | IL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304720407 | 33649132 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $xxxx (2025). FNMA Finance Charge total $xxxx on a Original Loan Amount of $xxxx vs. an allowable total of $xxxx and $xxxx (2025) (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Investment | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | N/A | N/A | Yes |
| 304720405 | 33626381 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304720405 | 33626390 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | xxxx |  |  |  | xxxx | 07/16/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| 304720405 | 33626392 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. | xxxx |  |  |  | xxxx | 07/16/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304720405 | 33626395 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | xxxx |  |  |  | xxxx | 07/16/2025 |  |  | 1 A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304720405 | 33628875 |  | 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 ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Good credit and employment history. Low ratios | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 06/18/2025 | 2 C B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304720477 | 33605530 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | LA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304720425 | 33615570 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | HI | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304720429 | 33582652 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $xxxx (2025). FNMA Finance Charge total $xxxx on a Original Loan Amount of $xxxx vs. an allowable total of $xxxx and $xxxx (2025) (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | CT | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | N/A | N/A | Yes |
| 304720488 | 33578525 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | xxxx |  |  |  | xxxx | 06/09/2025 |  |  | 1 D A |  | FL | Primary | Purchase | D A | Non QM | Non QM | No |
| 304720474 | 34243843 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B |  | CO | Primary | Purchase | A B | Non QM | Non QM | No |
| 304720482 | 33756309 |  | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | xxxx |  |  |  | xxxx | 06/27/2025 |  |  | 1 C A |  | SC | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304720482 | 33756328 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | SC | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304720455 | 33612852 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304720455 | 33617103 |  | 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 $95.20 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 06/10/2025 |  | 1 A |  | MI | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304720500 | 33579494 |  | 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 $515.00 exceeds tolerance of $410.00 plus 10% or $451.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 06/05/2025 |  | 1 A |  | LA | Investment | Purchase | Final CD evidences Cure A | N/A | N/A | Yes |
| 304720396 | 33674703 |  | 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/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. | xxxx |  |  |  | xxxx |  | 07/09/2025 |  | 2 C B |  | CA | 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 | Non QM | Non QM | Yes |
| 304720396 | 33674704 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | xxxx |  |  |  | xxxx |  | 07/09/2025 |  | 2 C B |  | CA | 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 | Non QM | Non QM | Yes |
| 304720496 | 33625135 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304720426 | 33683234 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304720426 | 33683236 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | xxxx |  |  |  | xxxx | 07/15/2025 |  |  | 1 A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304720426 | 33683266 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | xxxx |  |  |  | xxxx | 07/15/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| 304720426 | 33683267 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. | xxxx |  |  |  | xxxx | 07/15/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304720412 | 33631814 |  | 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 ___. |  | 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 $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Good credit and employment history. Over 6 months reserves | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 06/18/2025 | 2 C B |  | AZ | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304720424 | 33703601 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | CA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304720416 | 33636291 |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has owned the subject property for at least 5 years. | 41.8 months reserves. | SitusAMC,Aggregator<br>SitusAMC | xxxx |  |  | 06/23/2025 | 2 C B |  | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304720416 | 33641959 |  | Credit | Guideline | Guideline Issue | Guideline | Minimum of 600 square feet of gross living area required per company guidelines. |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has owned the subject property for at least 5 years. | 41.8 months reserves. | SitusAMC,Aggregator<br>SitusAMC | xxxx |  |  | 08/19/2025 | 2 C B |  | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304720460 | 33703413 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | xxxx |  |  |  | xxxx | 06/21/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304720492 | 33636473 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | xxxx |  |  |  | xxxx | 06/13/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304702909 | 33580509 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | xxxx | 06/11/2025 |  |  | 1 D A |  | TN | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| 304702909 | 33580848 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |  |  |  | xxxx | 07/22/2025 |  |  | 1 C A |  | TN | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| 304702909 | 33580849 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |  |  |  | xxxx | 07/22/2025 |  |  | 1 C A |  | TN | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| 304702909 | 33580850 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 07/22/2025 |  |  | 1 C A |  | TN | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. D B C | Non QM | Non QM | Yes |
| 304702909 | 33580851 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (2015 Counseling Requirement) | Truth in Lending Act (HOEPA): Pre-loan counseling requirements not met. | xxxx |  |  |  | xxxx | 07/22/2025 |  |  | 1 C A |  | TN | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| 304702909 | 33580852 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 07/22/2025 |  |  | 1 B A |  | TN | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D B C A | Non QM | Non QM | Yes |
| 304702909 | 33608593 |  | 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 ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score is above 680. | 802 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 06/20/2025 | 2 C B |  | TN | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| 304702909 | 34003782 |  | Compliance | Compliance | Federal Compliance | Compliance | High Cost Indicator Test | Unable to determine if the loan contains documentation indicating the loan was originated as a high cost loan due to missing information. |  |  |  |  | xxxx | 07/22/2025 |  |  | 1 A |  | TN | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| 304678744 | 33582653 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304711718 | 33579939 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304711718 | 33579945 |  | 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. | xxxx |  |  |  | xxxx | 06/16/2025 |  |  | 1 C A |  | FL | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| 304692019 | 33579618 |  | 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. | xxxx |  |  |  |  |  |  |  | 2 B |  | WA | Primary | Purchase | B A | Non QM | Non QM | No |
| 304707945 | 33587850 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304707945 | 33587983 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304707945 | 33587985 |  | 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 $789.00 exceeds tolerance of $783.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 06/06/2025 |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304702307 | 33580385 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | xxxx | 07/02/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304701033 | 33599828 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304705667 | 33580451 |  | 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 $760.00 exceeds tolerance of $650.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 06/05/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304693401 | 33581248 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | WA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304693401 | 33581250 |  | 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 $10.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 06/05/2025 |  | 1 A |  | WA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304710674 | 33581862 |  | 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 $186.00 exceeds tolerance of $134.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 06/05/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304710674 | 33581863 |  | 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 Insurance Binder Fee. Fee Amount of $24.95 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 06/05/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304704970 | 33580361 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304700234 | 33592346 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NC | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304700234 | 33624949 |  | 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 $69.00 exceeds tolerance of $67.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 06/11/2025 |  | 1 A |  | NC | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304711713 | 33589538 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304702566 | 33588626 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | MO | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304702566 | 33588634 |  | 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 $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 06/06/2025 |  | 1 A |  | MO | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304702566 | 33588647 |  | 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. | xxxx |  |  |  | xxxx | 06/12/2025 |  |  | 1 C A |  | MO | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| 304705671 | 33591155 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | WA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304707072 | 33599355 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception has been requested and approved for the appraisal transfer letter and paid invoice. |  |  |  | xxxx | 05/20/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304695685 | 33599414 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | xxxx | 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. | Reserves: 23.70<br> Guideline Requirement: 6.00 | SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 05/21/2025 | 2 C B |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304709036 | 33599446 |  | Credit | Credit | Credit Calculation / Analysis | Credit | Guideline Issue: Insufficient tradelines per credit guidelines |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Debt Service Coverage Ratio: 1.52<br> Guideline Requirement: 1.00<br>Guidelines Representative FICO: 680<br> Representative FICO: 724 | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 05/21/2025 | 2 B |  | OH | Investment | Purchase | B A |  | N/A | No |
| 304702318 | 33605163 |  | 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 $545.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 06/09/2025 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304705668 | 33604070 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | B A | Non QM | Non QM | No |
| 304702045 | 33617795 |  | 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 Mortgage Broker Fee. Fee Amount of $5,512.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 06/13/2025 |  |  | 1 C A |  | NM | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304707680 | 33617903 |  | 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 $795.00 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 06/10/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304712261 | 33615176 |  | 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 $158.00 exceeds tolerance of $95.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 06/10/2025 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304712261 | 33615192 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304710675 | 33617174 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) 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 the guideline maximum by at least 10%. | 785 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 06/10/2025 | 2 B |  | TN | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304710675 | 33617325 |  | 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. | xxxx |  |  |  |  |  |  |  | 2 B |  | TN | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304710675 | 33617392 |  | 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 $950.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 06/10/2025 |  | 1 A |  | TN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304710675 | 33617393 |  | 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 $270.25 exceeds tolerance of $95.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 06/10/2025 |  | 1 A |  | TN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304710675 | 33617394 |  | 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 $2,688.70 exceeds tolerance of $2,299.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 06/10/2025 |  | 1 A |  | TN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304719435 | 33615927 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304709712 | 33617727 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D B A C | Non QM | Non QM | Yes |
| 304709712 | 33617797 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-55.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 06/16/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304709712 | 33617798 |  | 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 $1,011.24 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 06/16/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304709712 | 33617808 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | xxxx |  |  |  | xxxx | 06/12/2025 |  |  | 1 D A |  | NJ | Primary | Purchase | D B A C | Non QM | Non QM | No |
| 304708845 | 33624987 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | AR | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304708845 | 33625004 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | xxxx |  |  |  |  |  |  |  | 2 B |  | AR | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304708845 | 33626631 |  | Credit | Guideline | Guideline Issue | Guideline | The property site acres is greater than 10 acres which does not meet guidelines. |  | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 17.09683% DTI | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 06/13/2025 | 2 C B |  | AR | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304707173 | 33625665 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | OH | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304707173 | 33626237 |  | 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. | xxxx |  |  |  | xxxx | 06/16/2025 |  |  | 1 C A |  | OH | Primary | Refinance - Rate/Term | No Defined Cure B A | Non QM | Non QM | No |
| 304715496 | 33625909 |  | 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 $134.00 exceeds tolerance of $60.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 06/11/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304716869 | 33635578 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304726667 | 33635004 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304726667 | 33635007 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |  |  |  | xxxx | 06/16/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304726667 | 33635008 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |  |  |  | xxxx | 06/16/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304726667 | 33635009 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 06/16/2025 |  |  | 1 C A |  | PA | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| 304726667 | 33635010 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |  |  |  | xxxx | 06/16/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304726667 | 33635011 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304726667 | 33636286 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304716629 | 33634945 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | UT | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304721833 | 33654258 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304721833 | 33655914 |  | 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 $3,630.00 exceeds tolerance of $3,403.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 06/13/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304704969 | 33650381 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | FL | Second Home | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| 304722381 | 33661559 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | CO | Primary | Purchase | B A | Non QM | Non QM | No |
| 304705762 | 33661602 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304705762 | 33661605 |  | 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 Loan Discount Points. Fee Amount of $3,010.50 exceeds tolerance of $2,841.75. Sufficient or excess cure was provided to the borrower. |  |  |  |  | xxxx |  | 06/16/2025 |  | 1 A |  | AZ | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | Yes |
| 304699599 | 33660777 |  | 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 $100.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 06/16/2025 |  | 1 A |  | OR | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304699599 | 33660790 |  | 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. | xxxx |  |  |  |  |  |  |  | 2 B |  | OR | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304710713 | 34264437 |  | 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 Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | VA | Primary | Purchase | A B | Non QM | Safe Harbor QM (APOR) | No |
| 304722390 | 33673976 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Second Home | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304722390 | 33674802 |  | 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 $1,408.00 exceeds tolerance of $1,390.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 06/17/2025 |  | 1 A |  | FL | Second Home | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304715506 | 33674708 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | IN | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304707686 | 33674571 |  | 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/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| 304707686 | 33674576 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| 304707897 | 33684558 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx |  |  |  | xxxx | 06/18/2025 |  |  | 1 C A |  | TN | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304707897 | 33684630 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of xxxx% is equal to or greater than the threshold of xxxx%. | xxxx |  |  |  | xxxx | 07/22/2025 |  |  | 1 C A |  | TN | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304707897 | 33685785 |  | 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 Non QM. | xxxx |  |  |  | xxxx | 07/22/2025 |  |  | 1 B A C |  | TN | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 304707897 | 34005471 |  | 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. | xxxx |  |  |  |  |  |  |  | 2 A B |  | TN | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304702288 | 33685874 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304711632 | 33684438 |  | 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 $113.75 exceeds tolerance of $113.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 06/18/2025 |  | 1 A |  | NJ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304711632 | 33684439 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx |  |  |  | xxxx |  | 06/27/2025 |  | 2 C B |  | NJ | 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 | Non QM | Non QM | Yes |
| 304663387 | 33679201 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | 2023 Schedule E Noted Business xxxx, xxxx and xxxx with Passive loss (not mentioned Passive carried forward loss), however no documentation like K-1 provided to confirm Borrower ownership. Require K-1 and 1065 (if Ownership is 25 or more than 25%). Lender omitted these losses with no rationale provided. |  |  |  | xxxx | 05/01/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Rate/Term | C A B | Non QM | Non QM | No |
| 304663387 | 33679202 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations: F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? reflects Yes. Missing documented and/or does not meet guideline requirements. |  | xxxx |  |  |  | xxxx | 04/22/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Rate/Term | C A B | Non QM | Non QM | No |
| 304663387 | 33679203 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | xxxx |  |  |  | xxxx | 04/18/2025 |  |  | 1 B A |  | CO | Primary | Refinance - Rate/Term | C A B | Non QM | Non QM | No |
| 304663387 | 33679205 |  | 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 $950.00 exceeds tolerance of $675.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/11/2025 |  | 1 A |  | CO | Primary | Refinance - Rate/Term | Final CD evidences Cure A B | Non QM | Non QM | Yes |
| 304663387 | 33679207 |  | 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. | xxxx |  |  |  | xxxx | 04/18/2025 |  |  | 1 B A |  | CO | Primary | Refinance - Rate/Term | C A B | Non QM | Non QM | No |
| 304642529 | 33679879 |  | Credit | Guideline | Guideline Issue | Guideline | Note has a Prepayment Penalty provision, which is not allowable per guidelines. |  | xxxx |  |  |  | xxxx | 04/30/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C B A |  | N/A | No |
| 304642529 | 33679880 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 05/05/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C B A |  | N/A | No |
| 304642529 | 33679881 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Require supporting documentation to verify HOA $xxxx/ month used on CD/Application. |  |  |  | xxxx | 05/02/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C B A |  | N/A | No |
| 304642529 | 33679884 |  | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  |  |  |  |  | xxxx |  |  | 04/18/2025 | 2 B |  | NY | Investment | Purchase | C B A |  | N/A | No |
| 304693207 | 33684976 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject is a refinance >6 months seasoning with lease in place however, appraisal indicates subject is vacant. Require copies of security deposit receipt and rent checks. |  |  |  | xxxx | 05/02/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304724766 | 33705228 |  | 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/xxxx 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. | xxxx |  |  |  | xxxx | 06/25/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Safe Harbor QM (APOR) | No |
| 304724766 | 34264447 |  | 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 Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | CA | Primary | Purchase | C B A | Non QM | Safe Harbor QM (APOR) | No |
| 304711623 | 33722836 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304711623 | 33722906 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Massachusetts High-Cost Loan (Aggregate Amount Disclosure Not Provided) | Massachusetts High-Cost Loan: Aggregate Amount Disclosure not provided to borrower. | xxxx |  |  |  | xxxx | 06/25/2025 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | See any available cure under the Massachusetts High Cost Loan threshold exception. B A | Non QM | Non QM | No |
| 304711623 | 33723218 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |  |  |  | xxxx | 06/25/2025 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304711623 | 33723219 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |  |  |  | xxxx | 06/25/2025 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304711623 | 33723220 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 06/25/2025 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| 304711623 | 33723221 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |  |  |  | xxxx | 06/25/2025 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304711623 | 33723222 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | State Defect | (State High Cost Disclosure) Massachusetts High-Cost Loan (High Cost Disclosure Not Provided) | Massachusetts High-Cost Loan: HOEPA disclosure was not provided to the Borrower. | xxxx |  |  |  | xxxx | 06/25/2025 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | See any available cure under the Massachusetts High Cost Loan threshold exception. B A | Non QM | Non QM | No |
| 304711623 | 33723223 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | State Defect | (State High Cost Provision) Massachusetts High-Cost Loan (Financed Fees Exceeds Threshold) | Massachusetts High-Cost Loan: Mortgage loan financed Points and Fees. | xxxx |  |  |  | xxxx | 06/25/2025 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | See any available cure under the Massachusetts High Cost Loan threshold exception. B A | Non QM | Non QM | No |
| 304711623 | 33723224 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | State Defect | (State High Cost Provision) Massachusetts High-Cost Loan (Loan Exceeds High Cost Thresholds and failed One or More Federal HOEPA Provisions Making Loan a Non-Compliant MA High Cost Loan - Refer to HOEPA section for stipulation details) | Massachusetts High-Cost Loan: Federal HOEPA Violation. Refer to HOEPA section for stipulation details. | xxxx |  |  |  | xxxx | 06/25/2025 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | See any available cure under the Massachusetts High Cost Loan threshold exception. B A | Non QM | Non QM | No |
| 304711623 | 33723225 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Massachusetts High-Cost Loan (Points and Fees) | Massachusetts Predatory Home Loan Practices Act and Regulations (2015): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 06/25/2025 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | < 10/1/02 (Note Date):<br> No obvious cure.<br>>= 10/1/02 (Note Date) and < 1/2/15 (Application Date)<br> Within 30 days of closing and prior to institution of action under the Act, (1) notify the borrower, (2) make appropriate restitution and necessary adjustments, at the choice of the borrower to (a) make the high cost loan satisfy the requirements or (b) change the terms of the loan in a manner beneficial to the borrower so the loan will not longer be considered high cost.<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 60 days of discovery, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (5) If option 4(a) is selected, copy of refund check and proof of mailing; (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place.<br>>= 1/2/15 (Application Date)<br> Within 30 days of closing or 60 days of discovery, (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing (must be in transit with courier); (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | Non QM | Non QM | Yes |
| 304711623 | 33723226 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Massachusetts High-Cost Loan (Points and Fees) | Massachusetts Predatory Home Loan Practices Act and Regulations: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of the greater of 5.00000% of the Total Loan Amount and $xxxx (2025). Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx and $xxxx (2025) (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 06/25/2025 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | "Within 30 days of closing, and before any notice from borrower of compliance failure, provide: (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted.<br>(Narrow Defense - CHD Approval Required) Within 60 days of discovery, and prior to lender receiving any notice from borrower of the compliance failure, provide: (1) Lender Attestation to AMC attesting (i) the failure was not intentional and was a bona fide error notwithstanding procedures in place to prevent such loans from being made and (ii) the lender has not received any notice from borrower of the failure; (2) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (3) Assuming option (a) is selected, a copy of refund check and proof of mailing; (4) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted." B | Non QM | Non QM | Yes |
| 304721826 | 33724141 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Social Security Award Letter/ Continuance letter was not provided. |  |  |  | xxxx | 06/25/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304721826 | 33724171 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 06/25/2025 |  |  | 1 B A C |  | AZ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 304721826 | 33724172 |  | 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. | xxxx |  |  |  | xxxx | 06/25/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304681134 | 33730948 |  | 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 $1,237.50 exceeds tolerance of $1,199.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 06/24/2025 |  | 1 A |  | FL | Investment | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304722403 | 33732359 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | SC | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304715559 | 33732402 |  | 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. | xxxx |  |  |  | xxxx | 06/27/2025 |  |  | 1 C A |  | NC | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| 304724717 | 33731062 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304724717 | 33731064 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New York High-Cost Loan (Aggregate Payment Disclosure Not Provided) | New York High-Cost Loan: Borrower not provided with Aggregate Monthly Payment Disclosure statement. | xxxx |  |  |  | xxxx | 08/13/2025 |  |  | 1 C A |  | NY | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No |
| 304724717 | 33731065 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New York High-Cost Loan (Consumer Caution and Home Ownership Counseling Notice Not Provided) | New York High-Cost Loan: Borrower not provided with Consumer Caution and Home Ownership Counseling Notice. | xxxx |  |  |  | xxxx | 08/13/2025 |  |  | 1 C A |  | NY | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No |
| 304724717 | 33731066 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New York High-Cost Loan (Counseling Disclosure Not Provided) | New York High-Cost Loan: Counseling Disclosure not provided to borrower. | xxxx |  |  |  | xxxx | 08/13/2025 |  |  | 1 C A |  | NY | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No |
| 304724717 | 33731067 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New York High-Cost Loan (High Cost Legend Not on Mortgage) | New York High-Cost Loan: Mortgage does not contain legend advising loan is high-cost. | xxxx |  |  |  | xxxx | 08/13/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304724717 | 33731068 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New York High-Cost Loan (Shop Around Notice Not on Loan Application) | New York High-Cost Loan: Mandatory "Shop Around" Notice not included on loan application to applicant. | xxxx |  |  |  | xxxx | 08/13/2025 |  |  | 1 C A |  | NY | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No |
| 304724717 | 33731069 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New York High-Cost Loan (Disclosure of Taxes and Insurance Not Provided) | New York High-Cost Loan: Disclosure of Taxes and Insurance not provided to borrower. | xxxx |  |  |  | xxxx | 08/13/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304724717 | 33731074 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) New York High-Cost Loan (Points and Fees) | New York Anti-Predatory Lending Statute: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 08/13/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Within 30 days of closing, provide: (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing (must be in transit with courier); (3) Assuming option (b) is selected, proof of cure for each of the prohibited practice violations noted.<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 60 days of discovery, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (5) If option 4(a) is selected, copy of refund check and proof of mailing; (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Non QM | Non QM | Yes |
| 304716592 | 33732631 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304716592 | 33732634 |  | 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 $4,140.60 exceeds tolerance of $3,465.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 06/27/2025 |  |  | 1 C A |  | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304725171 | 33733005 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304725177 | 33757568 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | xxxx |  |  |  | xxxx | 06/26/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304712260 | 33755627 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304686597 | 33757203 |  | 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. | xxxx |  |  |  | xxxx | 06/27/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | No Defined Cure B A | Non QM | Non QM | No |
| 304686597 | 33757204 |  | 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 $3,966.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 06/25/2025 |  | 1 A |  | FL | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304686597 | 33757252 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304510430 | 33734180 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | HOA project is involved in litigation. |  | xxxx | 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. | Guidelines Representative FICO: 720<br> Representative FICO: 796<br>Reserves: 132.17<br> Guideline Requirement: 9.00 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 05/15/2025 | 2 C B |  | GA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304510430 | 33734181 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Appraisal transfer letter is provided. Exception approval for the transferred appraisal is found on UW Narrative. |  |  |  | xxxx | 02/24/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304510430 | 33734182 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | xxxx |  |  |  | xxxx | 02/24/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304510430 | 33734184 |  | Credit | Business Purpose | General | Business Purpose | Insurance Policy Expiration Date is less than 30 days from the Note Date and does not have automatic renewal. |  | xxxx |  |  |  | xxxx | 03/04/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304510431 | 33734185 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Appraisal transfer letter is provided. Exception approval for the transferred appraisal is found on UW Narrative. |  |  |  | xxxx | 02/24/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304510431 | 33734187 |  | Credit | Insurance | Insurance Documentation | Insurance | Insurance Policy Expiration Date is less than 30 days of the Note Date and does not have automatic renewal. |  | xxxx |  |  |  | xxxx | 02/28/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304510431 | 33734188 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | HOA project is involved in litigation. |  | xxxx | 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. | Guidelines Representative FICO: 720<br> Representative FICO: 796<br>Reserves: 132.17<br> Guideline Requirement: 9.00 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 05/15/2025 | 2 C B |  | GA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304510431 | 33734189 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | xxxx |  |  |  | xxxx | 02/24/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304510432 | 33734201 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | xxxx |  |  |  | xxxx | 05/27/2025 |  |  | 1 D A |  | GA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| 304510432 | 33734202 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | HOA project is involved in litigation. |  | xxxx | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Debt Service Coverage Ratio: 1.54<br> Guideline Requirement: 1.00<br>Guidelines Representative FICO: 720<br> Representative FICO: 771 | SitusAMC<br>SitusAMC | xxxx |  |  | 04/08/2025 | 2 B |  | GA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| 304707077 | 33734212 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | xxxx |  |  |  | xxxx | 05/20/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304707077 | 33734213 |  | Credit | Missing Document | General | Missing Document | Missing Document: Appraisal Transfer Letter not provided |  | xxxx |  |  |  | xxxx | 05/29/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304693267 | 33734224 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Appraisal transfer letter is provided. Exception approval for non-approved AMC is found on the UW Narrative. |  |  |  | xxxx | 05/22/2025 |  |  | 1 C A |  | MO | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304693267 | 33734225 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | The DSCR of 1.40 is greater than the minimum required DSCR of 1.00. | SitusAMC<br>SitusAMC | xxxx |  |  | 05/20/2025 | 2 B |  | MO | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304693267 | 33734226 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | xxxx |  |  |  | xxxx | 05/28/2025 |  |  | 1 C A |  | MO | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304706921 | 33734237 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Appraisal transfer letter is provided. Exception approval for non-approved AMC is found on the UW Narrative. |  |  |  | xxxx | 05/27/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304693284 | 33734240 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | xxxx |  |  |  | xxxx | 05/27/2025 |  |  | 1 D A |  | OH | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 304693350 | 33734253 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit |  | xxxx | Borrower has owned the subject property for at least 5 years.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Borrower has owned the subject property for at least 5 years.<br>Debt Service Coverage Ratio: 1.73<br> Guideline Requirement: 1.20 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 05/22/2025 | 2 B |  | NY | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304708980 | 33734264 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Appraisal transfer letter is provided. Exception approval for approved AMC is found on the UW Narrative. |  |  |  | xxxx | 05/28/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| 304709031 | 33734282 |  | Credit | Business Purpose | General | Business Purpose | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx |  |  |  | xxxx | 05/27/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304682435 | 33734287 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Appraisal transfer letter is provided. Exception approval for the transferred appraisal is found on the UW Narrative and proof of paid invoice required by the exception approval is also provided. |  |  |  | xxxx | 05/27/2025 |  |  | 1 C A |  | MI | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304695743 | 33734296 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | xxxx |  |  |  | xxxx | 05/28/2025 |  |  | 1 C A |  | IL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304695743 | 33734297 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 06/03/2025 |  |  | 1 C A |  | IL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304708931 | 33734299 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 05/28/2025 |  |  | 1 C A D |  | OH | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304709006 | 33734305 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx |  |  |  | xxxx | 05/28/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 304708940 | 33734322 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Exception approval is located on the UW Narrative. Appraisal transfer letter and paid invoice required by the exception approval are provided in the file. |  |  |  | xxxx | 05/29/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| 304708940 | 33734323 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 05/29/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| 304709008 | 33734337 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Appraisal transfer letter and proof of paid invoice is provided. Exception approval for meets engagement letter is found on the UW Narrative. |  |  |  | xxxx | 05/29/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304693355 | 33734349 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | xxxx | 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. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 05/30/2025 | 2 C B |  | VA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304707014 | 33734354 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx |  |  |  | xxxx | 05/30/2025 |  |  | 1 C A |  | IN | Investment | Purchase | C A |  | N/A | No |
| 304708998 | 33734356 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on Tape. The lender exception has been requested for the credit report tradelines. Borrower exposure with 16 closed loan no Non-sufficient funds all on time pay attached in credit report. The exception has been approved with the 11 months of VOM from xxxx which reflects a good history and are acceptable to utilize as alternative credit history. Exception was approved with the compensating factors of DSCR>1.300, 20+ months of reserve. | 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. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 05/28/2025 | 2 B |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304708998 | 33734357 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 05/30/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304708998 | 33734358 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  |  |  | xxxx | 05/30/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304674657 | 33783272 |  | 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. | xxxx |  |  |  |  |  |  |  | 2 B |  | MI | Investment | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304674657 | 33783401 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $xxxx (2025). FNMA Finance Charge total $xxxx on a Original Loan Amount of $xxxx vs. an allowable total of $xxxx and $xxxx (2025) (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MI | Investment | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304674657 | 33783403 |  | 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 $137.00 exceeds tolerance of $96.00 plus 10% or $105.60. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 06/26/2025 |  | 1 A |  | MI | Investment | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304712244 | 33783660 |  | 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 $610.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 06/26/2025 |  | 1 A |  | VA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304724174 | 33785646 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | CO | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304711678 | 33796116 |  | Credit | Loan Eligibility | Guideline Issue | Loan Eligibility | Credit history reflects lates that do not meet guidelines. |  | xxxx | Borrower has owned the subject property for at least 5 years.<br>The Combined Loan to Value (CLTV) 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 the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 78.31 months reserves. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | xxxx |  |  | 06/27/2025 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304728249 | 33793053 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304728249 | 33797452 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 06/30/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304728249 | 33797479 |  | Credit | Credit | Credit Eligibility | Credit | Credit Issue: Judgments on credit/title report were not satisfied at closing per loan approval. |  | xxxx |  |  |  | xxxx | 07/02/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304712259 | 33792647 |  | 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. | xxxx |  |  |  | xxxx | 07/01/2025 |  |  | 1 C A |  | FL | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| 304712259 | 33792657 |  | 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 $100.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 07/31/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304726358 | 33793985 |  | 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 $117.51 exceeds tolerance of $75.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 06/27/2025 |  | 1 A |  | AZ | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304712985 | 33806682 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304712985 | 33806707 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304726359 | 33807149 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304726359 | 33807229 |  | 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 $2,278.13 exceeds tolerance of $1,823.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 07/02/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304726359 | 33807230 |  | 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 $77.50 exceeds tolerance of $75.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 07/02/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304726359 | 33807231 |  | 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 Electronic Document Delivery Fee. Fee Amount of $35.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 07/02/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304726359 | 33821608 |  | 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 $77.50 exceeds tolerance of $75.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 07/02/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304726359 | 33821609 |  | 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 Electronic Document Delivery Fee. Fee Amount of $35.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 07/02/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304719449 | 33806300 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304719449 | 33806582 |  | 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 $387.00 exceeds tolerance of $325.00 plus 10% or $357.50. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 06/30/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304719449 | 33806583 |  | 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 $655.00 exceeds tolerance of $650.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 06/30/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304719449 | 33806584 |  | 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 $113.50 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 06/30/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304728740 | 33806105 |  | 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 $166.84 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 06/30/2025 |  | 1 A |  | MD | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304729020 | 33814765 |  | Compliance | Compliance | State Compliance | State Defect | Illinois SB 1894 | IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. | xxxx |  |  |  | xxxx | 07/08/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304724704 | 33814386 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Purchase | B A | Non QM | Non QM | No |
| 304724704 | 33815411 |  | 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 $2,323.00 exceeds tolerance of $2,260.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 07/01/2025 |  | 1 A |  | GA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304715505 | 33822640 |  | 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. | xxxx |  |  |  | xxxx | 07/03/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| 304715505 | 33822641 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): 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 $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 07/03/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304715505 | 33836028 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304720747 | 33820697 |  | 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 $92.70 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 07/09/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304724716 | 33822249 |  | 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 $690.00 exceeds tolerance of $545.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 07/02/2025 |  | 1 A |  | ID | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304724716 | 33828312 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 39.84699% DTI | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 07/08/2025 | 2 C B |  | ID | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304724384 | 33822714 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | IN | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304724384 | 33822883 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | IN | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304731827 | 33830857 |  | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | - Issue Date: ___; Received Date: ___; Signed Date: ___ | xxxx |  |  |  |  |  |  |  | 2 B |  | UT | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304731827 | 33830879 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | UT | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304731827 | 33830889 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | UT | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304721807 | 33831534 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | xxxx | 08/06/2025 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304721807 | 33831535 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 08/11/2025 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304721807 | 33831536 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | WI | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304716857 | 33847182 |  | 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 $108.00 exceeds tolerance of $86.00 plus 10% or $94.60. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 07/08/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304716857 | 33847183 |  | 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 $885.00 exceeds tolerance of $650.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 07/08/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304716857 | 33847184 |  | 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 $98.00 exceeds tolerance of $88.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 07/08/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304716857 | 33851397 |  | 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 Certification Fee. Fee Amount of $300.00 exceeds tolerance of $275.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 07/08/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304716857 | 33869057 |  | 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 $108.00 exceeds tolerance of $86.00 plus 10% or $94.60. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 07/08/2025 |  | 1 A |  | CO | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304716857 | 33869058 |  | 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 $885.00 exceeds tolerance of $650.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 07/08/2025 |  | 1 A |  | CO | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304716857 | 33869059 |  | 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 $98.00 exceeds tolerance of $88.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 07/08/2025 |  | 1 A |  | CO | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304730671 | 33859094 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability to Repay – Bank Statement Guidelines Require Less than 12 Months | Ability to Repay (Dodd-Frank 2014): Guidelines require less than 12 consecutive months bank statements. | xxxx |  |  |  | xxxx | 07/10/2025 |  |  | 1 B A |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304730671 | 33859103 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304730671 | 33859105 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 07/10/2025 |  |  | 1 B A C |  | MI | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 304728643 | 33859620 |  | 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 $3,859.31 exceeds tolerance of $3,433.00 plus 10% or $3,776.30. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 07/08/2025 |  | 1 A |  | WA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304732850 | 33858357 |  | 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. | xxxx |  |  |  |  |  |  |  | 2 B |  | MI | Second Home | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304732850 | 33858403 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | MI | Second Home | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304728013 | 33858761 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | CO | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304728013 | 33858765 |  | 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 $2,355.35 exceeds tolerance of $318.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 07/11/2025 |  |  | 1 C A |  | CO | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304728013 | 33862808 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 07/10/2025 |  |  | 1 C A |  | CO | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304732792 | 33859552 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304725176 | 33859064 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304725176 | 33865017 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 07/09/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304712294 | 33859632 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | CO | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304712294 | 33859717 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | CO | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304745124 | 33872119 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304745124 | 33872124 |  | 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 $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 07/09/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304745124 | 33872125 |  | 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 Septic Inspection Fee. Fee Amount of $590.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 07/09/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304731814 | 33871979 |  | Compliance | TRID | Document Error | TRID | Loan Estimate: Dates are not in chronological order. | - Issue Date: ___; Received Date: ___; Signed Date: ___ | xxxx |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304731814 | 33875784 |  | 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 $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 07/09/2025 |  | 1 A |  | AZ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304726353 | 33874600 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | OH | Investment | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304726353 | 33879160 |  | Property | Property - Appraisal | Property Eligibility - Site and Utilities | Property - Appraisal | Subject property contains apparent environmental, health and/or safety problems notated by appraiser or visible on photo. |  | xxxx |  |  |  | xxxx | 07/22/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304730271 | 33874063 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304731812 | 33874001 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |  |  |  | xxxx | 08/15/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304731812 | 33874002 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |  |  |  | xxxx | 08/15/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304731812 | 33874003 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |  |  |  | xxxx | 08/15/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304731812 | 33874004 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. |  |  |  |  | xxxx | 08/15/2025 |  |  | 1 C A |  | FL | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| 304731812 | 33874005 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |  |  |  | xxxx | 08/15/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304731812 | 33874006 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx |  |  |  | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304732968 | 33885786 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304732968 | 33885790 |  | 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 $178.00 plus 10% or $195.80. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 07/10/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304734213 | 33883431 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304730783 | 33886018 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | WI | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304730783 | 33886134 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | WI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304730783 | 33886410 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 07/11/2025 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304730783 | 33916161 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 07/16/2025 |  |  | 1 A |  | WI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304728020 | 33898021 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304728020 | 33898024 |  | 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 $5,170.00 exceeds tolerance of $4,170.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 07/14/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304734768 | 33898097 |  | 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 $113.75 exceeds tolerance of $113.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 07/11/2025 |  | 1 A |  | NJ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304732970 | 33899448 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | CO | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304730751 | 33899476 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | NC | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304709886 | 33901453 |  | 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 $920.13 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 07/11/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304732695 | 33907829 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304716589 | 33919092 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304716589 | 33919095 |  | 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. | xxxx |  |  |  | xxxx | 07/15/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Rate/Term | No Defined Cure B A | Non QM | Non QM | No |
| 304716589 | 33919104 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304728736 | 33919198 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MO | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304726463 | 33931031 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | MS | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304726463 | 33931033 |  | 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 $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 07/15/2025 |  | 1 A |  | MS | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304730674 | 33932959 |  | 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 $95.00 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 07/15/2025 |  | 1 A |  | MI | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304730674 | 33938598 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Excellent credit, low ratios and over 40 months reserves | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 07/15/2025 | 2 B |  | MI | Primary | Purchase | B A | Non QM | Non QM | No |
| 304726351 | 33931990 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | xxxx | 07/17/2025 |  |  | 1 D A |  | AZ | Primary | Refinance - Rate/Term | D A | Non QM | Non QM | No |
| 304643519 | 33936187 |  | 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. | xxxx |  |  |  | xxxx |  |  | 06/04/2025 | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| 304643519 | 33936190 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 05/02/2025 |  |  | 1 C A D |  | AZ | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| 304643519 | 33936191 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Form 442 provided states The house is near to complete and in the process of gas installed, landscape install, exterior painting and drywall repair. Final Inspection report confirming all the said work is completed is required. |  |  |  | xxxx | 05/21/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| 304643519 | 33936192 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Initial Purchase) not provided |  | xxxx |  |  |  | xxxx | 05/07/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| 304643519 | 33936193 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds for the Initial Purchase not provided |  | xxxx |  |  |  | xxxx | 05/21/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| 304643519 | 33936194 |  | Credit | Guideline | Guideline Issue | Guideline | Delayed Financing indicated and Delayed Financing Guidelines are not met. |  | xxxx |  |  |  | xxxx | 05/21/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| 304678347 | 33936206 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | xxxx | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 06/06/2025 | 2 C B |  | MA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304678347 | 33936207 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing: The borrower's business ownership percentage must be at least 25%. The ownership percentage must be verified via a CPA/Tax Preparer, Operating Agreement or equivalent. |  |  |  | xxxx | 05/19/2025 |  |  | 1 C A |  | MA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304694852 | 33936221 |  | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | xxxx |  |  |  | xxxx | 05/22/2025 |  |  | 1 C A |  | SC | Primary | Purchase | C A | Non QM | Non QM | No |
| 304694852 | 33936222 |  | 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. | xxxx |  |  |  | xxxx | 05/21/2025 |  |  | 1 C A |  | SC | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| 304694852 | 33936223 |  | 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 $2,035.00 exceeds tolerance of $1,717.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 05/13/2025 |  | 1 A |  | SC | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304694852 | 33936225 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Require CPA Letter for Borrower: xxxx for Bank Statement income - xxxx for proof of ownership. |  |  |  | xxxx | 06/20/2025 |  |  | 1 C A |  | SC | Primary | Purchase | C A | Non QM | Non QM | No |
| 304694852 | 33936226 |  | 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. | xxxx |  |  |  | xxxx | 06/04/2025 |  |  | 1 B A |  | SC | Primary | Purchase | C A | Non QM | Non QM | No |
| 304694852 | 33936227 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 06/20/2025 |  |  | 1 A |  | SC | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 304694852 | 33936228 |  | 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. | xxxx |  |  |  | xxxx | 06/20/2025 |  |  | 1 A |  | SC | Primary | Purchase | C A | Non QM | Non QM | No |
| 304693597 | 33936237 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | xxxx |  |  |  | xxxx | 06/18/2025 |  |  | 1 C A |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304693597 | 33936238 |  | 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. | xxxx |  |  |  | xxxx | 05/21/2025 |  |  | 1 B A |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304693597 | 33936241 |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided Timely) | Ohio Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure at Closing. | xxxx |  |  |  | xxxx |  |  | 05/22/2025 | 2 B |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304699210 | 33936317 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: Appraiser's name not provided. |  | xxxx |  |  |  | xxxx | 06/13/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 304694074 | 33936325 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | xxxx |  |  |  | xxxx | 06/04/2025 |  |  | 1 D A |  | SC | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 304694074 | 33936326 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | 1. The borrower's business ownership percentage must be at least 25%. The ownership percentage must be verified via a CPA/Tax Preparer, Operating Agreement or equivalent.<br>2. Required business narrative form for "xxxx" to describe the type of business and <br> number of employees. |  |  |  | xxxx | 06/17/2025 |  |  | 1 C A |  | SC | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 304694074 | 33936327 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 06/12/2025 |  |  | 1 C A |  | SC | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 304694074 | 33936328 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | xxxx |  |  |  | xxxx | 06/12/2025 |  |  | 1 C A |  | SC | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 304694074 | 33936331 |  | 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/xxxx 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. | xxxx |  |  |  | xxxx | 06/04/2025 |  |  | 1 C A |  | SC | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 304694074 | 33936332 |  | 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. | xxxx |  |  |  | xxxx | 06/18/2025 |  |  | 1 C A |  | SC | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 304694074 | 33936333 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 06/18/2025 |  |  | 1 B A C |  | SC | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation B C | Non QM | Non QM | Yes |
| 304694074 | 33936334 |  | 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 $850.00 exceeds tolerance of $800.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 06/17/2025 |  | 2 C B |  | SC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304694136 | 33936348 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | xxxx |  |  |  | xxxx | 06/27/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C A | Non QM | Non QM | No |
| 304710288 | 33936360 |  | Credit | Guideline | Guideline Issue | Guideline | Borrower has been on current job less than 2 years, and prior employment history was not documented as required. |  | xxxx |  |  |  | xxxx | 06/02/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304710288 | 33936361 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | xxxx |  |  |  | xxxx | 06/02/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304710288 | 33936363 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) 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 the guideline maximum by at least 10%. | 21 vs 50 | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 06/25/2025 | 2 B |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304710288 | 33936364 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 06/25/2025 |  |  | 1 A |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 304710288 | 33936365 |  | 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. | xxxx |  |  |  | xxxx | 06/25/2025 |  |  | 1 A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304696972 | 33936401 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | xxxx |  |  |  | xxxx | 06/06/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304696972 | 33936404 |  | Credit | Credit | Credit Documentation | Credit | Credit Report Error: Missing source document for credit/housing history. |  | xxxx |  |  |  | xxxx | 06/04/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304696972 | 33936405 |  | 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 $515.00 exceeds tolerance of $500.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 05/30/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304707160 | 33936443 |  | 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. | xxxx |  |  |  | xxxx | 06/05/2025 |  |  | 1 B A |  | NJ | Primary | Purchase | B A | Non QM | Non QM | No |
| 304707160 | 33936446 |  | 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 $520.00 exceeds tolerance of $430.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/29/2025 |  | 1 A |  | NJ | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304707160 | 33936447 |  | 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 $218.58 exceeds tolerance of $215.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/29/2025 |  | 1 A |  | NJ | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304393226 | 33936474 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | xxxx |  |  |  | xxxx | 11/26/2024 |  |  | 1 B A |  | FL | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| 304393226 | 33936475 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Instructions not provided |  | xxxx |  |  |  | xxxx | 10/25/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| 304393226 | 33936476 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 03/27/2025 |  |  | 1 C A D |  | FL | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| 304393226 | 33936477 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | xxxx |  |  |  | xxxx | 10/25/2024 |  |  | 1 B A |  | FL | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| 304393226 | 33936479 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | SitusAMC,Originator | xxxx |  |  | 11/21/2024 | 2 B |  | FL | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| 304693478 | 33936512 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | xxxx | 05/15/2025 |  |  | 1 B A |  | CO | Investment | Refinance - Cash-out - Other | C A B |  | N/A | No |
| 304693478 | 33936513 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | xxxx |  |  |  | xxxx | 06/13/2025 |  |  | 1 C A |  | CO | Investment | Refinance - Cash-out - Other | C A B |  | N/A | No |
| 304702291 | 33936535 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | xxxx |  |  |  | xxxx | 06/02/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304702291 | 33936537 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | xxxx |  |  |  | xxxx | 06/03/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304702291 | 33936539 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has owned the subject property for at least 5 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 77 vs 3 | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 06/03/2025 | 2 C B |  | NJ | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304702291 | 33936542 |  | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | xxxx |  |  |  | xxxx | 06/02/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304705696 | 33936600 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | xxxx |  |  |  | xxxx | 06/02/2025 |  |  | 1 B A |  | NY | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304705696 | 33936601 |  | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  | xxxx |  |  |  | xxxx |  |  | 05/27/2025 | 2 B |  | NY | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304705696 | 33936602 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state |  | xxxx |  |  |  | xxxx |  |  | 05/27/2025 | 2 B |  | NY | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304712235 | 33936630 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | 1. Required Third Party Verification that the business is active and operating either no more than 10 business days <br> prior to the Note Date as it is missing in file.<br>2. Income calculation worksheet is missing and required for Bank statement income. |  |  |  | xxxx | 06/17/2025 |  |  | 1 C A |  | OR | Primary | Purchase | C A | Non QM | Non QM | No |
| 304712235 | 33936633 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 06/17/2025 |  |  | 1 B A C |  | OR | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 304712235 | 33936634 |  | 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. | xxxx |  |  |  | xxxx | 06/17/2025 |  |  | 1 C A |  | OR | Primary | Purchase | C A | Non QM | Non QM | No |
| 304686672 | 33936646 |  | Credit | Guideline | Guideline Issue | Guideline | Loan product type is ineligible per guidelines. | Product: ___; Amortization Term: ___ | xxxx |  |  |  | xxxx | 06/13/2025 |  |  | 1 C A |  | MA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 304686672 | 33936647 |  | Credit | Guideline | Guideline Issue | Guideline | Loan originated as Rate/Term or Limited Cash Out and paying off subordinate lien that was not for seasoned purchase transaction. |  | xxxx |  |  |  | xxxx | 06/13/2025 |  |  | 1 C A |  | MA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 304686672 | 33936648 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided |  | xxxx |  |  |  | xxxx | 06/11/2025 |  |  | 1 C A |  | MA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 304708868 | 33936702 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 06/24/2025 |  |  | 1 C A D |  | PA | Primary | Purchase | D B A | Non QM | Non QM | No |
| 304708868 | 33936704 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx |  |  | 06/11/2025 | 2 B |  | PA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D B A | Non QM | Non QM | Yes |
| 304698328 | 33936709 |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | xxxx |  |  |  | xxxx | 06/11/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304698328 | 33936710 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | xxxx |  |  |  | xxxx | 06/20/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304698328 | 33936711 |  | Credit | Guideline | General | Guideline | DSCR does not meet guideline requirements. |  | xxxx |  |  |  | xxxx | 06/09/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304710813 | 33936743 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | xxxx |  |  |  | xxxx | 06/10/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304697003 | 33936760 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | xxxx |  |  |  | xxxx | 06/19/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
| 304697003 | 33936762 |  | 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 $2,339.64 exceeds tolerance of $1,998.20. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 06/19/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304697003 | 33936764 |  | 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 $585.00 exceeds tolerance of $550.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 06/19/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304697003 | 33936765 |  | 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 $585.00 exceeds tolerance of $550.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 06/19/2025 |  | 1 A |  | FL | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304720543 | 33936889 |  | Credit | Guideline | General | Guideline | DSCR does not meet guideline requirements. |  | xxxx |  |  |  | xxxx | 06/19/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304720543 | 33936890 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type per the guidelines. |  | xxxx |  |  |  | xxxx | 06/19/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304712204 | 33936893 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Income calculation worksheet is missing and required for xxxx. |  |  |  | xxxx | 06/24/2025 |  |  | 1 C A |  | VA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304712204 | 33936896 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 06/24/2025 |  |  | 1 B A C |  | VA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 304712204 | 33936897 |  | 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. | xxxx |  |  |  | xxxx | 06/24/2025 |  |  | 1 C A |  | VA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304710929 | 33937014 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | xxxx |  |  |  | xxxx | 06/27/2025 |  |  | 1 B A |  | FL | Second Home | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| 304710929 | 33937016 |  | 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 Re-Issue Fee. Fee Amount of $96.60 exceeds tolerance of $65.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 06/19/2025 |  | 1 A |  | FL | Second Home | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304710929 | 33937017 |  | 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 $500.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 06/19/2025 |  | 1 A |  | FL | Second Home | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304710929 | 33937018 |  | 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 $96.60 exceeds tolerance of $91.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 06/19/2025 |  | 1 A |  | FL | Second Home | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304732191 | 33944967 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304732191 | 33945495 |  | 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 $2,306.40 exceeds tolerance of $322.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 07/21/2025 |  |  | 1 C A |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304734132 | 33944426 |  | 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 $134.00 exceeds tolerance of $100.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 07/31/2025 |  | 2 C B |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304733048 | 33955571 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304733048 | 33956917 |  | 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 $85.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 07/17/2025 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304749744 | 33956424 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304749744 | 33956576 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | xxxx | 07/18/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304749744 | 33956577 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | xxxx | 07/18/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304749744 | 33956578 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. |  |  |  |  | xxxx | 07/18/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304749744 | 33956579 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. |  |  |  |  | xxxx | 07/18/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| 304749744 | 33956581 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. |  |  |  |  | xxxx | 07/18/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304749744 | 33956583 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304732106 | 33978420 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | xxxx |  |  |  | xxxx | 07/24/2025 |  |  | 1 C A |  | CT | Primary | Purchase | C A | Non QM | Non QM | No |
| 304727813 | 33968941 |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  |  | 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>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | 733 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 07/30/2025 | 2 C B |  | TN | Investment | Purchase | C B A |  | N/A | No |
| 304727812 | 33966675 |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  |  | 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. | 733 FICO | SitusAMC,Aggregator<br>SitusAMC | xxxx |  |  | 08/01/2025 | 2 C B |  | TN | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304727812 | 33966711 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 07/22/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304727812 | 33966722 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | xxxx |  |  |  | xxxx | 07/22/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304733045 | 33979363 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | 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 has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The Combined Loan to Value (CLTV) 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>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score is above 680. | Borrower has been with current employer for 11 years. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 08/06/2025 | 2 C B |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304733045 | 33979370 |  | 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 ___. | xxxx | 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 has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The Combined Loan to Value (CLTV) 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>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score is above 680. | Borrower has been with current employer for 11 years. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 08/06/2025 | 2 C B |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304733045 | 33979391 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 08/06/2025 |  |  | 1 B A C |  | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 304733045 | 33979392 |  | 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. | xxxx |  |  |  | xxxx | 08/06/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304733045 | 33979393 |  | 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 43.87509% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | 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 has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The Combined Loan to Value (CLTV) 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>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score is above 680. | Borrower has been with current employer for 11 years. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 08/06/2025 | 2 C B |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304734215 | 33968470 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | WA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304696918 | 33970574 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | KY | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304751814 | 33968436 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304751814 | 33980618 |  | Credit | Missing Document | General | Missing Document | Missing Document: Explanation Letter not provided |  | xxxx |  |  |  | xxxx | 07/23/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304734753 | 33968332 |  | 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 $1,320.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 07/18/2025 |  | 1 A |  | FL | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304734753 | 33968769 |  | 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 ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) 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 the guideline maximum by at least 10%. | 730 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 07/30/2025 | 2 C B |  | FL | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304734753 | 33968807 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 07/30/2025 |  |  | 1 B A C |  | FL | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 304734753 | 33968808 |  | 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. | xxxx |  |  |  | xxxx | 07/30/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304734753 | 33979922 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | xxxx |  |  |  | xxxx | 07/22/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304748415 | 33986928 |  | 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 $365.70 exceeds tolerance of $345.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 07/21/2025 |  | 1 A |  | TN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304748415 | 33990464 |  | Credit | Guideline | Guideline Issue | Guideline | The property site acres is greater than 10 acres which does not meet guidelines. |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) 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 the guideline maximum by at least 10%. | 762 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 07/21/2025 | 2 B |  | TN | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304735838 | 33987684 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-950.00 exceeds tolerance of $-1,207.80. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 08/12/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304736666 | 33987285 |  | 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 $92.70 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 08/07/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304727768 | 34004841 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 07/25/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C B A | Non QM | Safe Harbor QM (APOR) | No |
| 304727768 | 34005061 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 08/13/2025 |  | 2 C B |  | PA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Safe Harbor QM (APOR) | Yes |
| 304727768 | 34005062 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 08/13/2025 |  | 2 C B |  | PA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Safe Harbor QM (APOR) | Yes |
| 304727768 | 34253259 |  | 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 Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | PA | Primary | Purchase | C B A | Non QM | Safe Harbor QM (APOR) | No |
| 304710356 | 34001312 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304751805 | 34002294 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | CA | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304751805 | 34003710 |  | 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 $56.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 07/22/2025 |  | 1 A |  | CA | Second Home | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304751805 | 34003711 |  | 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 $94.00 exceeds tolerance of $74.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 07/22/2025 |  | 1 A |  | CA | Second Home | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304751805 | 34003712 |  | 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 Insurance Binder Fee. Fee Amount of $150.00 exceeds tolerance of $125.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 07/22/2025 |  | 1 A |  | CA | Second Home | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304754514 | 34001696 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304732189 | 34002230 |  | 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 $1,617.00 exceeds tolerance of $1,348.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 07/22/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304732189 | 34002269 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | xxxx |  |  |  | xxxx | 07/31/2025 |  |  | 1 D A |  | FL | Primary | Purchase | D A | Non QM | Non QM | No |
| 304736168 | 34015641 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304732853 | 34027567 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | OH | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304734822 | 34027888 |  | 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 $700.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 07/24/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304734822 | 34033928 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The two most recent years W2 transcripts are required for the third borrower. An approved xxxx exception was provided | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) 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 the guideline maximum by at least 10%. | 777 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 07/24/2025 | 2 B |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| 304751867 | 34027203 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304728012 | 34040735 |  | 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 $134.00 exceeds tolerance of $98.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 07/25/2025 |  | 1 A |  | GA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304734754 | 34042733 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| 304754800 | 34041716 |  | 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 $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 07/25/2025 |  | 1 A |  | MD | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304751705 | 34041486 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 08/12/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304751705 | 34041565 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304751705 | 34052439 |  | Credit | Loan Eligibility | Guideline Issue | Loan Eligibility | Housing history reflects lates that do not meet guidelines. | - Housing history reflects a total of ___ reported late payments. | xxxx |  |  |  | xxxx | 08/05/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304732421 | 34045445 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-882.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 07/03/2025 |  | 1 A |  | CA | Primary | Purchase | A | Non QM | Non QM | Yes |
| 304747354 | 34092709 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-1,193.20 exceeds tolerance of $-1,831.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 08/07/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304725175 | 34092659 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | NC | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304729959 | 34092669 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304750453 | 34094255 |  | 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. |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 07/30/2025 | 2 B |  | TX | Primary | Purchase | B A | Non QM | Non QM | No |
| 304754870 | 34093182 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304758052 | 34107756 |  | 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 $93.65 exceeds tolerance of $82.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 07/31/2025 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304677107 | 34098068 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 12/27/2024 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304677107 | 34098069 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  | xxxx |  |  |  | xxxx | 12/27/2024 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304693243 | 34098083 |  | Credit | Document Inventory | General | Document Inventory | Final Inspection / 442 does not reflect all required repairs or property completion requirements. |  | xxxx |  |  |  | xxxx | 07/03/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 304707079 | 34098090 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx |  |  |  | xxxx | 05/14/2025 |  |  | 1 C A |  | MD | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304707079 | 34098091 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | xxxx |  |  |  | xxxx | 07/07/2025 |  |  | 1 B A |  | MD | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304695716 | 34098107 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on Tape. Subject property value $xxxx is less than guideline required $75,000. Comp factors 814 FICO and 1.8 DSCR. Comp factors met. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Debt Service Coverage Ratio: 1.84<br> Guideline Requirement: 1.00<br>Guidelines Representative FICO: 680<br> Representative FICO: 814 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 05/14/2025 | 2 B |  | MI | Investment | Purchase | B A |  | N/A | No |
| 304724118 | 34098138 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | xxxx | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 06/25/2025 | 2 B |  | IL | Investment | Purchase | C B A |  | N/A | No |
| 304724118 | 34098139 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 07/01/2025 |  |  | 1 C A |  | IL | Investment | Purchase | C B A |  | N/A | No |
| 304730100 | 34098142 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | xxxx |  |  |  | xxxx | 06/27/2025 |  |  | 1 D A |  | MO | Investment | Refinance - Cash-out - Other | D B C A |  | N/A | No |
| 304730100 | 34098143 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx | Borrower has owned the subject property for at least 5 years.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 06/26/2025 | 2 C B |  | MO | Investment | Refinance - Cash-out - Other | D B C A |  | N/A | No |
| 304730010 | 34098162 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception approval for non-approved AMC is found on the UW Narrative. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 06/25/2025 | 2 C B |  | WI | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304730119 | 34098168 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on tape. Subject property appraised value of $xxxx is below minimum guideline requirement of $75,000. DSCR to remain at 2.0 or higher. DSCR requirement met. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 06/25/2025 | 2 B |  | OH | Investment | Purchase | B A |  | N/A | No |
| 304732035 | 34098220 |  | Credit | Credit | Public Records | Credit | Public Records/Collections/Charge Off does not meet guidelines. |  | xxxx | 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. | Guidelines Representative FICO: 700<br> Representative FICO: 784<br>Reserves: 28.40<br> Guideline Requirement: 12.43 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 07/01/2025 | 2 C B |  | NJ | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304732035 | 34098221 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx | 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. | Guidelines Representative FICO: 700<br> Representative FICO: 784<br>Reserves: 28.40<br> Guideline Requirement: 12.43 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 07/01/2025 | 2 C B |  | NJ | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304724123 | 34098241 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject appraisal indicates property was vacant at the time of inspection. Lease provided and dated prior to inspection. Missing copy of rent check and security deposit. |  |  |  | xxxx | 07/02/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304730025 | 34098246 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 07/08/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 304730089 | 34098262 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on tape. Appraised value $xxxx is less than $75,000 as required by guidelines. Compensating factors of 760 FICO and DSCR to remain at 1.6 or higher. Comp factors met. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>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. | Guidelines Representative FICO: 680<br> Representative FICO: 760<br>Reserves: 49.68<br> Guideline Requirement: 27.16 | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 07/02/2025 | 2 B |  | OH | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304730015 | 34098264 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Appraisal transfer letter is provided. Exception approval for non-approved AMC is found on the UW Narrative. |  |  |  | xxxx | 07/07/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304731942 | 34098275 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 07/07/2025 | 2 C B |  | NJ | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304730002 | 34098277 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Exception approval is located on the UW Narrative. Appraisal transfer letter and paid invoice required by the exception approval are provided in the file. |  |  |  | xxxx | 07/08/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| 304734634 | 34098291 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 07/08/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 304730017 | 34098302 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on tape requested for credit report dated xx/xx/xxxx expiration at 90 days is xx/xx/xxxx. Exception approved for 10-day extension to accommodate closing with updated expiration date xx/xx/xxxx. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: 12.92<br> Guideline Requirement: 6.20 | Originator,SitusAMC | xxxx |  |  | 07/02/2025 | 2 B |  | AL | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304730022 | 34098311 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require | ___, and verified reserves are ___. | xxxx | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Debt Service Coverage Ratio: 2.13<br> Guideline Requirement: 1.00<br>Guidelines Representative FICO: 680<br> Representative FICO: 799 | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 07/08/2025 | 2 C B |  | MD | Investment | Purchase | C B A |  | N/A | No |
| 304730016 | 34098329 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | xxxx | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 07/07/2025 | 2 B |  | AL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304730016 | 34098330 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | xxxx |  |  |  | xxxx | 07/09/2025 |  |  | 1 C A |  | AL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304734620 | 34098354 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 07/11/2025 |  |  | 1 C A |  | DE | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304730031 | 34098358 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 07/11/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| 304730029 | 34098360 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 07/11/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| 304724091 | 34098363 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | xxxx |  |  |  | xxxx | 07/09/2025 |  |  | 1 B A |  | IL | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304730118 | 34098366 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception requested and approved for transfer of appraisal and use of non-approved AMC. Transfer letter and proof of paid invoice provided in file. |  |  |  | xxxx | 07/10/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304730118 | 34098367 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject appraisal indicates property was vacant at the time of inspection. Lease provided however, missing copy of rent check and security deposit per loan approval. |  |  |  | xxxx | 07/10/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304730079 | 34098369 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on Tape. The lender exception has been requested and approved for the appraised value $xxxx which is less than $75,000 as required by guideline with the compensating factors of 751 FICO and DSCR >1.6 or higher. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 07/09/2025 | 2 B |  | OH | Investment | Purchase | B A |  | N/A | No |
| 304734636 | 34098380 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Appraisal transfer letter, exception approval, and paid invoice are provided in the file. |  |  |  | xxxx | 07/11/2025 |  |  | 1 C A |  | NM | Investment | Purchase | C A |  | N/A | No |
| 304732689 | 34115962 |  | 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 $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 08/01/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304749960 | 34119275 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304749960 | 34119295 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-3,963.38 exceeds tolerance of $-5,770.77. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 08/07/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304749960 | 34136096 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 08/06/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304715561 | 34118306 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304735832 | 34120913 |  | 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. | xxxx |  |  |  |  |  |  |  | 2 B |  | ND | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304735832 | 34120971 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | ND | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304734758 | 34116229 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 08/13/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304730815 | 34132146 |  | 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 $675.00 exceeds tolerance of $500.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 08/04/2025 |  | 1 A |  | PA | Primary | Purchase | Final CD evidences Cure A B | Non QM | Safe Harbor QM (APOR) | Yes |
| 304730815 | 34253266 |  | 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 Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | PA | Primary | Purchase | A B | Non QM | Safe Harbor QM (APOR) | No |
| 304749956 | 34130781 |  | 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 $860.00 exceeds tolerance of $850.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 08/04/2025 |  | 1 A |  | CO | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304749956 | 34130816 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | CO | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| 304749956 | 34130831 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | xxxx | 08/06/2025 |  |  | 1 D A |  | CO | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| 304749712 | 34132535 |  | 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 $123.60 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 08/08/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304749712 | 34132536 |  | 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 $7,614.80 exceeds tolerance of $7,468.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 08/08/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304749712 | 34165895 |  | 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 $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 08/08/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304749712 | 34165896 |  | 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 $7,614.80 exceeds tolerance of $7,468.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 08/08/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304756747 | 34133479 |  | 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 $113.75 exceeds tolerance of $113.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 08/04/2025 |  | 1 A |  | NJ | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304757488 | 34150562 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304757488 | 34150565 |  | 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 $85.00 exceeds tolerance of $60.00 plus 10% or $66.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 08/06/2025 |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304758022 | 34153087 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NE | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304757468 | 34151062 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | VA | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304750013 | 34167395 |  | 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 $725.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 08/08/2025 |  | 1 A |  | AL | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304750013 | 34167396 |  | 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 $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 08/08/2025 |  | 1 A |  | AL | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304760481 | 34169360 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | IN | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304765202 | 34253272 |  | 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 Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | NJ | Primary | Purchase | A B | Non QM | Safe Harbor QM (APOR) | No |
| 304759812 | 34256923 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) 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 the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 16.41908% DTI | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 08/25/2025 | 2 C B |  | FL | Investment | Purchase | C B A | N/A | N/A | No |
| 304759812 | 34256926 |  | Credit | Missing Document | General | Missing Document | Missing Document: Explanation Letter not provided |  | xxxx |  |  |  | xxxx | 08/25/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C B A | N/A | N/A | No |
| 304728739 | 34174538 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| 304728739 | 34174542 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304748478 | 34174521 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304747349 | 34174531 |  | 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 $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 08/09/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304758983 | 34174580 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304764265 | 34170124 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | AL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304764265 | 34170127 |  | 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 $725.00 exceeds tolerance of $715.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 08/08/2025 |  | 1 A |  | AL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304764263 | 34263067 |  | Credit | Guideline | Guideline Issue | Guideline | Funds From Business Account used, and borrower owns less than 100% of business. |  | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) 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 the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 19.75515% DTI | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 08/22/2025 | 2 B |  | NV | Primary | Purchase | B A | Non QM | Non QM | No |
| 304677095 | 34145044 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require | ___, and verified reserves are ___. | xxxx | Borrower's Experience/Track Record | 2.5 years in business. | SitusAMC,Originator | xxxx |  |  | 02/13/2025 | 2 C B |  | NJ | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304481096 | 34145054 |  | Credit | Credit | Credit Eligibility | Credit | Active Tradeline requirement not met. | - Borrower has ___ Active Tradelines which is less than the minimum required by guidelines. | xxxx | 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. | Guidelines Representative FICO: 680<br> Representative FICO: 769<br>Reserves: 18.00<br> Guideline Requirement: 6.00 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 01/30/2025 | 2 C B |  | NJ | Investment | Purchase | D B A |  | N/A | No |
| 304481096 | 34145056 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | xxxx |  |  |  | xxxx | 01/29/2025 |  |  | 1 D A |  | NJ | Investment | Purchase | D B A |  | N/A | No |
| 304476709 | 34145059 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | xxxx |  |  |  | xxxx | 04/10/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C B A |  | N/A | No |
| 304476709 | 34145060 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require | ___, and verified reserves are ___. | xxxx | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower's Own Funds Percent: 20.27%<br> Borrower's Own Funds Amount: $xxxx<br>Guidelines Representative FICO: 680<br> Representative FICO: 775 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 06/24/2025 | 2 B |  | NJ | Investment | Purchase | C B A |  | N/A | No |
| 304724135 | 34145067 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 02/20/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304705624 | 34145079 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved at origination for AIV >1.5x median home value. Comp factors 704 FICO, 70% LTAIV, 2.22 DSCR, xxxx units and xxxx rental units owned. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. |  | SitusAMC | xxxx |  |  | 01/31/2025 | 2 B |  | AZ | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304705624 | 34145080 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved at origination for short term market grade <50. Comp factors 704 FICO, 70% LTAIV, 2.22 DSCR, xxxx units and xxxx rental units owned. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 660<br> Representative FICO: 704 | SitusAMC | xxxx |  |  | 01/31/2025 | 2 B |  | AZ | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304705560 | 34145204 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines, no tenant may have requested forbearance or missed rent payments by 30 days or more for the property to be considered lease. Lender approved exception at origination provided, as tenant was behind after signing new lease with significantly higher payment, but has since caught up and is current. | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | FICO 775 | SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 04/07/2025 | 2 B |  | GA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304705560 | 34145205 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | xxxx | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | FICO 775 | SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 04/07/2025 | 2 B |  | GA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304705560 | 34145206 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception at origination to not require HOI to be escrowed, as entity as master policy in place for entire portfolio. | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | FICO 775 | SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 04/07/2025 | 2 B |  | GA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304705560 | 34145207 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Trust Agreement not provided |  | xxxx | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | FICO 775 | SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 05/27/2025 | 2 C B |  | GA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304705560 | 34145208 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | xxxx | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | FICO 775 | SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 04/07/2025 | 2 B |  | GA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304705591 | 34145243 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception approved at Origination for commercial blanket policy not being Escrowed | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 04/06/2025 | 2 B |  | TN | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 304705591 | 34145244 |  | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | xxxx | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 04/06/2025 | 2 B |  | TN | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 304705591 | 34145245 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | xxxx | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 04/06/2025 | 2 B |  | TN | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 304705591 | 34145246 |  | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within 90 days of the Note Date. | Hazard Insurance Policy Expiration Date ___, Note Date ___ | xxxx | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 04/06/2025 | 2 B |  | TN | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 304705591 | 34145247 |  | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. |  | xxxx | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 04/06/2025 | 2 B |  | TN | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 304705598 | 34145293 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | xxxx |  |  |  | xxxx | 04/09/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304705598 | 34145294 |  | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | xxxx | 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>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | FICO 787<br>Experience is 300 rental units. | SitusAMC,Aggregator<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC | xxxx |  |  | 04/08/2025 | 2 B |  | NJ | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304705598 | 34145295 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to allow sale-leaseback or lease-to-buy provisions within lease agreement. | 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>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | FICO 787<br>Experience is 300 rental units. | SitusAMC,Aggregator<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC | xxxx |  |  | 04/08/2025 | 2 B |  | NJ | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304705598 | 34145296 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | xxxx | 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>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | FICO 787<br>Experience is 300 rental units. | SitusAMC,Aggregator<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC | xxxx |  |  | 04/08/2025 | 2 B |  | NJ | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304705598 | 34145297 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved at origination for commercial blanket policy not being escrowed. | 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>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | FICO 787<br>Experience is 300 rental units. | SitusAMC,Aggregator<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC | xxxx |  |  | 04/08/2025 | 2 B |  | NJ | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304705598 | 34145298 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved to allow lease ledgers in lieu of bank statements to treat loans as leased with leased calculations. | 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>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | FICO 787<br>Experience is 300 rental units. | SitusAMC,Aggregator<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC | xxxx |  |  | 04/08/2025 | 2 B |  | NJ | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304705573 | 34145299 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception was approved Cash out When Last transaction was than 12 months and also cash out.<br>proceed as a cash out on unseasoned loan, Cleared to proceed with xxxx on xxxx Watch List | Borrower's Experience/Track Record<br>Borrower has owned the subject property for at least 5 years.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. | Borrower's Experience/Track Record. The borrower has: Completed 5+ Properties.<br>5+ rental units<br>Reserves of $xxxx. | Aggregator<br>SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC | xxxx |  |  | 04/07/2025 | 2 B |  | NC | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304705597 | 34145360 |  | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. |  | xxxx | 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>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | FICO 787<br>Experience is 300 rental units. | SitusAMC,Aggregator<br>SitusAMC<br>Aggregator,SitusAMC | xxxx |  |  | 04/07/2025 | 2 B |  | TX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304705597 | 34145361 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception at origination to allow commercial blanket HOI policy for subject transaction with less than one year prepaid. | 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>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | FICO 787<br>Experience is 300 rental units. | SitusAMC,Aggregator<br>SitusAMC<br>Aggregator,SitusAMC | xxxx |  |  | 04/07/2025 | 2 B |  | TX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304705597 | 34145362 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | xxxx |  |  |  | xxxx | 04/09/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304705597 | 34145363 |  | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | xxxx | 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>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | FICO 787<br>Experience is 300 rental units. | SitusAMC,Aggregator<br>SitusAMC<br>Aggregator,SitusAMC | xxxx |  |  | 04/07/2025 | 2 B |  | TX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304705597 | 34145364 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | xxxx | 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>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | FICO 787<br>Experience is 300 rental units. | SitusAMC,Aggregator<br>SitusAMC<br>Aggregator,SitusAMC | xxxx |  |  | 04/07/2025 | 2 B |  | TX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304705597 | 34145365 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to allow sale-leaseback or lease-to-buy provisions within lease agreement. | 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>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | FICO 787<br>Experience is 300 rental units. | SitusAMC,Aggregator<br>SitusAMC<br>Aggregator,SitusAMC | xxxx |  |  | 04/07/2025 | 2 B |  | TX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304705587 | 34145382 |  | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | FICO 787<br>Experience is 300 rental units. | SitusAMC,Aggregator<br>Aggregator,SitusAMC | xxxx |  |  | 04/08/2025 | 2 B |  | MO | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304705587 | 34145383 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to allow sale-leaseback or lease-to-buy provisions within lease agreement. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | FICO 787<br>Experience is 300 rental units. | SitusAMC,Aggregator<br>Aggregator,SitusAMC | xxxx |  |  | 04/08/2025 | 2 B |  | MO | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304705587 | 34145384 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | xxxx |  |  |  | xxxx | 04/09/2025 |  |  | 1 C A |  | MO | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304705587 | 34145385 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved at origination for commercial blanket policy not being escrowed. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | FICO 787<br>Experience is 300 rental units. | SitusAMC,Aggregator<br>Aggregator,SitusAMC | xxxx |  |  | 04/08/2025 | 2 B |  | MO | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304705587 | 34145386 |  | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | FICO 787<br>Experience is 300 rental units. | SitusAMC,Aggregator<br>Aggregator,SitusAMC | xxxx |  |  | 04/08/2025 | 2 B |  | MO | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304705587 | 34145387 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | FICO 787<br>Experience is 300 rental units. | SitusAMC,Aggregator<br>Aggregator,SitusAMC | xxxx |  |  | 04/08/2025 | 2 B |  | MO | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304705613 | 34145389 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved at origination for commercial blanket policy not being escrowed. | 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>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | FICO 787<br>Experience is 300 rental units. | SitusAMC,Aggregator<br>SitusAMC<br>Aggregator,SitusAMC | xxxx |  |  | 04/08/2025 | 2 B |  | CO | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304705613 | 34145390 |  | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | xxxx | 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>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | FICO 787<br>Experience is 300 rental units. | SitusAMC,Aggregator<br>SitusAMC<br>Aggregator,SitusAMC | xxxx |  |  | 04/08/2025 | 2 B |  | CO | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304705613 | 34145391 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | xxxx | 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>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | FICO 787<br>Experience is 300 rental units. | SitusAMC,Aggregator<br>SitusAMC<br>Aggregator,SitusAMC | xxxx |  |  | 04/08/2025 | 2 B |  | CO | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304705613 | 34145392 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to allow sale-leaseback or lease-to-buy provisions within lease agreement. | 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>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | FICO 787<br>Experience is 300 rental units. | SitusAMC,Aggregator<br>SitusAMC<br>Aggregator,SitusAMC | xxxx |  |  | 04/08/2025 | 2 B |  | CO | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304705613 | 34145393 |  | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. |  | xxxx | 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>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | FICO 787<br>Experience is 300 rental units. | SitusAMC,Aggregator<br>SitusAMC<br>Aggregator,SitusAMC | xxxx |  |  | 04/08/2025 | 2 B |  | CO | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304705613 | 34145394 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | xxxx |  |  |  | xxxx | 04/09/2025 |  |  | 1 C A |  | CO | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304705589 | 34145464 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved at origination for commercial blanket policy not being escrowed. | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 04/14/2025 | 2 B |  | NC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304705589 | 34145465 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | xxxx |  |  |  | xxxx | 04/11/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304705589 | 34145466 |  | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within 90 days of the Note Date. | Hazard Insurance Policy Expiration Date ___, Note Date ___ | xxxx | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 04/14/2025 | 2 B |  | NC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304705589 | 34145467 |  | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. |  | xxxx | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 04/21/2025 | 2 C B |  | NC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304705589 | 34145468 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | xxxx | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 04/14/2025 | 2 B |  | NC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304705589 | 34145469 |  | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | xxxx | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 04/14/2025 | 2 B |  | NC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304705589 | 34145470 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to allow sale-leaseback or lease-to-buy provisions within lease agreement. | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 04/14/2025 | 2 B |  | NC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304705589 | 34145471 |  | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  | xxxx |  |  |  | xxxx | 05/27/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304705550 | 34145485 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 05/27/2025 | 2 C B |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304705614 | 34145525 |  | Credit | Insurance | Insurance Documentation | Insurance | Insurance Policy Expiration Date is less than 30 days of the Note Date and does not have automatic renewal. |  | xxxx | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Loan to Value: 64.09396%<br> Guideline Maximum Loan to Value: 75.00000%

# of Properties Completed: 300<br>Debt Service Coverage Ratio: 1.60<br> Guideline Requirement: 1.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 780 | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | xxxx |  |  | 04/28/2025 | 2 B |  | GA | Investment | Refinance - Cash-out - Other | D B C A |  | N/A | No |
| 304705614 | 34145526 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | Note Date: ___; Lien Position: ___ | xxxx |  |  |  | xxxx | 04/28/2025 |  |  | 1 D A |  | GA | Investment | Refinance - Cash-out - Other | D B C A |  | N/A | No |
| 304705614 | 34145527 |  | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. |  | xxxx | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Loan to Value: 64.09396%<br> Guideline Maximum Loan to Value: 75.00000%

# of Properties Completed: 300<br>Debt Service Coverage Ratio: 1.60<br> Guideline Requirement: 1.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 780 | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | xxxx |  |  | 04/28/2025 | 2 B |  | GA | Investment | Refinance - Cash-out - Other | D B C A |  | N/A | No |
| 304705614 | 34145528 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | xxxx |  |  |  | xxxx | 04/28/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | D B C A |  | N/A | No |
| 304705614 | 34145529 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception at origination to allow 2055, drive by exterior appraisal, which is only allowed on purchase transactions (subject is a refinance). | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Loan to Value: 64.09396%<br> Guideline Maximum Loan to Value: 75.00000%

# of Properties Completed: 300<br>Debt Service Coverage Ratio: 1.60<br> Guideline Requirement: 1.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 780 | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | xxxx |  |  | 04/28/2025 | 2 B |  | GA | Investment | Refinance - Cash-out - Other | D B C A |  | N/A | No |
| 304705614 | 34145530 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved at origination for commercial blanket policy not being escrowed. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Loan to Value: 64.09396%<br> Guideline Maximum Loan to Value: 75.00000%

# of Properties Completed: 300<br>Debt Service Coverage Ratio: 1.60<br> Guideline Requirement: 1.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 780 | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | xxxx |  |  | 04/28/2025 | 2 B |  | GA | Investment | Refinance - Cash-out - Other | D B C A |  | N/A | No |
| 304705614 | 34145531 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | xxxx | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Loan to Value: 64.09396%<br> Guideline Maximum Loan to Value: 75.00000%

# of Properties Completed: 300<br>Debt Service Coverage Ratio: 1.60<br> Guideline Requirement: 1.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 780 | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | xxxx |  |  | 04/28/2025 | 2 B |  | GA | Investment | Refinance - Cash-out - Other | D B C A |  | N/A | No |
| 304705614 | 34145532 |  | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | xxxx | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Loan to Value: 64.09396%<br> Guideline Maximum Loan to Value: 75.00000%

# of Properties Completed: 300<br>Debt Service Coverage Ratio: 1.60<br> Guideline Requirement: 1.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 780 | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | xxxx |  |  | 04/28/2025 | 2 B |  | GA | Investment | Refinance - Cash-out - Other | D B C A |  | N/A | No |
| 304705614 | 34145533 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to allow sale-leaseback or lease-to-buy provisions within lease agreement. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Loan to Value: 64.09396%<br> Guideline Maximum Loan to Value: 75.00000%

# of Properties Completed: 300<br>Debt Service Coverage Ratio: 1.60<br> Guideline Requirement: 1.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 780 | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | xxxx |  |  | 04/28/2025 | 2 B |  | GA | Investment | Refinance - Cash-out - Other | D B C A |  | N/A | No |
| 304705614 | 34145534 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception at origination to consider subject leased, as rent roll reflects tenant is 30+ days late. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Loan to Value: 64.09396%<br> Guideline Maximum Loan to Value: 75.00000%

# of Properties Completed: 300<br>Debt Service Coverage Ratio: 1.60<br> Guideline Requirement: 1.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 780 | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | xxxx |  |  | 04/28/2025 | 2 B |  | GA | Investment | Refinance - Cash-out - Other | D B C A |  | N/A | No |
| 304705548 | 34145543 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  |  |  | xxxx | 05/27/2025 |  |  | 1 D A |  | TN | Investment | Refinance - Cash-out - Other | D B C A |  | N/A | No |
| 304705548 | 34145544 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 05/27/2025 |  |  | 1 C A D |  | TN | Investment | Refinance - Cash-out - Other | D B C A |  | N/A | No |
| 304705548 | 34145545 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception at origination to allow an as is value less than $100,000. The appraisal reflects the subject as is value as $xxxx. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 115.17<br> Guideline Requirement: 6.00<br>Debt Service Coverage Ratio: 1.97<br> Guideline Requirement: 1.00<br>Guidelines Representative FICO: 700<br> Representative FICO: 772 | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | xxxx |  |  | 05/01/2025 | 2 B |  | TN | Investment | Refinance - Cash-out - Other | D B C A |  | N/A | No |
| 304705548 | 34145546 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception at origination to allow subject value being more than 150% of the median home value. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 115.17<br> Guideline Requirement: 6.00<br>Debt Service Coverage Ratio: 1.97<br> Guideline Requirement: 1.00<br>Guidelines Representative FICO: 700<br> Representative FICO: 772 | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | xxxx |  |  | 05/01/2025 | 2 B |  | TN | Investment | Refinance - Cash-out - Other | D B C A |  | N/A | No |
| 304705548 | 34145547 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | xxxx |  |  |  | xxxx | 05/27/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | D B C A |  | N/A | No |
| 304705630 | 34145568 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Background check reflects guarantor has criminal records that are not categorized. Documentation to verify the criminal records meet guidelines is required. |  |  |  | xxxx | 05/22/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304705538 | 34145572 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | xxxx |  |  |  | xxxx | 05/27/2025 |  |  | 1 C A |  | FL | Investment | Purchase | D A |  | N/A | No |
| 304705538 | 34145573 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | xxxx |  |  |  | xxxx | 05/27/2025 |  |  | 1 D A |  | FL | Investment | Purchase | D A |  | N/A | No |
| 304705572 | 34145589 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception at origination to allow multiple foreclosures over seven years old. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | Reserves: 122.03<br> Guideline Requirement: 6.00

# of Properties Completed: 19 | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | xxxx |  |  | 05/12/2025 | 2 B |  | NC | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 304705572 | 34145591 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx |  |  |  | xxxx | 05/22/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 304705572 | 34145592 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | xxxx |  |  |  | xxxx | 05/29/2025 |  |  | 1 D A |  | NC | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 304705572 | 34145593 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | xxxx | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | Reserves: 122.03<br> Guideline Requirement: 6.00

# of Properties Completed: 19 | SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | xxxx |  |  | 05/27/2025 | 2 C B |  | NC | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 304705539 | 34145604 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception approved at origination to use current purchase price $xxxx instead of QAIV $xxxx. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 129.47<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 748 | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | xxxx |  |  | 05/12/2025 | 2 B |  | PA | Investment | Purchase | B A |  | N/A | No |
| 304750067 | 34197836 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304750463 | 34194281 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304754851 | 34197304 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304749703 | 34204403 |  | 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 $70.00 exceeds tolerance of $60.00 plus 10% or $66.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 08/14/2025 |  | 1 A |  | IL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304749703 | 34204404 |  | 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 $325.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 08/14/2025 |  | 1 A |  | IL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304749703 | 34204405 |  | 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 $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 08/14/2025 |  | 1 A |  | IL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304749703 | 34204406 |  | 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 $96.30 exceeds tolerance of $81.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 08/14/2025 |  | 1 A |  | IL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304749703 | 34204407 |  | 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 Flood Certification (Life Of Loan). Fee Amount of $8.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 08/14/2025 |  | 1 A |  | IL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304749703 | 34204408 |  | 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 Tax Service Fee (Life Of Loan). Fee Amount of $85.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 08/14/2025 |  | 1 A |  | IL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304768211 | 34213449 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304768211 | 34213452 |  | 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 $126.65 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 08/15/2025 |  | 1 A |  | AZ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304764270 | 34213119 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304764084 | 34212370 |  | 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 $2,656.00 exceeds tolerance of $2,383.00 plus 10% or $2,621.30. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 08/15/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304764084 | 34212371 |  | 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 $400.00 exceeds tolerance of $225.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 08/15/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304682447 | 34180107 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | xxxx |  |  |  | xxxx | 04/15/2025 |  |  | 1 C A |  | MO | Investment | Purchase | D A |  | N/A | No |
| 304682447 | 34180108 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | xxxx |  |  |  | xxxx | 04/14/2025 |  |  | 1 D A |  | MO | Investment | Purchase | D A |  | N/A | No |
| 304682447 | 34180109 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | xxxx | 07/01/2025 |  |  | 1 A |  | MO | Investment | Purchase | D A |  | N/A | No |
| 304695634 | 34180124 |  | Credit | Missing Document | General | Missing Document | Missing Document: Explanation Letter not provided |  | xxxx |  |  |  | xxxx | 07/18/2025 |  |  | 1 C A |  | VA | Investment | Purchase | C A |  | N/A | No |
| 304695634 | 34180125 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | xxxx |  |  |  | xxxx | 06/17/2025 |  |  | 1 C A |  | VA | Investment | Purchase | C A |  | N/A | No |
| 304708970 | 34180156 |  | Credit | Missing Document | General | Missing Document | Missing Document: Explanation Letter not provided |  | xxxx |  |  |  | xxxx | 07/18/2025 |  |  | 1 C A |  | IN | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304730126 | 34180161 |  | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  | xxxx |  |  |  | xxxx | 07/25/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| 304734585 | 34180163 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 07/22/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304708982 | 34180165 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | xxxx |  |  |  | xxxx | 07/22/2025 |  |  | 1 C A |  | OK | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304708982 | 34180166 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 07/23/2025 |  |  | 1 C A |  | OK | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304708974 | 34180170 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 07/22/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304708974 | 34180172 |  | Credit | Business Purpose | General | Business Purpose | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx |  |  |  | xxxx | 07/08/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304708974 | 34180173 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The updated 1004D does not reflect the property is tenant occupied as appraisal in file reflects vacant. |  |  |  | xxxx | 07/22/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304734603 | 34180175 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject property is marked vacant and bank statements in file reflect security deposits for the four units however, the loan file is missing evidence of receipt of rents. |  |  |  | xxxx | 07/22/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304730047 | 34180182 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 07/11/2025 |  |  | 1 C A D |  | OH | Investment | Purchase | D A |  | N/A | No |
| 304730047 | 34180183 |  | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | xxxx |  |  |  | xxxx | 07/21/2025 |  |  | 1 C A |  | OH | Investment | Purchase | D A |  | N/A | No |
| 304734630 | 34180187 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 07/16/2025 |  |  | 1 C A D |  | CT | Investment | Purchase | D B A |  | N/A | No |
| 304734630 | 34180188 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | xxxx |  |  |  | xxxx | 07/24/2025 |  |  | 1 C A |  | CT | Investment | Purchase | D B A |  | N/A | No |
| 304734630 | 34180190 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on tape. Property Other<br> Approval granted to proceed w/ pending litigation against HOA related to a slip/fall. Letter in file from HOA stating that their insurance carrier is handling this claim and that the possible monetary payout would not exceed policy limits. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 07/10/2025 | 2 B |  | CT | Investment | Purchase | D B A |  | N/A | No |
| 304750371 | 34180200 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Appraisal transfer letter is provided. Exception approval for the transferred appraisal is found on the UW Narrative and proof of paid invoice required by the exception approval is also provided. |  |  |  | xxxx | 07/14/2025 |  |  | 1 C A |  | VA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304750322 | 34180226 |  | Credit | Missing Document | General | Missing Document | Missing Document: Compliance Agreement not provided |  | xxxx |  |  |  | xxxx | 07/16/2025 |  |  | 1 C A |  | IN | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304750322 | 34180228 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | UW Narrative reflects a Lender Exception was requested for unapproved AMC, xxxx. Exception was approved for the appraisal report which meets the requirement of guideline. |  |  |  | xxxx | 07/16/2025 |  |  | 1 C A |  | IN | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304750330 | 34180234 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 07/16/2025 |  |  | 1 C A D |  | PA | Investment | Purchase | D A |  | N/A | No |
| 304750350 | 34180236 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | xxxx |  |  |  | xxxx | 07/23/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| 304750304 | 34180240 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved to use non-approved AMC, xxxx. Approved to proceed, reviewing the property as Rural based on CFPB and USDA website, as well as Appraisal Comp Distances. Appraisal report meets guideline requirements. |  |  |  | xxxx | 07/16/2025 |  |  | 1 C A |  | SC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304734582 | 34180245 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 07/18/2025 |  |  | 1 C A |  | WV | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304750294 | 34180252 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Appraisal transfer letter is provided. Exception approval for the transferred appraisal is found on the UW Narrative and proof of paid invoice required by the exception approval is also provided. |  |  |  | xxxx | 07/16/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| 304730061 | 34180259 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx |  |  |  | xxxx | 07/18/2025 |  |  | 1 C A |  | IL | Investment | Purchase | C A |  | N/A | No |
| 304734575 | 34180266 |  | Credit | Missing Document | General | Missing Document | Missing Document: Arbitration Agreement not provided |  | xxxx |  |  |  | xxxx | 07/18/2025 |  |  | 1 C A |  | WV | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304734563 | 34180273 |  | Credit | Guideline | Guideline Issue | Guideline | Borrower is a first time home buyer and ineligible per guidelines. |  | xxxx | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 07/21/2025 | 2 C B |  | AL | Investment | Purchase | C B A |  | N/A | No |
| 304734563 | 34180275 |  | Credit | Credit | Credit Eligibility | Credit | Active Tradeline requirement not met. | - Borrower has ___ Active Tradelines which is less than the minimum required by guidelines. | xxxx | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 07/21/2025 | 2 C B |  | AL | Investment | Purchase | C B A |  | N/A | No |
| 304734612 | 34180297 |  | Credit | Missing Document | General | Missing Document | Missing Document: Explanation Letter not provided |  | xxxx |  |  |  | xxxx | 07/23/2025 |  |  | 1 C A |  | CT | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304734606 | 34180302 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Final HUD-1, Line 1006 shows collection of Flood Insurance of $xxxx per month; however, Flood Certificate in file shows Zone X which is not a flood zone and there is no evidence of Flood Insurance Binder in file. |  |  |  | xxxx | 07/24/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 304734606 | 34180303 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 07/23/2025 |  |  | 1 C A D |  | PA | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 304730076 | 34180307 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  | xxxx |  |  |  | xxxx | 07/25/2025 |  |  | 1 C A |  | OH | Investment | Purchase | D A |  | N/A | No |
| 304730076 | 34180308 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | xxxx |  |  |  | xxxx | 07/22/2025 |  |  | 1 D A |  | OH | Investment | Purchase | D A |  | N/A | No |
| 304730076 | 34180309 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 07/22/2025 |  |  | 1 C A D |  | OH | Investment | Purchase | D A |  | N/A | No |
| 304750326 | 34180341 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Exception approval is located on the UW Narrative. Appraisal transfer letter and paid invoice required by the exception approval are provided in the file. |  |  |  | xxxx | 07/21/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| 304750404 | 34180352 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Exception approval is located on the UW Narrative. Appraisal transfer letter and paid invoice required by the exception approval are provided in the file. |  |  |  | xxxx | 07/22/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| 304753763 | 34180358 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | xxxx |  |  |  | xxxx | 07/24/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304730005 | 34180362 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Appraisal transfer letter is provided. Exception approval for the transferred appraisal is found on the UW Narrative and proof of paid invoice required by the exception approval is also provided. |  |  |  | xxxx | 07/22/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| 304730005 | 34180363 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 07/24/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| 304750312 | 34180368 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | xxxx |  |  |  | xxxx | 07/23/2025 |  |  | 1 D A |  | AL | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 304730085 | 34180377 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approval reflects an exception request for a transferred appraisal from broker of record through a non-approved AMC. |  |  |  | xxxx | 07/23/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304734632 | 34180388 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on Tape. Subject property appraised value of $xxxx is below minimum guideline requirement of $75,000. DSCR to remain at 1.6 or higher. DSCR requirement met. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 07/22/2025 | 2 B |  | MI | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304734632 | 34180389 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | xxxx |  |  |  | xxxx | 07/23/2025 |  |  | 1 C A |  | MI | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304750258 | 34180403 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | xxxx | Borrower's Experience/Track Record | Borrower's Experience/Track Record. The borrower has: 4 Years of Experience. | SitusAMC,Originator | xxxx |  |  | 07/22/2025 | 2 B |  | OH | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304750260 | 34180405 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | xxxx | Borrower's Experience/Track Record | Borrower's Experience/Track Record. The borrower has: 4 Years of Experience. | SitusAMC,Originator | xxxx |  |  | 07/22/2025 | 2 B |  | OH | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304750288 | 34180406 |  | Credit | Business Purpose | General | Business Purpose | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx |  |  |  | xxxx | 07/24/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 304750300 | 34180424 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Appraisal transfer letter is provided. Exception approval for the transferred appraisal is found on the UW Narrative and proof of paid invoice required by the exception approval is also provided. |  |  |  | xxxx | 07/24/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| 304700196 | 34224841 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | xxxx |  |  |  | xxxx | 05/28/2025 |  |  | 1 D A |  | SC | Primary | Purchase | D A C | Non QM | Non QM | No |
| 304700196 | 34224842 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Missing The borrower's business ownership percentage must be at least 25%. The ownership percentage must be verified via a CPA/Tax Preparer, Operating Agreement or equivalent. |  |  |  | xxxx | 07/21/2025 |  |  | 1 C A |  | SC | Primary | Purchase | D A C | Non QM | Non QM | No |
| 304700196 | 34224843 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | xxxx |  |  |  | xxxx | 06/11/2025 |  |  | 1 C A |  | SC | Primary | Purchase | D A C | Non QM | Non QM | No |
| 304700196 | 34224846 |  | Credit | Credit | Credit Documentation | Credit | Credit Report Error: Missing source document for credit/housing history. |  | xxxx |  |  |  | xxxx | 06/24/2025 |  |  | 1 C A |  | SC | Primary | Purchase | D A C | Non QM | Non QM | No |
| 304700196 | 34224847 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 07/21/2025 |  |  | 1 A |  | SC | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 304700196 | 34224848 |  | 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. | xxxx |  |  |  | xxxx | 07/21/2025 |  |  | 1 A |  | SC | Primary | Purchase | D A C | Non QM | Non QM | No |
| 304716556 | 34224884 |  | 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. | xxxx |  |  |  | xxxx |  |  | 06/09/2025 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304716556 | 34224888 |  | 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 Desk Review Fee. Fee Amount of $205.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 07/08/2025 |  | 2 C B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304716556 | 34224890 |  | 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 $288.00 exceeds tolerance of $140.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 06/10/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304700854 | 34224929 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | xxxx |  |  |  | xxxx | 07/02/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304700854 | 34224932 |  | 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. | xxxx |  |  |  | xxxx | 07/01/2025 |  |  | 1 C A |  | NC | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| 304700854 | 34224934 |  | 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. | xxxx |  |  |  | xxxx |  |  | 07/02/2025 | 2 B |  | NC | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304711811 | 34224966 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | 1084 or income worksheet is missing in file. |  |  |  | xxxx | 06/30/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304711811 | 34224967 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 06/30/2025 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 304711811 | 34224968 |  | 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. | xxxx |  |  |  | xxxx | 06/30/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304711811 | 34224969 |  | 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. | xxxx |  |  |  | xxxx |  |  | 06/27/2025 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304711811 | 34224970 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  | xxxx |  |  |  | xxxx | 06/30/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304711811 | 34224971 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. |  | xxxx |  |  |  | xxxx | 06/30/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304711811 | 34224972 |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  |  |  |  |  | xxxx | 06/30/2025 |  |  | 1 A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304725132 | 34224974 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | xxxx |  |  |  | xxxx | 07/08/2025 |  |  | 1 D A |  | CA | Primary | Purchase | D B A C | Non QM | Non QM | No |
| 304725132 | 34224977 |  | 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. | xxxx |  |  |  | xxxx | 07/02/2025 |  |  | 1 B A |  | CA | Primary | Purchase | D B A C | Non QM | Non QM | No |
| 304725132 | 34224980 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Broker | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required Broker Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). | xxxx |  |  |  | xxxx |  | 06/30/2025 |  | 2 C B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 304734264 | 34225010 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | xxxx |  |  |  | xxxx | 07/08/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304734264 | 34225012 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx |  |  | 07/01/2025 | 2 B |  | CA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304734264 | 34225013 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |  |  |  | xxxx | 07/08/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304734264 | 34225014 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Did Not Obtain 2 Appraisals) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Flipped Property - Creditor did not obtain two (2) written appraisals. | xxxx |  |  |  | xxxx | 07/08/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304734264 | 34225017 |  | Credit | Property - Appraisal | Property Eligibility - Site and Utilities | Property - Appraisal | Comparables or Comparable adjustments are unreasonable for the value being supported |  | xxxx |  |  |  | xxxx | 07/22/2025 |  |  | 1 A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304709863 | 34225022 |  | 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. | xxxx |  |  |  | xxxx | 07/08/2025 |  |  | 1 B A |  | NC | Primary | Purchase | C A B | Non QM | Non QM | No |
| 304709863 | 34225024 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | xxxx |  |  |  | xxxx | 07/11/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C A B | Non QM | Non QM | No |
| 304726505 | 34225082 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | xxxx |  |  |  | xxxx | 07/10/2025 |  |  | 1 C A |  | OR | Primary | Purchase | C A | Non QM | Non QM | No |
| 304726505 | 34225085 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure xx/xx/xxxx on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | xxxx |  |  |  | xxxx | 07/10/2025 |  |  | 1 C A |  | OR | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Non QM | Non QM | Yes |
| 304730171 | 34225088 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | xxxx |  |  |  | xxxx | 07/09/2025 |  |  | 1 B A |  | NY | Investment | Purchase | B A | N/A | N/A | No |
| 304732770 | 34225099 |  | Compliance | Note | General | Note | Prepayment Penalty Discrepancy | Final TIL / CD indicates loan has PPP, however file does not contain prepayment penalty addendum. Missing prepay data may result in invalid high cost, FNMA, and/or QM points and fees findings. | xxxx |  |  |  | xxxx | 07/08/2025 |  |  | 1 B A |  | WI | Investment | Purchase | B A | N/A | N/A | No |
| 304728790 | 34225108 |  | Compliance | Compliance | Federal Compliance | Compliance | Closing Disclosure Missing Issue Date Material | Closing Disclosure with an estimated issue date of xx/xx/xxxx did not disclose an issue date. Unable to conclusively determine Final Closing Disclosure to use for fees due to missing Issue Date. Any applicable Federal, State or Local compliance testing may be unreliable. Closing Disclosure dated xx/xx/xxxx used to source fees for testing. | xxxx |  |  |  | xxxx | 07/10/2025 |  |  | 1 C A |  | MT | Second Home | Purchase | C A | Non QM | Non QM | No |
| 304728790 | 34225109 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on xx/xx/xxxx did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. | xxxx |  |  |  | xxxx | 07/10/2025 |  |  | 1 C A |  | MT | Second Home | Purchase | Good Faith Redisclosure C A | Non QM | Non QM | Yes |
| 304728790 | 34225111 |  | 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 $165.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 07/02/2025 |  | 1 A |  | MT | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304747503 | 34225113 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $xxxx (2025). FNMA Finance Charge total $xxxx on a Original Loan Amount of $xxxx vs. an allowable total of $xxxx and $xxxx (2025) (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx |  |  | 07/09/2025 | 2 B |  | NV | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | N/A | N/A | Yes |
| 304716561 | 34225148 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | 1084 or income worksheet is missing in file. |  |  |  | xxxx | 07/14/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 304716561 | 34225151 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 07/14/2025 |  |  | 1 B A C |  | GA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 304716561 | 34225152 |  | 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. | xxxx |  |  |  | xxxx | 07/14/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 304716561 | 34225154 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | xxxx |  |  |  | xxxx | 07/18/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Non QM | Yes |
| 304716561 | 34225155 |  | 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/xxxx 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. | xxxx |  |  |  | xxxx | 07/17/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 304717762 | 34225163 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-6,057.90 exceeds tolerance of $-7,628.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 07/17/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304736187 | 34225218 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | xxxx |  |  |  | xxxx | 07/22/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304736187 | 34225219 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided |  | xxxx |  |  |  | xxxx | 07/18/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304736187 | 34225220 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | xxxx |  |  |  | xxxx | 07/18/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304736187 | 34225221 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | xxxx |  |  |  | xxxx | 07/18/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304748394 | 34225240 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $xxxx (2025). FNMA Finance Charge total $xxxx on a Original Loan Amount of $xxxx vs. an allowable total of $xxxx and $xxxx (2025) (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx |  |  | 07/11/2025 | 2 B |  | CA | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | N/A | N/A | Yes |
| 304748394 | 34225241 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Require UW Income Worksheet/1084 for Bank Statement Income for Borrower xxxx as it is missing in file. |  |  |  | xxxx | 07/18/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C B A | N/A | N/A | No |
| 304754955 | 34225250 |  | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. |  | xxxx |  |  |  | xxxx | 07/28/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304754955 | 34225254 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx |  |  | 07/22/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304754955 | 34225257 |  | 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/xxxx 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. | xxxx |  |  |  | xxxx | 07/29/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304754969 | 34225261 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  | xxxx |  |  |  | xxxx | 07/29/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304754969 | 34225265 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Missing business narrative. |  |  |  | xxxx | 07/29/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304754969 | 34225266 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 07/29/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 304754969 | 34225267 |  | 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. | xxxx |  |  |  | xxxx | 07/29/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304754945 | 34225273 |  | 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 $2,587.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 07/30/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304754960 | 34225286 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship Source Documentation was not provided |  | xxxx |  |  |  | xxxx | 07/25/2025 |  |  | 1 B A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304754960 | 34225288 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | xxxx |  |  |  | xxxx | 07/25/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304754960 | 34225290 |  | 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. |  |  |  |  | xxxx | 07/25/2025 |  |  | 1 B A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304754960 | 34225294 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing business narrative. |  |  |  | xxxx | 07/29/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304754960 | 34225295 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 07/29/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 304754960 | 34225296 |  | 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. | xxxx |  |  |  | xxxx | 07/29/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304754953 | 34225302 |  | 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 $317.44 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 07/24/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304754953 | 34225303 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-6,729.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 07/24/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304754953 | 34225306 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Missing business narrative. |  |  |  | xxxx | 07/29/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304754953 | 34225307 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 07/29/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 304754953 | 34225308 |  | 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. | xxxx |  |  |  | xxxx | 07/29/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304754951 | 34225312 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx |  |  | 07/23/2025 | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304754951 | 34225314 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-186.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 07/25/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304754951 | 34225316 |  | 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 $2,213.28 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 07/25/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304754951 | 34225319 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Missing business narrative. |  |  |  | xxxx | 07/29/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304754951 | 34225320 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 07/29/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 304754951 | 34225321 |  | 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. | xxxx |  |  |  | xxxx | 07/29/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304754956 | 34225323 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Loan originated as Primary residence, yet URLA declarations indicates borrower will not occupy. |  | xxxx |  |  |  | xxxx | 07/28/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304754956 | 34225325 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | xxxx |  |  |  | xxxx | 07/25/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304754956 | 34225328 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Missing business narrative. |  |  |  | xxxx | 07/29/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304754956 | 34225329 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 07/29/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 304754956 | 34225330 |  | 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. | xxxx |  |  |  | xxxx | 07/29/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304748470 | 34225338 |  | 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. | xxxx |  |  |  | xxxx | 07/25/2025 |  |  | 1 B A |  | AZ | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304730140 | 34225340 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | xxxx |  |  |  | xxxx | 07/28/2025 |  |  | 1 D A |  | NY | Primary | Purchase | D A | Non QM | Non QM | No |
| 304644036 | 34225367 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | xxxx |  |  |  | xxxx | 04/11/2025 |  |  | 1 C A |  | DC | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304705145 | 34225376 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | xxxx |  |  |  | xxxx | 06/19/2025 |  |  | 1 C A |  | VA | Investment | Purchase | D A |  | N/A | No |
| 304705145 | 34225378 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 06/30/2025 |  |  | 1 C A D |  | VA | Investment | Purchase | D A |  | N/A | No |
| 304684736 | 34225409 |  | Credit | Guideline | Guideline Issue | Guideline | The Guarantor's Percent of Business Ownership does not meet guideline requirements. | - % of Business Ownership: ___ | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 04/26/2025 | 2 C B |  | MA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304684736 | 34225410 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The ID documentation (license, passport, Visa) does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | xxxx |  |  |  | xxxx | 05/02/2025 |  |  | 1 C A |  | MA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304676123 | 34225414 |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | xxxx |  |  |  | xxxx | 04/26/2025 |  |  | 1 C A |  | FL | Investment | Purchase | D B A |  | N/A | No |
| 304676123 | 34225416 |  | Credit | Insurance | Insurance Documentation | Insurance | Flood Insurance Error: Insurance premium was not provided. |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC | xxxx |  |  | 05/09/2025 | 2 C B |  | FL | Investment | Purchase | D B A |  | N/A | No |
| 304676123 | 34225417 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: 95.12<br> Guideline Requirement: 6.00 | Originator,SitusAMC | xxxx |  |  | 05/09/2025 | 2 C B |  | FL | Investment | Purchase | D B A |  | N/A | No |
| 304676123 | 34225418 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  |  |  |  |  | xxxx | 04/26/2025 |  |  | 1 C A |  | FL | Investment | Purchase | D B A |  | N/A | No |
| 304676123 | 34225419 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | xxxx |  |  |  | xxxx | 04/26/2025 |  |  | 1 D A |  | FL | Investment | Purchase | D B A |  | N/A | No |
| 304676123 | 34225420 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Instructions not provided |  |  |  |  |  | xxxx | 04/26/2025 |  |  | 1 C A |  | FL | Investment | Purchase | D B A |  | N/A | No |
| 304676123 | 34225421 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 04/26/2025 |  |  | 1 C A |  | FL | Investment | Purchase | D B A |  | N/A | No |
| 304676123 | 34225422 |  | Credit | Insurance | Insurance Documentation | Insurance | Insurance Policy Expiration Date is less than 30 days of the Note Date and does not have automatic renewal. |  | xxxx |  |  |  | xxxx | 05/07/2025 |  |  | 1 A |  | FL | Investment | Purchase | D B A |  | N/A | No |
| 304676119 | 34225423 |  | Credit | Credit | Credit Documentation | Credit | Valuation Error: Purchase contract price not provided. |  | xxxx |  |  |  | xxxx | 05/16/2025 |  |  | 1 C A |  | VA | Investment | Purchase | D A |  | N/A | No |
| 304676119 | 34225424 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | xxxx |  |  |  | xxxx | 05/07/2025 |  |  | 1 D A |  | VA | Investment | Purchase | D A |  | N/A | No |
| 304705695 | 34225452 |  | Credit | Document Inventory | General | Document Inventory | Final Inspection / 442 does not reflect all required repairs or property completion requirements. |  | xxxx |  |  |  | xxxx | 06/27/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304705695 | 34225455 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | xxxx |  |  |  | xxxx | 06/27/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304702253 | 34225466 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 07/10/2025 |  |  | 1 C A D |  | NJ | Investment | Purchase | D A |  | N/A | No |
| 304727937 | 34225475 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 07/11/2025 |  |  | 1 C A D |  | NC | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| 304727937 | 34225479 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | xxxx |  |  |  | xxxx | 07/01/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| 304727937 | 34225480 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. | xxxx |  |  |  | xxxx |  |  | 06/30/2025 | 2 B |  | NC | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| 304702979 | 34225491 |  | Credit | Collateral | Missing/Incorrect | Collateral | Missing document: Lease on leasehold property is not in file |  | xxxx |  |  |  | xxxx | 06/11/2025 |  |  | 1 C A |  | MD | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304702979 | 34225492 |  | Credit | Guideline | Guideline Issue | Guideline | Leasehold properties are ineligible. |  | xxxx |  |  |  | xxxx | 06/11/2025 |  |  | 1 C A |  | MD | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304703007 | 34225493 |  | 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: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx. PDI reflecting no damage received dated xx/xx/xxxx. | SitusAMC,Originator | xxxx |  |  | 06/10/2025 | 2 C B |  | KY | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304730787 | 34225533 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | xxxx |  |  |  | xxxx | 07/11/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 304730787 | 34225534 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 07/24/2025 |  |  | 1 C A D |  | NC | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 304730787 | 34225537 |  | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  | xxxx |  |  |  | xxxx | 07/11/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 304731046 | 34225564 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  | xxxx |  |  |  | xxxx | 07/16/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304731046 | 34225565 |  | Credit | Missing Document | General | Missing Document | Missing Document: Explanation Letter not provided |  | xxxx |  |  |  | xxxx | 07/17/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304731046 | 34225566 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | xxxx |  |  |  | xxxx | 07/16/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304734735 | 34225570 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Original interest Rate Period of the ARM doesn't meet the guideline parameters. |  | xxxx |  |  |  | xxxx | 07/24/2025 |  |  | 1 A |  | CA | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| 304754946 | 34225598 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | xxxx |  |  |  | xxxx | 07/28/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304732442 | 34235350 |  | Credit | Guideline | Guideline Issue | Guideline | Borrower is a first time home buyer and ineligible per guidelines. |  | xxxx |  |  |  | xxxx | 07/18/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| 304671262 | 34243919 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | xxxx | Borrower's Experience/Track Record | Borrower's Experience/Track Record. The borrower has: "3" Years of Experience. | SitusAMC,Originator | xxxx |  |  | 12/08/2024 | 2 C B |  | CT | Investment | Purchase | C B A |  | N/A | No |
| 304671220 | 34243924 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on Tape. Property zoning compliance is Legal Conforming. Per appraisal, if the property is destroyed beyond 60% it cannot be rebuilt to current footprint. This exception request is approved with Law and Ordinance coverage of 10% of property value. L & O coverage is verified. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Debt Service Coverage Ratio: 2.24<br> Guideline Requirement: 1.00<br>Reserves: 61.92<br> Guideline Requirement: 12.14 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 11/21/2024 | 2 B |  | MI | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304671209 | 34243926 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | xxxx | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Debt Service Coverage Ratio: 1.56<br> Guideline Requirement: 1.00 | Originator,SitusAMC | xxxx |  |  | 11/29/2024 | 2 B |  | MI | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 304671258 | 34281405 |  | Credit | Missing Document | General | Missing Document | Missing Document: Explanation Letter not provided |  | xxxx |  |  |  | xxxx | 10/09/2024 |  |  | 1 C A |  | WV | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304671258 | 34281406 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | xxxx |  |  |  | xxxx | 10/09/2024 |  |  | 1 C A |  | WV | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304671258 | 34281407 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | xxxx |  |  |  | xxxx | 10/10/2024 |  |  | 1 C A |  | WV | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304671233 | 34281412 |  | Credit | Document Inventory | General | Document Inventory | Final Inspection / 442 does not reflect all required repairs or property completion requirements. |  | xxxx | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Debt Service Coverage Ratio: 1.55<br> Guideline Requirement: 1.00<br>Reserves: 14.34<br> Guideline Requirement: 8.11 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 01/17/2025 | 2 C B |  | OH | Investment | Purchase | C B A |  | N/A | No |
| 304671248 | 34281415 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | xxxx |  |  |  | xxxx | 01/07/2025 |  |  | 1 D A |  | LA | Investment | Purchase | D A |  | N/A | No |
| 304730129 | 34281420 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Data compare needs to be addressed. |  |  |  | xxxx | 03/21/2025 |  |  | 1 C A |  | KY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304730129 | 34281421 |  | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement (VRBO, Airbnb, etc.) not provided |  | xxxx |  |  |  | xxxx | 05/05/2025 |  |  | 1 C A |  | KY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304730129 | 34281422 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | xxxx | 06/30/2025 |  |  | 1 A |  | KY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304693340 | 34281429 |  | Credit | Document Inventory | General | Document Inventory | Final Inspection / 442 does not reflect all required repairs or property completion requirements. |  | xxxx |  |  |  | xxxx | 06/23/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 304695662 | 34281435 |  | Credit | Document Inventory | General | Document Inventory | Final Inspection / 442 does not reflect all required repairs or property completion requirements. |  | xxxx |  |  |  | xxxx | 06/05/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 304707044 | 34281439 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | xxxx |  |  |  | xxxx | 06/19/2025 |  |  | 1 D A |  | TX | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 304693295 | 34281442 |  | Credit | Credit | Credit Eligibility | Guideline | Guideline Issue: Derogatory mortgage payments outside of credit guidelines |  | xxxx | 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. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 05/21/2025 | 2 B |  | IL | Investment | Purchase | C B A |  | N/A | No |
| 304693295 | 34281443 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 05/21/2025 |  |  | 1 C A |  | IL | Investment | Purchase | C B A |  | N/A | No |
| 304707031 | 34281445 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | xxxx | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 06/20/2025 | 2 C B |  | GA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304707116 | 34281448 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 06/10/2025 |  |  | 1 C A D |  | NC | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304695733 | 34281450 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx |  |  |  | xxxx | 05/22/2025 |  |  | 1 C A |  | MD | Investment | Purchase | C A |  | N/A | No |
| 304695733 | 34281451 |  | Credit | Guideline | Guideline Issue | Guideline | Leasehold properties are ineligible. |  | xxxx |  |  |  | xxxx | 06/04/2025 |  |  | 1 C A |  | MD | Investment | Purchase | C A |  | N/A | No |
| 304692102 | 34281453 |  | Credit | Document Inventory | General | Document Inventory | Final Inspection / 442 does not reflect all required repairs or property completion requirements. |  | xxxx |  |  |  | xxxx | 06/16/2025 |  |  | 1 C A |  | MI | Investment | Purchase | C A |  | N/A | No |
| 304706945 | 34281455 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | $xxxx Earnest Money deposit shown on Purchase Contract but not credited on Closing Statement. Missing Purchase Contract Addendum removing $xxxx earnest money requirement or revised Closing Statement showing credit. |  |  |  | xxxx | 06/19/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 304709032 | 34281460 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | xxxx | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Borrower's Own Funds Percent: 8.79%<br> Borrower's Own Funds Amount: $xxxx<br>Reserves: 23.91<br> Guideline Requirement: 7.24 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 06/13/2025 | 2 C B |  | NE | Investment | Purchase | C B A |  | N/A | No |
| 304692131 | 34281462 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title commitment and Appraisal indicate subject ownership is Leasehold; however, there is a Grant Rent Redemption Deed in file, dated xx/xx/xxxx and the Commitment reflects that upon recordation of this deed, final title policy will be issued showing property transferred to Fee Simple. |  |  |  | xxxx | 06/04/2025 |  |  | 1 C A |  | MD | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304692131 | 34281463 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | xxxx |  |  |  | xxxx | 05/28/2025 |  |  | 1 C A |  | MD | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304708969 | 34281471 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  |  |  |  |  | xxxx | 06/09/2025 |  |  | 1 C A |  | MO | Investment | Purchase | C A |  | N/A | No |
| 304708969 | 34281472 |  | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | xxxx |  |  |  | xxxx | 05/30/2025 |  |  | 1 C A |  | MO | Investment | Purchase | C A |  | N/A | No |
| 304708969 | 34281473 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The loan file does not document the payoff of the mortgage lien reflected on the title in file of $xxxx. |  |  |  | xxxx | 05/30/2025 |  |  | 1 C A |  | MO | Investment | Purchase | C A |  | N/A | No |
| 304708969 | 34281474 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | xxxx | 06/30/2025 |  |  | 1 A |  | MO | Investment | Purchase | C A |  | N/A | No |
| 304708936 | 34281478 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  | xxxx |  |  |  | xxxx | 05/30/2025 |  |  | 1 C A |  | MO | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304708936 | 34281479 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | xxxx |  |  |  | xxxx | 05/30/2025 |  |  | 1 C A |  | MO | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304706973 | 34281481 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx |  |  |  | xxxx | 05/30/2025 |  |  | 1 C A |  | MO | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304706973 | 34281482 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: 50.53<br> Guideline Requirement: 8.50 | Originator,SitusAMC | xxxx |  |  | 05/28/2025 | 2 B |  | MO | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304706973 | 34281483 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  | xxxx |  |  |  | xxxx | 06/05/2025 |  |  | 1 C A |  | MO | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304706973 | 34281484 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | xxxx |  |  |  | xxxx | 05/30/2025 |  |  | 1 C A |  | MO | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304706950 | 34281489 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | xxxx |  |  |  | xxxx | 06/24/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304708991 | 34281495 |  | Credit | Borrower and Mortgage Eligibility | Credit Eligibility | Borrower and Mortgage Eligibility | Non-permanent Resident Aliens or Foreign Nationals are considered on a case by case basis. Confirm residency requirements with Investor Guidelines. |  | xxxx | Borrower has owned the subject property for at least 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 owned the subject property for at least 5 years.<br>Reserves: 42.26<br> Guideline Requirement: 6.00 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 06/13/2025 | 2 B |  | PA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304708952 | 34281503 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Appraisal transfer letter is provided. Exception approval for the transferred appraisal is found on the UW Narrative and proof of paid invoice required by the exception approval is also provided. |  |  |  | xxxx | 06/05/2025 |  |  | 1 C A |  | MO | Investment | Purchase | C A |  | N/A | No |
| 304708952 | 34281504 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | xxxx | 06/30/2025 |  |  | 1 A |  | MO | Investment | Purchase | C A |  | N/A | No |
| 304693360 | 34281507 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. |  | SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 06/05/2025 | 2 B |  | PA | Investment | Purchase | B A |  | N/A | No |
| 304692142 | 34281509 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject property is vacant. The lease in file does not start until after the subject closing. The loan file does not reflect a rental listing and refinance of property owned > 6 months must be rented at time of appraisal per guidelines. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 06/17/2025 | 2 C B |  | IL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304707047 | 34281512 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on Tape. Lender exception has been requested for the property square feet which is xxxx and not meeting the requirement of 700 per guideline. The lender exception was approved for the property square feet xxxx with the compensating factors of FICO 745. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has owned the subject property for at least 5 years. | Reserves: 66.61<br> Guideline Requirement: 9.18<br>Borrower has owned the subject property for at least 5 years. | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 06/05/2025 | 2 B |  | KS | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304706930 | 34281522 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | xxxx | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Debt Service Coverage Ratio: 1.78<br> Guideline Requirement: 1.00<br>Guidelines Representative FICO: 680<br> Representative FICO: 800 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 06/05/2025 | 2 B |  | MS | Investment | Purchase | B A |  | N/A | No |
| 304695632 | 34281525 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | xxxx | 07/02/2025 |  |  | 1 A |  | MO | Investment | Purchase | A |  | N/A | No |
| 304750274 | 34281538 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The square feet of Unit #3 xxxx sq. ft. and Unit #4 xxxx square feet are less than minimum requirement of 500 on average or 400 with any individual unit. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 06/16/2025 | 2 C B |  | NJ | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304727657 | 34281545 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | xxxx |  |  |  | xxxx | 06/19/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304727657 | 34281546 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | xxxx |  |  |  | xxxx | 06/20/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304724127 | 34281548 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on Tape: Credit report is showing one active tradeline which does not meet the minimum tradeline requirement. Lender exception has been approved to utilize alternative credit. 12 months of xxxx statements. Compensating factors: 30+ months of excess reserves and DSCR > 1.200. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | The DSCR of 1.20 is greater than the minimum required DSCR of 1.00. | SitusAMC<br>Originator | xxxx |  |  | 06/18/2025 | 2 B |  | MI | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304724127 | 34281549 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Credit reflects xxxx #xxxx, paid foreclosure which does not meet the seasoning requirements of 24 months per guidelines. |  |  |  | xxxx | 06/19/2025 |  |  | 1 C A |  | MI | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304727512 | 34281552 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | xxxx |  |  |  | xxxx | 07/11/2025 |  |  | 1 B A |  | NJ | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 304724098 | 34281559 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on Tape. The lender exception has been requested and approved for the appraised value $xxxx which is less than $75,000 as required by guideline with the compensating factors of 791FICO and DSCR >=1.5. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 06/20/2025 | 2 B |  | GA | Investment | Purchase | B A |  | N/A | No |
| 304753801 | 34281561 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 06/24/2025 |  |  | 1 C A |  | IN | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304731993 | 34281576 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx |  |  |  | xxxx | 07/02/2025 |  |  | 1 C A |  | MI | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304731993 | 34281577 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject appraisal indicates property was vacant at the time of inspection. Lease provided however, missing copy of rent check and security deposit. |  |  |  | xxxx | 07/02/2025 |  |  | 1 C A |  | MI | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304731919 | 34281579 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit |  | xxxx | Borrower's Experience/Track Record | Borrower's Experience/Track Record. The borrower has:1 Years of Experience. | SitusAMC | xxxx |  |  | 07/02/2025 | 2 B |  | FL | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 304754629 | 34281584 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 07/30/2025 |  |  | 1 C A |  | WV | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304734638 | 34281593 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception noted on UW Narrative for the property square footage which is xxxx and not meeting the requirement of 700 square feet per guidelines. The lender exception was approved for the property square footage of xxxx. | 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. | 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. | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 07/22/2025 | 2 C B |  | OH | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304734638 | 34281594 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Exception approval for the transferred appraisal is found on the UW Narrative and proof of paid invoice required by the exception approval is also provided however, Appraisal transfer letter is missing. |  |  |  | xxxx | 07/22/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304734638 | 34281595 |  | Credit | Missing Document | General | Missing Document | Missing Document: Appraisal Transfer Letter not provided |  | xxxx |  |  |  | xxxx | 07/28/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304754638 | 34281602 |  | Credit | Document Inventory | General | Document Inventory | Final Inspection / 442 does not reflect all required repairs or property completion requirements. |  | xxxx |  |  |  | xxxx | 07/31/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 304753772 | 34281604 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception has been requested for unapproved AMC xxxx, however the exception has been approved for the appraisal report which meets the requirement of guideline. |  |  |  | xxxx | 07/23/2025 |  |  | 1 C A |  | WI | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304750259 | 34281605 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  | xxxx |  |  |  | xxxx | 08/01/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304750259 | 34281607 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | xxxx | Borrower's Experience/Track Record | Borrower's Experience/Track Record. The borrower has: 4 Years of Experience. | SitusAMC,Originator | xxxx |  |  | 07/22/2025 | 2 B |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304750259 | 34281608 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | xxxx |  |  |  | xxxx | 08/01/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304753769 | 34281612 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 07/29/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304734581 | 34281615 |  | Credit | Missing Document | General | Missing Document | Missing Document: Explanation Letter not provided |  | xxxx |  |  |  | xxxx | 07/31/2025 |  |  | 1 C A |  | IL | Investment | Purchase | C A |  | N/A | No |
| 304750251 | 34281628 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 07/28/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 304750229 | 34281631 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | UW Narrative reflects an Exception approval for xxxx - Appraisal report meets guidelines requirement. |  |  |  | xxxx | 07/28/2025 |  |  | 1 C A |  | KY | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304750399 | 34281639 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal provided reflects a different company as the lender. Exception approval is found on UW Narrative. Appraisal transfer letter and paid invoice required by the exception approval are provided. |  |  |  | xxxx | 07/28/2025 |  |  | 1 C A |  | CT | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304730042 | 34281652 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Originator,SitusAMC | xxxx |  |  | 07/28/2025 | 2 B |  | TN | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 304758698 | 34281662 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Appraisal transfer letter is provided. Exception approval for the transferred appraisal is found on the UW Narrative and proof of paid invoice required by the exception approval is also provided. |  |  |  | xxxx | 07/29/2025 |  |  | 1 C A |  | NC | Investment | Purchase | C A |  | N/A | No |
| 304764199 | 34281667 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | UW Narrative reflects exception approval for request to use unapproved AMC xxxx. Appraisal report meets guidelines requirement. |  |  |  | xxxx | 07/29/2025 |  |  | 1 C A |  | WI | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304750256 | 34281671 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | xxxx |  |  |  | xxxx | 07/30/2025 |  |  | 1 D A |  | IA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304764168 | 34281677 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception approval for non-approved AMC appraisal report meets guidelines requirement is found on UW Narrative |  |  |  | xxxx | 07/30/2025 |  |  | 1 C A |  | LA | Investment | Purchase | C A |  | N/A | No |
| 304759862 | 34281685 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception approved to use unapproved AMC, xxxx. Exception approval is located on the UW Narrative. |  |  |  | xxxx | 07/30/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 304759862 | 34281686 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx |  |  |  | xxxx | 07/30/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 304758727 | 34281692 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on Tape. The lender exception has been requested for the 12 months source of alternative credit. Borrower provided 12 months of Credit card statements of xxxx account which was not reflecting on credit report. The exception was approved to utilize alternative credit to meet the minimum guideline requirement for tradelines with comp factors DSCR>1.400, $xxxx+ in excess reserves. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 07/29/2025 | 2 B |  | MI | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304764143 | 34281709 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | xxxx | 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. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 07/30/2025 | 2 B |  | NJ | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 304764148 | 34281737 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | xxxx |  |  |  | xxxx | 08/04/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 304764148 | 34281738 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | UW Narrative reflects a Lender exception has been requested and approved for the appraisal transfer letter and paid invoice in file. |  |  |  | xxxx | 08/04/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 304759882 | 34281761 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception has been requested for unapproved AMC xxxx, however the exception has been approved for the appraisal report which meets the requirement of guideline. |  |  |  | xxxx | 08/06/2025 |  |  | 1 C A |  | IN | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304724113 | 34281764 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  | xxxx |  |  |  | xxxx | 08/06/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304724113 | 34281765 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Title Preliminary not provided |  |  |  |  |  | xxxx | 08/06/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304764169 | 34281771 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit |  | xxxx | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 08/01/2025 | 2 B |  | MO | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 304759873 | 34281775 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception in tape. Approved to proceed with vacant property owned less than 6 months and utilization of 100% market rent. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower's Experience/Track Record | Borrower's Experience/Track Record. The borrower has: 1 Years of Experience. | SitusAMC<br>SitusAMC | xxxx |  |  | 08/04/2025 | 2 B |  | AL | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 304750410 | 34281781 |  | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement (VRBO, Airbnb, etc.) not provided |  | xxxx |  |  |  | xxxx | 08/06/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304759876 | 34281786 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Appraisal transfer letter is provided. Exception approval for the transferred appraisal is found on the UW Narrative and proof of paid invoice required by the exception approval is also provided. |  |  |  | xxxx | 08/05/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304764223 | 34281787 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Appraisal transfer letter is provided. Exception approval for the transferred appraisal is found on the UW Narrative and proof of paid invoice required by the exception approval is also provided. |  |  |  | xxxx | 08/05/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 304764223 | 34281789 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | xxxx |  |  |  | xxxx | 08/05/2025 |  |  | 1 D A |  | GA | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 304764223 | 34281790 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  | xxxx |  |  |  | xxxx | 08/05/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 304758703 | 34281792 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Appraisal transfer letter is provided. Exception approval for the transferred appraisal is found on the UW Narrative and proof of paid invoice required by the exception approval is also provided. |  |  |  | xxxx | 08/05/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304754642 | 34281809 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx |  |  |  | xxxx | 08/06/2025 |  |  | 1 C A |  | MN | Investment | Purchase | C A |  | N/A | No |
| 304750257 | 34281826 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on tape requested for credit FICO score < minimum credit score 1 point short for 75% LTV. Exception approved with 12 month asset as compensating factors to proceed at 75% LTV with 1 pt FICO miss. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Originator,SitusAMC | xxxx |  |  | 08/05/2025 | 2 B |  | TN | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304758683 | 34281845 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | xxxx |  |  |  | xxxx | 08/08/2025 |  |  | 1 C A |  | IN | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304764217 | 34281852 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Appraisal transfer letter is provided. Exception approval for the transferred appraisal is found on the UW Narrative and proof of paid invoice required by the exception approval is also provided. |  |  |  | xxxx | 08/08/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304764217 | 34281853 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx |  |  |  | xxxx | 08/08/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304767223 | 34281858 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on tape requested and approved for credit report dated xx/xx/xxxx expires on xx/xx/xxxx. 10 day extension provided to accommodate closing. Updated expiration date is xx/xx/xxxx. Loan must close on or prior to xx/xx/xxxx. | 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. | 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. | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 08/07/2025 | 2 B |  | MI | Investment | Purchase | C B A |  | N/A | No |
| 304767223 | 34281859 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception in file approving use of comps outside distance norms. Comps 2, 4 and 6 support local market value. Comps outside of distance are in similar markets and support value based on review of comps in the area. Exception found on UW Narrative. | 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. | 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. | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 08/08/2025 | 2 C B |  | MI | Investment | Purchase | C B A |  | N/A | No |
| 304764240 | 34281862 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | xxxx | 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. | 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. | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 08/07/2025 | 2 B |  | GA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304759867 | 34281870 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Appraisal transfer letter is provided. Exception approval for the transferred appraisal is found on the UW Narrative and proof of paid invoice required by the exception approval is also provided. |  |  |  | xxxx | 08/08/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| 304706952 | 34281880 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on tape approved and requested for credit report expiration date is xx/xx/xxxx. Approved 10-day extension. New expiration sate is xx/xx/xxxx. Loan must close by xx/xx/xxxx. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Originator,SitusAMC | xxxx |  |  | 08/08/2025 | 2 B |  | OK | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 304816442 | 34281884 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx |  |  |  | xxxx | 08/11/2025 |  |  | 1 C A |  | OK | Investment | Purchase | C A |  | N/A | No |
| 304365493 | 34283143 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | xxxx |  |  |  | xxxx | 11/07/2024 |  |  | 1 C A |  | MD | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304365493 | 34283144 |  | Credit | Collateral | Missing/Incorrect | Collateral | Missing document: Lease on leasehold property is not in file |  | xxxx |  |  |  | xxxx | 07/27/2024 |  |  | 1 C A |  | MD | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304365493 | 34283145 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | xxxx |  |  |  | xxxx | 12/10/2024 |  |  | 1 A |  | MD | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304732405 | 34331977 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File is missing the Articles of Organization, Operating Agreement and Certificate of Good standing for xxxx. |  |  |  | xxxx | 07/22/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304732405 | 34331978 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File is missing the OFAC Report for xxxx. |  |  |  | xxxx | 07/22/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304732405 | 34331979 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File is missing the Guidelines required Exception Approval for xxxx. |  |  |  | xxxx | 07/29/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304732405 | 34331980 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  | xxxx |  |  |  | xxxx | 07/22/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304671146 | 34415225 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | xxxx |  |  |  | xxxx | 08/20/2025 |  |  | 1 C A |  | MS | Investment | Purchase | C A |  | N/A | No |
| 304764200 | 34415269 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception has been requested for unapproved AMC xxxx. The exception has been approved for the appraisal report which meets the requirement of guideline. |  |  |  | xxxx | 07/29/2025 |  |  | 1 C A |  | WI | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304764200 | 34415270 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  | xxxx |  |  |  | xxxx | 08/12/2025 |  |  | 1 C A |  | WI | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304764172 | 34415274 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require | ___, and verified reserves are ___. | xxxx |  |  |  | xxxx | 08/19/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304764172 | 34415276 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 08/11/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304764172 | 34415277 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject appraisal indicates property was vacant at the time of inspection. Lease provided, however, missing copy of rent check and security deposit. |  |  |  | xxxx | 08/11/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304764179 | 34415278 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | xxxx |  |  |  | xxxx | 08/15/2025 |  |  | 1 C A |  | IN | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304750332 | 34415288 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | xxxx |  |  |  | xxxx | 08/13/2025 |  |  | 1 D A |  | PA | Investment | Purchase | D A |  | N/A | No |
| 304750214 | 34415295 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  | xxxx |  |  |  | xxxx | 08/07/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304750214 | 34415296 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. |  | xxxx |  |  |  | xxxx | 08/07/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304750214 | 34415297 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 08/18/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304759906 | 34415299 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception has been requested for unapproved AMC xxxx. | 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. | 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. | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 08/11/2025 | 2 C B |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304750236 | 34415313 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require | ___, and verified reserves are ___. | xxxx |  |  |  | xxxx | 08/07/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304750236 | 34415314 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. |  | xxxx |  |  |  | xxxx | 08/07/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304750262 | 34415326 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | xxxx |  |  |  | xxxx | 08/13/2025 |  |  | 1 D A |  | FL | Investment | Purchase | D A |  | N/A | No |
| 304750262 | 34415327 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject appears to be a double closing. Seller on HUD-1 (xxxx) is not the vested owner on title, (xxxx). Please provide HUD-1, warranty deed, and purchase contract from the 1st transaction of the double closing. |  |  |  | xxxx | 08/13/2025 |  |  | 1 C A |  | FL | Investment | Purchase | D A |  | N/A | No |
| 304758711 | 34415345 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on tape. The lender exception has been requested and approved for the appraised value $xxxx which is less than $75,000 as required by guideline with the compensating factors of 791 FICO with additional assets and 6months reserves. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 08/11/2025 | 2 B |  | MO | Investment | Purchase | B A |  | N/A | No |
| 304769999 | 34415356 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | xxxx |  |  |  | xxxx | 08/12/2025 |  |  | 1 D A |  | NC | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304770001 | 34415363 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | xxxx |  |  |  | xxxx | 08/12/2025 |  |  | 1 D A |  | NC | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304770002 | 34415365 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 08/19/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304816428 | 34415436 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | xxxx |  |  |  | xxxx | 08/14/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
| 304750286 | 34415455 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved and requested to use unapproved AMC xxxx. Appraisal reports meets guidelines requirements. |  |  |  | xxxx | 08/15/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304811891 | 34415468 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide signed and dated letter of explanation from guarantor in regards to recent listing on subject dated xx.xx.xxxx as required by guidelines. |  |  |  | xxxx | 08/21/2025 |  |  | 1 C A |  | DE | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304769991 | 34415484 |  | Credit | Missing Document | General | Missing Document | Missing Document: Explanation Letter not provided |  | xxxx |  |  |  | xxxx | 08/19/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304769991 | 34415485 |  | Compliance | Compliance | Miscellaneous Compliance | Compliance | Other Compliance Exception (Manual Add) |  | xxxx |  |  |  | xxxx | 08/15/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | Yes |
| 304767218 | 34415487 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on tape. Lender exception approved to use all month to month leases without prior 12 month lease on 5+ unit property which per guidelines is considered "unleased" with compensating factors: $xxxx in excess reserves. | 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. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 08/14/2025 | 2 B |  | MA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304811985 | 34415489 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Appraisal transfer letter, exception approval, and paid invoice are provided in the file. |  |  |  | xxxx | 08/15/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| 304811970 | 34415491 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | xxxx |  |  |  | xxxx | 08/15/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304812020 | 34415494 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | xxxx | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 08/14/2025 | 2 B |  | NY | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304812030 | 34415521 |  | Credit | Credit | Credit Eligibility | Credit | Active Tradeline requirement not met. |  | xxxx | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 08/15/2025 | 2 B |  | OH | Investment | Purchase | B A |  | N/A | No |
| 304811922 | 34415549 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx |  |  |  | xxxx | 08/20/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304819410 | 34415571 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Appraisal transfer letter is provided. Exception approval for the transferred appraisal is found on the UW Narrative and proof of paid invoice required by the exception approval is also provided. |  |  |  | xxxx | 08/21/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304819410 | 34415573 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  |  |  |  |  | xxxx | 08/22/2025 |  |  | 1 A |  | TN | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304811984 | 34415590 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Exception approval is located on the UW Narrative. Appraisal transfer letter and paid invoice required by the exception approval are provided in the file. |  |  |  | xxxx | 08/21/2025 |  |  | 1 C A |  | MI | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304811984 | 34415591 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 08/21/2025 |  |  | 1 C A |  | MI | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304769965 | 34415595 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | xxxx |  |  |  | xxxx | 08/21/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 304819444 | 34415602 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Exception approval is located on the UW Narrative. Appraisal transfer letter and paid invoice required by the exception approval are provided in the file. |  |  |  | xxxx | 08/21/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| 304812065 | 34415607 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title commitment schedule B #8 reflects mortgages with outstanding balances in the amount of $xxxx. Mortgage payoff on HUD reflects a payoff of $xxxx. Please provide evidence the liens have been released, paid and will not have a negative impact on final title policy. |  |  |  | xxxx | 08/21/2025 |  |  | 1 C A |  | TN | Investment | Purchase | C A |  | N/A | No |
| 304812064 | 34415609 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title commitment schedule B #8 reflects mortgages with outstanding balances in the amount of $xxxx. Mortgage payoff on HUD reflects a payoff of $xxxx. Please provide evidence the liens have been released, paid and will not have a negative impact on final title policy. |  |  |  | xxxx | 08/22/2025 |  |  | 1 C A |  | TN | Investment | Purchase | C A |  | N/A | No |
| 304750414 | 34415632 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Appraisal transfer letter is provided. Exception approval for non-approved AMC is found on the UW Narrative. |  |  |  | xxxx | 08/22/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C B A |  | N/A | No |
| 304750414 | 34415633 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | xxxx | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 08/21/2025 | 2 B |  | OH | Investment | Purchase | C B A |  | N/A | No |
| 304811911 | 34415638 |  | Credit | Missing Document | General | Missing Document | Missing Document: Arbitration Agreement not provided |  | xxxx |  |  |  | xxxx | 08/22/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304721800 | 34444644 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | 1084 or income worksheet and Business Narrative is missing in file, required as per guide. |  |  |  | xxxx | 08/21/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304721800 | 34444645 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | xxxx | 08/07/2025 |  |  | 1 A |  | VA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304721800 | 34444646 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | xxxx |  |  |  | xxxx | 08/28/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304721800 | 34444647 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title policy/commitment does not reflect sufficient title insurance coverage |  | xxxx |  |  |  | xxxx | 08/07/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304721800 | 34444648 |  | 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. | xxxx |  |  |  | xxxx | 07/17/2025 |  |  | 1 B A |  | VA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304721800 | 34444650 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 08/21/2025 |  |  | 1 B A C |  | VA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 304721800 | 34444651 |  | 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. | xxxx |  |  |  | xxxx | 08/21/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304721800 | 34444653 |  | 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 $700.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 07/17/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304721800 | 34444654 |  | 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 Collateral Desktop Analysis. Fee Amount of $90.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 08/06/2025 |  | 2 C B |  | VA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304750005 | 34444665 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | xxxx |  |  |  | xxxx | 07/30/2025 |  |  | 1 D A |  | TX | Primary | Purchase | D A C | Non QM | Non QM | No |
| 304750005 | 34444670 |  | 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 Signing Fee. Fee Amount of $58.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 08/04/2025 |  |  | 1 C A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304754947 | 34444692 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | xxxx |  |  |  | xxxx | 07/28/2025 |  |  | 1 B A |  | GA | Investment | Purchase | C B A | N/A | N/A | No |
| 304754947 | 34444693 |  | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | xxxx | 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 $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) 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 the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | 31 vs 3 | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 08/04/2025 | 2 C B |  | GA | Investment | Purchase | C B A | N/A | N/A | No |
| 304754947 | 34444694 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | xxxx |  |  |  | xxxx | 07/30/2025 |  |  | 1 B A |  | GA | Investment | Purchase | C B A | N/A | N/A | No |
| 304754947 | 34444695 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Missing business narrative. |  |  |  | xxxx | 07/29/2025 |  |  | 1 C A |  | GA | Investment | Purchase | C B A | N/A | N/A | No |
| 304754948 | 34444698 |  | 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. | xxxx |  |  |  | xxxx |  |  | 08/04/2025 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304754948 | 34444699 |  | 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. |  |  |  |  | xxxx | 07/25/2025 |  |  | 1 B A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304754948 | 34444702 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-285.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 07/30/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304754948 | 34444703 |  | 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 $584.64 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 07/30/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304754950 | 34444706 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | xxxx |  |  |  | xxxx | 07/25/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304754950 | 34444707 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | xxxx |  |  |  | xxxx | 07/25/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304754950 | 34444708 |  | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. |  | xxxx |  |  |  | xxxx | 07/25/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304754950 | 34444710 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  | xxxx | 08/07/2025 |  |  | 1 B A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304754950 | 34444711 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx |  |  | 07/23/2025 | 2 B |  | GA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304754950 | 34444712 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Missing business narrative. |  |  |  | xxxx | 07/29/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304754950 | 34444713 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 07/29/2025 |  |  | 1 B A C |  | GA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 304754950 | 34444714 |  | 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. | xxxx |  |  |  | xxxx | 07/29/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304728704 | 34444717 |  | Credit | Missing Document | General | Missing Document | Missing Document: CPA Letter not provided |  | xxxx |  |  |  | xxxx | 07/31/2025 |  |  | 1 C A |  | IA | Second Home | Purchase | C A | Non QM | Non QM | No |
| 304728704 | 34444721 |  | Credit | Missing Document | General | Missing Document | Missing Document: Third Party Verification not provided |  | xxxx |  |  |  | xxxx | 07/31/2025 |  |  | 1 C A |  | IA | Second Home | Purchase | C A | Non QM | Non QM | No |
| 304725210 | 34444724 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | xxxx |  |  |  | xxxx | 07/28/2025 |  |  | 1 D A |  | MI | Primary | Purchase | D A C B | Non QM | Exempt from ATR | No |
| 304725210 | 34444725 |  | 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. | xxxx |  |  |  | xxxx | 07/28/2025 |  |  | 1 B A |  | MI | Primary | Purchase | D A C B | Non QM | Exempt from ATR | No |
| 304725210 | 34444728 |  | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | xxxx |  |  |  | xxxx |  |  | 07/24/2025 | 2 A |  | MI | Primary | Purchase | D A C B | Non QM | Exempt from ATR | No |
| 304725210 | 34444729 |  | Credit | Credit | Credit Documentation | Credit | Credit Report Error: Missing source document for credit/housing history. |  | xxxx |  |  |  | xxxx | 08/05/2025 |  |  | 1 C A |  | MI | Primary | Purchase | D A C B | Non QM | Exempt from ATR | No |
| 304729212 | 34444807 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | xxxx |  |  |  | xxxx | 07/25/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304736121 | 34444818 |  | Credit | Guideline | General | Guideline | DSCR does not meet guideline requirements. |  | xxxx |  |  |  | xxxx | 07/25/2025 |  |  | 1 C A |  | SC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304754959 | 34444820 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) 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 the guideline maximum by at least 10%. | 8 vs 2 | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 08/04/2025 | 2 C B |  | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304754959 | 34444821 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | xxxx |  |  |  | xxxx | 08/08/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304732959 | 34444825 |  | 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. | xxxx |  |  |  | xxxx | 07/31/2025 |  |  | 1 C A |  | ID | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| 304754961 | 34444826 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) 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 the guideline maximum by at least 10%. | 11 vs 2 | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 08/04/2025 | 2 C B |  | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304754961 | 34444828 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 07/30/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304754961 | 34444830 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 07/30/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304754962 | 34444843 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | xxxx |  |  |  | xxxx | 08/04/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304754962 | 34444844 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 07/30/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304754962 | 34444845 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 07/30/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304754962 | 34444846 |  | Credit | Business Purpose | General | Business Purpose | Insufficient funds for Reserves. |  | xxxx |  |  |  | xxxx | 07/28/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304754962 | 34444848 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Primary housing history not provided due to the borrower living rent free. | Miscellaneous<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 1.40 vs 1<br>6 vs 2 | Aggregator<br>SitusAMC,Aggregator | xxxx |  |  | 08/04/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304755002 | 34444857 |  | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. |  | xxxx |  |  |  | xxxx | 08/04/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304703003 | 34444862 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  | xxxx | 05/30/2025 |  |  | 1 D A |  | FL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304703003 | 34444863 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  |  |  |  |  | xxxx | 05/30/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304703003 | 34444865 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | xxxx |  |  |  | xxxx | 05/30/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304703003 | 34444866 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 |  |  |  |  |  | xxxx | 05/30/2025 |  |  | 1 D A |  | FL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304703003 | 34444867 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | xxxx |  |  |  | xxxx | 05/30/2025 |  |  | 1 B A |  | FL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304731056 | 34444900 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | xxxx |  |  |  | xxxx | 08/04/2025 |  |  | 1 D A |  | MI | Primary | Purchase | D B A C | Non QM | Exempt from ATR | No |
| 304731056 | 34444901 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 08/18/2025 |  |  | 1 C A D |  | MI | Primary | Purchase | D B A C | Non QM | Exempt from ATR | No |
| 304731056 | 34444902 |  | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | xxxx |  |  |  | xxxx |  |  | 07/30/2025 | 2 A |  | MI | Primary | Purchase | D B A C | Non QM | Exempt from ATR | No |
| 304731056 | 34444906 |  | 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 Tax Service Fee (Life Of Loan). Fee Amount of $93.50 exceeds tolerance of $90.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 08/07/2025 |  | 2 C B |  | MI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Exempt from ATR | Yes |
| 304736630 | 34444929 |  | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. |  | xxxx |  |  |  | xxxx | 08/14/2025 |  |  | 1 C A |  | NC | Investment | Purchase | D A |  | N/A | No |
| 304736630 | 34444931 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | xxxx |  |  |  | xxxx | 08/04/2025 |  |  | 1 D A |  | NC | Investment | Purchase | D A |  | N/A | No |
| 304736630 | 34444932 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 08/08/2025 |  |  | 1 C A D |  | NC | Investment | Purchase | D A |  | N/A | No |
| 304736630 | 34444933 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  | xxxx |  |  |  | xxxx | 08/04/2025 |  |  | 1 C A |  | NC | Investment | Purchase | D A |  | N/A | No |
| 304736630 | 34444934 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | xxxx |  |  |  | xxxx | 08/14/2025 |  |  | 1 C A |  | NC | Investment | Purchase | D A |  | N/A | No |
| 304765896 | 34444999 |  | 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 ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | SitusAMC | xxxx |  |  | 07/31/2025 | 2 C B |  | SC | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304827002 | 34445021 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | xxxx |  |  |  | xxxx | 07/19/2025 |  |  | 1 C A |  | MD | Investment | Purchase | C A |  | N/A | No |
| 304757833 | 34445024 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | xxxx |  |  |  | xxxx | 08/06/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304827000 | 34445028 |  | Credit | Guideline | Guideline Issue | Guideline | The Guarantor's Percent of Business Ownership does not meet guideline requirements. | - % of Business Ownership: ___ | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 07/21/2025 | 2 C B |  | FL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304756773 | 34445057 |  | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. |  | xxxx |  |  |  | xxxx | 08/15/2025 |  |  | 1 C A |  | NC | Investment | Purchase | C A |  | N/A | No |
| 304756773 | 34445058 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | xxxx |  |  |  | xxxx | 08/15/2025 |  |  | 1 C A |  | NC | Investment | Purchase | C A |  | N/A | Yes |
| 304734244 | 34445066 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | xxxx |  |  |  | xxxx | 08/08/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304732835 | 34445080 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | xxxx |  |  |  | xxxx | 08/08/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304734736 | 34445084 |  | Credit | Guideline | Guideline Issue | Guideline | Housing payment lates are present within 24 months. |  | xxxx |  |  |  | xxxx | 08/13/2025 |  |  | 1 C A |  | MI | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304758950 | 34445093 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | xxxx |  |  |  | xxxx | 08/14/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304703011 | 34445095 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | xxxx |  |  |  | xxxx | 06/05/2025 |  |  | 1 C A |  | FL | Investment | Purchase | D A |  | N/A | No |
| 304703011 | 34445096 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | xxxx |  |  |  | xxxx | 06/05/2025 |  |  | 1 C A |  | FL | Investment | Purchase | D A |  | N/A | No |
| 304703011 | 34445097 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | xxxx |  |  |  | xxxx | 06/05/2025 |  |  | 1 D A |  | FL | Investment | Purchase | D A |  | N/A | No |
| 304703011 | 34445098 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 07/23/2025 |  |  | 1 C A |  | FL | Investment | Purchase | D A |  | N/A | No |
| 304703011 | 34445099 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 07/23/2025 |  |  | 1 C A |  | FL | Investment | Purchase | D A |  | N/A | No |
| 304702973 | 34445103 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject transaction is a purchase: However, appraisal reflects purpose is Refinance. Please provide corrected appraisal reflecting correct loan purpose. |  |  |  | xxxx | 06/16/2025 |  |  | 1 C A |  | DC | Investment | Purchase | C B A |  | N/A | No |
| 304702973 | 34445104 |  | 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 ___. |  | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 07/23/2025 | 2 C B |  | DC | Investment | Purchase | C B A |  | N/A | No |
| 304736418 | 34445127 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. |  | xxxx |  |  |  | xxxx | 07/23/2025 |  |  | 1 C A |  | DC | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304758737 | 34445147 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | xxxx |  |  |  | xxxx | 08/12/2025 |  |  | 1 D A |  | OH | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 304758737 | 34445149 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | xxxx |  |  |  | xxxx | 08/07/2025 |  |  | 1 B A |  | OH | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 304758737 | 34445150 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | xxxx |  |  |  | xxxx | 08/20/2025 |  |  | 1 C A |  | OH | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 304758737 | 34445153 |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not received by borrower within five (5) business days of application. | xxxx |  |  |  | xxxx |  |  | 08/06/2025 | 2 B |  | OH | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 304757481 | 34445156 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 08/28/2025 |  |  | 1 C A |  | NC | Investment | Purchase | C A |  | N/A | No |
| 304757481 | 34445157 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | xxxx |  |  |  | xxxx | 08/27/2025 |  |  | 1 C A |  | NC | Investment | Purchase | C A |  | N/A | No |
| 304768634 | 34445159 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | xxxx |  |  |  | xxxx | 08/26/2025 |  |  | 1 C A |  | VA | Investment | Refinance - Cash-out - Other | C A B |  | N/A | No |
| 304768634 | 34445161 |  | Compliance | Note | General | Note | Prepayment Penalty Discrepancy | Final TIL / CD indicates loan has PPP, however file does not contain prepayment penalty addendum. Missing prepay data may result in invalid high cost, FNMA, and/or QM points and fees findings. | xxxx |  |  |  | xxxx | 08/25/2025 |  |  | 1 B A |  | VA | Investment | Refinance - Cash-out - Other | C A B |  | N/A | No |
| 304766919 | 34445174 |  | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. |  | xxxx |  |  |  | xxxx | 08/27/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 304759542 | 34445179 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  | xxxx |  |  |  | xxxx | 08/08/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304759542 | 34445181 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 08/12/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304759542 | 34445183 |  | 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/xxxx incorrectly disclosed whether the loan will have an escrow account. | xxxx |  |  |  | xxxx |  | 08/08/2025 |  | 2 C B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 304727739 | 34445186 |  | Credit | Guideline | Guideline Issue | Guideline | The Guarantor's Percent of Business Ownership does not meet guideline requirements. | - % of Business Ownership: ___ | xxxx |  |  |  | xxxx | 08/11/2025 |  |  | 1 C A |  | IN | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304720346 | 34445192 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Cost (LTC) on the loan is less than the guideline maximum. | Calculated LTV 70%; Guideline Max LTV: 80% | SitusAMC<br>SitusAMC,Aggregator | xxxx |  |  | 08/11/2025 | 2 C B |  | MD | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304747397 | 34445196 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | xxxx |  |  |  | xxxx | 08/08/2025 |  |  | 1 C A |  | AL | Second Home | Purchase | C A | Non QM | Non QM | No |
| 304702972 | 34445201 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Loan has a Prepayment Penalty and the Prepayment Penalty Rider is missing |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 08/05/2025 | 2 C B |  | NY | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304729990 | 34445204 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | xxxx |  |  |  | xxxx | 08/15/2025 |  |  | 1 D A |  | SC | Second Home | Purchase | D A C | Non QM | Non QM | No |
| 304729990 | 34445205 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Business narrative is required from the borrower to describe the type of business and number of employees. |  |  |  | xxxx | 08/25/2025 |  |  | 1 C A |  | SC | Second Home | Purchase | D A C | Non QM | Non QM | No |
| 304729990 | 34445206 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | xxxx |  |  |  | xxxx | 08/22/2025 |  |  | 1 C A |  | SC | Second Home | Purchase | D A C | Non QM | Non QM | No |
| 304729990 | 34445207 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 08/25/2025 |  |  | 1 B A C |  | SC | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 304729990 | 34445208 |  | 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. | xxxx |  |  |  | xxxx | 08/25/2025 |  |  | 1 C A |  | SC | Second Home | Purchase | D A C | Non QM | Non QM | No |
| 304747514 | 34445213 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | xxxx |  |  |  | xxxx | 08/15/2025 |  |  | 1 D A |  | NC | Second Home | Purchase | D B C A | Non QM | Non QM | No |
| 304747514 | 34445214 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 08/11/2025 |  |  | 1 C A |  | NC | Second Home | Purchase | D B C A | Non QM | Non QM | No |
| 304747514 | 34445215 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | xxxx |  |  |  | xxxx | 08/11/2025 |  |  | 1 C A |  | NC | Second Home | Purchase | D B C A | Non QM | Non QM | No |
| 304747514 | 34445216 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1084 or income worksheet not provided |  | xxxx |  |  |  | xxxx | 08/11/2025 |  |  | 1 C A |  | NC | Second Home | Purchase | D B C A | Non QM | Non QM | No |
| 304747514 | 34445217 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | A business narrative is missing and is required from the borrower. |  |  |  | xxxx | 08/13/2025 |  |  | 1 C A |  | NC | Second Home | Purchase | D B C A | Non QM | Non QM | No |
| 304747514 | 34445218 |  | 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. | xxxx |  |  |  | xxxx | 08/07/2025 |  |  | 1 B A |  | NC | Second Home | Purchase | D B C A | Non QM | Non QM | No |
| 304747514 | 34445219 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx |  |  | 08/06/2025 | 2 B |  | NC | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D B C A | Non QM | Non QM | Yes |
| 304747514 | 34445221 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 08/13/2025 |  |  | 1 B A C |  | NC | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation B C | Non QM | Non QM | Yes |
| 304747514 | 34445222 |  | 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. | xxxx |  |  |  | xxxx | 08/13/2025 |  |  | 1 C A |  | NC | Second Home | Purchase | D B C A | Non QM | Non QM | No |
| 304732709 | 34445247 |  | Credit | Credit | Credit Documentation | Credit | Purchase contract date not provided. |  | xxxx |  |  |  | xxxx | 08/20/2025 |  |  | 1 C A |  | GA | Second Home | Purchase | C A | Non QM | Non QM | No |
| 304745142 | 34445254 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | xxxx |  |  |  | xxxx | 08/12/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304745142 | 34445258 |  | 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 $398.50 exceeds tolerance of $339.00 plus 10% or $372.90. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 08/04/2025 |  | 1 A |  | PA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304749950 | 34445284 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | xxxx |  |  |  | xxxx | 08/14/2025 |  |  | 1 D A |  | TX | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 304749950 | 34445285 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure xx/xx/xxxx on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | xxxx |  |  |  | xxxx | 08/11/2025 |  |  | 1 C A |  | TX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 304749950 | 34445286 |  | 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/xxxx 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. | xxxx |  |  |  | xxxx | 08/11/2025 |  |  | 1 C A |  | TX | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 304749950 | 34445288 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx |  |  | 08/07/2025 | 2 B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D B C A | Non QM | Non QM | Yes |
| 304749950 | 34445289 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | xxxx |  |  |  | xxxx | 08/12/2025 |  |  | 1 C A |  | TX | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 304749950 | 34445290 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | xxxx |  |  |  | xxxx | 08/12/2025 |  |  | 1 C A |  | TX | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 304749950 | 34445291 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | xxxx |  |  |  | xxxx | 08/12/2025 |  |  | 1 C A |  | TX | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 304764439 | 34445395 |  | 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 $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 08/12/2025 |  | 1 A |  | MI | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304769701 | 34445436 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations are incomplete: D. 2. Have you or will you be applying for any new credit (e.g., installment loan, credit card, etc.) on or before closing this loan that is not disclosed on this application? reflects neither Yes nor No. Unable to determine qualification without this information. |  | xxxx |  |  |  | xxxx | 08/25/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| 304769701 | 34445440 |  | 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 $235.00 exceeds tolerance of $109.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 08/28/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |

---

## Exhibit 99.4

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.4**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **Customer Loan ID** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| 304072727 |  | C | A | A | C | B | A | A | B |  |
| 304052332 |  | A |  | A | A | A |  | A | A |  |
| 304320237 |  | A | A | A | A | A | A | A | A |  |
| 304335456 |  | A | A | A | A | A | A | A | A |  |
| 304254580 |  | C | C | A | C | A | A | A | A |  |
| 304327719 |  | A | A | A | A | A | A | A | A |  |
| 304333667 |  | A | A | A | A | A | A | A | A |  |
| 304371735 |  | A | A | A | A | A | A | A | A |  |
| 304392264 |  | A | B | A | B | A | A | A | A |  |
| 303760022 |  | C D |  | A | C D | A |  | A | A |  |
| 304396173 |  | A | B | A | B | A | B | A | B |  |
| 304405110 |  | C | C | A | C | B | A | A | B |  |
| 304418508 |  | C | C | A | C | A | B | A | B |  |
| 304422681 |  | C | C | A | C | A | B | A | B |  |
| 304398759 |  | C |  | A | C | B |  | A | B |  |
| 304425606 |  | A | A | A | A | A | A | A | A |  |
| 304444752 |  | A | A | A | A | A | A | A | A |  |
| 304428309 |  | C |  | A | C | B |  | A | B |  |
| 304458652 |  | A | A | A | A | A | A | A | A |  |
| 304438710 |  | A | B | A | B | A | A | A | A |  |
| 304438702 |  | A | A | A | A | A | A | A | A |  |
| 304441859 |  | A | A | A | A | A | A | A | A |  |
| 304462404 |  | A | A | A | A | A | A | A | A |  |
| 304459326 |  | B | A | A | B | B | A | A | B |  |
| 304427413 |  | A | B | A | B | A | B | A | B |  |
| 304420614 |  | C |  | A | C | A |  | A | A |  |
| 304462218 |  | A |  | A | A | A |  | A | A |  |
| 304492630 |  | B | C | A | C | B | A | A | B |  |
| 304462231 |  | C |  | A | C | B |  | A | B |  |
| 304476698 |  | A |  | A | A | A |  | A | A |  |
| 304405499 |  | C |  | A | C | B |  | A | B |  |
| 304421506 |  | C D |  | A | C D | B |  | A | B |  |
| 304633029 |  | A | C | A | C | A | B | A | B |  |
| 304486456 |  | A | B | A | B | A | B | A | B |  |
| 304492387 |  | A | B | A | B | A | B | A | B |  |
| 304485207 |  | A | A | A | A | A | A | A | A |  |
| 304637111 |  | A | C | A | C | A | A | A | A |  |
| 304643260 |  | C | B | A | C | B | B | A | B |  |
| 304666623 |  | A | B | A | B | A | B | A | B |  |
| 304666619 |  | C | B | A | C | A | B | A | B |  |
| 304666654 |  | A | A | A | A | A | A | A | A |  |
| 304666663 |  | A | C | A | C | A | A | A | A |  |
| 304666655 |  | A |  | A | A | A |  | A | A |  |
| 304498523 |  | A | A | A | A | A | A | A | A |  |
| 304654925 |  | A | C | A | C | A | B | A | B |  |
| 304643474 |  | A | C | A | C | A | B | A | B |  |
| 304643456 |  | A | B | A | B | A | B | A | B |  |
| 304641635 |  | A | B | A | B | A | B | A | B |  |
| 304654880 |  | A | C | A | C | A | A | A | A |  |
| 304654874 |  | A | C | A | C | A | B | A | B |  |
| 304665303 |  | A | C | A | C | A | B | A | B |  |
| 304680564 |  | C | C | A | C | A | B | A | B |  |
| 304665301 |  | B | B | A | B | B | B | A | B |  |
| 304641239 |  | A | C | A | C | A | A | A | A |  |
| 304643365 |  | B | C | A | C | B | A | A | B |  |
| 304667721 |  | A | C | A | C | A | B | A | B |  |
| 304632450 |  | C D |  | A | C D | B |  | A | B |  |
| 304654916 |  | A | A | A | A | A | A | A | A |  |
| 304643473 |  | C | B | A | C | A | B | A | B |  |
| 304685766 |  | A | B | A | B | A | B | A | B |  |
| 304684616 |  | A | C | A | C | A | B | A | B |  |
| 304679240 |  | A | A | A | A | A | A | A | A |  |
| 304510480 |  | C |  | A | C | A |  | A | A |  |
| 304685308 |  | A | C | A | C | A | A | A | A |  |
| 304687287 |  | A | B | A | B | A | B | A | B |  |
| 304680597 |  | A | C | A | C | A | B | A | B |  |
| 304687207 |  | A | C | A | C | A | B | A | B |  |
| 304682497 |  | B |  | A | B | B |  | A | B |  |
| 304681443 |  | A |  | A | A | A |  | A | A |  |
| 304685810 |  | A | A | A | A | A | A | A | A |  |
| 304688549 |  | B | C | A | C | B | A | A | B |  |
| 304698168 |  | A | C | A | C | A | B | A | B |  |
| 304643520 |  | C | A | A | C | A | A | A | A |  |
| 304666687 |  | B | C | A | C | A | B | A | B |  |
| 304674475 |  | A | A | D | D | A | A | A | A |  |
| 304393227 |  | C D |  | A | C D | B |  | A | B |  |
| 304685226 |  | A | C | A | C | A | B | A | B |  |
| 304688551 |  | B | C | A | C | B | B | A | B |  |
| 304695095 |  | A | C | A | C | A | A | A | A |  |
| 304683331 |  | A | A | A | A | A | A | A | A |  |
| 304688308 |  | A | C | A | C | A | B | A | B |  |
| 304700943 |  | B | A | A | B | B | A | A | B |  |
| 304705670 |  | A | A | A | A | A | A | A | A |  |
| 304697046 |  | A | A | A | A | A | A | A | A |  |
| 304700638 |  | A | A | A | A | A | A | A | A |  |
| 304698164 |  | A | A | A | A | A | A | A | A |  |
| 304694161 |  | A | A | A | A | A | A | A | A |  |
| 304697048 |  | A | A | A | A | A | A | A | A |  |
| 304698301 |  | A | C | A | C | A | A | A | A |  |
| 304700223 |  | A | A | A | A | A | A | A | A |  |
| 304705476 |  | B | C | A | C | B | B | A | B |  |
| 304704847 |  | C | C | A | C | A | A | A | A |  |
| 304700347 |  | A | A | D | D | A | A | A | A |  |
| 304700936 |  | A | C | A | C | A | A | A | A |  |
| 304694075 |  | A |  | A | A | A |  | A | A |  |
| 304700941 |  | A | A | A | A | A | A | A | A |  |
| 304702306 |  | C | A | A | C | B | A | A | B |  |
| 304698309 |  | A | A | A | A | A | A | A | A |  |
| 304700939 |  | A | B | A | B | A | B | A | B |  |
| 304694178 |  | A | B | A | B | A | B | A | B |  |
| 304707906 |  | A | B | A | B | A | B | A | B |  |
| 304699171 |  | A |  | A | A | A |  | A | A |  |
| 304699133 |  | A | A | A | A | A | A | A | A |  |
| 304695750 |  | A | A | A | A | A | A | A | A |  |
| 304704515 |  | A | A | A | A | A | A | A | A |  |
| 304700640 |  | A | B | A | B | A | B | A | B |  |
| 304688310 |  | D | B | A | D | A | B | A | B |  |
| 304700222 |  | A | A | A | A | A | A | A | A |  |
| 304699531 |  | C | B | A | C | B | B | A | B |  |
| 304700134 |  | A | A | A | A | A | A | A | A |  |
| 304701057 |  | A | C | A | C | A | A | A | A |  |
| 304693576 |  | A |  | A | A | A |  | A | A |  |
| 304693873 |  | A | A | A | A | A | A | A | A |  |
| 304705758 |  | A | C | A | C | A | B | A | B |  |
| 304695745 |  | A | A | A | A | A | A | A | A |  |
| 304707672 |  | B | A | A | B | B | A | A | B |  |
| 304710323 |  | A | A | A | A | A | A | A | A |  |
| 304692194 |  | A | C | A | C | A | A | A | A |  |
| 304710913 |  | A | B | A | B | A | B | A | B |  |
| 304695027 |  | C | C | A | C | A | A | A | A |  |
| 304699612 |  | A | A | A | A | A | A B | A | A B |  |
| 304705703 |  | A | C | A | C | A | B | A | B |  |
| 304710317 |  | A |  | A | A | A |  | A | A |  |
| 304688300 |  | C | C | A | C | A | B | A | B |  |
| 304693611 |  | A | A | A | A | A | A | A | A |  |
| 304694160 |  | A | A | A | A | A | A | A | A |  |
| 304695756 |  | A | C | A | C | A | A | A | A |  |
| 304709713 |  | C | C | A | C | B | A | A | B |  |
| 304682492 |  | C |  | A | C | A |  | A | A |  |
| 304693275 |  | A |  | A | A | A |  | A | A |  |
| 304707265 |  | A |  | A | A | A |  | A | A |  |
| 304707261 |  | A |  | A | A | A |  | A | A |  |
| 304695635 |  | D |  | A | D | A |  | A | A |  |
| 304693209 |  | A |  | A | A | A |  | A | A |  |
| 304710724 |  | A | C | A | C | A | B | A | B |  |
| 304710371 |  | A | A | A | A | A | A | A | A |  |
| 304711571 |  | A | A | A | A | A | A | A | A |  |
| 304702319 |  | A | C | A | C | A | B | A | B |  |
| 304720399 |  | A | A | A | A | A | A | A | A |  |
| 304720402 |  | A | A | A | A | A | A | A | A |  |
| 304720451 |  | A | A | A | A | A | A | A | A |  |
| 304720435 |  | A | B | A | B | A | B | A | B |  |
| 304720437 |  | C | A | A | C | B | A | A | B |  |
| 304720401 |  | A | A | A | A | A | A | A | A |  |
| 304720410 |  | B | A | A | B | B | A | A | B |  |
| 304720487 |  | A | A | A | A | A | A | A | A |  |
| 304720485 |  | A | A | A | A | A | A | A | A |  |
| 304720408 |  | A | B | A B | B | A | B | A B | B |  |
| 304720420 |  | A | A | A | A | A | A | A | A |  |
| 304720422 |  | A | A | A | A | A | A | A | A |  |
| 304720433 |  | A | B | A | B | A | A | A | A |  |
| 304720449 |  | C | C | A | C | B | A | A | B |  |
| 304720427 |  | A | A | A | A | A | A | A | A |  |
| 304720407 |  | A | B | A | B | A | B | A | B |  |
| 304720415 |  | A | A | A | A | A | A | A | A |  |
| 304720405 |  | C | C | A | C | B | B | A | B |  |
| 304720477 |  | A | B | A | B | A | B | A | B |  |
| 304720425 |  | A | B | A | B | A | B | A | B |  |
| 304720429 |  | A | B | A | B | A | B | A | B |  |
| 304720488 |  | A | A | D | D | A | A | A | A |  |
| 304720478 |  | A | A | A | A | A | A | A | A |  |
| 304720474 |  | A | A | A | A | A | B | A | B |  |
| 304720453 |  | A | A | A | A | A | A | A | A |  |
| 304720400 |  | A | A | A | A | A | A | A | A |  |
| 304720482 |  | C | B | A | C | A | B | A | B |  |
| 304720455 |  | A | B | A | B | A | B | A | B |  |
| 304720458 |  | A | A | A | A | A | A | A | A |  |
| 304720500 |  | A | A | A | A | A | A | A | A |  |
| 304720396 |  | A | C | A | C | A | B | A | B |  |
| 304720496 |  | A | B | A | B | A | B | A | B |  |
| 304720426 |  | A | C | A | C | A | B | A | B |  |
| 304720412 |  | C | A | A | C | B | A | A | B |  |
| 304720490 |  | A | A | A | A | A | A | A | A |  |
| 304720424 |  | B |  | A | B | B |  | A | B |  |
| 304720416 |  | C |  | A | C | B |  | A | B |  |
| 304720497 |  | A |  | A | A | A |  | A | A |  |
| 304720428 |  | A |  | A | A | A |  | A | A |  |
| 304720423 |  | A |  | A | A | A |  | A | A |  |
| 304720460 |  | C |  | A | C | A |  | A | A |  |
| 304720492 |  | C |  | A | C | A |  | A | A |  |
| 304702909 |  | C | C | D | D | B | A | A | B |  |
| 304678744 |  | A | B | A | B | A | B | A | B |  |
| 304711718 |  | A | C | A | C | A | B | A | B |  |
| 304692019 |  | B | A | A | B | B | A | A | B |  |
| 304707945 |  | B | B | A | B | B | B | A | B |  |
| 304702307 |  | C | A | A | C | A | A | A | A |  |
| 304710911 |  | A | A | A | A | A | A | A | A |  |
| 304701033 |  | A | B | A | B | A | B | A | B |  |
| 304705667 |  | A | A | A | A | A | A | A | A |  |
| 304693401 |  | A | B | A | B | A | B | A | B |  |
| 304710322 |  | A | A | A | A | A | A | A | A |  |
| 304711573 |  | A | A | A | A | A | A | A | A |  |
| 304710674 |  | A | A | A | A | A | A | A | A |  |
| 304704970 |  | A | B | A | B | A | B | A | B |  |
| 304698297 |  | A | A | A | A | A | A | A | A |  |
| 304700234 |  | A | B | A | B | A | B | A | B |  |
| 304711713 |  | A | B | A | B | A | B | A | B |  |
| 304702566 |  | A | C | A | C | A | B | A | B |  |
| 304700128 |  | A | A | A | A | A | A | A | A |  |
| 304705671 |  | A | B | A | B | A | B | A | B |  |
| 304707072 |  | C |  | A | C | A |  | A | A |  |
| 304706936 |  | A |  | A | A | A |  | A | A |  |
| 304695685 |  | C |  | A | C | B |  | A | B |  |
| 304709019 |  | A |  | A | A | A |  | A | A |  |
| 304709036 |  | B |  | A | B | B |  | A | B |  |
| 304708944 |  | A |  | A | A | A |  | A | A |  |
| 304702078 |  | A |  | A | A | A |  | A | A |  |
| 304707914 |  | A | A | A | A | A | A | A | A |  |
| 304702318 |  | A | A | A | A | A | A | A | A |  |
| 304695752 |  | A | A | A | A | A | A | A | A |  |
| 304705668 |  | B | A | A | B | B | A | A | B |  |
| 304702045 |  | A | C | A | C | A | A | A | A |  |
| 304707680 |  | A | A | A | A | A | A | A | A |  |
| 304712261 |  | A | B | A | B | A | B | A | B |  |
| 304700360 |  | A | A | A | A | A | A | A | A |  |
| 304710675 |  | B | A | A | B | B | A | A | B |  |
| 304719435 |  | A | B | A | B | A | B | A | B |  |
| 304709712 |  | A | C | D | D | A | B | A | B |  |
| 304708845 |  | C | B | A | C | B | B | A | B |  |
| 304707173 |  | B | C | A | C | B | A | A | B |  |
| 304715496 |  | A | A | A | A | A | A | A | A |  |
| 304716869 |  | A | B | A | B | A | B | A | B |  |
| 304726667 |  | A | C | A | C | A | B | A | B |  |
| 304716629 |  | A | B | A | B | A | B | A | B |  |
| 304721833 |  | A | B | A | B | A | B | A | B |  |
| 304709880 |  | A | A | A | A | A | A | A | A |  |
| 304704969 |  | B | A | A | B | B | A | A | B |  |
| 304716520 |  | A | A | A | A | A | A | A | A |  |
| 304711716 |  | A | A | A | A | A | A | A | A |  |
| 304722381 |  | B | A | A | B | B | A | A | B |  |
| 304705762 |  | A | B | A | B | A | B | A | B |  |
| 304722295 |  | A | A | A | A | A | A | A | A |  |
| 304699599 |  | B | A | A | B | B | A | A | B |  |
| 304717989 |  | A | A | A | A | A | A | A | A |  |
| 304710714 |  | A | A | A | A | A | A | A | A |  |
| 304710713 |  | A | A | A | A | A | A B | A | A B |  |
| 304722390 |  | A | B | A | B | A | B | A | B |  |
| 304715506 |  | A | B | A | B | A | B | A | B |  |
| 304707686 |  | A | B | A | B | A | B | A | B |  |
| 304707897 |  | C | C | A | C | A | A B | A | A B |  |
| 304702288 |  | A | B | A | B | A | B | A | B |  |
| 304711632 |  | A | C | A | C | A | B | A | B |  |
| 304710938 |  | A | A | A | A | A | A | A | A |  |
| 304724705 |  | A | A | A | A | A | A | A | A |  |
| 304663387 |  | C | B | A | C | A | A | A | A |  |
| 304700165 |  | A | A | A | A | A | A | A | A |  |
| 304642529 |  | C | B | A | C | A | B | A | B |  |
| 304682493 |  | A |  | A | A | A |  | A | A |  |
| 304682426 |  | A |  | A | A | A |  | A | A |  |
| 304692124 |  | A |  | A | A | A |  | A | A |  |
| 304693310 |  | A |  | A | A | A |  | A | A |  |
| 304693207 |  | C |  | A | C | A |  | A | A |  |
| 304724766 |  | A | C | A | C | A | A B | A | A B |  |
| 304712255 |  | A | A | A | A | A | A | A | A |  |
| 304711672 |  | A | A | A | A | A | A | A | A |  |
| 304711623 |  | A | C | A | C | A | B | A | B |  |
| 304721826 |  | C | C | A | C | A | A | A | A |  |
| 304724178 |  | A | A | A | A | A | A | A | A |  |
| 304681134 |  | A | A | A | A | A | A | A | A |  |
| 304722403 |  | A | B | A | B | A | B | A | B |  |
| 304715559 |  | A | C | A | C | A | A | A | A |  |
| 304724717 |  | A | C | A | C | A | B | A | B |  |
| 304716592 |  | A | C | A | C | A | B | A | B |  |
| 304725171 |  | A | B | A | B | A | B | A | B |  |
| 304725177 |  | C | A | A | C | A | A | A | A |  |
| 304705453 |  | A | A | A | A | A | A | A | A |  |
| 304712260 |  | A | B | A | B | A | B | A | B |  |
| 304711798 |  | A | A | A | A | A | A | A | A |  |
| 304716915 |  | A | A | A | A | A | A | A | A |  |
| 304686597 |  | B | C | A | C | B | A | A | B |  |
| 304510430 |  | C |  | A | C | B |  | A | B |  |
| 304510431 |  | C |  | A | C | B |  | A | B |  |
| 304510432 |  | D |  | A | D | B |  | A | B |  |
| 304707077 |  | C |  | A | C | A |  | A | A |  |
| 304693267 |  | C |  | A | C | B |  | A | B |  |
| 304706931 |  | A |  | A | A | A |  | A | A |  |
| 304709040 |  | A |  | A | A | A |  | A | A |  |
| 304706921 |  | C |  | A | C | A |  | A | A |  |
| 304708981 |  | A |  | A | A | A |  | A | A |  |
| 304693284 |  | D |  | A | D | A |  | A | A |  |
| 304693350 |  | B |  | A | B | B |  | A | B |  |
| 304708957 |  | A |  | A | A | A |  | A | A |  |
| 304706910 |  | A |  | A | A | A |  | A | A |  |
| 304708980 |  | C |  | A | C | A |  | A | A |  |
| 304708967 |  | A |  | A | A | A |  | A | A |  |
| 304709031 |  | C |  | A | C | A |  | A | A |  |
| 304682435 |  | C |  | A | C | A |  | A | A |  |
| 304695743 |  | C |  | A | C | A |  | A | A |  |
| 304708931 |  | C D |  | A | C D | A |  | A | A |  |
| 304709030 |  | A |  | A | A | A |  | A | A |  |
| 304706938 |  | A |  | A | A | A |  | A | A |  |
| 304707052 |  | A |  | A | A | A |  | A | A |  |
| 304709006 |  | C |  | A | C | A |  | A | A |  |
| 304707013 |  | A |  | A | A | A |  | A | A |  |
| 304706985 |  | A |  | A | A | A |  | A | A |  |
| 304709000 |  | A |  | A | A | A |  | A | A |  |
| 304693235 |  | A |  | A | A | A |  | A | A |  |
| 304708940 |  | C |  | A | C | A |  | A | A |  |
| 304709008 |  | C |  | A | C | A |  | A | A |  |
| 304708929 |  | A |  | A | A | A |  | A | A |  |
| 304708918 |  | A |  | A | A | A |  | A | A |  |
| 304693355 |  | C |  | A | C | B |  | A | B |  |
| 304707014 |  | C |  | A | C | A |  | A | A |  |
| 304708998 |  | C |  | A | C | B |  | A | B |  |
| 304709011 |  | A |  | A | A | A |  | A | A |  |
| 304706980 |  | A |  | A | A | A |  | A | A |  |
| 304706974 |  | A |  | A | A | A |  | A | A |  |
| 304706940 |  | A |  | A | A | A |  | A | A |  |
| 304707041 |  | A |  | A | A | A |  | A | A |  |
| 304681479 |  | A |  | A | A | A |  | A | A |  |
| 304707088 |  | A |  | A | A | A |  | A | A |  |
| 304708997 |  | A |  | A | A | A |  | A | A |  |
| 304706905 |  | A |  | A | A | A |  | A | A |  |
| 304693192 |  | A |  | A | A | A |  | A | A |  |
| 304708976 |  | A |  | A | A | A |  | A | A |  |
| 304674657 |  | B | B | A | B | B | B | A | B |  |
| 304712244 |  | A | A | A | A | A | A | A | A |  |
| 304724174 |  | A | B | A | B | A | B | A | B |  |
| 304711678 |  | B |  | A | B | B |  | A | B |  |
| 304728249 |  | C | A | A | C | B | A | A | B |  |
| 304712259 |  | A | C | A | C | A | A | A | A |  |
| 304726358 |  | A | A | A | A | A | A | A | A |  |
| 304712985 |  | B | B | A | B | B | B | A | B |  |
| 304726359 |  | A | C | A | C | A | B | A | B |  |
| 304719449 |  | A | B | A | B | A | B | A | B |  |
| 304728740 |  | A | A | A | A | A | A | A | A |  |
| 304729020 |  | A | C | A | C | A | A | A | A |  |
| 304724704 |  | B | A | A | B | B | A | A | B |  |
| 304715505 |  | A | C | A | C | A | B | A | B |  |
| 304720747 |  | A | C | A | C | A | A | A | A |  |
| 304724716 |  | C | A | A | C | B | A | A | B |  |
| 304724384 |  | B | B | A | B | B | B | A | B |  |
| 304731827 |  | B | B | A | B | B | B | A | B |  |
| 304728019 |  | A | A | A | A | A | A | A | A |  |
| 304727785 |  | A | A | A | A | A | A | A | A |  |
| 304732116 |  | A | A | A | A | A | A | A | A |  |
| 304721807 |  | A | C | A | C | A | B | A | B |  |
| 304727853 |  | A | A | A | A | A | A | A | A |  |
| 304711673 |  | A | A | A | A | A | A | A | A |  |
| 304716857 |  | A | C | A | C | A | A | A | A |  |
| 304716909 |  | A |  | A | A | A |  | A | A |  |
| 304730671 |  | A | B C | A | B C | A | B | A | B |  |
| 304728643 |  | A | A | A | A | A | A | A | A |  |
| 304732850 |  | B | B | A | B | B | B | A | B |  |
| 304728013 |  | C | C | A | C | A | B | A | B |  |
| 304721878 |  | A | A | A | A | A | A | A | A |  |
| 304732792 |  | A | B | A | B | A | B | A | B |  |
| 304725176 |  | C | B | A | C | A | B | A | B |  |
| 304712294 |  | B | B | A | B | B | B | A | B |  |
| 304707168 |  | A | A | A | A | A | A | A | A |  |
| 304745124 |  | A | B | A | B | A | B | A | B |  |
| 304731814 |  | A | B | A | B | A | B | A | B |  |
| 304726353 |  | B | A | C | C | B | A | A | B |  |
| 304730271 |  | A | B | A | B | A | B | A | B |  |
| 304731812 |  | A | C | A | C | A | B | A | B |  |
| 304732968 |  | A | B | A | B | A | B | A | B |  |
| 304727121 |  | A | A | A | A | A | A | A | A |  |
| 304734213 |  | A | B | A | B | A | B | A | B |  |
| 304726416 |  | A | A | A | A | A | A | A | A |  |
| 304730783 |  | C | B | A | C | B | B | A | B |  |
| 304728020 |  | A | C | A | C | A | B | A | B |  |
| 304734768 |  | A | A | A | A | A | A | A | A |  |
| 304732970 |  | A | B | A | B | A | B | A | B |  |
| 304730751 |  | A | B | A | B | A | B | A | B |  |
| 304709886 |  | A | A | A | A | A | A | A | A |  |
| 304732695 |  | A | B | A | B | A | B | A | B |  |
| 304716589 |  | B | C | A | C | B | B | A | B |  |
| 304728002 |  | A | A | A | A | A | A | A | A |  |
| 304728736 |  | A | B | A | B | A | B | A | B |  |
| 304726463 |  | A | B | A | B | A | B | A | B |  |
| 304728731 |  | A | A | A | A | A | A | A | A |  |
| 304730674 |  | B | A | A | B | B | A | A | B |  |
| 304726351 |  | A | A | D | D | A | A | A | A |  |
| 304728245 |  | A | A | A | A | A | A | A | A |  |
| 304732789 |  | A | A | A | A | A | A | A | A |  |
| 304643519 |  | C D | B | A | C D | A | B | A | B |  |
| 304678347 |  | C | A | A | C | B | A | A | B |  |
| 304694852 |  | C | C | A | C | A | A | A | A |  |
| 304693597 |  | C | B | A | C | A | B | A | B |  |
| 304699210 |  | C | A | A | C | A | A | A | A |  |
| 304694074 |  | C | C | D | D | A | B | A | B |  |
| 304694136 |  | C | A | A | C | A | A | A | A |  |
| 304694257 |  | A | A | A | A | A | A | A | A |  |
| 304710288 |  | C | A | A | C | B | A | A | B |  |
| 304696972 |  | C | A | A | C | A | A | A | A |  |
| 304707160 |  | A | B | A | B | A | A | A | A |  |
| 304705783 |  | A | A | A | A | A | A | A | A |  |
| 304393226 |  | C D |  | A | C D | B |  | A | B |  |
| 304693478 |  | B | A | C | C | A | A | A | A |  |
| 304702291 |  | C | A | A | C | B | A | A | B |  |
| 304715539 |  | A | A | A | A | A | A | A | A |  |
| 304705696 |  | B | B | A | B | A | B | A | B |  |
| 304712235 |  | C | C | A | C | A | A | A | A |  |
| 304686672 |  | C | A | A | C | A | A | A | A |  |
| 304707973 |  | A | A | A | A | A | A | A | A |  |
| 304708868 |  | C D | B | A | C D | A | B | A | B |  |
| 304698328 |  | C | A | A | C | A | A | A | A |  |
| 304693526 |  | A | A | A | A | A | A | A | A |  |
| 304710813 |  | C | A | A | C | A | A | A | A |  |
| 304697003 |  | C | C | A | C | A | A | A | A |  |
| 304710931 |  | A | A | A | A | A | A | A | A |  |
| 304720543 |  | C | A | A | C | A | A | A | A |  |
| 304712204 |  | C | C | A | C | A | A | A | A |  |
| 304708782 |  | A | A | A | A | A | A | A | A |  |
| 304703002 |  | A |  | A | A | A |  | A | A |  |
| 304710929 |  | B | A | A | B | A | A | A | A |  |
| 304734218 |  | A | A | A | A | A | A | A | A |  |
| 304732191 |  | A | C | A | C | A | B | A | B |  |
| 304734132 |  | A | C | A | C | A | B | A | B |  |
| 304733048 |  | A | B | A | B | A | B | A | B |  |
| 304733093 |  | A | A | A | A | A | A | A | A |  |
| 304745104 |  | A | A | A | A | A | A | A | A |  |
| 304749744 |  | B | C | A | C | B | B | A | B |  |
| 304732106 |  | C | A | A | C | A | A | A | A |  |
| 304727813 |  | C |  | A | C | B |  | A | B |  |
| 304727812 |  | C |  | A | C | B |  | A | B |  |
| 304733045 |  | C | C | A | C | B | B | A | B |  |
| 304734215 |  | A | B | A | B | A | B | A | B |  |
| 304696918 |  | A | B | A | B | A | B | A | B |  |
| 304751814 |  | C | B | A | C | A | B | A | B |  |
| 304734753 |  | C | C | A | C | B | A | A | B |  |
| 304748415 |  | B | A | A | B | B | A | A | B |  |
| 304735838 |  | A | C | A | C | A | A | A | A |  |
| 304749766 |  | A | A | A | A | A | A | A | A |  |
| 304736666 |  | A | C | A | C | A | A | A | A |  |
| 304727768 |  | C | C | A | C | A | B | A | B |  |
| 304710356 |  | A | B | A | B | A | B | A | B |  |
| 304751805 |  | A | B | A | B | A | B | A | B |  |
| 304736311 |  | A | A | A | A | A | A | A | A |  |
| 304754514 |  | A | B | A | B | A | B | A | B |  |
| 304732189 |  | A | A | D | D | A | A | A | A |  |
| 304732966 |  | A | A | A | A | A | A | A | A |  |
| 304745163 |  | A | A | A | A | A | A | A | A |  |
| 304729203 |  | A | A | A | A | A | A | A | A |  |
| 304736168 |  | A | B | A | B | A | B | A | B |  |
| 304732853 |  | A | B | A | B | A | B | A | B |  |
| 304734822 |  | B | A | A | B | B | A | A | B |  |
| 304751867 |  | A | B | A | B | A | B | A | B |  |
| 304735835 |  | A | A | A | A | A | A | A | A |  |
| 304750089 |  | A | A | A | A | A | A | A | A |  |
| 304728012 |  | A | A | A | A | A | A | A | A |  |
| 304734754 |  | B | A | A | B | B | A | A | B |  |
| 304745166 |  | A | A | A | A | A | A | A | A |  |
| 304747353 |  | A | A | A | A | A | A | A | A |  |
| 304754800 |  | A | A | A | A | A | A | A | A |  |
| 304751705 |  | C | B | A | C | A | B | A | B |  |
| 304732421 |  | A | A | A | A | A | A | A | A |  |
| 304732625 |  | A |  | A | A | A |  | A | A |  |
| 304748472 |  | A | A | A | A | A | A | A | A |  |
| 304754986 |  | A | A | A | A | A | A | A | A |  |
| 304716921 |  | A | A | A | A | A | A | A | A |  |
| 304749716 |  | A | A | A | A | A | A | A | A |  |
| 304747354 |  | A | C | A | C | A | A | A | A |  |
| 304725175 |  | B | A | A | B | B | A | A | B |  |
| 304729959 |  | A | B | A | B | A | B | A | B |  |
| 304750453 |  | B | A | A | B | B | A | A | B |  |
| 304754870 |  | A | B | A | B | A | B | A | B |  |
| 304758052 |  | A | A | A | A | A | A | A | A |  |
| 304677107 |  | C |  | A | C | A |  | A | A |  |
| 304693243 |  | C |  | A | C | A |  | A | A |  |
| 304707079 |  | C |  | A | C | A |  | A | A |  |
| 304695716 |  | B |  | A | B | B |  | A | B |  |
| 304734653 |  | A |  | A | A | A |  | A | A |  |
| 304750415 |  | A |  | A | A | A |  | A | A |  |
| 304724093 |  | A |  | A | A | A |  | A | A |  |
| 304707112 |  | A |  | A | A | A |  | A | A |  |
| 304724118 |  | C |  | A | C | B |  | A | B |  |
| 304730064 |  | A |  | A | A | A |  | A | A |  |
| 304730100 |  | C |  | D | D | B |  | A | B |  |
| 304730040 |  | A |  | A | A | A |  | A | A |  |
| 304730019 |  | A |  | A | A | A |  | A | A |  |
| 304730010 |  | C |  | A | C | B |  | A | B |  |
| 304730119 |  | B |  | A | B | B |  | A | B |  |
| 304730009 |  | A |  | A | A | A |  | A | A |  |
| 304724094 |  | A |  | A | A | A |  | A | A |  |
| 304729998 |  | A |  | A | A | A |  | A | A |  |
| 304709025 |  | A |  | A | A | A |  | A | A |  |
| 304730008 |  | A |  | A | A | A |  | A | A |  |
| 304730018 |  | A |  | A | A | A |  | A | A |  |
| 304730092 |  | A |  | A | A | A |  | A | A |  |
| 304730060 |  | A |  | A | A | A |  | A | A |  |
| 304724121 |  | A |  | A | A | A |  | A | A |  |
| 304732035 |  | C |  | A | C | B |  | A | B |  |
| 304730007 |  | A |  | A | A | A |  | A | A |  |
| 304724123 |  | C |  | A | C | A |  | A | A |  |
| 304734579 |  | A |  | A | A | A |  | A | A |  |
| 304730025 |  | C |  | A | C | A |  | A | A |  |
| 304730011 |  | A |  | A | A | A |  | A | A |  |
| 304730089 |  | B |  | A | B | B |  | A | B |  |
| 304734659 |  | A |  | A | A | A |  | A | A |  |
| 304730015 |  | C |  | A | C | A |  | A | A |  |
| 304731942 |  | C |  | A | C | B |  | A | B |  |
| 304730002 |  | C |  | A | C | A |  | A | A |  |
| 304734634 |  | C |  | A | C | A |  | A | A |  |
| 304730017 |  | B |  | A | B | B |  | A | B |  |
| 304730043 |  | A |  | A | A | A |  | A | A |  |
| 304754643 |  | A |  | A | A | A |  | A | A |  |
| 304730022 |  | C |  | A | C | B |  | A | B |  |
| 304734633 |  | A |  | A | A | A |  | A | A |  |
| 304734618 |  | A |  | A | A | A |  | A | A |  |
| 304734617 |  | A |  | A | A | A |  | A | A |  |
| 304734619 |  | A |  | A | A | A |  | A | A |  |
| 304734641 |  | A |  | A | A | A |  | A | A |  |
| 304730016 |  | C |  | A | C | B |  | A | B |  |
| 304754628 |  | A |  | A | A | A |  | A | A |  |
| 304734620 |  | C |  | A | C | A |  | A | A |  |
| 304730033 |  | A |  | A | A | A |  | A | A |  |
| 304730027 |  | A |  | A | A | A |  | A | A |  |
| 304730031 |  | C |  | A | C | A |  | A | A |  |
| 304730029 |  | C |  | A | C | A |  | A | A |  |
| 304724091 |  | B |  | A | B | A |  | A | A |  |
| 304730118 |  | C |  | A | C | A |  | A | A |  |
| 304730079 |  | B |  | A | B | B |  | A | B |  |
| 304734594 |  | A |  | A | A | A |  | A | A |  |
| 304734636 |  | C |  | A | C | A |  | A | A |  |
| 304750386 |  | A |  | A | A | A |  | A | A |  |
| 304730053 |  | A |  | A | A | A |  | A | A |  |
| 304732689 |  | A | A | A | A | A | A | A | A |  |
| 304749960 |  | C | C | A | C | B | A | A | B |  |
| 304715561 |  | A | B | A | B | A | B | A | B |  |
| 304735832 |  | B | B | A | B | B | B | A | B |  |
| 304734758 |  | C | A | A | C | A | A | A | A |  |
| 304730815 |  | A | A | A | A | A | A B | A | A B |  |
| 304736314 |  | A | A | A | A | A | A | A | A |  |
| 304749956 |  | B | A | D | D | B | A | A | B |  |
| 304749712 |  | A | C | A | C | A | A | A | A |  |
| 304756744 |  | A | A | A | A | A | A | A | A |  |
| 304756738 |  | A | A | A | A | A | A | A | A |  |
| 304756747 |  | A | A | A | A | A | A | A | A |  |
| 304731023 |  | A |  | A | A | A |  | A | A |  |
| 304757488 |  | A | B | A | B | A | B | A | B |  |
| 304758007 |  | A | A | A | A | A | A | A | A |  |
| 304754513 |  | A | A | A | A | A | A | A | A |  |
| 304760375 |  | A | A | A | A | A | A | A | A |  |
| 304758022 |  | A | B | A | B | A | B | A | B |  |
| 304757468 |  | A | B | A | B | A | B | A | B |  |
| 304755062 |  | A | A | A | A | A | A | A | A |  |
| 304750013 |  | A | A | A | A | A | A | A | A |  |
| 304758005 |  | A | A | A | A | A | A | A | A |  |
| 304760481 |  | A | B | A | B | A | B | A | B |  |
| 304765202 |  | A | A | A | A | A | A B | A | A B |  |
| 304759812 |  | C | A | A | C | B | A | A | B |  |
| 304754927 |  | A | A | A | A | A | A | A | A |  |
| 304749713 |  | A | A | A | A | A | A | A | A |  |
| 304728739 |  | B | B | A | B | B | B | A | B |  |
| 304748478 |  | A | B | A | B | A | B | A | B |  |
| 304747349 |  | A | A | A | A | A | A | A | A |  |
| 304759813 |  | A | A | A | A | A | A | A | A |  |
| 304758983 |  | A | B | A | B | A | B | A | B |  |
| 304764265 |  | A | B | A | B | A | B | A | B |  |
| 304764263 |  | B | A | A | B | B | A | A | B |  |
| 304759811 |  | A | A | A | A | A | A | A | A |  |
| 304677095 |  | C |  | A | C | B |  | A | B |  |
| 304677082 |  | A |  | A | A | A |  | A | A |  |
| 304481096 |  | D |  | A | D | B |  | A | B |  |
| 304476709 |  | C |  | A | C | B |  | A | B |  |
| 304724135 |  | C |  | A | C | A |  | A | A |  |
| 304724134 |  | A |  | A | A | A |  | A | A |  |
| 304705624 |  | B |  | A | B | B |  | A | B |  |
| 304705560 |  | C |  | A | C | B |  | A | B |  |
| 304705591 |  | B |  | A | B | B |  | A | B |  |
| 304705598 |  | C |  | A | C | B |  | A | B |  |
| 304708966 |  | A |  | A | A | A |  | A | A |  |
| 304705573 |  | B |  | A | B | B |  | A | B |  |
| 304705597 |  | C |  | A | C | B |  | A | B |  |
| 304705587 |  | C |  | A | C | B |  | A | B |  |
| 304705613 |  | C |  | A | C | B |  | A | B |  |
| 304705589 |  | C |  | C | C | B |  | A | B |  |
| 304705550 |  | C |  | A | C | B |  | A | B |  |
| 304705614 |  | C |  | D | D | B |  | A | B |  |
| 304705548 |  | D |  | C | D | B |  | A | B |  |
| 304705630 |  | C |  | A | C | A |  | A | A |  |
| 304705538 |  | D |  | A | D | A |  | A | A |  |
| 304705572 |  | D |  | A | D | B |  | A | B |  |
| 304705539 |  | B |  | A | B | B |  | A | B |  |
| 304705537 |  | A |  | A | A | A |  | A | A |  |
| 304750067 |  | A | B | A | B | A | B | A | B |  |
| 304750462 |  | A | A | A | A | A | A | A | A |  |
| 304750463 |  | A | B | A | B | A | B | A | B |  |
| 304763340 |  | A | A | A | A | A | A | A | A |  |
| 304754869 |  | A | A | A | A | A | A | A | A |  |
| 304751864 |  | A | A | A | A | A | A | A | A |  |
| 304754455 |  | A | A | A | A | A | A | A | A |  |
| 304754851 |  | A | B | A | B | A | B | A | B |  |
| 304765329 |  | A | A | A | A | A | A | A | A |  |
| 304749703 |  | A | A | A | A | A | A | A | A |  |
| 304768211 |  | A | B | A | B | A | B | A | B |  |
| 304764270 |  | A | B | A | B | A | B | A | B |  |
| 304764084 |  | A | A | A | A | A | A | A | A |  |
| 304756844 |  | A | A | A | A | A | A | A | A |  |
| 304757919 |  | A | A | A | A | A | A | A | A |  |
| 304682447 |  | D |  | A | D | A |  | A | A |  |
| 304695634 |  | C |  | A | C | A |  | A | A |  |
| 304753794 |  | A |  | A | A | A |  | A | A |  |
| 304753803 |  | A |  | A | A | A |  | A | A |  |
| 304708970 |  | C |  | A | C | A |  | A | A |  |
| 304730126 |  | A |  | C | C | A |  | A | A |  |
| 304734585 |  | C |  | A | C | A |  | A | A |  |
| 304708982 |  | C |  | A | C | A |  | A | A |  |
| 304708974 |  | C |  | A | C | A |  | A | A |  |
| 304734603 |  | C |  | A | C | A |  | A | A |  |
| 304730047 |  | C D |  | A | C D | A |  | A | A |  |
| 304734564 |  | A |  | A | A | A |  | A | A |  |
| 304734630 |  | C D |  | A | C D | B |  | A | B |  |
| 304750371 |  | C |  | A | C | A |  | A | A |  |
| 304734562 |  | A |  | A | A | A |  | A | A |  |
| 304730098 |  | A |  | A | A | A |  | A | A |  |
| 304750362 |  | A |  | A | A | A |  | A | A |  |
| 304750241 |  | A |  | A | A | A |  | A | A |  |
| 304750322 |  | C |  | A | C | A |  | A | A |  |
| 304750333 |  | A |  | A | A | A |  | A | A |  |
| 304750330 |  | C D |  | A | C D | A |  | A | A |  |
| 304750350 |  | C |  | A | C | A |  | A | A |  |
| 304750304 |  | C |  | A | C | A |  | A | A |  |
| 304734582 |  | C |  | A | C | A |  | A | A |  |
| 304734580 |  | A |  | A | A | A |  | A | A |  |
| 304750294 |  | C |  | A | C | A |  | A | A |  |
| 304730061 |  | C |  | A | C | A |  | A | A |  |
| 304750313 |  | A |  | A | A | A |  | A | A |  |
| 304734575 |  | C |  | A | C | A |  | A | A |  |
| 304750290 |  | A |  | A | A | A |  | A | A |  |
| 304750310 |  | A |  | A | A | A |  | A | A |  |
| 304734563 |  | C |  | A | C | B |  | A | B |  |
| 304750308 |  | A |  | A | A | A |  | A | A |  |
| 304750321 |  | A |  | A | A | A |  | A | A |  |
| 304750380 |  | A |  | A | A | A |  | A | A |  |
| 304750211 |  | A |  | A | A | A |  | A | A |  |
| 304753775 |  | A |  | A | A | A |  | A | A |  |
| 304734612 |  | C |  | A | C | A |  | A | A |  |
| 304750228 |  | A |  | A | A | A |  | A | A |  |
| 304750302 |  | A |  | A | A | A |  | A | A |  |
| 304734606 |  | C D |  | A | C D | A |  | A | A |  |
| 304730076 |  | D |  | A | D | A |  | A | A |  |
| 304750237 |  | A |  | A | A | A |  | A | A |  |
| 304734570 |  | A |  | A | A | A |  | A | A |  |
| 304750343 |  | A |  | A | A | A |  | A | A |  |
| 304750220 |  | A |  | A | A | A |  | A | A |  |
| 304754636 |  | A |  | A | A | A |  | A | A |  |
| 304754637 |  | A |  | A | A | A |  | A | A |  |
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| 304753780 |  | A |  | A | A | A |  | A | A |  |
| 304750326 |  | C |  | A | C | A |  | A | A |  |
| 304750239 |  | A |  | A | A | A |  | A | A |  |
| 304750404 |  | C |  | A | C | A |  | A | A |  |
| 304753763 |  | C |  | A | C | A |  | A | A |  |
| 304730095 |  | A |  | A | A | A |  | A | A |  |
| 304730005 |  | C |  | A | C | A |  | A | A |  |
| 304750312 |  | D |  | A | D | A |  | A | A |  |
| 304734586 |  | A |  | A | A | A |  | A | A |  |
| 304730085 |  | C |  | A | C | A |  | A | A |  |
| 304730041 |  | A |  | A | A | A |  | A | A |  |
| 304734599 |  | A |  | A | A | A |  | A | A |  |
| 304730051 |  | A |  | A | A | A |  | A | A |  |
| 304734632 |  | C |  | A | C | B |  | A | B |  |
| 304750231 |  | A |  | A | A | A |  | A | A |  |
| 304750221 |  | A |  | A | A | A |  | A | A |  |
| 304734595 |  | A |  | A | A | A |  | A | A |  |
| 304753759 |  | A |  | A | A | A |  | A | A |  |
| 304750258 |  | B |  | A | B | B |  | A | B |  |
| 304750260 |  | B |  | A | B | B |  | A | B |  |
| 304750288 |  | C |  | A | C | A |  | A | A |  |
| 304750391 |  | A |  | A | A | A |  | A | A |  |
| 304750337 |  | A |  | A | A | A |  | A | A |  |
| 304750300 |  | C |  | A | C | A |  | A | A |  |
| 304750291 |  | A |  | A | A | A |  | A | A |  |
| 304750243 |  | A |  | A | A | A |  | A | A |  |
| 304750215 |  | A |  | A | A | A |  | A | A |  |
| 304750413 |  | A |  | A | A | A |  | A | A |  |
| 304750250 |  | A |  | A | A | A |  | A | A |  |
| 304700196 |  | C | A | D | D | A | A | A | A |  |
| 304716556 |  | A | C | A | C | A | B | A | B |  |
| 304700854 |  | C | C | A | C | A | B | A | B |  |
| 304711811 |  | C | C | A | C | A | B | A | B |  |
| 304725132 |  | A | C | D | D | A | B | A | B |  |
| 304734264 |  | C | C | A | C | A | B | A | B |  |
| 304709863 |  | C | B | A | C | A | A | A | A |  |
| 304726505 |  | C | C | A | C | A | A | A | A |  |
| 304730171 |  | A | B | A | B | A | A | A | A |  |
| 304732770 |  | A | B | A | B | A | A | A | A |  |
| 304728790 |  | A | C | A | C | A | A | A | A |  |
| 304747503 |  | A | B | A | B | A | B | A | B |  |
| 304728707 |  | A | A | A | A | A | A | A | A |  |
| 304716561 |  | C | C | A | C | A | A | A | A |  |
| 304717762 |  | A | C | A | C | A | A | A | A |  |
| 304736187 |  | C | A | A | C | A | A | A | A |  |
| 304748394 |  | C | B | A | C | A | B | A | B |  |
| 304730141 |  | A | A | A | A | A | A | A | A |  |
| 304754955 |  | C | C | A | C | A | B | A | B |  |
| 304754969 |  | C | C | A | C | A | A | A | A |  |
| 304754945 |  | A | C | A | C | A | A | A | A |  |
| 304754960 |  | C | C | A | C | A | A | A | A |  |
| 304754953 |  | C | C | A | C | A | A | A | A |  |
| 304754951 |  | C | C | A | C | A | B | A | B |  |
| 304754956 |  | C | C | A | C | A | A | A | A |  |
| 304745149 |  | A | A | A | A | A | A | A | A |  |
| 304748470 |  | A | B | A | B | A | A | A | A |  |
| 304730140 |  | A | A | D | D | A | A | A | A |  |
| 304750497 |  | A | A | A | A | A | A | A | A |  |
| 304725161 |  | A | A | A | A | A | A | A | A |  |
| 304644036 |  | C |  | A | C | A |  | A | A |  |
| 304705145 |  | C D | A | A | C D | A | A | A | A |  |
| 304708783 |  | A | A | A | A | A | A | A | A |  |
| 304708781 |  | A | A | A | A | A | A | A | A |  |
| 304684736 |  | C |  | A | C | B |  | A | B |  |
| 304676123 |  | D |  | A | D | B |  | A | B |  |
| 304676119 |  | D |  | A | D | A |  | A | A |  |
| 304705695 |  | C | A | A | C | A | A | A | A |  |
| 304702253 |  | C D | A | A | C D | A | A | A | A |  |
| 304727937 |  | C D | B | A | C D | A | B | A | B |  |
| 304702979 |  | C |  | A | C | A |  | A | A |  |
| 304703007 |  | C |  | A | C | B |  | A | B |  |
| 304702966 |  | A |  | A | A | A |  | A | A |  |
| 304730787 |  | C D | A | A | C D | A | A | A | A |  |
| 304731903 |  | A | A | A | A | A | A | A | A |  |
| 304720365 |  | A | A | A | A | A | A | A | A |  |
| 304731046 |  | C | A | A | C | A | A | A | A |  |
| 304734735 |  | A | A | A | A | A | A | A | A |  |
| 304734552 |  | A | A | A | A | A | A | A | A |  |
| 304734551 |  | A | A | A | A | A | A | A | A |  |
| 304702998 |  | A |  | A | A | A |  | A | A |  |
| 304734162 |  | A | A | A | A | A | A | A | A |  |
| 304754946 |  | C | A | A | C | A | A | A | A |  |
| 304754949 |  | A | A | A | A | A | A | A | A |  |
| 304732442 |  | C |  | A | C | A |  | A | A |  |
| 304671262 |  | C |  | A | C | B |  | A | B |  |
| 304671220 |  | B |  | A | B | B |  | A | B |  |
| 304671209 |  | B |  | A | B | B |  | A | B |  |
| 304707108 |  | A |  | A | A | A |  | A | A |  |
| 304709050 |  | A |  | A | A | A |  | A | A |  |
| 304671258 |  | C |  | A | C | A |  | A | A |  |
| 304671233 |  | C |  | A | C | B |  | A | B |  |
| 304420634 |  | A |  | A | A | A |  | A | A |  |
| 304671248 |  | D |  | A | D | A |  | A | A |  |
| 304767229 |  | A |  | A | A | A |  | A | A |  |
| 304730129 |  | C |  | A | C | A |  | A | A |  |
| 304681509 |  | A |  | A | A | A |  | A | A |  |
| 304693340 |  | C |  | A | C | A |  | A | A |  |
| 304695662 |  | C |  | A | C | A |  | A | A |  |
| 304707044 |  | D |  | A | D | A |  | A | A |  |
| 304693295 |  | C |  | A | C | B |  | A | B |  |
| 304707031 |  | C |  | A | C | B |  | A | B |  |
| 304707116 |  | C D |  | A | C D | A |  | A | A |  |
| 304695733 |  | C |  | A | C | A |  | A | A |  |
| 304692102 |  | C |  | A | C | A |  | A | A |  |
| 304706945 |  | C |  | A | C | A |  | A | A |  |
| 304709032 |  | C |  | A | C | B |  | A | B |  |
| 304692131 |  | C |  | A | C | A |  | A | A |  |
| 304708969 |  | C |  | A | C | A |  | A | A |  |
| 304708936 |  | C |  | A | C | A |  | A | A |  |
| 304706973 |  | C |  | A | C | B |  | A | B |  |
| 304706950 |  | C |  | A | C | A |  | A | A |  |
| 304706999 |  | A |  | A | A | A |  | A | A |  |
| 304708991 |  | B |  | A | B | B |  | A | B |  |
| 304750275 |  | A |  | A | A | A |  | A | A |  |
| 304708952 |  | C |  | A | C | A |  | A | A |  |
| 304693360 |  | B |  | A | B | B |  | A | B |  |
| 304692142 |  | C |  | A | C | B |  | A | B |  |
| 304707047 |  | B |  | A | B | B |  | A | B |  |
| 304707024 |  | A |  | A | A | A |  | A | A |  |
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| 304706930 |  | B |  | A | B | B |  | A | B |  |
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| 304750274 |  | C |  | A | C | B |  | A | B |  |
| 304708935 |  | A |  | A | A | A |  | A | A |  |
| 304724102 |  | A |  | A | A | A |  | A | A |  |
| 304727657 |  | C |  | A | C | A |  | A | A |  |
| 304724127 |  | C |  | A | C | B |  | A | B |  |
| 304727512 |  | B |  | A | B | A |  | A | A |  |
| 304706989 |  | A |  | A | A | A |  | A | A |  |
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| 304753801 |  | C |  | A | C | A |  | A | A |  |
| 304727671 |  | A |  | A | A | A |  | A | A |  |
| 304732044 |  | A |  | A | A | A |  | A | A |  |
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| 304732077 |  | A |  | A | A | A |  | A | A |  |
| 304732046 |  | A |  | A | A | A |  | A | A |  |
| 304731993 |  | C |  | A | C | A |  | A | A |  |
| 304731996 |  | A |  | A | A | A |  | A | A |  |
| 304731919 |  | B |  | A | B | B |  | A | B |  |
| 304754629 |  | C |  | A | C | A |  | A | A |  |
| 304750232 |  | A |  | A | A | A |  | A | A |  |
| 304734638 |  | C |  | A | C | B |  | A | B |  |
| 304754638 |  | C |  | A | C | A |  | A | A |  |
| 304753772 |  | C |  | A | C | A |  | A | A |  |
| 304750259 |  | C |  | A | C | B |  | A | B |  |
| 304753769 |  | C |  | A | C | A |  | A | A |  |
| 304759887 |  | A |  | A | A | A |  | A | A |  |
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| 304734581 |  | C |  | A | C | A |  | A | A |  |
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| 304753761 |  | A |  | A | A | A |  | A | A |  |
| 304750251 |  | C |  | A | C | A |  | A | A |  |
| 304750297 |  | A |  | A | A | A |  | A | A |  |
| 304750229 |  | C |  | A | C | A |  | A | A |  |
| 304754625 |  | A |  | A | A | A |  | A | A |  |
| 304759890 |  | A |  | A | A | A |  | A | A |  |
| 304750399 |  | C |  | A | C | A |  | A | A |  |
| 304759884 |  | A |  | A | A | A |  | A | A |  |
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| 304750374 |  | A |  | A | A | A |  | A | A |  |
| 304730042 |  | B |  | A | B | B |  | A | B |  |
| 304764220 |  | A |  | A | A | A |  | A | A |  |
| 304758698 |  | C |  | A | C | A |  | A | A |  |
| 304750238 |  | A |  | A | A | A |  | A | A |  |
| 304730117 |  | A |  | A | A | A |  | A | A |  |
| 304734602 |  | A |  | A | A | A |  | A | A |  |
| 304764199 |  | C |  | A | C | A |  | A | A |  |
| 304750256 |  | D |  | A | D | A |  | A | A |  |
| 304750303 |  | A |  | A | A | A |  | A | A |  |
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| 304764168 |  | C |  | A | C | A |  | A | A |  |
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| 304759862 |  | C |  | A | C | A |  | A | A |  |
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| 304758727 |  | B |  | A | B | B |  | A | B |  |
| 304759894 |  | A |  | A | A | A |  | A | A |  |
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| 304750255 |  | A |  | A | A | A |  | A | A |  |
| 304764148 |  | C |  | C | C | A |  | A | A |  |
| 304759874 |  | A |  | A | A | A |  | A | A |  |
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| 304759882 |  | C |  | A | C | A |  | A | A |  |
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| 304724113 |  | C |  | A | C | A |  | A | A |  |
| 304764169 |  | B |  | A | B | B |  | A | B |  |
| 304759892 |  | A |  | A | A | A |  | A | A |  |
| 304759873 |  | B |  | A | B | B |  | A | B |  |
| 304816436 |  | A |  | A | A | A |  | A | A |  |
| 304750410 |  | C |  | A | C | A |  | A | A |  |
| 304759879 |  | A |  | A | A | A |  | A | A |  |
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| 304754630 |  | A |  | A | A | A |  | A | A |  |
| 304759876 |  | C |  | A | C | A |  | A | A |  |
| 304764223 |  | D |  | A | D | A |  | A | A |  |
| 304758703 |  | C |  | A | C | A |  | A | A |  |
| 304758704 |  | A |  | A | A | A |  | A | A |  |
| 304758692 |  | A |  | A | A | A |  | A | A |  |
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| 304769986 |  | A |  | A | A | A |  | A | A |  |
| 304754642 |  | C |  | A | C | A |  | A | A |  |
| 304724112 |  | A |  | A | A | A |  | A | A |  |
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| 304750257 |  | B |  | A | B | B |  | A | B |  |
| 304758693 |  | A |  | A | A | A |  | A | A |  |
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| 304758683 |  | C |  | A | C | A |  | A | A |  |
| 304764205 |  | A |  | A | A | A |  | A | A |  |
| 304770003 |  | A |  | A | A | A |  | A | A |  |
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| 304730121 |  | A |  | A | A | A |  | A | A |  |
| 304764217 |  | C |  | A | C | A |  | A | A |  |
| 304767216 |  | A |  | A | A | A |  | A | A |  |
| 304767223 |  | C |  | A | C | B |  | A | B |  |
| 304764240 |  | B |  | A | B | B |  | A | B |  |
| 304759865 |  | A |  | A | A | A |  | A | A |  |
| 304759904 |  | A |  | A | A | A |  | A | A |  |
| 304759867 |  | C |  | A | C | A |  | A | A |  |
| 304816438 |  | A |  | A | A | A |  | A | A |  |
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| 304769996 |  | A |  | A | A | A |  | A | A |  |
| 304706952 |  | B |  | A | B | B |  | A | B |  |
| 304764140 |  | A |  | A | A | A |  | A | A |  |
| 304816442 |  | C |  | A | C | A |  | A | A |  |
| 304764222 |  | A |  | A | A | A |  | A | A |  |
| 304812013 |  | A |  | A | A | A |  | A | A |  |
| 304365493 |  | C |  | A | C | A |  | A | A |  |
| 304732405 |  | C |  | A | C | A |  | A | A |  |
| 304671146 |  | A |  | C | C | A |  | A | A |  |
| 304764200 |  | C |  | A | C | A |  | A | A |  |
| 304764172 |  | C |  | A | C | A |  | A | A |  |
| 304764179 |  | C |  | A | C | A |  | A | A |  |
| 304750332 |  | D |  | A | D | A |  | A | A |  |
| 304750214 |  | C |  | A | C | A |  | A | A |  |
| 304759906 |  | C |  | A | C | B |  | A | B |  |
| 304750236 |  | C |  | A | C | A |  | A | A |  |
| 304750262 |  | D |  | A | D | A |  | A | A |  |
| 304759858 |  | A |  | A | A | A |  | A | A |  |
| 304767220 |  | A |  | A | A | A |  | A | A |  |
| 304758711 |  | B |  | A | B | B |  | A | B |  |
| 304758719 |  | A |  | A | A | A |  | A | A |  |
| 304769999 |  | D |  | A | D | A |  | A | A |  |
| 304770001 |  | D |  | A | D | A |  | A | A |  |
| 304770002 |  | C |  | A | C | A |  | A | A |  |
| 304764175 |  | A |  | A | A | A |  | A | A |  |
| 304769972 |  | A |  | A | A | A |  | A | A |  |
| 304758706 |  | A |  | A | A | A |  | A | A |  |
| 304753785 |  | A |  | A | A | A |  | A | A |  |
| 304811989 |  | A |  | A | A | A |  | A | A |  |
| 304767214 |  | A |  | A | A | A |  | A | A |  |
| 304764180 |  | A |  | A | A | A |  | A | A |  |
| 304816440 |  | A |  | A | A | A |  | A | A |  |
| 304811980 |  | A |  | A | A | A |  | A | A |  |
| 304816428 |  | C |  | A | C | A |  | A | A |  |
| 304769953 |  | A |  | A | A | A |  | A | A |  |
| 304812014 |  | A |  | A | A | A |  | A | A |  |
| 304750286 |  | C |  | A | C | A |  | A | A |  |
| 304769980 |  | A |  | A | A | A |  | A | A |  |
| 304769955 |  | A |  | A | A | A |  | A | A |  |
| 304811906 |  | A |  | A | A | A |  | A | A |  |
| 304811891 |  | C |  | A | C | A |  | A | A |  |
| 304811909 |  | A |  | A | A | A |  | A | A |  |
| 304811878 |  | A |  | A | A | A |  | A | A |  |
| 304811908 |  | A |  | A | A | A |  | A | A |  |
| 304811892 |  | A |  | A | A | A |  | A | A |  |
| 304811889 |  | A |  | A | A | A |  | A | A |  |
| 304811899 |  | A |  | A | A | A |  | A | A |  |
| 304769991 |  | C |  | A | C | A |  | A | A |  |
| 304767218 |  | B |  | A | B | B |  | A | B |  |
| 304811985 |  | C |  | A | C | A |  | A | A |  |
| 304811970 |  | C |  | A | C | A |  | A | A |  |
| 304816437 |  | A |  | A | A | A |  | A | A |  |
| 304812020 |  | B |  | A | B | B |  | A | B |  |
| 304753765 |  | A |  | A | A | A |  | A | A |  |
| 304811987 |  | A |  | A | A | A |  | A | A |  |
| 304811991 |  | A |  | A | A | A |  | A | A |  |
| 304811923 |  | A |  | A | A | A |  | A | A |  |
| 304811955 |  | A |  | A | A | A |  | A | A |  |
| 304811992 |  | A |  | A | A | A |  | A | A |  |
| 304769954 |  | A |  | A | A | A |  | A | A |  |
| 304812030 |  | B |  | A | B | B |  | A | B |  |
| 304811978 |  | A |  | A | A | A |  | A | A |  |
| 304758694 |  | A |  | A | A | A |  | A | A |  |
| 304811979 |  | A |  | A | A | A |  | A | A |  |
| 304812036 |  | A |  | A | A | A |  | A | A |  |
| 304811922 |  | C |  | A | C | A |  | A | A |  |
| 304811907 |  | A |  | A | A | A |  | A | A |  |
| 304816429 |  | A |  | A | A | A |  | A | A |  |
| 304812082 |  | A |  | A | A | A |  | A | A |  |
| 304812066 |  | A |  | A | A | A |  | A | A |  |
| 304812067 |  | A |  | A | A | A |  | A | A |  |
| 304812068 |  | A |  | A | A | A |  | A | A |  |
| 304812063 |  | A |  | A | A | A |  | A | A |  |
| 304819478 |  | A |  | A | A | A |  | A | A |  |
| 304819410 |  | C |  | A | C | A |  | A | A |  |
| 304819461 |  | A |  | A | A | A |  | A | A |  |
| 304812060 |  | A |  | A | A | A |  | A | A |  |
| 304811984 |  | C |  | A | C | A |  | A | A |  |
| 304769965 |  | C |  | A | C | A |  | A | A |  |
| 304811924 |  | A |  | A | A | A |  | A | A |  |
| 304819444 |  | C |  | A | C | A |  | A | A |  |
| 304758684 |  | A |  | A | A | A |  | A | A |  |
| 304812065 |  | C |  | A | C | A |  | A | A |  |
| 304812064 |  | C |  | A | C | A |  | A | A |  |
| 304819477 |  | A |  | A | A | A |  | A | A |  |
| 304819407 |  | A |  | A | A | A |  | A | A |  |
| 304758721 |  | A |  | A | A | A |  | A | A |  |
| 304811928 |  | A |  | A | A | A |  | A | A |  |
| 304812034 |  | A |  | A | A | A |  | A | A |  |
| 304819471 |  | A |  | A | A | A |  | A | A |  |
| 304819470 |  | A |  | A | A | A |  | A | A |  |
| 304819434 |  | A |  | A | A | A |  | A | A |  |
| 304812015 |  | A |  | A | A | A |  | A | A |  |
| 304811914 |  | A |  | A | A | A |  | A | A |  |
| 304750414 |  | C |  | A | C | B |  | A | B |  |
| 304764211 |  | A |  | A | A | A |  | A | A |  |
| 304816427 |  | A |  | A | A | A |  | A | A |  |
| 304811911 |  | C |  | A | C | A |  | A | A |  |
| 304811993 |  | A |  | A | A | A |  | A | A |  |
| 304812016 |  | A |  | A | A | A |  | A | A |  |
| 304812008 |  | A |  | A | A | A |  | A | A |  |
| 304811930 |  | A |  | A | A | A |  | A | A |  |
| 304812046 |  | A |  | A | A | A |  | A | A |  |
| 304812045 |  | A |  | A | A | A |  | A | A |  |
| 304812044 |  | A |  | A | A | A |  | A | A |  |
| 304759881 |  | A |  | A | A | A |  | A | A |  |
| 304811903 |  | A |  | A | A | A |  | A | A |  |
| 304811934 |  | A |  | A | A | A |  | A | A |  |
| 304721800 |  | C | C | A | C | A | B | A | B |  |
| 304750005 |  | A | C | D | D | A | A | A | A |  |
| 304754947 |  | C | B | A | C | B | A | A | B |  |
| 304754948 |  | A | C | A | C | A | B | A | B |  |
| 304754950 |  | C | C | A | C | A | B | A | B |  |
| 304728704 |  | C | A | A | C | A | A | A | A |  |
| 304725210 |  | C | B | D | D | A | A | A | A |  |
| 304716564 |  | A | A | A | A | A | A | A | A |  |
| 304729212 |  | C | A | A | C | A | A | A | A |  |
| 304750429 |  | A | A | A | A | A | A | A | A |  |
| 304736121 |  | C | A | A | C | A | A | A | A |  |
| 304754959 |  | C | A | A | C | B | A | A | B |  |
| 304732959 |  | A | C | A | C | A | A | A | A |  |
| 304754961 |  | C | A | A | C | B | A | A | B |  |
| 304754962 |  | C | A | A | C | B | A | A | B |  |
| 304755002 |  | C | A | A | C | A | A | A | A |  |
| 304703003 |  | D |  | D | D | A |  | A | A |  |
| 304827003 |  | A |  | A | A | A |  | A | A |  |
| 304731056 |  | C D | C | D | D | A | B | A | B |  |
| 304826999 |  | A |  | A | A | A |  | A | A |  |
| 304736630 |  | D | A | A | D | A | A | A | A |  |
| 304732827 |  | A | A | A | A | A | A | A | A |  |
| 304765896 |  | C | A | A | C | B | A | A | B |  |
| 304827002 |  | C |  | A | C | A |  | A | A |  |
| 304757833 |  | C | A | A | C | A | A | A | A |  |
| 304827000 |  | C |  | A | C | B |  | A | B |  |
| 304826996 |  | A |  | A | A | A |  | A | A |  |
| 304756773 |  | C | A | A | C | A | A | A | A |  |
| 304734244 |  | C | A | A | C | A | A | A | A |  |
| 304756772 |  | A | A | A | A | A | A | A | A |  |
| 304732835 |  | C | A | A | C | A | A | A | A |  |
| 304734736 |  | C | A | A | C | A | A | A | A |  |
| 304758950 |  | C | A | A | C | A | A | A | A |  |
| 304703011 |  | D |  | A | D | A |  | A | A |  |
| 304702973 |  | C |  | A | C | B |  | A | B |  |
| 304736418 |  | C |  | A | C | A |  | A | A |  |
| 304727729 |  | A |  | A | A | A |  | A | A |  |
| 304758737 |  | C | B | D | D | A | B | A | B |  |
| 304757481 |  | C | A | A | C | A | A | A | A |  |
| 304768634 |  | C | B | A | C | A | A | A | A |  |
| 304766919 |  | C | A | A | C | A | A | A | A |  |
| 304759542 |  | C | C | A | C | A | B | A | B |  |
| 304727739 |  | C |  | A | C | A |  | A | A |  |
| 304720346 |  | C |  | A | C | B |  | A | B |  |
| 304747397 |  | C | A | A | C | A | A | A | A |  |
| 304702972 |  | C |  | A | C | B |  | A | B |  |
| 304729990 |  | C | C | D | D | A | A | A | A |  |
| 304747514 |  | C | C | D | D | A | B | A | B |  |
| 304732709 |  | C | A | A | C | A | A | A | A |  |
| 304745142 |  | C | A | A | C | A | A | A | A |  |
| 304754473 |  | A | A | A | A | A | A | A | A |  |
| 304749950 |  | C | C | D | D | A | B | A | B |  |
| 304776879 |  | A | A | A | A | A | A | A | A |  |
| 304764439 |  | A | A | A | A | A | A | A | A |  |
| 304769701 |  | C | C | A | C | A | A | A | A |  |
| 304754984 |  | A | A | A | A | A | A | A | A |  |

---

## Exhibit 99.5

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| 304072727 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304052332 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304320237 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 304335456 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304254580 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| 304327719 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 5.00 |
| 304333667 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| 304371735 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304392264 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.460% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 303760022 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304396173 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| 304405110 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -20.340% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| 304418508 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304422681 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 304398759 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304425606 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.00 |
| 304444752 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304428309 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304458652 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.10 |
| 304438710 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| 304438702 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304441859 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | N/A |  |  |
| 304462404 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 304459326 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304427413 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304420614 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304462218 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304492630 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304462231 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304476698 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  | 0.000% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304405499 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.290% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304421506 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304633029 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304486456 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304492387 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| 304485207 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.580% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -4.580% |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| 304637111 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 |
| 304643260 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.00 |
| 304666623 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 304666619 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | -11.760% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| 304666654 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304666663 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304666655 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 304498523 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.60 |
| 304654925 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304643474 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304643456 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.80 |
| 304641635 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304654880 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304654874 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 |  |
| 304665303 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304680564 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 |  |
| 304665301 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304641239 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.00 |
| 304643365 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304667721 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304632450 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304654916 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304643473 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 304685766 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304684616 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304679240 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 |
| 304510480 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304685308 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304687287 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.520% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.90 |
| 304680597 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304687207 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304682497 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304681443 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304685810 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304688549 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 30.830% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.70 |
| 304698168 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 6.590% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.40 |
| 304643520 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.020% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304666687 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304674475 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304393227 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304685226 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304688551 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 304695095 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.20 |
| 304683331 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| 304688308 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.80 |
| 304700943 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.50 |
| 304705670 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304697046 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304700638 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.70 |
| 304698164 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 |
| 304694161 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 304697048 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304698301 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.80 |
| 304700223 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304705476 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.30 |
| 304704847 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| 304700347 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304700936 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304694075 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.750% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304700941 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| 304702306 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.70 |
| 304698309 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.60 |
| 304700939 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 |
| 304694178 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 304707906 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.50 |
| 304699171 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304699133 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.40 |
| 304695750 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.60 |
| 304704515 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304700640 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 |
| 304688310 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.00 |
| 304700222 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.240% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304699531 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.80 |
| 304700134 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304701057 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.60 |
| 304693576 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.50 |
| 304693873 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 21.200% |  |  | AVM |  | 0.2 |  |  |  |  |  |  |  |  |  | 0.000% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304705758 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304695745 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.20 |
| 304707672 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.60 |
| 304710323 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304692194 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304710913 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304695027 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.490% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.60 |
| 304699612 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| 304705703 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304710317 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304688300 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304693611 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.30 |
| 304694160 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304695756 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.10 |
| 304709713 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304682492 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.710% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693275 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304707265 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304707261 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304695635 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693209 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304710724 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.20 |
| 304710371 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304711571 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.10 |
| 304702319 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304720399 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 304720402 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304720451 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.50 |
| 304720435 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.70 |
| 304720437 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304720401 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| 304720410 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| 304720487 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304720485 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304720408 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  | -18.920% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
| 304720420 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304720422 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304720433 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304720449 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304720427 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304720407 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.70 |
| 304720415 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304720405 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
| 304720477 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| 304720425 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
| 304720429 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304720488 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304720478 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 304720474 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304720453 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304720400 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.300% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304720482 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.850% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.30 |
| 304720455 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
| 304720458 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304720500 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| 304720396 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304720496 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304720426 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304720412 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304720490 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304720424 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304720416 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.960% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304720497 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304720428 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304720423 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304720460 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304720492 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304702909 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.90 |
| 304678744 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304711718 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304692019 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304707945 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.80 |
| 304702307 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.80 |
| 304710911 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304701033 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304705667 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304693401 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 |
| 304710322 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 |
| 304711573 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304710674 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304704970 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 304698297 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304700234 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304711713 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 10.170% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304702566 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.50 |
| 304700128 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 304705671 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304707072 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304706936 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304695685 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304709019 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304709036 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304708944 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304702078 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304707914 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.970% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -4.970% |  |  |  |  |  |  |  |  | N/A |  |  |
| 304702318 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 7.140% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304695752 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.460% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304705668 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304702045 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 304707680 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 304712261 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304700360 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 304710675 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 10.900% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304719435 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304709712 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304708845 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 18.360% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304707173 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.880% |  |  | AVM |  | 0.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -5.880% |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.50 |
| 304715496 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304716869 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.10 |
| 304726667 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304716629 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304721833 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304709880 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304704969 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.20 |
| 304716520 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304711716 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.10 |
| 304722381 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304705762 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.70 |
| 304722295 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.80 |
| 304699599 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304717989 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304710714 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304710713 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304722390 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304715506 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304707686 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304707897 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304702288 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304711632 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304710938 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.30 |
| 304724705 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| 304663387 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304700165 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 304642529 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304682493 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682426 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.740% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304692124 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693310 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693207 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304724766 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304712255 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304711672 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304711623 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.10 |
| 304721826 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304724178 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304681134 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.90 |
| 304722403 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| 304715559 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304724717 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 304716592 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.160% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| 304725171 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.30 |
| 304725177 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304705453 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.350% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.40 |
| 304712260 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| 304711798 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304716915 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304686597 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| 304510430 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  | 0.000% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510431 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510432 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304707077 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693267 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304706931 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304709040 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304706921 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304708981 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693284 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693350 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304708957 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304706910 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304708980 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304708967 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304709031 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682435 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304695743 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304708931 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304709030 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304706938 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304707052 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304709006 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304707013 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304706985 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304709000 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693235 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304708940 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304709008 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304708929 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304708918 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693355 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304707014 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304708998 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304709011 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304706980 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304706974 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.180% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304706940 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304707041 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304681479 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304707088 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304708997 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304706905 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693192 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304708976 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304674657 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| 304712244 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304724174 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 304711678 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.20 |
| 304728249 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304712259 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| 304726358 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 |
| 304712985 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304726359 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 304719449 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| 304728740 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.40 |
| 304729020 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304724704 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 4.30 |
| 304715505 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304720747 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 304724716 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| 304724384 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| 304731827 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.20 |
| 304728019 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304727785 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304732116 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.40 |
| 304721807 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.70 |
| 304727853 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.30 |
| 304711673 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.60 |
| 304716857 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304716909 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.00 |
| 304730671 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| 304728643 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304732850 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
| 304728013 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304721878 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304732792 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304725176 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304712294 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
| 304707168 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304745124 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.30 |
| 304731814 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.50 |
| 304726353 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730271 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304731812 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304732968 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304727121 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| 304734213 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304726416 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 304730783 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.80 |
| 304728020 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.140% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304734768 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.70 |
| 304732970 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304730751 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304709886 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.50 |
| 304732695 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 304716589 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304728002 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304728736 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304726463 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304728731 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| 304730674 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304726351 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304728245 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304732789 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.00 |
| 304643519 |  |  |  |  |  |  | 42.370% |  |  |  | Appraisal |  |  |  |  |  |  | 42.370% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | N/A |  |  |
| 304678347 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| 304694852 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693597 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304699210 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304694074 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304694136 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| 304694257 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304710288 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304696972 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304707160 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304705783 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304393226 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.200% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693478 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 304702291 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304715539 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304705696 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304712235 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304686672 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304707973 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304708868 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304698328 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693526 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304710813 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304697003 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304710931 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304720543 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304712204 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304708782 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304703002 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304710929 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304734218 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304732191 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304734132 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| 304733048 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304733093 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304745104 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.190% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304749744 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.10 |
| 304732106 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.10 |
| 304727813 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304727812 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.60 |
| 304733045 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304734215 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304696918 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304751814 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304734753 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304748415 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304735838 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 6.290% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.290% |  |  |  |  |  |  |  |  | N/A |  |  |
| 304749766 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| 304736666 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.50 |
| 304727768 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.080% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 4.80 |
| 304710356 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.50 |
| 304751805 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304736311 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.070% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -1.070% |  |  |  |  |  |  |  |  | No |  |  |
| 304754514 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.00 |
| 304732189 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| 304732966 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| 304745163 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.100% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304729203 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304736168 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 16.310% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.310% |  |  |  |  |  |  |  |  | N/A |  |  |
| 304732853 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.560% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.90 |
| 304734822 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304751867 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304735835 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304750089 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.070% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.80 |
| 304728012 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| 304734754 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304745166 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304747353 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.820% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.20 |
| 304754800 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304751705 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304732421 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.00 |
| 304732625 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 304748472 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.80 |
| 304754986 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.20 |
| 304716921 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.820% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304749716 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304747354 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.640% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.10 |
| 304725175 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304729959 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 7.910% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.90 |
| 304750453 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| 304754870 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| 304758052 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304677107 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693243 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304707079 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304695716 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304734653 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750415 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304724093 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304707112 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304724118 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730064 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730100 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730040 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730019 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730010 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730119 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730009 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304724094 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304729998 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304709025 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730008 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730018 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730092 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730060 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304724121 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304732035 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730007 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304724123 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304734579 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730025 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730011 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730089 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304734659 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730015 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304731942 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730002 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304734634 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730017 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730043 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304754643 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.430% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730022 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304734633 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.880% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304734618 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304734617 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304734619 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304734641 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730016 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304754628 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304734620 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730033 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730027 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730031 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.440% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730029 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304724091 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730118 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730079 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304734594 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304734636 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750386 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730053 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.170% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304732689 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| 304749960 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304715561 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304735832 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304734758 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304730815 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304736314 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| 304749956 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304749712 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 |
| 304756744 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.00 |
| 304756738 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 304756747 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304731023 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304757488 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.480% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| 304758007 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304754513 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.20 |
| 304760375 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304758022 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304757468 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304755062 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304750013 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304758005 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304760481 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304765202 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.670% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.10 |
| 304759812 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304754927 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.20 |
| 304749713 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304728739 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304748478 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.40 |
| 304747349 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| 304759813 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.70 |
| 304758983 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.20 |
| 304764265 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.90 |
| 304764263 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| 304759811 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304677095 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304677082 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.260% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | -17.950% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304481096 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304476709 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304724135 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.880% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304724134 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304705624 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304705560 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | -4.910% |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304705591 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 5.170% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304705598 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  | 0.560% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304708966 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304705573 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  | -0.400% |  | 0.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304705597 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 3.600% |  | 0.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304705587 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  | -0.210% |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304705613 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  | 2.290% |  | 0.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304705589 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  | 0.660% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304705550 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304705614 |  |  |  |  |  |  | 0.000% |  |  |  | Drive By |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  | 4.700% |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304705548 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  | 10.530% |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304705630 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  | -4.320% |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304705538 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | N/A |  |  |
| 304705572 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.720% |  |  | Desk Review |  |  | xxxx |  |  | -3.720% |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | N/A |  |  |
| 304705539 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.880% |  |  | Desk Review |  |  | xxxx |  |  | 3.510% |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304705537 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  | 0.000% |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750067 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304750462 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304750463 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304763340 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.10 |
| 304754869 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304751864 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 304754455 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304754851 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304765329 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304749703 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
| 304768211 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
| 304764270 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.20 |
| 304764084 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304756844 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304757919 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304682447 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304695634 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304753794 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304753803 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304708970 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730126 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304734585 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304708982 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304708974 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304734603 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730047 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304734564 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304734630 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750371 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304734562 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730098 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750362 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750241 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750322 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750333 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750330 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750350 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750304 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304734582 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304734580 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750294 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.560% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730061 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750313 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304734575 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750290 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750310 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304734563 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750308 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750321 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750380 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750211 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304753775 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304734612 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750228 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.820% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750302 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304734606 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.090% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730076 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750237 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304734570 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750343 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750220 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304754636 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.390% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304754637 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.670% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304734629 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304753780 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750326 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750239 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750404 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304753763 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730095 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730005 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750312 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304734586 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730085 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730041 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304734599 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.610% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730051 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304734632 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750231 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750221 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304734595 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304753759 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750258 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750260 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750288 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750391 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750337 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750300 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750291 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.840% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750243 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750215 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.380% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750413 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750250 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304700196 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.510% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304716556 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304700854 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.040% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304711811 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304725132 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304734264 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| 304709863 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304726505 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730171 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304732770 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304728790 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304747503 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304728707 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304716561 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304717762 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304736187 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304748394 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304730141 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304754955 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304754969 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304754945 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304754960 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304754953 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304754951 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 304754956 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 304745149 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304748470 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730140 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750497 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 304725161 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304644036 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 6.250% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304705145 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304708783 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304708781 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304684736 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.860% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304676123 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304676119 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304705695 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304702253 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304727937 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.250% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304702979 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304703007 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304702966 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730787 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304731903 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304720365 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304731046 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304734735 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 11.360% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304734552 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 7.500% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304734551 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 14.290% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304702998 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.260% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304734162 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.50 |
| 304754946 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304754949 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304732442 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304671262 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304671220 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304671209 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304707108 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304709050 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304671258 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304671233 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304420634 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304671248 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304767229 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730129 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304681509 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693340 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304695662 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304707044 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693295 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304707031 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304707116 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.510% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304695733 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304692102 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304706945 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304709032 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304692131 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304708969 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304708936 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304706973 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304706950 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.730% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304706999 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304708991 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.880% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750275 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304708952 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693360 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.860% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304692142 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304707047 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304707024 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304707027 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304708933 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304708977 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304706930 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304695711 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304695632 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304707028 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750276 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304695713 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304724107 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304708954 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304724124 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750278 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304708949 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750274 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304708935 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304724102 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304727657 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304724127 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304727512 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304706989 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304724097 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304753800 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.380% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | -10.210% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304724098 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304753801 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304727671 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.860% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304732044 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304732018 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304731921 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.610% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304732077 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304732046 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304731993 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304731996 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304731919 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304754629 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750232 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304734638 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304754638 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304753772 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750259 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304753769 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304759887 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750268 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304734581 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750331 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750293 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750213 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304753761 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.170% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750251 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750297 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750229 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304754625 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304759890 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750399 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304759884 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730084 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750374 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730042 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 6.980% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304764220 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304758698 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750238 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730117 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304734602 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.910% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304764199 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750256 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750303 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750208 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304764168 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304758729 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304759875 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304759862 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304759869 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304758727 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304759894 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730026 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304764160 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750357 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304764210 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750309 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304764143 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750264 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750311 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304758715 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304764215 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750255 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304764148 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304759874 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750342 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304767203 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304767211 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304753779 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304764216 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304764163 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304759861 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304764182 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304816432 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.780% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304753770 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304759882 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304753782 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304724113 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304764169 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304759892 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304759873 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304816436 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750410 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304759879 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304764195 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304754630 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304759876 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304764223 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304758703 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304758704 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304758692 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304764214 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304758688 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304764156 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.670% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304769986 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304754642 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304724112 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304816434 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304816439 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730090 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304764177 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750257 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304758693 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304764219 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304764171 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304759859 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304764192 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.300% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304764225 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304767200 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304769956 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304767198 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304758683 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304764205 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  | 0.000% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304770003 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304769962 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.230% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730121 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304764217 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.690% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304767216 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304767223 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304764240 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304759865 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304759904 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304759867 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304816438 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304769959 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304769961 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304769996 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304706952 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.790% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304764140 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.680% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | -16.330% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304816442 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304764222 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304812013 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304365493 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304732405 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304671146 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304764200 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304764172 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.360% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304764179 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750332 |  |  |  |  |  |  | 18.400% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750214 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304759906 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750236 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750262 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304759858 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304767220 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304758711 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304758719 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304769999 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304770001 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304770002 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304764175 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304769972 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.730% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304758706 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304753785 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.790% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811989 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304767214 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304764180 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304816440 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811980 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304816428 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304769953 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304812014 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750286 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304769980 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304769955 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811906 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811891 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.700% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811909 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811878 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811908 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811892 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811889 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811899 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304769991 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304767218 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.650% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811985 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811970 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304816437 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304812020 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304753765 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811987 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811991 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811923 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811955 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811992 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304769954 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304812030 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811978 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304758694 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811979 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304812036 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811922 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811907 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.960% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304816429 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304812082 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.650% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304812066 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304812067 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304812068 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304812063 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304819478 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304819410 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304819461 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304812060 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811984 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304769965 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811924 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304819444 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304758684 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304812065 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304812064 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304819477 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304819407 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304758721 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -24.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811928 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304812034 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304819471 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304819470 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.760% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304819434 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304812015 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811914 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750414 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304764211 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304816427 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811911 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.840% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811993 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304812016 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.250% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304812008 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811930 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304812046 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304812045 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304812044 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304759881 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.520% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811903 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811934 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304721800 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750005 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304754947 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304754948 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| 304754950 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 304728704 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304725210 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304716564 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304729212 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750429 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304736121 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304754959 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304732959 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304754961 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304754962 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304755002 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304703003 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304827003 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.690% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304731056 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304826999 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304736630 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304732827 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304765896 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.810% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304827002 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304757833 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304827000 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304826996 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304756773 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.520% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304734244 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.260% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304756772 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304732835 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304734736 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304758950 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.210% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304703011 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304702973 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.230% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304736418 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304727729 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304758737 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304757481 |  |  |  |  |  |  | 3.160% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304768634 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| 304766919 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| 304759542 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 10.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304727739 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304720346 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304747397 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304702972 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.690% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304729990 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304747514 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.320% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304732709 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304745142 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304754473 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304749950 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304776879 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.710% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304764439 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304769701 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304754984 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |

---

## Exhibit 99.6

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.6**

![](ex996001.jpg)

**EXECUTIVE SUMMARY**

**JPMMT 2025-NQM4**

**By Clarifii LLC on October 7, 2025**

JPMMT 2025-NQM4 Due Diligence Narrative Report – PagE \| 1

![](ex996001.jpg)

 **CLARIFII CONTACT INFORMATION** 

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Christine Aug** | &nbsp;&nbsp;**Jason Luttenberger** |
| &nbsp;&nbsp; Vice President of Due Diligence | &nbsp;&nbsp; President and Chief Operating Officer |
| &nbsp;&nbsp; Phone: 813.735.4487 | &nbsp;&nbsp; Phone: 917.742.7797 |
| &nbsp;&nbsp; E-mail: Christine.Aug@Clarifii.com | &nbsp;&nbsp; E-mail: Jason.Luttenberger@Clarifii.com |

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 144 loans (the "Loans" or the "Pool") and the Loans were subsequently acquired by JPMorgan Chase Bank, National Association (the "Client") for the JPMMT 2025-NQM4 transaction. The Loans referenced in this narrative report were reviewed in between 12/2024 to 08/2025 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the Loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool (by loan count)** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.69% | &nbsp;&nbsp;$535000.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;15 | &nbsp;&nbsp;10.42% | &nbsp;&nbsp;$10360286.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;128 | &nbsp;&nbsp;88.89% | &nbsp;&nbsp;$105394608.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**144** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$116289894.00** |

---

The Review consisted of a population of 144 Loans, with an aggregate principal balance of $116,289,894.00.

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

The scope of work for this transaction consisted of credit, property valuation, and regulatory compliance reviews, plus a data integrity check, and were performed in accordance with rating agency loan level review standards in place as of the date of the review.

The Review was conducted consistent with the criteria for the specific Nationally Recognized Statistical Rating Organizations (NRSROs).

**LOAN SAMPLING**

The Client defined the sample size and requested Clarifii to perform a random sample of the Loans to be included in the Review. To Clarifii's knowledge, the Review covered 100% of the Loans within the transaction that were submitted to Clarifii for review.

JPMMT 2025-NQM4 Due Diligence Narrative Report – PagE \| 2

![](ex996001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp;Global Methodology And Assumptions: Assessing Pools Of Residential Loans, January 25, 2019; <br> Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, February 21, 2025  |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, October 26, 2023 |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, December 7, 2023 |
| &nbsp;&nbsp;Moody's Investors Service, Inc. | &nbsp;&nbsp;Moody's Approach to Rating US RMBS Using the MILAN Framework dated July 18, 2024 |
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp;Third-Party Due Diligence Criteria for U.S. RMBS Transactions, September 30, 2024. |

---

**DATA INTEGRITY**

Clarifii performed a data comparison review of the data fields provided by the Client on the loan tape to the data found in the Loan file as captured by Clarifii. This comparison, when specific data was available, included the following data fields and tolerance levels noted below.

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Fields** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Amount of Other Lien |
| &nbsp;&nbsp;First Change Minimum Amount |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;ARM Initial Fixed Rate Period |
| &nbsp;&nbsp;ARM Subsequent Interest Rate Change Frequency |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Citizen |
| &nbsp;&nbsp;Borrower 1 Country Name |
| &nbsp;&nbsp;Borrower 1 Credit Report Date |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 1 Email or Internet |

---

JPMMT 2025-NQM4 Due Diligence Narrative Report – PagE \| 3

![](ex996001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Borrower 1 Employer 1 Position |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Hispanic or Latino |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? |
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs |
| &nbsp;&nbsp;Borrower 1 How was title held? |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Marital Status |
| &nbsp;&nbsp;Borrower 1 Middle Name |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 1 Phone Number |
| &nbsp;&nbsp;Borrower 1 Qualifying Income |
| &nbsp;&nbsp;Borrower 1 Race - Black or African American |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Race - White |
| &nbsp;&nbsp;Borrower 1 Rent or Own |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 Sex - Female |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Sex - Male |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 1 Telephone Interview |
| &nbsp;&nbsp;Borrower 1 Years in Current Home |
| &nbsp;&nbsp;Borrower 2 Birthdate |
| &nbsp;&nbsp;Borrower 2 Citizen |
| &nbsp;&nbsp;Borrower 2 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 2 Email or Internet |
| &nbsp;&nbsp;Borrower 2 Employer 1 Position |
| &nbsp;&nbsp;Borrower 2 Employer 1 Years in Line of Work |
| &nbsp;&nbsp;Borrower 2 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 2 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Marital Status |
| &nbsp;&nbsp;Borrower 2 Name of Employer1 |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 2 Qualifying Income |

---

JPMMT 2025-NQM4 Due Diligence Narrative Report – PagE \| 4

![](ex996001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Borrower 2 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 Race - White |
| &nbsp;&nbsp;Borrower 2 Rent or Own |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 2 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 Sex - Male |
| &nbsp;&nbsp;Borrower 2 SSN |
| &nbsp;&nbsp;Borrower 2 Telephone Interview |
| &nbsp;&nbsp;Borrower 2 Years in Current Home |
| &nbsp;&nbsp;Borrower 3 Birthdate |
| &nbsp;&nbsp;Borrower 3 Citizen |
| &nbsp;&nbsp;Borrower 3 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 3 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 3 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 3 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 3 First Name |
| &nbsp;&nbsp;Borrower 3 Last Name |
| &nbsp;&nbsp;Borrower 3 Marital Status |
| &nbsp;&nbsp;Borrower 3 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 3 Race - White |
| &nbsp;&nbsp;Borrower 3 Rent or Own |
| &nbsp;&nbsp;Borrower 3 Sex - Female |
| &nbsp;&nbsp;Borrower 3 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 3 SSN |
| &nbsp;&nbsp;Borrower 3 Telephone Interview |
| &nbsp;&nbsp;Borrower 3 Years in Current Home |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;HOA Flag |
| &nbsp;&nbsp;Index |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Only Term |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Is the Condo Project warrantable |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Origination Company |
| &nbsp;&nbsp;Loan Origination Company NMLS |
| &nbsp;&nbsp;Loan Program |

---

JPMMT 2025-NQM4 Due Diligence Narrative Report – PagE \| 5

![](ex996001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Margin |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Negative Amortization Flag |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Borrowers |
| &nbsp;&nbsp;Number of Mortgaged Properties |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Origination Foreclosure Flag |
| &nbsp;&nbsp;Originator QM Status |
| &nbsp;&nbsp;Payment Frequency |
| &nbsp;&nbsp;Prepayment Penalty Flag |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property Rights |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves |
| &nbsp;&nbsp;Total Qualifying Income |
| &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;Vested Business Entity Name |

---

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**CREDIT UNDERWRITING**

Clarifii reviewed each Loan file to determine the adherence to defined underwriting or credit extension guidelines, standards, criteria, or other requirements provided by Client, including, as applicable, Ability to Repay and Qualified Mortgage requirements. The Credit Qualification review consisted of the following:

● **Loan Attributes** 

To determine borrower program eligibility, Clarifii verified the following loan attributes and, where applicable, recalculated based on the information provided:

– Assets and Reserves

– Gross Income

– Lien Position

– Loan Purpose

– Housing History

– Loan to Value Ratio (LTV) and Combined Loan to Value Ratio (CLTV)

– Monthly Debt

– Occupancy

– Property Type

– Qualifying principal, interest, tax, insurance, and association dues (PITIA)

– Debt to Income Ratio (DTI)

– Residual Income

– Debt Service Coverage Ratio (DSCR)

● **Credit Application** 

Clarifii verified the following items per the Uniform Residential Loan Application Form 1003 (1003):

– All known borrower-owned properties are disclosed on the Real Estate Owned (REO) Section 2

– Borrower(s) employment history

– Citizenship and eligibility

– First time home buyer status

– The application was signed by all borrowers

– The application was substantially complete

● **Credit History** 

Clarifii verified the following items:

– A credit report or alternative credit history as applicable to loan type is present for each borrower

– Bankruptcy and foreclosure seasoning

– Captured the monthly consumer debt payments for use in the applicable DTI calculation

– Installment and revolving payment history

– Mortgage/Rental payment history

– Verified and reviewed Real Estate Owned, Office of Foreign Assets Control (OFAC) search, and Fraud Alerts

– Number of tradelines

– Credit Score(s) and Qualifying Score Methodology

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● **Employment and Income** 

When applicable, Clarifii determined whether all supporting documentation as required by the guidelines and Ability to Repay/Qualified Mortgage Rule (ATR/QM) were complete and accurate. The documentation was used to verify whether the income used to qualify the loan was calculated in accordance with the guidelines. Documentation verified employment and income were deemed acceptable if it was a third-party document as required by the guidelines and ATR when applicable and may include:

– Tax returns

– Financial statements

Paystubs

– IRS Form W-2s

– IRS Form 1099

– IRS documents

– Bank statements

– Lease agreements

– Award letters

– Other documentation in loan file

● **Fraud Review** 

For all Loans, Clarifii utilized the results from an independent, third-party fraud tool as well as information in the loan file to identify and address any potential misrepresentations including:

– Borrower identity

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Social
 Security inconsistencies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Borrower
 name variations

– Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Borrower
 address history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject
 property ownership history

– Employment

– Licensing verification with the Nationwide Multistate Licensing System & Registry (NMLS):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage
 lender/originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan
 officer

OFAC

● **Asset Review** 

Clarifii assessed whether the asset documentation required by the guidelines and ATR, when applicable, was present in the Loan file and within required timeframe. Documentation used to verify assets for down payment, closing costs, prepaid items and reserves may have included:

– Verification of deposits (VOD)

– Depository account statements

– Stock or security account statements

– Gift funds

– Settlements statements

– Other evidence of conveyance and transfer of funds if a sale of assets was involved

– Other documentation in loan file

– Asset documents were reviewed to determine any large deposits and appropriate sourcing of funds

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● **Property** **Insurance and Taxes** 

Clarifii confirmed the presence of the insurance and tax information for the following:

– Confirmed that the flood certification is for the correct borrower, property, lender, and loan number and is a "Life of Loan" certification

– Confirmed that the mortgagee clause lists the lender's name and "its successors and assigns"

Confirmed that the premium amount on both the hazard and flood insurance match figures from the DTI calculations

For condominium properties, confirmed that the blanket policy meets the minimum amount of coverage in the guidelines

For properties in a flood zone, per the flood certification, confirmed that flood insurance meets guideline requirements in the file and met the minimum required amount of coverage in the guidelines

– Reviewed Tax Certificate to verify and compare monthly escrows used to calculate DTI matches and taxes are current

Verified that the hazard insurance meets the minimum required amount of coverage in the guidelines

● **Debt Service Coverage Ratio (DSCR)** 

– Calculated DSCR, as required by guidelines

– Confirmed documentation requirements have been met

Summed principal and interest or interest payment, along with taxes, insurance and HOA payments to arrive at monthly property expense. This summed amount is used as the denominator to the monthly lease or estimated lease income, as required by guidelines

**DOCUMENT REVIEW**

Clarifii reviewed each Loan file and verified if the following documents were included in the file and if the data on these documents was consistent (where applicable):

● **Initial and Final 1003 Application** 

● **Note** 

● **Mortgage/Deed of Trust** 

● **Appraisal** 

● **Sales Contract** 

● **Title Commitment/Policy** 

● **Junior Lien/Subordination Agreement** 

● **Mortgage Insurance** 

● **Underwriting Approval Documentation inclusive, but not limited to documents listed in the Credit Review section** 

● **Flood Certification** 

● **Initial and Final Loan Estimate (LE)** 

● **Initial and Final and Closing Disclosure (CD)** 

● **Post-Consummation Closing Disclosure (PCCD), as applicable** 

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**COMPLIANCE REVIEW**

Clarifii reviewed each Loan file, when applicable, and verified that it was consummated in compliance with the applicable federal, state, and local anti-predatory lending statutes in effect at the time of origination of the mortgage loan. Compliance verification and validation that each mortgage loan met the relevant provisions of:

**Anti-** **Predatory Lending Requirements**, that are imposed by federal, state and/or local statutory, regulatory, or authoritative determinations (e.g., state constitutional provisions, ordinances, interpretations, judicial determinations, etc.) that impose civil or criminal liability upon the Assignee or may cause significant loss severity to the value of the Loan, including the Home Ownership and Equity Protection Act (HOEPA) and any state and local high-cost home loan laws. Assignee shall have the meaning as defined in the Truth in Lending Act (TILA).

**Truth in Lending Act (TILA)**, as amended by HOEPA, 15 U.S.C. §1601 et seq., as implemented by Regulation Z, 12 C.F.R. Part 1026

**Real Estate Settlement Procedures Act (RESPA)**, 12 U.S.C. §2603, as implemented by Regulation X, 12 C.F.R. Part 1024

**Equal Credit Opportunity Act (ECOA)**, 15 U.S.C. §1691, as implemented by Regulation B, 12 C.F.R. §1001.1(b)

● **Compliance Documentation Requirements** 

Clarifii reviewed the following documents as they related to regulatory compliance:

– Initial and final application (1003)

– Note, including all addendums

– Copy of note for any junior liens (if applicable)

– Mortgage / Deed of Trust, including all riders

– Initial, Interim, and Final Loan Estimates (LE)

Initial CD (i.e., the CD required to be received by the borrower(s) at least 3 business days prior to consummation) and re-disclosed CDs (as applicable and permitted by TILA/Regulation Z)

– Notice of Right to Cancel (when applicable)

– Rate Lock Date

– HOEPA Disclosures (when applicable)

– Initial Escrow Account Disclosure

● **Anti-Predatory Lending (Assignee Liability)** 

If applicable the Loans were reviewed for violations of federal, state & local high cost, higher-priced and/or consumer finance laws and regulations that carry Assignee Liability, including those defined below. Any Loan that is determined to be classified and/or defined as high cost, higher-priced, subprime, threshold, predatory high risk, covered or similar classification/definition was reported.

● **Compliance Testing of Truth-in-Lending Act (TILA)/Regulation Z Elements** 

Clarifii reverified and retested, when applicable, the following TILA and Regulation Z elements:

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**TILA/RESPA Integrated Disclosure Testing (TRID)**

Reviewed and compared LEs and CDs with a report outlining any TILA violations, including a recalculation of disclosed finance charges, principal and interest calculations, proper completion of the Projected Payments table, total of payments, finance charges, amount financed, recalculation of disclosed APR and a review to determine if disclosure differences were within the allowed tolerances and disclosures were provided within the required timeframes. Testing was conducted to fulfill the elements Structured Finance Association (SFA) TRID Compliance Review Scope ("TRID Grid 3.0" v.12/05/2019).

**Right of Rescission** 

Reviewed the TILA Right of Rescission, Notice of Right to Cancel, including a verification of the transaction date and expiration date, ensured proper execution of the Notice of Right to Cancel by all required parties, verified the disbursement date and determined if a full three (3) day rescission period was provided to the borrower(s). The appropriate Model Form was tested according to applicable U.S. Court of Appeals, Circuit Court rulings.

**Qualified Mortgage and Ability to Repay**

Reviewed to ensure the mortgage loan meets the applicable Qualified Mortgage ("QM") and Ability-to-Repay ("ATR") requirements as set forth in regulations promulgated by the Consumer Financial Protection Bureau as found at 12 CFR § 1026.43.

**Real Estate Settlement Procedures Act (RESPA)/Regulation X**

Reviewed to ensure compliance with RESPA/Regulation X documentation and timing requirements in effect at origination of the mortgage loan for RESPA disclosures (Servicing Disclosure Statement; Affiliated Business Arrangement Disclosure; Initial Escrow Disclosure Statement; List of Homeownership Counselling Organizations).

**Equal Credit Opportunity Act (ECOA)/Regulation B**

Confirmed compliance with the January 18, 2014, requirements regarding the disclosure of the right to receive a copy of appraisals within three (3) business days of application, the right to receive a copy of the appraisals at least three (3) business days prior to consummation and any applicable waiver. The disclosure of the right to receive a copy of appraisals was met by the disclosure on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

**Fair Credit Reporting Act (FRCA)/Regulation V**

Confirmed compliance with the current FCRA/Regulation V requirements regarding risk-based pricing notice, credit score disclosure and Notice to Home Loan Applicant, as applicable.

**Miscellaneous Compliance Testing**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪  ***Mandatory Arbitration*** – Clarifii reported mandatory arbitration provisions present
 in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪  ***Single Premium Credit Insurance*** – Clarifii reported single premium credit insurance
 policies or debt cancellation agreements present in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪  ***State prepayment and late charge restrictions*** – Clarifii reported instances where
 a prepayment penalty that exceeds the state permitted penalty has expired.

● **State and Local Anti-Predatory Requirements** 

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The following is an itemization of the current and historical state and local anti-predatory lending requirements, considered customary in secondary market due diligence compliance testing and reviewed by Clarifii:

– Arkansas Home Loan Protection Act, Ark. Stat. Ann. § 23-53-101 et seq.

– California Anti-Predatory Lending ("Covered Loan", Cal. Fin. Code § 4970 et seq.

– California Higher-Priced Mortgage Loan ("CA HPML"), Cal. Fin. Code §4995 et seq.

– Colorado Consumer Equity Protection Act, Colo. Rev. Stat. § 5-3.5-101 et seq.

– Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a-746 et seq. and the Responsible Lending and Economic Security Act, Conn. House Bill 5577 (2008).

– Connecticut Nonprime Home Loans, Conn. Gen. Stat. §§ 36a-760 et seq. (2008-2009) and (2009-Current)

District of Columbia Home Loan Protection Act of 2002, D.C. Official Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg. § 2000.1 et seq. as well as DC Mortgage Disclosure Act of 2007.

– Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (2002 – 2014).

– Georgia Fair Lending Act, Ga. Stat. Ann. § 7-6A-1 et seq. (as originally enacted by House Bill 02-1361 and as modified by Senate Bill 03-53).

– Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq. (2003).

– Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code § 345.10 et seq. (Repealed)

– Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003), Ill. Comp. Stat. tit. 815 §§ 137/1 et seq. (2004).

– Illinois Predatory Lending Database Program, Public Act 95-0691 (SB 1167).

– City of Chicago, Illinois, Anti-Predatory Lending Ordinance, Chicago Municipal Code, §§ 2-32-440; 2-32-455; 2-92-325; 4-4-155; 8-4-325.

– Cook County, Illinois, Anti-Predatory Lending Ordinance, Ordinance No. 240864 (2001) as amended by Illinois SB 1167 (2007).

– Indiana Home Loan Practices Act, as amended by HB 1179 (2005) Ind. Code § 24-9-1 et seq.

– Kansas Consumer Credit Code, Section 16a-3-308a, Kan. Stat. Ann. § 16a-1-101 et seq. 16.

– Kentucky Anti-Predatory Lending Statute, as amended by Kentucky House Bill 552 (2008), Ky. Rev. Stat. § 360.100 et seq.

Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages, 9A Me. Rev. Stat. Ann. §§ 8-103(1); 8-206(8); 8-206A and Maine Legislative Document 1869 (2007), 2125 (2008) and 1439 (2009), and regulation Z-3.

Maryland Commercial Law, Mary. Stat. Ann. §§ 12-124.1; 12-127; 12-409.1; 12-1029 and as amended by Maryland Senate Bill 270 (2008) and Maryland Regulations under the Maryland Mortgage Lender Law (2009).

Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law, Md. Code Ann., Fin. Instit. Code §§ 11-501 et seq.; Md. Code Regs. §§ 09.03.06.01 et seq.

– Massachusetts High-Cost Mortgage Regulations, 209 CMR § 32.32 et seq. including MA House Bill 4387 (2008) 20. Massachusetts Predatory Home Loan Practices Act, M.G.L. Chapter 183I.

– Massachusetts "Borrower's Interest" Standard, M.G.L. Chapter 183, §28C.

– Massachusetts Mortgage Lender and Broker Regulations, 940 CMR § 8.00 (15-17).

– Massachusetts Regulations for Higher Priced Mortgage Loans, 209 Mass. Code Regs. §§ 32.00 et seq.

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– Massachusetts Subprime ARMs to First Time Homebuyers, M.G.L. Chapter 184, §17B.5.

– Michigan Consumer Mortgage Protection Act, Mich. Stat. Ann. § 445-1631 et seq.

– Minnesota Mortgage Originator and Service Licensing Act, § 58.137 et al. (S.F. 2988 (2002) and as amended by House File 1004 and SF 98 (2007) and SF 3154 and 3214 (2008).

– Nebraska Mortgage Bankers Registration and Licensing Act, Neb. Stat.§ 45-702 et seq.

– Nevada Anti-Predatory Lending Law, AB No. 284 (2003), as amended by AB 4 (2007), Nev. Rev. Stat. § 598D.010 et seq.

– New Jersey Home Ownership Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq.

– New Mexico Home Loan Protection Act, SB 449 (2003) and as amended by SB 342 (2009), N.M. Stat. Ann. § 58-21A-1 et seq.

– New York High-Cost Home Loan Regulations (1A – Original Part 41), 3 NYCCR Part 41 (2001).

– New York High-Cost Home Loan Act (1B - § 6-l), N.Y. Bank. L. Ch. 626., as implemented by 3 NYCCR Part 41 (2003) and as amended by Senate Bill 8143-A (2008).

– New York Subprime Home Loans, NY Bank. Law § 6-m.

North Carolina Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-1.1A to 24-10.2 and North Carolina Amendments to Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-9; 24-1.1I(a); 24-10.2(a) as amended.

– Ohio Anti-Predatory Lending Statute, HB 386, as amended by S.B. 185 (2006), Ohio Rev. Code Ann. § 1.63.

– Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as implemented by Ohio Admin. Rules § 109 4-3-01 et seq.

– City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003.

– Summit County, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 2004-618, Muni. Code §§ 201.01 et seq.

– Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003).

– Oklahoma Higher-Priced Mortgage Loans Law, Okla. Admin. Code §§ 160:45-9-1 et seq.

– Pennsylvania Consumer Equity Protection Act, 63 Pa. Cons. Stat. Ann. § 456.501 et seq.

– City of Providence, Rhode Island Predatory Lending Ordinance, Ordinance No. 245, Chapter 2006-33 as amended.

Rhode Island Home Loan Protection Act, Chapter 25.2 of Title 34 of RI Gen. L. et seq., as implemented by Emergency Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by Senate Bill 371 (2007).

– South Carolina High-Cost and Consumer Home Loans Act, S.C. Code § 37-23-10 et seq.

– South Carolina Consumer Protection Code, S.C. Code 37-1-101 et seq.

– Tennessee Home Loan Protection Act of 2006, TN Code Annotated, Title 47 et seq.

– Texas High-Cost Home Loan Statute, TX. Fin. Code Ann. § 343.201 et seq.

– The disclosure requirements and prohibitions of Section 50(a)(6) and 50(f)(2) of Article XVI of the Texas Constitution

– Utah Residential Mortgage Practices Amendments, Utah Code Ann. § 61- 2c-102 et seq.

– Utah High Cost Home Loan Act, Utah Code § 61-2d-101 et seq.

– Vermont Interest Act, 9 V.S.A. § 104, implemented by Regulation B-98-2.

– Virginia Mortgage Lender and Broker Act (for loans originated prior to July 1, 2003), Va. Code Ann. §§ 6.1-413; 6.1-422, 6.1-428.

– Virginia Mortgage Lender and Broker Act (for loans originated after July 1, 2003), Va. Code Ann. §§ 6.1-411; 6.1-422.1, 6.1-425.1; 6.1-425.2.

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– Washington House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008.

– West Virginia Residential Mortgage Lender, Broker and Servicer Act, W.Va. Code § 31-17-1 et seq.

– Wisconsin Responsible High Cost Mortgage Lending Act, Wis. Stat. § 428.202.

– Wyoming Credit Code, Wyo. Stat. Ann. §§ 40-14-101 et seq.

● **Business Purpose Loan Compliance Review** 

– Non-Owner Occupied Declaration Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify
 reflects correct address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify
 application address is different from subject property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Verify
 executed by all borrowers

– Review Note accuracy and properly executed

– Review Mortgage and applicable riders for accuracy and properly executed

– Occupancy Letter (must state that borrower(s) will not reside in the property

– HMDA section (Information for Government Monitoring Purposes) of the application (initial and/or final)

– If property is in a flood zone, Flood Notice must be provided prior to closing

– Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

– Letter of Explanation detailing the use of proceeds.

– Borrower's statement of purpose for the loan.

– State License requirements when applicable

– State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

With respect to QM (Safe Harbor and Rebuttable Presumption) designated loans, Clarifii reviewed the loan to determine whether, based on available information in the loan file, (i) the loan contained risky loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceeded 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) at the time of consummation, if the debt-to-income ratio exceeded 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review included a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

If a 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, Clarifii reviewed the loan to determine whether, based on available information in the loan file the loan satisfied (i), (ii) and (iii) in the preceding paragraph and reviewed the Automated Underwriting System output within the file to confirm agency eligibility.

For each QM designated loan that satisfied the applicable requirements enumerated above, Clarifii then determined whether the loan was a Safe Harbor QM or Rebuttable Presumption QM by comparing the loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage.

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**ABILITY TO REPAY (ATR)**

If applicable, Clarifii reviewed the loans to determine whether, based on available information in the 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 focused 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.

*Note: for loans designated as QM – Agency eligible (QM – Temporary), Clarifii did not review for compliance with the requirements of Appendix Q or General Ability to Repay.*

If applicable, Clarifii reviewed loans to determine their conformity with the ATR/QM factors above, and did not render an independent assessment or opinion, warranty or represent that a loan will be deemed to conform to Safe 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). Clarifii does not represent or warrant that the factors for which it has reviewed that the Loans constitute all the factors and/or criteria that Authorities may consider in determining the status of a loan.

Clarifii's review was based on information contained in the loan file at the time it was provided for review.

All Loans in the population reviewed by Clarifii were investment properties and were found to not be ATR/QM applicable.

**VALUATION REVIEW**

Clarifii reviewed all appraisals and alternative value tools used to qualify the Loan for reasonableness of estimated value, comparable sales, completeness of data and eligibility of the appraiser, compared to underwriting guidelines, variances, and tolerances. Clarifii determined that the appraised value appeared to be supported, based on the valuation provided by the Independent Third-party Review.

● **Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA)** 

Clarifii checked for the presence of the appraiser's license and reviewed for the presence of any red flags related to the mortgaged property that may have posed a risk to the property or occupants.

● **Uniform Standards of Professional Appraisal Practice (USPAP)** 

Clarifii confirmed the appraiser's certification is present and executed within the original appraisal.

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**INDEPENDENT THIRD-PARTY VALUES**

Clarifii applied a cascade methodology to the population to determine if the original appraisal value was reasonably supported when compared to an independent third-party valuation product.

**Valuation Reconciliation Process:**

● If the AVM (Automated Valuation Model) supported the origination appraised value within -10% variance, no additional products were required.

● If the Desk Review supported the origination appraised value within a -10% variance, no additional products were required.

● In the event the Desk Review process yielded material exceptions or had a value exceeding a negative ten percent (-10%) variance, a field review was ordered to further establish the supported value, unless guidelines allowed for the use of the lower Desk Review value for purpose of LTV/CLTV/HCLTV.

**Uniform Collateral Data Portal (UCDP) Risk Score:**

● For loans with a Fannie Mae Collateral Underwriter Score (CU), if an CU Score was available and the CU Score was greater than 2.5, a Desk Review was either reviewed in the loan file or ordered by Clarifii. If the CU Score was less than or equal to 2.5, a Desk Review was not obtained/required based on market acceptance of UCDP Risk Score.

**VALUATION RESULTS SUMMARY**

The two tables below summarize the Loans that contained independent third-party valuation product as well as Loans with acceptable UCDP Risk Scores:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No Hit** | &nbsp;&nbsp;**# of Files > -10% Variance to OA or Confidence < 80%** | &nbsp;&nbsp;**Number of Files within -10% of OA or Acceptable UCDP Risk Score** |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;LCA or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;74 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 |

---

**DUE DILIGENCE GRADING CRITERIA** 

Upon completion of the loan file due diligence review, Clarifii assigned comprehensive grading that considers critical factors based on the specific review completed, in addition to product, client, and rating agency requirements.

The National Recognized Statistical Rating Organizations (NRSRO) criteria referenced for this report and utilized for grading descriptions is based upon the NRSRO listed in the Asset-Backed Securities Form ABS Due Diligence-15E.

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**Final Event Grade**

---

| | |
|:---|:---|
| **A** | Loan meets Credit, Compliance, and Valuation Guidelines. |
| **B** | The loan materially 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 materially meets published guidelines. |
| **C** | 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. |
| **D** | Loan is missing documentation to perform a sufficient review. |

---

**Credit Event Grade**

---

| | |
|:---|:---|
| **A** | 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. |
| **B** | The loan materially 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. |
| **C** | The loan does not materially 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. |
| **D** | There was not sufficient documentation to perform a review, or the credit file was not furnished. |

---

**Valuation Event Grade**

---

| | |
|:---|:---|
| **A** | The value is supported within 10% of the original appraisal by supporting documents (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 Government-Sponsored Enterprise (GSE) approved forms. |
| **B** | The value is not supported within 10% of the original appraisal by supporting documents and there are no other valuation support documents provided. 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. |
| **C** | 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. |
| **D** | The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

**Compliance Event Grade** 

---

| | |
|:---|:---|
| **A** | The loan is compliant with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. |

---

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---

| | |
|:---|:---|
| **B** | 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. |
| **C** | The loan violates one material law or regulation. The material disclosures are missing, or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| **D** | There was not sufficient documentation to perform a review, or the required legal documents were not furnished. |

---

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Overall Review Results** | &nbsp;&nbsp;**Final Overall Review Results** | &nbsp;&nbsp;**Final Overall Review Results** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;104 | &nbsp;&nbsp;72.22% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;40 | &nbsp;&nbsp;27.78% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**144** | &nbsp;&nbsp;**100.00%** |

---

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;112 | &nbsp;&nbsp;77.78% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;32 | &nbsp;&nbsp;22.22% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**144** | &nbsp;&nbsp;**100.00%** |

---

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![](ex996001.jpg)

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;144 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**144** | &nbsp;&nbsp;**100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;136 | &nbsp;&nbsp;94.44% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;8 | &nbsp;&nbsp;5.56% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**144** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool (by loan count)** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.39% | &nbsp;&nbsp;$2040000.00 |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;142 | &nbsp;&nbsp;98.61% | &nbsp;&nbsp;$114249894.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**144** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$116289894.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool (by loan count)** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;74 | &nbsp;&nbsp;51.39% | &nbsp;&nbsp;$69877938.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.69% | &nbsp;&nbsp;$520000.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;69 | &nbsp;&nbsp;47.92% | &nbsp;&nbsp;$45891956.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**144** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$116289894.00** |

---

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![](ex996001.jpg)

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool (by loan count)** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;65 | &nbsp;&nbsp;45.14% | &nbsp;&nbsp;$49449499.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;79 | &nbsp;&nbsp;54.86% | &nbsp;&nbsp;$66840395.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**144** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$116289894.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool (by loan count)** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;144 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$116289894.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**144** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$116289894.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool (by loan count)** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;480 | &nbsp;&nbsp;6 | &nbsp;&nbsp;4.17% | &nbsp;&nbsp;$3744000.00 |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;138 | &nbsp;&nbsp;95.83% | &nbsp;&nbsp;$112545894.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**144** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$116289894.00** |

---

**DATA COMPARE RESULTS**

Clarifii provided Client with a copy of the Loan Level Data Compare Report which shows the differences between the data received by the sellers versus the data captured by Clarifii during the loan review.

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Fields** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;126 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Amount of Other Lien | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Change Minimum Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;126 | &nbsp;&nbsp;96.83% |
| &nbsp;&nbsp;ARM Initial Fixed Rate Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Subsequent Interest Rate Change Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;126 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |

---

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;31 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;126 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Country Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Credit Report Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;18 | &nbsp;&nbsp;72.22% |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;118 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;144 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;1 | &nbsp;&nbsp;18 | &nbsp;&nbsp;94.44% |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 How was title held? | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;144 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Middle Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;113 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Phone Number | &nbsp;&nbsp;0 | &nbsp;&nbsp;112 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;2 | &nbsp;&nbsp;13 | &nbsp;&nbsp;84.62% |
| &nbsp;&nbsp;Borrower 1 Race - Black or African American | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Female | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Male | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;126 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Years in Current Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |

---

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![](ex996001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 2 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Employer 1 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Employer 1 Years in Line of Work | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Name of Employer1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Qualifying Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Sex - Male | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Years in Current Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 3 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 3 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 3 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 3 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 3 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 3 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 3 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 3 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 3 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 3 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 3 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 3 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 3 Sex - Female | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 3 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 3 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 3 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 3 Years in Current Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |

---

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![](ex996001.jpg)

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;2 | &nbsp;&nbsp;118 | &nbsp;&nbsp;98.31% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;17 | &nbsp;&nbsp;131 | &nbsp;&nbsp;87.02% |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;131 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;HOA Flag | &nbsp;&nbsp;3 | &nbsp;&nbsp;110 | &nbsp;&nbsp;97.27% |
| &nbsp;&nbsp;Index | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;131 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;126 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;144 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;144 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Is the Condo Project warrantable | &nbsp;&nbsp;4 | &nbsp;&nbsp;7 | &nbsp;&nbsp;42.86% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;126 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;144 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company NMLS | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;139 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;7 | &nbsp;&nbsp;13 | &nbsp;&nbsp;46.15% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;131 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;0 | &nbsp;&nbsp;130 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;79 | &nbsp;&nbsp;131 | &nbsp;&nbsp;39.69% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Mortgaged Properties | &nbsp;&nbsp;7 | &nbsp;&nbsp;13 | &nbsp;&nbsp;46.15% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;144 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;138 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Payment Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;57 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;128 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;131 | &nbsp;&nbsp;98.47% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;1 | &nbsp;&nbsp;144 | &nbsp;&nbsp;99.31% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;144 | &nbsp;&nbsp;99.31% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;1 | &nbsp;&nbsp;144 | &nbsp;&nbsp;99.31% |
| &nbsp;&nbsp;Property Rights | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;138 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;20 | &nbsp;&nbsp;128 | &nbsp;&nbsp;84.38% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;144 | &nbsp;&nbsp;100.00% |

---

JPMMT 2025-NQM4 Due Diligence Narrative Report – PagE \| 23

![](ex996001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;113 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;3 | &nbsp;&nbsp;131 | &nbsp;&nbsp;97.71% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;131 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;20 | &nbsp;&nbsp;126 | &nbsp;&nbsp;84.13% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;18 | &nbsp;&nbsp;94.44% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;80 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves | &nbsp;&nbsp;1 | &nbsp;&nbsp;14 | &nbsp;&nbsp;92.86% |
| &nbsp;&nbsp;Total Qualifying Income | &nbsp;&nbsp;2 | &nbsp;&nbsp;13 | &nbsp;&nbsp;84.62% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;1 | &nbsp;&nbsp;126 | &nbsp;&nbsp;99.21% |
| &nbsp;&nbsp;Vested Business Entity Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |

---

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Narrative Report/Executive Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Attestation Forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. ASF Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Rating Agency Grade Detail and Summary Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Data Compare Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Valuations Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Rating Agency ATR/QM Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Supplemental Data Extract

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Business Purpose Supplement Data Extract Report

**Disclaimer**

*Clarifii LLC ("the Company") performs due diligence reviews for Residential Mortgage-Backed Securities, as well as, assets, collateral, counterparty operations, and similar diligence reviews in the consumer finance industry. In issuing reports and maintaining the ratings provided for herein, the Company relies on factual information it receives from issuers, underwriters, and from other sources which the Company reasonably believes to be credible. The Company conducts reasonable investigation of the factual information relied upon by it in accordance with its ratings methodology. The Company also makes reasonably good faith attempts to verify the information from independent sources (to the extent such sources are available).*

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

*Ratings, analysis, reports, and other opinions (referred to collectively as "Reports") issued by the Company are provided "as is" and without representation or warranty of any kind. The Company hereby disclaims any representation or warranty (whether express or implied) as to accuracy, completeness, merchantability, or fitness for a particular purpose. Reports are not a recommendation to buy, sell, or retain any security. All reports are deemed jointly prepared, and no individual shall be exclusively deemed the "author" of any Report. Individuals identified in a Report were involved in, but are not solely responsible for, the contents of any Report.*

*Unless expressly stated otherwise, Reports do not assess any risk other than credit risk. In particular, any rating or grading in a Report does not take into consideration the risk of any security (or any portion thereof) due to changes in market conditions.*

JPMMT 2025-NQM4 Due Diligence Narrative Report – PagE \| 24

![](ex996001.jpg)

*The Company does not provide investment, legal, or tax advice, and the Reports may not be construed as such. Reports are issued for the benefit of the entity requesting the Report, only, and may not be used by third parties without the express written consent of the Company and the requesting party. Reports are based on available information and current regulations as of the date of the Report, and the Company disclaims any obligation to update Reports due to a change of fact of regulation which occurs after the date of issuance.*© 2025 Clarifii LLC. All rights reserved.

JPMMT 2025-NQM4 Due Diligence Narrative Report – PagE \| 25

## Exhibit 99.7

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.7**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX |  | 304471705 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX |  | 304471679 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 23.02 | 37.54 | True Data Correct: Tape Data Lender used departing residence monthly payment in DTI. REO SOLD Proceeds used for Assets to close on Subject. |
| XXXX |  | 304471703 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX |  | 304471703 | XXXX | Property Address | notePage | XXXX | XXXX | Per Note |
| XXXX |  | 304471703 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX |  | 304471703 | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per LCA condo is warrantable |
| XXXX |  | 304471709 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note. |
| XXXX |  | 304471709 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30.12 | 27.67 | Due to REO income calculation. |
| XXXX |  | 304471686 | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304702222 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX |  | 304702215 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX |  | 304681900 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX |  | 304694467 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX |  | 304694467 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX |  | 304694524 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX |  | 304694524 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per appraisal |
| XXXX |  | 304702140 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX |  | 304702153 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX |  | 304702153 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| XXXX |  | 304702153 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Final CD |
| XXXX |  | 304702153 | XXXX | HOA Flag | propertyValuationPage | No | Y | No HOA per appraisal |
| XXXX |  | 304702163 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX |  | 304702163 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| XXXX |  | 304702163 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.7 | 34.49 | Audit income is lower than lenders. |
| XXXX |  | 304702176 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX |  | 304702167 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX |  | 304702156 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX |  | 304702156 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX |  | 304702156 | XXXX | Qualifying FICO | creditLiabilitiesPage | 799 | 735 | Per credit report dated 4/9; middle score used by audit |
| XXXX |  | 304702156 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.44 | 44.82 | Variance due to Audit using higher income |
| XXXX |  | 304702139 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX |  | 304702207 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX |  | 304702212 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX |  | 304702209 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX |  | 304702183 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX |  | 304702183 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX |  | 304702158 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX |  | 304702158 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| XXXX |  | 304702158 | XXXX | Qualifying FICO | creditLiabilitiesPage | 778 | 745 | Per credit report |
| XXXX |  | 304702157 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX |  | 304702157 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| XXXX |  | 304702157 | XXXX | Qualifying FICO | creditLiabilitiesPage | 778 | 745 | Per Credit Report |
| XXXX |  | 304702143 | XXXX | Property City | notePage | XXXX | XXXX | Per Note |
| XXXX |  | 304702143 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX |  | 304702143 | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per Audit Review; condo questionnaire |
| XXXX |  | 304702122 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX |  | 304702145 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX |  | 304702145 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX |  | 304702145 | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per Questionnaire & Guidelines. |
| XXXX |  | 304702145 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.17 | 39.80 | Audit DTI RE Owned calculations were different than the Lenders. |
| XXXX |  | 304702126 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX |  | 304702199 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX |  | 304702124 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX |  | 304702147 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX |  | 304702147 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per cd |
| XXXX |  | 304702138 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX |  | 304713580 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX |  | 304713580 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per appraisal |
| XXXX |  | 304713580 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.202 | 1.154 | Market Rent/PITIA, Lender DSCR breakdown not provided |
| XXXX |  | 304736048 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX |  | 304736053 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Final CD |
| XXXX |  | 304736053 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per Appraisal. |
| XXXX |  | 304736027 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX |  | 304736050 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX |  | 304736050 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.77 | 47.02 | Audit debts are lower, 1008 is not accurate. |
| XXXX |  | 304735996 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX |  | 304735996 | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per Appraisal & Condo Questionnaire |
| XXXX |  | 304735997 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX |  | 304735997 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| XXXX |  | 304736070 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX |  | 304736070 | XXXX | HOA Flag | propertyValuationPage | Yes | No | HOA per appraisal |
| XXXX |  | 304736086 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per appraisal report |
| XXXX |  | 304736078 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX |  | 304736078 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX |  | 304736078 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 18.43 | 15.88 | Audit income slightly lower than lender. Audit DTI w/in tolerance of lenders DTI per 1008 |
| XXXX |  | 304736042 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX |  | 304736058 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX |  | 304736103 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX |  | 304732564 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX |  | 304736073 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX |  | 304736098 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX |  | 304736098 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 73.25 | DSCR |
| XXXX |  | 304736049 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX |  | 304736049 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX |  | 304736049 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 10019.10 | DSCR |
| XXXX |  | 304736057 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX |  | 304736057 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.96 | 48.55 | Audit income is less than lenders. |
| XXXX |  | 304736015 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX |  | 304736102 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX |  | 304736102 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | From appraisal report |
| XXXX |  | 304736067 | XXXX | Note Date | notePage | XXXX | XXXX | Note |
| XXXX |  | 304735988 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX |  | 304736005 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX |  | 304732614 | XXXX | B1 Credit Report Date | creditLiabilitiesPage | XXXX | XXXX | Per credit report |
| XXXX |  | 304735987 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX |  | 304736054 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX |  | 304736054 | XXXX | HOA Flag | propertyValuationPage | Yes | No | Per Appraisal |
| XXXX |  | 304736054 | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.989 | 1.027 | The HOA fee not included in PITIA . |
| XXXX |  | 304736052 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX |  | 304736072 | XXXX | Note Date | notePage | XXXX | XXXX | Per executed note. |
| XXXX |  | 304736072 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per final CD in file. |
| XXXX |  | 304736072 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| XXXX |  | 304736062 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX |  | 304736062 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.74 | 30.89 | Reviewed income is less than lenders. |
| XXXX |  | 304736043 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 6.36 | 2.99 | Appears Lender did not calc Subject property Negative net rental. |
| XXXX |  | 304736105 | XXXX | Index | notePage | 4.308 | SOFR_30DayAvg | Per Note |
| XXXX |  | 304736105 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX |  | 304732505 | XXXX | B1 Credit Report Date | creditLiabilitiesPage | XXXX | XXXX | Per credit report |
| XXXX |  | 304736069 | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Per appraisal |
| XXXX |  | 304754761 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note. |
| XXXX |  | 304754761 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.61 | 28.86 | Lender primary payment incorrect on 1008 |
| XXXX |  | 304736063 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | 2 unit property per appraisal. |
| XXXX |  | 304735977 | XXXX | Note Date | notePage | XXXX | XXXX | Note |
| XXXX |  | 304732556 | XXXX | Borrower 1 Qualifying Income | employmentIncomePage | XXXX | XXXX | Variance due to income as lender did not apply the expense factor. |
| XXXX |  | 304732556 | XXXX | Total Qualifying Income | employmentIncomePage | XXXX | XXXX | Variance due to income as lender did not apply the expense factor. |
| XXXX |  | 304732556 | XXXX | Total Qualified Assets Available For Reserves | assetPage | 84097.56 | 92853.33 | Per audited assets. |
| XXXX |  | 304732556 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 12.32 | 15.00 | Per audited assets. |
| XXXX |  | 304732556 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 26.81 | 21.83 | Audited income is lower as lender did not apply expense factor. |
| XXXX |  | 304754751 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX |  | 304754751 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX |  | 304754751 | XXXX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | per appraisal report |
| XXXX |  | 304736033 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX |  | 304736033 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 3654.84 | DSCR loan |
| XXXX |  | 304754739 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX |  | 304754739 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final Cd |
| XXXX |  | 304736016 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX |  | 304736016 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| XXXX |  | 304754773 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX |  | 304754773 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal report |
| XXXX |  | 304754773 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Final CD |
| XXXX |  | 304758121 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX |  | 304754749 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX |  | 304754749 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per appraisal report |
| XXXX |  | 304754749 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 1677.10 | DSCR |
| XXXX |  | 304754681 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX |  | 304754681 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | From appraisal report |
| XXXX |  | 304754681 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 817.36 | DSCR loan |
| XXXX |  | 304754678 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX |  | 304754678 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per appraisal report |
| XXXX |  | 304754676 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX |  | 304754676 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per appraisal report |
| XXXX |  | 304758165 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX |  | 304754744 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 13.88 | 18.97 | Audit is within tolerance of the Lender's 1008 |
| XXXX |  | 304754675 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX |  | 304754675 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per appraisal report |
| XXXX |  | 304754677 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX |  | 304754677 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per appraisal report |
| XXXX |  | 304754679 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX |  | 304754679 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per Appraisal |
| XXXX |  | 304758087 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX |  | 304758142 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX |  | 304754723 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX |  | 304754723 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 24.95 | 20.15 | Income Variance due to lender used 14 months/12.. Audit used 12 months/12 |
| XXXX |  | 304735984 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX |  | 304754734 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX |  | 304754734 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per final CD |
| XXXX |  | 304732402 | XXXX | B1 Credit Report Date | creditLiabilitiesPage | XXXX | XXXX | per credit report |
| XXXX |  | 304758141 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX |  | 304758141 | XXXX | ULI | the1003Page | XXXX | XXXX | Per Final 1003 |
| XXXX |  | 304758141 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final Cd |
| XXXX | XXXX | 304778048 | XXXX | Loan Type | the1003Page | DSCR | Conventional | Per approval |
| XXXX | XXXX | 304778048 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | CBR |
| XXXX | XXXX | 304778048 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | XXXX | XXXX | Per 1003 |
| XXXX | XXXX | 304778038 | XXXX | Loan Type | the1003Page | DSCR | Conventional | per approval |
| XXXX | XXXX | 304778038 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | XXXX | XXXX | Per 1003 |
| XXXX |  | 304732420 | XXXX | Borrower 1 Qualifying Income | employmentIncomePage | XXXX | XXXX | Income variance lender did not apply the expense factor. |
| XXXX |  | 304732420 | XXXX | Total Qualifying Income | employmentIncomePage | XXXX | XXXX | per audit |
| XXXX |  | 304732420 | XXXX | B1 Credit Report Date | creditLiabilitiesPage | XXXX | XXXX | per the credit report |
| XXXX |  | 304732420 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.14 | 30.26 | Post close added Primary new PITIA. |
| XXXX | XXXX | 304778047 | XXXX | Loan Type | the1003Page | DSCR | Conventional | Per approval |
| XXXX | XXXX | 304778047 | XXXX | Property County | deedOfTrustPage | XXXX | XXXX | per DOT |
| XXXX | XXXX | 304778055 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | XXXX | XXXX | per 1003 and credit report |
| XXXX | XXXX | 304778033 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per 1003 |
| XXXX | XXXX | 304778034 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | XXXX | XXXX | Per 1003 |
| XXXX | XXXX | 304778041 | XXXX | Loan Type | the1003Page | DSCR | Conventional | DSCR reflected on 1008 |
| XXXX | XXXX | 304778036 | XXXX | Loan Type | the1003Page | DSCR | Conventional | Per approval |
| XXXX | XXXX | 304778036 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | XXXX | XXXX | Per 1003 |
| XXXX | XXXX | 304778043 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per 1003 |
| XXXX | XXXX | 304778042 | XXXX | Loan Type | the1003Page | DSCR | Conventional | per approval |
| XXXX | XXXX | 304778042 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | XXXX | XXXX | Per 1003 |
| XXXX | XXXX | 304778037 | XXXX | Loan Type | the1003Page | DSCR | Conventional | Per 1008. |
| XXXX | XXXX | 304778037 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | XXXX | XXXX | Per 1003 |
| XXXX |  | 304732577 | XXXX | Borrower 1 FTHB | the1003Page | true | N | Per Final 1003 |
| XXXX |  | 304732577 | XXXX | B1 Credit Report Date | creditLiabilitiesPage | XXXX | XXXX | Per credit report order date. |
| XXXX |  | 304758071 | XXXX | Note Date | notePage | XXXX | XXXX | per note |

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## Exhibit 99.8

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.8**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXX |  | 304471705 C A | Closed | FCRE5790 | 2024-12-12 14:08 | 2024-12-18 19:03 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-UDM provided. - Due Diligence Vendor-12/19/2024 <br>Ready for Review-Document Uploaded. Please see attached Data Verify Report containing the Undisclosed Debt Monitoring (UDM) Report which evidences there was no significant changes to the borrower's credit.<br> - Seller-12/16/2024 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). 42 days old - Due Diligence Vendor-12/12/2024 | Ready for Review-Document Uploaded. Please see attached Data Verify Report containing the Undisclosed Debt Monitoring (UDM) Report which evidences there was no significant changes to the borrower's credit.<br> - Seller-12/16/2024<br>| Resolved-UDM provided. - Due Diligence Vendor-12/19/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 625, borrowers mid score is 739<br>Qualifying DTI below maximum allowed - Maximum DTI is 50%, borrower is at 39.16% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304471679 C B A | Closed | FCOM1302 | 2024-12-11 13:24 | 2024-12-11 13:24 | Waived | 2 - Non-Material B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '65015'). Originator waiver applied to non-material Findings. - Due Diligence Vendor-12/11/2024 |  | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is 'XXXX'). Originator waiver applied to non-material Findings. - Due Diligence Vendor-12/11/2024 | Months Reserves exceed minimum required - Min reserve requirement is 3, borrower has 5.34<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrower is at 23.02% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX |
| XXXX |  | 304471703 D A | Closed | FCRE4293 | 2024-12-13 11:09 | 2025-01-13 15:20 | Resolved | 1 - Information D A | Credit | Missing Doc | File does not contain all required Asset Statement(s) | Resolved-XXXX statement for acct XXXX from XXXX - Due Diligence Vendor-01/13/2025 <br> Ready for Review-Document Uploaded. Please see attached Statement showing the history from XXXX when the loan closed. - Seller-01/13/2025 <br> Open-Provide transaction history from XXXX for XXXX - Due Diligence Vendor-12/13/2024 | Ready for Review-Document Uploaded. Please see attached Statement showing the history from XXXX when the loan closed. - Seller-01/13/2025 | Resolved-XXXX statement for acct XXXX from XXXX - Due Diligence Vendor-01/13/2025 | Months Reserves exceed minimum required - Min reserve requirement is 3, borrowers has 6.98<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score is 755 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304471709 C A | Closed | FCRE1506 | 2024-12-17 13:11 | 2025-04-24 14:49 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Final CD provided. - Due Diligence Vendor-12/19/2024 <br> Ready for Review-Document Uploaded. See Attached - Seller-12/18/2024 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing Final CD/Note from XXXX to show monthly P&I, as reflected on Final 1003. - Due Diligence Vendor-12/17/2024 | Ready for Review-Document Uploaded. See Attached - Seller-12/18/2024<br>| Resolved-Final CD provided. - Due Diligence Vendor-12/19/2024<br>| Months Reserves exceed minimum required - Months reserves required is 6; qualifying reserves is 74.8 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 743. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX |  | 304471709 C A | Closed | FCOM4438 | 2024-12-17 11:47 | 2024-12-19 13:59 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Closing Date is missing or inaccurate | Resolved-CD provided. - Due Diligence Vendor-12/19/2024 <br> Ready for Review-Document Uploaded. Please see the Final CD for XXXX - Seller-12/18/2024 <br> Open-Missing Final CD/Note reflecting monthly P&I for REO 3B, as reflected on Final 1003. - Due Diligence Vendor-12/17/2024 | Ready for Review-Document Uploaded. Please see the Final CD for XXXX- Seller-12/18/2024 | Resolved-CD provided. - Due Diligence Vendor-12/19/2024<br>| Months Reserves exceed minimum required - Months reserves required is 6; qualifying reserves is 74.8 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 743. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX |  | 304471686 D A B | Closed | FCRE6019 | 2024-12-18 14:04 | 2024-12-20 17:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower Citizenship Documentation was provided with an ITIN letter , Drivers license and a passport. - Due Diligence Vendor-12/20/2024 <br> Ready for Review-Please note, Per XXXX, section 2.1, only a Valid ITIN Letter and an unexpired Government ID are required for the ITIN program. Both were provided. We ask that this condition please be cleared - Seller-12/19/2024 <br> Open-Provide VISA or EAD per XXXX guidelines - Due Diligence Vendor-12/18/2024 | Ready for Review-Please note, Per XXXX, section 2.1, only a Valid ITIN Letter and an unexpired Government ID are required for the ITIN program. Both were provided. We ask that this condition please be cleared - Seller-12/19/2024 | Resolved-Borrower Citizenship Documentation was provided with an ITIN letter , Drivers license and a passport. - Due Diligence Vendor-12/20/2024<br>| LTV is less than guideline maximum - Max LTV is 80%, loan is at 46.36%<br>Months Reserves exceed minimum required - 0 month reserves required due to LTV, borrower has 28.83 documented |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304471686 D A B | Closed | FCOM1302 | 2024-12-18 13:41 | 2024-12-20 11:03 | Resolved | 1 - Information B A | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Resolved-Upon further review, no further documentation is needed or required.<br> - Due Diligence Vendor-12/20/2024 <br> Ready for Review-Document Uploaded. Please see attached Home Loan Toolkit provided on XXXX- Seller-12/19/2024 <br> Open-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '5'). - Due Diligence Vendor-12/18/2024 | Ready for Review-Document Uploaded. Please see attached Home Loan Toolkit provided on XXXX - Seller-12/19/2024 | Resolved-Upon further review, no further documentation is needed or required.<br> - Due Diligence Vendor-12/20/2024<br>| LTV is less than guideline maximum - Max LTV is 80%, loan is at 46.36%<br>Months Reserves exceed minimum required - 0 month reserves required due to LTV, borrower has 28.83 documented |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304471690 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  | XXXX |
| XXXX |  | 304702222 C A | Closed | finding-47 | 2025-03-21 14:51 | 2025-04-29 08:18 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-----Received PCCD 4/25/2025, disbursement date XXXX. Finding resolved. - Due Diligence Vendor-04/29/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/25/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Provide PCCD with disbursement date after the ROR expiration date.<br> - Due Diligence Vendor-03/21/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/25/2025<br>| Resolved-----Received PCCD 4/25/2025, disbursement date XXXX. Finding resolved. - Due Diligence Vendor-04/29/2025 | Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI is 38.98% <br>LTV is less than guideline maximum - Max LTV 70%- Borrower's LTV 56.55% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX |
| XXXX |  | 304702222 C A | Closed | FCRE0044 | 2025-03-26 13:04 | 2025-03-28 15:44 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-03/28/2025 <br> Ready for Review-We respectfully disagree with the request for an inquiry letter as the inquiry was for the subject transaction by the XXXX. - Seller-03/26/2025 <br> Open-LOX for credit inquiries is missing. Provide Credit Inquiry Letter. - Due Diligence Vendor-03/26/2025 | Ready for Review-We respectfully disagree with the request for an inquiry letter as the inquiry was for the subject transaction by the XXXX. - Seller-03/26/2025 | Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-03/28/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI is 38.98% <br>LTV is less than guideline maximum - Max LTV 70%- Borrower's LTV 56.55% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX |
| XXXX |  | 304702215 D A | Closed | FCRE1193 | 2025-03-27 16:36 | 2025-04-18 07:57 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Income worksheets provided and DTI has been resolved. - Due Diligence Vendor-04/18/2025 <br>Counter-Worksheet received are not legible. Audit unable to replicate income considered in qualifying. finding remains - Due Diligence Vendor-04/03/2025 <br>Ready for Review-We respectfully disagree; the documents uploaded are perfectly legible. - Seller-04/01/2025 <br>Counter-Worksheet received are not legible. Audit unable to replicate income considered in qualifying. Finding remains. - Due Diligence Vendor-03/31/2025 <br>Ready for Review-Document Uploaded. Please see attached income calculation worksheets for both borrowers. - Seller-03/27/2025 <br>Open-Audited DTI of 56.68% exceeds Guideline DTI of 50% Please provide a calculation sheet showing the income calculation for each of the borrower's bank statements income. Also if an expense ratio other than the default was used please provide documentation of that ratio and supporting documentation from a tax professional confirming that ratio. - Due Diligence Vendor-03/27/2025 | Ready for Review-We respectfully disagree; the documents uploaded are perfectly legible. - Seller-04/01/2025 <br>Ready for Review-Document Uploaded. Please see attached income calculation worksheets for both borrowers. - Seller-03/27/2025<br>| Resolved-Income worksheets provided and DTI has been resolved. - Due Diligence Vendor-04/18/2025<br>| Months Reserves exceed minimum required - 6 months required, 22.56 months for subject <br>Qualifying FICO score is at least 20 points above minimum for program - 660 Fico required, 731 for subject |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304702215 D A | Closed | FCRE7806 | 2025-03-27 17:24 | 2025-04-18 07:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Lender Bank Statement worksheet legible and personal bank statements, so no expense factor was required. - Due Diligence Vendor-04/18/2025 <br>Counter-Lender Bank Statement worksheet not legible. Auditor is unable to replicate income considered in qualifying (50% expense factor/100% ownership) finding remains - Due Diligence Vendor-04/03/2025 <br>Ready for Review-We respectfully disagree; the documents uploaded are perfectly legible. - Seller-04/01/2025 <br>Counter-Lender Bank Statement worksheet not legible. Auditor is unable to replicate income considered in qualifying (50% expense factor/100% ownership) - Due Diligence Vendor-03/31/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-03/27/2025 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Due Diligence Vendor-03/27/2025 | Ready for Review-We respectfully disagree; the documents uploaded are perfectly legible. - Seller-04/01/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-03/27/2025<br>| Resolved-Lender Bank Statement worksheet legible and personal bank statements, so no expense factor was required. - Due Diligence Vendor-04/18/2025<br>| Months Reserves exceed minimum required - 6 months required, 22.56 months for subject <br>Qualifying FICO score is at least 20 points above minimum for program - 660 Fico required, 731 for subject |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304702215 D A | Closed | FCRE7807 | 2025-03-27 17:24 | 2025-04-18 07:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Lender Bank Statement worksheet legible and personal bank statements, so no expense factor was required. - Due Diligence Vendor-04/18/2025 <br>Counter-Lender Bank Statement worksheet not legible. Auditor is unable to replicate income considered in qualifying (50% expense factor/100% ownership) finding remains - Due Diligence Vendor-04/03/2025 <br>Ready for Review-We respectfully disagree; the documents uploaded are perfectly legible. - Seller-04/01/2025 <br>Counter-Lender Bank Statement worksheet not legible. Auditor is unable to replicate income considered in qualifying (50% expense factor/100% ownership) - Due Diligence Vendor-03/31/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-03/27/2025 <br>Open-The Borrower 2 Bank Statement Summary/Lender Worksheet is Missing - Due Diligence Vendor-03/27/2025 | Ready for Review-We respectfully disagree; the documents uploaded are perfectly legible. - Seller-04/01/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-03/27/2025<br>| Resolved-Lender Bank Statement worksheet legible and personal bank statements, so no expense factor was required. - Due Diligence Vendor-04/18/2025<br>| Months Reserves exceed minimum required - 6 months required, 22.56 months for subject <br>Qualifying FICO score is at least 20 points above minimum for program - 660 Fico required, 731 for subject |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304702215 D A | Closed | FCOM1544 | 2025-03-24 14:02 | 2025-03-28 14:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Rec'd complete copy of Final CD issued 03/21/2025. Finding Resolved. - Due Diligence Vendor-03/28/2025 <br>Ready for Review-Document Uploaded. Please see attached Final CD, including page 3. - Seller-03/28/2025 <br>Open-TRID: Missing Final Closing Disclosure Missing Page 3 - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. Please see attached Final CD, including page 3. - Seller-03/28/2025<br>| Resolved-Rec'd complete copy of Final CD issued XXXX. Finding Resolved. - Due Diligence Vendor-03/28/2025 | Months Reserves exceed minimum required - 6 months required, 22.56 months for subject <br>Qualifying FICO score is at least 20 points above minimum for program - 660 Fico required, 731 for subject |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304681900 C B A | Closed | FCRE0019 | 2025-04-10 09:58 | 2025-04-28 13:51 | Waived | 2 - Non-Material C B | Credit | Income/Employment | PTIN Prepared P&L | Waived-Originator provided an exception to allow a PTIN-prepared P&L. Waiver applied with comp factor. - Due Diligence Vendor-04/28/2025 <br>Ready for Review-Document Uploaded. - Seller-04/25/2025 <br>Open-PTIN prepared the P&L. Per guides 7.3.2 overlay - Lender guides specific to loan program do not allow for a Profit and Loss (P&L) statement prepared by an individual with only a PTIN. - Due Diligence Vendor-04/10/2025 | Ready for Review-Document Uploaded. - Seller-04/25/2025<br>| Waived-Originator provided an exception to allow a PTIN-prepared P&L. Waiver applied with comp factor. - Due Diligence Vendor-04/28/2025<br>| Months Reserves exceed minimum required - Guidelines require 6 months of reserves. Qualifying reserves are 109 months.<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 45%.<br>LTV is less than guideline maximum - Lender max LTV 70%, subject property LTV 30.47%. | LTV is 5% less than guideline maximum<br> Qualifying FICO score is at least 20 points above minimum for program | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | XXXX |
| XXXX |  | 304694467 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  | XXXX |
| XXXX |  | 304694524 C B A | Closed | FCRE1198 | 2025-04-28 12:51 | 2025-05-01 15:20 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Asset transaction history provided which reflected a balance of XXXX on XXXX, the day the loan funded. - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Please note the attached document first page reflects verified assets of XXXX. - Seller-05/01/2025 <br> Counter-Loan file documented XXXX in documented assets. Please provide the additional assets to verify XXXX total assets. - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Document Uploaded. Pursuant to Non-QM guidelines, section 9.7 Reserves: Net proceeds from a cash-out transaction may be used to meet reserve requirements. The loan file had verified assets totaling XXXX and cash out proceeds totaling XXXX, for a total of XXXX exceeding the required 9-month PITIA reserve requirement of XXXX. Please see attached. - Seller-04/29/2025 <br> Open-Audited Reserves of 8.89 month(s) are less than Guideline Required Reserves of 9 month(s) Addditional assets required to cover reserves. - Due Diligence Vendor-04/28/2025 | Ready for Review-Please note the attached document first page reflects verified assets of XXXX. - Seller-05/01/2025 <br> Ready for Review-Document Uploaded. Pursuant to Non-QM guidelines, section 9.7 Reserves: Net proceeds from a cash-out transaction may be used to meet reserve requirements. The loan file had verified assets totaling XXXX and cash out proceeds totaling XXXX, for a total of XXXX exceeding the required 9-month PITIA reserve requirement of XXXX. Please see attached. - Seller-04/29/2025 | Resolved-Asset transaction history provided which reflected a balance of XXXX on XXXX, the day the loan funded. - Due Diligence Vendor-05/01/2025 | LTV is less than guideline maximum - 65% LTV, program allows 75%<br>Qualifying DTI below maximum allowed - 38.21% DTI, program allows 50% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX |  | 304694524 C B A | Closed | FCRE2244 | 2025-04-27 15:03 | 2025-04-28 13:06 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-04/28/2025 <br>Open-Property Issues are identified for the property Property is under construction. Properties Under Construction are ineligible. Lender exception in file. - Due Diligence Vendor-04/27/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-04/28/2025<br>| LTV is less than guideline maximum - 65% LTV, program allows 75%<br>Qualifying DTI below maximum allowed - 38.21% DTI, program allows 50% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | XXXX |
| XXXX |  | 304702140 C A | Closed | FCRE6844 | 2025-04-28 15:52 | 2025-05-06 15:15 | Resolved | 1 - Information C A | Credit | Assets | Gift Funds General | Resolved-Received revised Gift Letter. - Due Diligence Vendor-05/06/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-05/02/2025 <br>Open-Missing corrected gift letter to coincide with amount that was wired to closing - Due Diligence Vendor-04/28/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-05/02/2025<br>| Resolved-Received revised Gift Letter. - Due Diligence Vendor-05/06/2025<br>| Qualifying DTI below maximum allowed - 37.89% DTI; max 50% DTI<br>Qualifying FICO score is at least 20 points above minimum for program - FICO 711; minimum FICO 680 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304702140 C A | Closed | FCRE1510 | 2025-04-25 13:11 | 2025-05-02 15:15 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Exhibit A - Due Diligence Vendor-05/02/2025 <br>Ready for Review-Please see attached. - Seller-04/30/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Exhibit A attached to Mortgage. - Due Diligence Vendor-04/25/2025 | Ready for Review-Please see attached. - Seller-04/30/2025<br>| Resolved-Received Exhibit A - Due Diligence Vendor-05/02/2025<br>| Qualifying DTI below maximum allowed - 37.89% DTI; max 50% DTI<br>Qualifying FICO score is at least 20 points above minimum for program - FICO 711; minimum FICO 680 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304702153 C A | Closed | FCRE6844 | 2025-04-28 17:52 | 2025-05-05 14:36 | Resolved | 1 - Information C A | Credit | Assets | Gift Funds General | Resolved-Upon further review, XXXX gift was not required and borrower did not use. - Due Diligence Vendor-05/05/2025 <br> Ready for Review-Please note that although there was Gift Letter for XXXX it was not needed or used at closing. The final 1003 reflects the actual XXXX in gift funds which were received and the corresponding wires documented in the loan file. - Seller-05/01/2025 <br> Open-Missing transfer of gift funds for XXXX - Due Diligence Vendor-04/28/2025 | Ready for Review-Please note that although there was Gift Letter for XXXX it was not needed or used at closing. The final 1003 reflects the actual XXXX in gift funds which were received and the corresponding wires documented in the loan file. - Seller-05/01/2025 | Resolved-Upon further review, XXXX gift was not required and borrower did not use. - Due Diligence Vendor-05/05/2025 | Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 680, borrower FICO 777.<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 31.71% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304702171 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  | XXXX |
| XXXX |  | 304702149 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  | XXXX |
| XXXX |  | 304702163 D A | Closed | FCRE1440 | 2025-04-30 11:39 | 2025-05-05 14:52 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received mortgage statement for the subject and UDM is not reporting any lates, in addition guidelines allow 1x30x12. - Due Diligence Vendor-05/05/2025 <br>Ready for Review-Document Uploaded. The loan file included the attached 3/6/2025 mortgage statement for the subject property which does not report any late fees indicating the borrower made a timely payment in February. Furthermore, with respect to the borrower's primary residence, a credit refresh was obtained on 4/21/25 which also did not report any mortgage lates, a further indication the borrower made a timely payment on the mortgage. - Seller-05/01/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing (1) evidence of timely February mortgage payment for the subject lien (2) evidence of timely March mortgage payment for the borrower's primary residence lien. - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. The loan file included the attached 3/6/2025 mortgage statement for the subject property which does not report any late fees indicating the borrower made a timely payment in February. Furthermore, with respect to the borrower's primary residence, a credit refresh was obtained on 4/21/25 which also did not report any mortgage lates, a further indication the borrower made a timely payment on the mortgage. - Seller-05/01/2025<br>| Resolved-Received mortgage statement for the subject and UDM is not reporting any lates, in addition guidelines allow 1x30x12. - Due Diligence Vendor-05/05/2025<br>| LTV is less than guideline maximum - Qualifying LTV 50%; max 70%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 710; minimum required 660 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX |  | 304702163 D A | Closed | FCRE7497 | 2025-04-30 11:39 | 2025-05-05 14:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received LOE for borrower, no additional insurance and Master policy has wall-in coverage. - Due Diligence Vendor-05/05/2025 <br>Ready for Review-Document Uploaded. Please note the borrower's primary residence insurance is covered by the Association's master policy. As noted by the borrower's attached LOE he does not have any additional insurance coverage. - Seller-05/01/2025 <br>Open-Missing evidence of insurance policy for borrower's primary residence for $100 per month. Letter from borrower and project insurance received from borrower, but the policy does not cover the borrower's primary unit as the policy does not reflect walls-in coverage. Originator included in payment on final 1003/1008. - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. Please note the borrower's primary residence insurance is covered by the Association's master policy. As noted by the borrower's attached LOE he does not have any additional insurance coverage. - Seller-05/01/2025<br>| Resolved-Received LOE for borrower, no additional insurance and Master policy has wall-in coverage. - Due Diligence Vendor-05/05/2025<br>| LTV is less than guideline maximum - Qualifying LTV 50%; max 70%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 710; minimum required 660 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX |  | 304702176 C A | Closed | FCRE1510 | 2025-04-30 15:00 | 2025-05-07 15:25 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT w/Legal. - Due Diligence Vendor-05/07/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-05/02/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing Legal Description - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-05/02/2025<br>| Resolved-Received DOT w/Legal. - Due Diligence Vendor-05/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 680, borrower FICO 815.<br>Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 6.6m. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304702170 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  | XXXX |
| XXXX |  | 304702167 C B A | Closed | finding-3634 | 2025-04-30 15:18 | 2025-05-28 07:30 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured-Received PCCD 5/27/2025, copy of check in the amount of $99.00, LOE and evidence of delivery to borrower - Due Diligence Vendor-05/28/2025 <br> Ready for Review-Document Uploaded. - Seller-05/27/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $99.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $99.00 (Title Service Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $99.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is XXXX.<br> - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. - Seller-05/27/2025<br>| Cured-Received PCCD 5/27/2025, copy of check in the amount of $99.00, LOE and evidence of delivery to borrower - Due Diligence Vendor-05/28/2025 | Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 40.47%<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 660, borrower FICO 777. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304702156 C B A | Closed | FCRE1440 | 2025-05-02 10:13 | 2025-07-25 09:46 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Originator exception granted, waiver applied with comp factors. waive the vom requirement for the non-subject property mortgage as the mortgage opened on XXXX and the mortgage statement shows a principal payments iao XXXX . deemed non material and reserves increased from 3 months to 12.<br> - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. - Seller-07/23/2025 <br> Counter-Documentation received is insufficient-provide VOM or acceptable alternative documentation such as Note, proof of payment etc. Original finding remains. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-We kindly disagree that this is required. Please note that the mortgage statement requires supports that as of the statement issued 03/03/2025, the borrower's had already paid the XXXX payments in advance; in addition, it shows the borrower's have not paid any fees, supporting the account had not been late. It is reasonable to assume, given the Fico Score and the mortgage being paid in advance, that the XXXX mortgage did not have an y late payments between the first payment due in XXXX and when the loan closed. We ask that this condition be waived. - Seller-06/15/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing payment history for XXXX mortgage - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. - Seller-07/23/2025 <br> Ready for Review-We kindly disagree that this is required. Please note that the mortgage statement requires supports that as of the statement issued 03/03/2025, the borrower's had already paid the XXXX payments in advance; in addition, it shows the borrower's have not paid any fees, supporting the account had not been late. It is reasonable to assume, given the Fico Score and the mortgage being paid in advance, that the XXXX mortgage did not have an y late payments between the first payment due in XXXX and when the loan closed. We ask that this condition be waived. - Seller-06/15/2025 | Waived-Originator exception granted, waiver applied with comp factors. waive the vom requirement for the non-subject property mortgage as the mortgage opened on XXXX and the mortgage statement shows a principal payments iao XXXX. deemed non material and reserves increased from 3 months to 12.<br> - Due Diligence Vendor-07/25/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 799<br>Months Reserves exceed minimum required - 12 month minimum reserve requirement, borrower has 21.4 documented | 5+ years Verified employment history exceeds guidelines<br> Qualifying DTI 5% below maximum allowed<br> Residual Income =/> 1.5 times XXXX monthly residual income | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | XXXX |
| XXXX |  | 304702139 D B A | Closed | FCRE6019 | 2025-05-02 11:43 | 2025-06-27 14:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received copy of the back of the Perm Res Card. - Due Diligence Vendor-06/27/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-06/25/2025 <br>Open-Missing back of Permanent Resident card - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/25/2025 | Resolved-Received copy of the back of the Perm Res Card. - Due Diligence Vendor-06/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 761<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 37.58% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304702139 D B A | Closed | FCOM1302 | 2025-05-01 09:18 | 2025-05-01 09:18 | Waived | 2 - Non-Material B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '4'). -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/01/2025 |  | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '4'). -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 761<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 37.58% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | XXXX |
| XXXX |  | 304702207 D A C | Closed | FCRE1150 | 2025-05-02 14:48 | 2025-05-07 15:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Subordination Agreement is Missing | Resolved-Received UCC Termination. - Due Diligence Vendor-05/07/2025 <br>Ready for Review-Document Uploaded. Please see attached UCC termination. - Seller-05/05/2025 <br>Open-Missing Subordination Agreement Provide Subordination Agreement for financed solar panels. - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. Please see attached UCC termination. - Seller-05/05/2025<br>| Resolved-Received UCC Termination. - Due Diligence Vendor-05/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 755<br>Qualifying DTI below maximum allowed - Max DTI 50% - Borrower's DTI 41% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX |
| XXXX |  | 304702207 D A C | Closed | finding-3635 | 2025-05-01 14:24 | 2025-05-02 15:50 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved------Lender credit on final CD XXXX, $59.80 for increase in Closing Costs above legal limit. Finding resolved. - Due Diligence Vendor-05/02/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($425.00) exceed the comparable charges ($332.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Lender credit on final CD 04/26/2025, $59.80 for increase in Closing Costs above legal limit. Finding resolved. - Due Diligence Vendor-05/01/2025 |  | Resolved------Lender credit on final CD XXXX, $59.80 for increase in Closing Costs above legal limit. Finding resolved. - Due Diligence Vendor-05/02/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 755<br>Qualifying DTI below maximum allowed - Max DTI 50% - Borrower's DTI 41% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX |
| XXXX |  | 304702212 D A | Closed | FCRE1345 | 2025-05-05 13:54 | 2025-06-13 15:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved-Received fully executed lease - Due Diligence Vendor-06/13/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-06/12/2025 <br>Open-Borrower 1 Lease Agreements Missing Missing 1007 or lease supporting rental income. - Due Diligence Vendor-05/05/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/12/2025<br>| Resolved-Received fully executed lease - Due Diligence Vendor-06/13/2025<br>| LTV is less than guideline maximum - Lender max LTV is 85%, subject LTV 71.77%.<br>Months Reserves exceed minimum required - Lender minimum reserves 3m PITIA, borrower reserves 5.82m. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | N/A | N/A | XXXX |
| XXXX |  | 304702209 C A | Closed | FCRE5790 | 2025-05-05 11:25 | 2025-05-15 15:22 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received UDM. - Due Diligence Vendor-05/15/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-05/14/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Gap credit report or an Undisclosed Debt Notification (UDN) is required within 10 days of closing date. - Due Diligence Vendor-05/05/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-05/14/2025<br>| Resolved-Received UDM. - Due Diligence Vendor-05/15/2025<br>| Months Reserves exceed minimum required - 0 mths required- Borrower has 11.73 mths in reserves<br>LTV is less than guideline maximum - Guidelines allow LTV to 65%. Subject loan LTV is 55.11%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX |  | 304702183 C B A | Closed | FCRE1440 | 2025-05-06 10:41 | 2025-08-01 15:37 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Mortgage/Note. No payments were required. - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. Please see attached note the 2nd lien for property XXXX. does not have payments but a balloon due in 2026 that was paid off through the other loan. XXXX - Seller-07/31/2025 <br> Counter-VOM for property XXXX provided, however we are missing the VOM for the 2nd lien for property XXXX. (account XXXX) - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Please reconsider as the previously provided VOM reflects XXXX. This is the correct VOM and meets guidelines. - Seller-07/28/2025 <br> Counter-Received duplicate documentation-original finding remains. - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. - Seller-06/09/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing second lien mortgage history for the borrower's other investment property, with a balance of XXXX. Missing payment history from XXXX for the subject first lien mortgage. The VOM reflects XXXX is a private mortgage but the servicer is collecting the payments. - Due Diligence Vendor-05/06/2025 | Ready for Review-Document Uploaded. Please see attached note the 2nd lien for property XXXX. does not have payments but a balloon due in 2026 that was paid off through the other loan. XXXX - Seller-07/31/2025 <br> Ready for Review-Please reconsider as the previously provided VOM reflects XXXX. This is the correct VOM and meets guidelines. - Seller-07/28/2025 <br> Ready for Review-Document Uploaded. - Seller-06/09/2025 | Resolved-Received Mortgage/Note. No payments were required. - Due Diligence Vendor-08/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 752 FICO with 700 min<br>Qualifying DTI below maximum allowed - 26.19% DTI with 50% max |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX |
| XXXX |  | 304702183 C B A | Closed | FCRE2244 | 2025-05-06 11:00 | 2025-07-24 17:43 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-An updated appraisal was provided with comments from the appraiser stating the water was a result of a temp. leak from the washing machine and does not impact marketability or is a safety concern. - Due Diligence Vendor-07/24/2025 <br>Ready for Review-Document Uploaded. Please see attached updated appraisal with comments regarding the water leak. - Seller-07/24/2025 <br>Counter-Documentation received is insufficient-original finding remains. - Due Diligence Vendor-06/09/2025 <br>Ready for Review-We respectfully disagree. While the appraisal photo shows staining on the basement floor, there is no conclusive evidence of an active water leak. The appraiser did not note any moisture issues, structural damage, or adverse impact to marketability or livability in the body of the report. The property was appraised "as-is," and no repairs were called out, which supports the appraiser's conclusion that the condition did not warrant adjustment or commentary. - Seller-06/06/2025 <br>Open-Property Issues are identified for the property Appraiser to address the basement laundry area (p. 50), which reflects a water leak. - Due Diligence Vendor-05/06/2025 | Ready for Review-Document Uploaded. Please see attached updated appraisal with comments regarding the water leak. - Seller-07/24/2025 <br>Ready for Review-We respectfully disagree. While the appraisal photo shows staining on the basement floor, there is no conclusive evidence of an active water leak. The appraiser did not note any moisture issues, structural damage, or adverse impact to marketability or livability in the body of the report. The property was appraised "as-is," and no repairs were called out, which supports the appraiser's conclusion that the condition did not warrant adjustment or commentary. - Seller-06/06/2025<br>| Resolved-An updated appraisal was provided with comments from the appraiser stating the water was a result of a temp. leak from the washing machine and does not impact marketability or is a safety concern. - Due Diligence Vendor-07/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 752 FICO with 700 min<br>Qualifying DTI below maximum allowed - 26.19% DTI with 50% max |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX |
| XXXX |  | 304702183 C B A | Closed | FCRE1437 | 2025-05-06 11:37 | 2025-06-10 17:19 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Originator provided a waiver for 80% LTV bank statement program, NSF 4>3 allowed and utilizing 2 business accounts, applied to non material finding with comp factors - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. - Seller-06/09/2025 <br> Open-Income and Employment Do Not Meet Guidelines ---The subject closed with 12 months of bank statements. 1) The guidelines for LTVs equal to 80% state that no more than 3 NSF occurrences in the prior 3 months (overdrafts must also be considered as NSF). The bank statements for account ending XXXX reflect the following overdraft dates: 2/10/2025, 2/11/2025, 1/15/2025, 1/21/2025. The bank statements for account ending XXXX had a overdraft on 2/28/2025. 2) The guidelines state that only one business account can be used; however, 2 accounts were used, and an exception was not in file. Additional findings may apply. - Due Diligence Vendor-05/06/2025 | Ready for Review-Document Uploaded. - Seller-06/09/2025<br>| Waived-Originator provided a waiver for 80% LTV bank statement program, NSF 4>3 allowed and utilizing 2 business accounts, applied to non material finding with comp factors - Due Diligence Vendor-06/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 752 FICO with 700 min<br>Qualifying DTI below maximum allowed - 26.19% DTI with 50% max | DTI: 5%< than max allowed<br> FICO: 20 points higher than minimum required<br> Employment: >5 years with employer. <br> Residual Income: >1.5 times XXXX month residual income. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | XXXX |
| XXXX |  | 304702158 D A | Closed | FCRE7497 | 2025-05-06 11:52 | 2025-05-08 15:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received CD. - Due Diligence Vendor-05/08/2025 <br>Ready for Review-Document Uploaded. Please see Final CD for property 3D showing the Final PITI payment. Please note that the property is a detached SFR without an HOA - Seller-05/07/2025 <br>Open-Provide the PITI information and mortgage payment information for property 3d. - Due Diligence Vendor-05/06/2025 | Ready for Review-Document Uploaded. Please see Final CD for property 3D showing the Final PITI payment. Please note that the property is a detached SFR without an HOA - Seller-05/07/2025<br>| Resolved-Received CD. - Due Diligence Vendor-05/08/2025<br>| Months Reserves exceed minimum required - 0 reserves req'd- Borrower's reserves 103.76 months <br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 39.9% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304702157 D A | Closed | FCRE7497 | 2025-05-06 12:18 | 2025-05-08 15:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received CD - Due Diligence Vendor-05/08/2025 <br>Ready for Review-Document Uploaded. Please see Final CD showing the PITI for Property 3D. Please note property is a detached SFR without an HOA. - Seller-05/07/2025 <br>Open-Provide the PITI information and mortgage payment information for property 3d. - Due Diligence Vendor-05/06/2025 | Ready for Review-Document Uploaded. Please see Final CD showing the PITI for Property 3D. Please note property is a detached SFR without an HOA. - Seller-05/07/2025<br>| Resolved-Received CD - Due Diligence Vendor-05/08/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 39% <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 745 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304702155 D A | Closed | FCRE1325 | 2025-05-06 11:17 | 2025-05-15 15:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received correct CPA letter - Due Diligence Vendor-05/15/2025 <br>Ready for Review-Please see attached. - Seller-05/14/2025 <br>Open-CPA letter is not dated - Due Diligence Vendor-05/06/2025 | Ready for Review-Please see attached. - Seller-05/14/2025<br>| Resolved-Received correct CPA letter - Due Diligence Vendor-05/15/2025<br>| LTV is less than guideline maximum - Max LTV is 80%, borrowers LTV is 70.43%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers mid score is 761 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX |  | 304702143 C B A | Closed | FCRE0116 | 2025-05-07 13:39 | 2025-05-08 15:12 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Warrantability Documentation | Resolved-Received UW attestation. - Due Diligence Vendor-05/08/2025 <br>Ready for Review-Document Uploaded. Please see attached 1008 showing Condo it warrantable - Seller-05/08/2025 <br>Open-UW Attestation is not in file as required by the guidelines - Due Diligence Vendor-05/07/2025 | Ready for Review-Document Uploaded. Please see attached 1008 showing Condo it warrantable - Seller-05/08/2025<br>| Resolved-Received UW attestation. - Due Diligence Vendor-05/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 640, borrower FICO 788<br>Months Reserves exceed minimum required - Lender minimum reserves 0m PITIA, borrower reserves 8.07m. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304702143 C B A | Closed | FPRO0021 | 2025-05-06 14:40 | 2025-05-08 15:11 | Resolved | 1 - Information C A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Upon further review, the appraisal meets the Disaster Policy requirements. - Due Diligence Vendor-05/08/2025 <br> Ready for Review-Document Uploaded. Please refer to the attached XXXX policy which requires a PDI or additional commentary for appraisals completed within 30 days after a disaster end date. The subject appraisal dated XXXX, 31 days after the disaster declaration end date of XXXX; as such, a PDI or additional commentary is not required. - Seller-05/07/2025 <br> Open-XXXX, Appraisal completed Post Disaster on XXXX, Appraiser must provide commentary on the adverse event and certify there has been no change in the valuation. - Due Diligence Vendor-05/06/2025 | Ready for Review-Document Uploaded. Please refer to the attached XXXX policy which requires a PDI or additional commentary for appraisals completed within 30 days after a disaster end date. The subject appraisal dated XXXX, 31 days after the disaster declaration end date of XXXX; as such, a PDI or additional commentary is not required. - Seller-05/07/2025 | Resolved-Upon further review, the appraisal meets the Disaster Policy requirements. - Due Diligence Vendor-05/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 640, borrower FICO 788<br>Months Reserves exceed minimum required - Lender minimum reserves 0m PITIA, borrower reserves 8.07m. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304702143 C B A | Closed | FCOM1302 | 2025-05-02 12:19 | 2025-05-02 13:17 | Waived | 2 - Non-Material B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '4'). Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/02/2025 |  | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '4'). Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 640, borrower FICO 788<br>Months Reserves exceed minimum required - Lender minimum reserves 0m PITIA, borrower reserves 8.07m. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX |
| XXXX |  | 304702122 D A C | Closed | FCRE6019 | 2025-05-06 18:16 | 2025-05-21 13:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-After further review, the guidelines do not require the country of origin or passport. - Due Diligence Vendor-05/21/2025 <br>Ready for Review-We respectfully disagree. The guidelines do not require an EAD or VISA for ITIN borrowers and the loan file included the IRS ITIN letter and Unexpired Government Photo ID for the borrower. Per Non-QM guidelines, 2.1 Eligible Borrowers; ITIN (Individual Tax Identification Number) A Non-Permanent Resident Alien without an SSN can qualify using ITIN (Individual Taxpayer Identification Number)<br> o The borrower(s) must possess a valid ITIN card or IRS ITIN letter, and an Unexpired Government Photo ID (i.e. Driver's license, International Passport, etc.)<br> - Seller-05/08/2025 <br>Open-Borrower Citizenship Documentation Is Missing Provide USCIS documentation including EAD Card or VISA for borrower who is a non-permanent resident alien with ITIN. - Due Diligence Vendor-05/06/2025 | Ready for Review-We respectfully disagree. The guidelines do not require an EAD or VISA for ITIN borrowers and the loan file included the IRS ITIN letter and Unexpired Government Photo ID for the borrower. Per Non-QM guidelines, 2.1 Eligible Borrowers; ITIN (Individual Tax Identification Number) A Non-Permanent Resident Alien without an SSN can qualify using ITIN (Individual Taxpayer Identification Number)<br> o The borrower(s) must possess a valid ITIN card or IRS ITIN letter, and an Unexpired Government Photo ID (i.e. Driver's license, International Passport, etc.)<br> - Seller-05/08/2025<br>| Resolved-After further review, the guidelines do not require the country of origin or passport. - Due Diligence Vendor-05/21/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 38.7% <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640- Borrower's FICO 774 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304702122 D A C | Closed | finding-3634 | 2025-05-06 18:32 | 2025-05-07 13:12 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Fiinal CD XXXX, Lender credit $400 for closing costs that exceed legal limit. Finding resolved. - Due Diligence Vendor-05/07/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $400.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Fiinal CD 4/29/2025, Lender credit $400 for closing costs that exceed legal limit. Finding resolved. - Due Diligence Vendor-05/06/2025 |  | Resolved-Fiinal CD XXXX, Lender credit $400 for closing costs that exceed legal limit. Finding resolved. - Due Diligence Vendor-05/07/2025 | Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 38.7% <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640- Borrower's FICO 774 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304702145 C B A | Closed | FCRE1482 | 2025-05-08 07:50 | 2025-07-25 09:41 | Waived | 2 - Non-Material C B | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Waived-Originator provided a waiver for sourcing closing funds-receipt of gift funds, applied to non material finding with comp factors - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. The XXXX guide does not require sourcing of large deposits. Please update the finding accordingly. - Seller-07/24/2025 <br> Counter-Excluding Gift funds will result in funds short to close. In addition, there are 3 deposits into XXXX, 04/22/2025, 04/24/2025 and 04/25/2025 which are unsourced. - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. Please see attached statements supporting borrower had sufficient funds without the gift funds. - Seller-06/20/2025 <br> Open-Asset 4 Does Not Meet Guideline Requirements Provide proof that the Gift Funds were given to the Borrower or to Title Escrow. - Due Diligence Vendor-05/08/2025 | Ready for Review-Document Uploaded. The XXXX guide does not require sourcing of large deposits. Please update the finding accordingly. - Seller-07/24/2025 <br> Ready for Review-Document Uploaded. Please see attached statements supporting borrower had sufficient funds without the gift funds. - Seller-06/20/2025 | Waived-Originator provided a waiver for sourcing closing funds-receipt of gift funds, applied to non material finding with comp factors - Due Diligence Vendor-07/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 778<br>Months Reserves exceed minimum required - 3 mths reserves req'd- Borrower has 15.93 mths in reserves | FICO: 20 points above minimum<br> Employment: 5+ years<br> DTI: qualifying DTI 5% below maximum. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | XXXX |
| XXXX |  | 304702145 C B A | Closed | FCRE9996 | 2025-05-08 07:59 | 2025-05-19 15:06 | Resolved | 1 - Information C A | Credit | Eligibility | Condo does not meet requirements | Resolved-Received condo review confirmation. - Due Diligence Vendor-05/19/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-05/16/2025 <br>Open-UW Attestation and/or documentation clearly stating whether the project review completed resulted in condo being determined as warrantable or non-warrantable must be delivered with the file. - Due Diligence Vendor-05/08/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-05/16/2025<br>| Resolved-Received condo review confirmation. - Due Diligence Vendor-05/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 778<br>Months Reserves exceed minimum required - 3 mths reserves req'd- Borrower has 15.93 mths in reserves |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304702126 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  | XXXX |
| XXXX |  | 304702199 C B A | Closed | FCRE6844 | 2025-05-08 16:05 | 2025-06-06 10:50 | Resolved | 1 - Information C A | Credit | Assets | Gift Funds General | Resolved-Confirmation additional gift funds were not used provided. - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. - Seller-06/06/2025 <br> Ready for Review-Please waive as gift funds were not received. Exception waiver will be uploaded to the other finding. Thank you. - Seller-06/06/2025 <br> Open-Provide corrected Gift Letter , matching gift funds wired. Current gift letter is for XXXX gifts verified wired to Title Co. If Gift letter for XXXX is correct, provide proof of additional XXXX in gifts wired to escrow. - Due Diligence Vendor-05/08/2025 | Ready for Review-Document Uploaded. - Seller-06/06/2025 <br>Ready for Review-Please waive as gift funds were not received. Exception waiver will be uploaded to the other finding. Thank you. - Seller-06/06/2025<br>| Resolved-Confirmation additional gift funds were not used provided. - Due Diligence Vendor-06/06/2025<br>| Qualifying DTI below maximum allowed - Lender minimum DTI 50%, borrower DTI 40.91%.<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 680, borrower FICO 703. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304702199 C B A | Closed | FCRE1198 | 2025-05-08 16:01 | 2025-06-06 10:49 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator waiver applied to non material finding with compensation factors. Exception to allow 4.76 months reserves in lieu of 6. - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. - Seller-06/06/2025 <br>Open-Audited Reserves of 4.76 month(s) are less than Guideline Required Reserves of 6 month(s) 1. Provide additional assets to meet reserve requirement. <br> - Due Diligence Vendor-05/08/2025 | Ready for Review-Document Uploaded. - Seller-06/06/2025<br>| Waived-Originator waiver applied to non material finding with compensation factors. Exception to allow 4.76 months reserves in lieu of 6. - Due Diligence Vendor-06/06/2025<br>| Qualifying DTI below maximum allowed - Lender minimum DTI 50%, borrower DTI 40.91%.<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 680, borrower FICO 703. | Qualifying FICO score is at least 20 points above minimum for<br> LTV is 5% less than guideline maximum | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | XXXX |
| XXXX |  | 304702199 C B A | Closed | FPRO0011 | 2025-05-08 16:39 | 2025-05-13 14:51 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Upon further review, the loan file contained all required disaster documentation as appraisal completed over 30 days after. - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. Please refer to the attached XXXX policy which requires a PDI or additional commentary for appraisals completed within 30 days after the disaster end date. The subject appraisal was completed on XXXX, 55 days after the disaster declaration end date of XXXX; as such, a PDI or additional commentary is not required. - Seller-05/12/2025 <br> Open-CXXXX, Appraisal completed Post Disaster on XXXX, Appraiser must provide commentary on the adverse event and certify there has been no change in the valuation. - Due Diligence Vendor-05/08/2025 | Ready for Review-Document Uploaded. Please refer to the attached XXXX policy which requires a PDI or additional commentary for appraisals completed within 30 days after the disaster end date. The subject appraisal was completed on XXXX, 55 days after the disaster declaration end date of XXXX; as such, a PDI or additional commentary is not required. - Seller-05/12/2025 | Resolved-Upon further review, the loan file contained all required disaster documentation as appraisal completed over 30 days after. - Due Diligence Vendor-05/13/2025<br>| Qualifying DTI below maximum allowed - Lender minimum DTI 50%, borrower DTI 40.91%.<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 680, borrower FICO 703. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304702124 C A | Closed | finding-47 | 2025-05-07 12:36 | 2025-06-04 08:17 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD 5/29/2025, disbursement date XXXX. - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document Uploaded. - Seller-06/03/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date XXXX. - Due Diligence Vendor-05/07/2025 | Ready for Review-Document Uploaded. - Seller-06/03/2025<br>| Resolved-Received PCCD 5/29/2025, disbursement date XXXX. - Due Diligence Vendor-06/04/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 745<br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 27.18% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX |  | 304702147 C B A | Closed | FCRE1498 | 2025-05-13 13:41 | 2025-05-13 13:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower Rental Experience Insufficient per Guidelines (DSCR) | Waived-Borrower Rental Experience Insufficient per Guidelines (DSCR Loan Type) First time investors must have owned primary residence for at least 12 months. <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to strong compensating factors and loan is non-ATR. - Due Diligence Vendor-05/13/2025 |  | Waived-Borrower Rental Experience Insufficient per Guidelines (DSCR Loan Type) First time investors must have owned primary residence for at least 12 months. <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to strong compensating factors and loan is non-ATR. - Due Diligence Vendor-05/13/2025<br>| DSCR % greater than 1.20 - DSCR % greater than 1.20-- Borrower's DSCR% is 1.268<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 700 | 24 mo credit history exceeds min of 6 mo's required. <br> Score is 20 points above min required. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | XXXX |
| XXXX |  | 304702138 C B A | Closed | FCRE1254 | 2025-05-13 12:28 | 2025-05-21 15:16 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Revised Prelim. - Due Diligence Vendor-05/21/2025 <br> Ready for Review-Document Uploaded. Please see attached Final Title Policy with correct address of XXXX. - Seller-05/19/2025 <br> Open-Property Title Issue Title to confirm if the town is XXXX, then all the file legal and documents to all reflect the same, correct address. - Due Diligence Vendor-05/13/2025 | Ready for Review-Document Uploaded. Please see attached Final Title Policy with correct address of XXXX. - Seller-05/19/2025 | Resolved-Received Revised Prelim. - Due Diligence Vendor-05/21/2025<br>| Months Reserves exceed minimum required - 7.81 mths reserves; 3 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 746 Min FICO 660- Borrower's FICO 746 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304702138 C B A | Closed | finding-3652 | 2025-05-09 14:43 | 2025-05-19 10:50 | Cured | 2 - Non-Material C B | Compliance | TRID | Lender Credits That Cannot Decrease Test | Cured-Received PCCD 5/16/2025, refund check for $341.20, LOE and proof of delivery to borrower. - Due Diligence Vendor-05/19/2025 <br> Ready for Review-Document Uploaded. - Seller-05/16/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($13,120.80) does not exceed or equal the comparable sum of specific and non-specific lender credits ($13,462.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Lender credit decreased from $13,462 to $13120.80 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $341.20, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX. [COC issued after closing, corresponds to PCCD 05/05/2025]<br> - Due Diligence Vendor-05/09/2025 | Ready for Review-Document Uploaded. - Seller-05/16/2025<br>| Cured-Received PCCD 5/16/2025, refund check for XXXX, LOE and proof of delivery to borrower. - Due Diligence Vendor-05/19/2025 | Months Reserves exceed minimum required - 7.81 mths reserves; 3 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 746 Min FICO 660- Borrower's FICO 746 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304702138 C B A | Closed | FCRE6844 | 2025-05-13 13:14 | 2025-05-16 11:13 | Resolved | 1 - Information C A | Credit | Assets | Gift Funds General | Resolved-Gifts funds were reduced so the borrower did not receive funds back at closing per guides. - Due Diligence Vendor-05/16/2025 <br>Ready for Review-We respectfully disagree. Company Policy does not require a corrected Gift Letter if the amount needed for closing is less than the Gift amount approved by the Underwriter. Per company policy, the amount on the Gift Letter is the maximum the Donor is able to gift; if the Cash to Close decreases at closing, we do not require the borrower to provide new Letters, nor the Underwriter to review the Decrease. We ask that this condition be cleared. - Seller-05/14/2025 <br>Open-Provide corrected gift letter to match the gift funds given to Escrow. - Due Diligence Vendor-05/13/2025 | Ready for Review-We respectfully disagree. Company Policy does not require a corrected Gift Letter if the amount needed for closing is less than the Gift amount approved by the Underwriter. Per company policy, the amount on the Gift Letter is the maximum the Donor is able to gift; if the Cash to Close decreases at closing, we do not require the borrower to provide new Letters, nor the Underwriter to review the Decrease. We ask that this condition be cleared. - Seller-05/14/2025<br>| Resolved-Gifts funds were reduced so the borrower did not receive funds back at closing per guides. - Due Diligence Vendor-05/16/2025<br>| Months Reserves exceed minimum required - 7.81 mths reserves; 3 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 746 Min FICO 660- Borrower's FICO 746 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304702138 C B A | Closed | FCRE1510 | 2025-05-09 14:13 | 2025-05-15 15:33 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-05/15/2025 <br>Ready for Review-Please refer to page 617 of the previously uploaded loan file for the requested legal description. - Seller-05/14/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Provide the missing Legal Description to the Deed of Trust.<br> - Due Diligence Vendor-05/09/2025 | Ready for Review-Please refer to page 617 of the previously uploaded loan file for the requested legal description. - Seller-05/14/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-05/15/2025<br>| Months Reserves exceed minimum required - 7.81 mths reserves; 3 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 746 Min FICO 660- Borrower's FICO 746 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304702201 C A | Closed | FCRE1510 | 2025-05-12 11:58 | 2025-05-19 15:42 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-05/19/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-05/15/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----No Legal Description with the DOT. - Due Diligence Vendor-05/12/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-05/15/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-05/19/2025<br>| LTV is less than guideline maximum - Lender max LTV 90%, subject LTV 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 660, borrower FICO 784. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304713580 B A | Closed | FCRE8201 | 2025-05-21 11:39 | 2025-05-21 12:16 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted to allow subject units to be vacant [due to recently remodeled; units 1-5 vacant], guidelines allow 2 vacant max). <br> Non-material waiver applied to finding with compensating factors. Refinance. Long term residence, sufficient reserves. - Due Diligence Vendor-05/21/2025 <br>Open-Lender Exception Granted: Approved to allow units to be vacant due to recently remodeled. (Units 1-5 vacant, guides allow 2 vacant max). Received lease agreements and proof of deposit of 1st month's rent and rental deposit. - Due Diligence Vendor-05/21/2025 |  | Waived-Originator exception granted to allow subject units to be vacant [due to recently remodeled; units 1-5 vacant], guidelines allow 2 vacant max). <br> Non-material waiver applied to finding with compensating factors. Refinance. Long term residence, sufficient reserves. - Due Diligence Vendor-05/21/2025<br>| Credit history exceeds minimum required - 24+months on time mortgage history.<br>Long term residence - 4+ year in primary residence. | 1. 24+m on time mortgage history.<br> 2. 4+ years in primary. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | XXXX |
| XXXX |  | 304736048 C A | Closed | finding-651 | 2025-06-16 14:17 | 2025-06-24 09:48 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Please note that the XXXX 1004D Fee should not be included as a Finance Charge. Removing the 1004D fee will put the Finance Charge back within range. Can this please be reviewed and cleared?<br>1026.4(c)<br> (c) Charges excluded from the finance charge. The following charges are not finance charges:<br> (7) Real-estate related fees. The following fees in a transaction secured by real property or in a residential mortgage transaction, if the fees are bona fide and reasonable in amount:<br> Official interpretation of 4(c)(7) Real-Estate Related Fees<br> (i) Fees for title examination, abstract of title, title insurance, property survey, and similar purposes.<br> (ii) Fees for preparing loan-related documents, such as deeds, mortgages, and reconveyance or settlement documents.<br> (iii) Notary and credit-report fees.<br> (iv) Property appraisal fees or fees for inspections to assess the value or condition of the property if the service is performed prior to closing, including fees related to pest-infestation or flood-hazard determinations.<br> (v) Amounts required to be paid into escrow or trustee accounts if the amounts would not otherwise be included in the finance charge.<br> - Seller-06/22/2025 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is XXXX. The disclosed finance charge of XXXX is not considered accurate because it is understated by more than $XXXX. ----- This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)). The finance charge is XXXX. The disclosed finance charge of $XXXX is not considered accurate because it is understated by more than XXXX. Provide evidence of refund or principal reduction of XXXX, or at a minimum to the XXXX threshold, corrected PCCD, Letter of explanation and proof of delivery to borrower within 60 days of discovery. Statue of Limitations - 1 year, expiration date XXXX.<br> - Due Diligence Vendor-06/16/2025 | Ready for Review-Please note that the XXXX 1004D Fee should not be included as a Finance Charge. Removing the 1004D fee will put the Finance Charge back within range. Can this please be reviewed and cleared?<br>1026.4(c)<br> (c) Charges excluded from the finance charge. The following charges are not finance charges:<br> (7) Real-estate related fees. The following fees in a transaction secured by real property or in a residential mortgage transaction, if the fees are bona fide and reasonable in amount:<br> Official interpretation of 4(c)(7) Real-Estate Related Fees<br> (i) Fees for title examination, abstract of title, title insurance, property survey, and similar purposes.<br> (ii) Fees for preparing loan-related documents, such as deeds, mortgages, and reconveyance or settlement documents.<br> (iii) Notary and credit-report fees.<br> (iv) Property appraisal fees or fees for inspections to assess the value or condition of the property if the service is performed prior to closing, including fees related to pest-infestation or flood-hazard determinations.<br> (v) Amounts required to be paid into escrow or trustee accounts if the amounts would not otherwise be included in the finance charge.<br> - Seller-06/22/2025 | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-06/24/2025<br>| Months Reserves exceed minimum required - 6 month minimum reserve requirement, borrower has 18.32 documented<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 722 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304736028 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  | XXXX |
| XXXX |  | 304736040 D A | Closed | FCRE1194 | 2025-06-20 12:18 | 2025-06-24 13:42 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Upon further review, Bank Statement program uses XXXX Matrix. Audited LTV of 75% is less than or equal to Guideline LTV of 75% - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. Please see attached. Based on the matrix, the Bank statement will qualify under the XXXX matrix requirements which allows a 75% LTV for investments. - Seller-06/23/2025 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 70% Per Alt Doc Lite guides max Investment cash out LTV = 70% - Due Diligence Vendor-06/20/2025 | Ready for Review-Document Uploaded. Please see attached. Based on the matrix, the Bank statement will qualify under the XXXX matrix requirements which allows a 75% LTV for investments. - Seller-06/23/2025 | Resolved-Upon further review, Bank Statement program uses Lite Full Doc Matrix. Audited LTV of 75% is less than or equal to Guideline LTV of 75% - Due Diligence Vendor-06/24/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 35% <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 779 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX |  | 304736040 D A | Closed | FCRE1492 | 2025-06-20 12:10 | 2025-06-24 13:40 | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Received 1031 Exchange Documentation. - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-06/23/2025 <br> Open-Cash Out Does Not Meet Guideline Requirements Provide proof of the Final CD and assets used for the purchase of the property on XXXX to confirm the loan meet the Delayed Financing requirements. The loan amount can be no more than the documented asses of the borrower's used in the purchase. - Due Diligence Vendor-06/20/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/23/2025<br>| Resolved-Received 1031 Exchange Documentation. - Due Diligence Vendor-06/24/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 35% <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 779 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX |  | 304736040 D A | Closed | FCRE7497 | 2025-06-19 16:03 | 2025-06-23 13:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received Loan Estimates and Closing Disclosures. - Due Diligence Vendor-06/23/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-06/20/2025 <br>Open-Provide proof of the new mortgages with Cake for properties 3c,3d, 3e, 3g and 3i. - Due Diligence Vendor-06/19/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/20/2025<br>| Resolved-Received Loan Estimates and Closing Disclosures. - Due Diligence Vendor-06/23/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 35% <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 779 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX |  | 304736040 D A | Closed | FCRE0044 | 2025-06-19 15:56 | 2025-06-23 13:49 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOE - Due Diligence Vendor-06/23/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-06/20/2025 <br>Open-LOX for credit inquiries is missing. Provide a credit inquiry letter. - Due Diligence Vendor-06/19/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/20/2025<br>| Resolved-Received LOE - Due Diligence Vendor-06/23/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 35% <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 779 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX |  | 304736040 D A | Closed | FCRE0136 | 2025-06-19 16:02 | 2025-06-23 13:46 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Underwriter Attestation | Resolved-Received UW attestation. - Due Diligence Vendor-06/23/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-06/20/2025 <br>Open-Provide the Underwriter Attestation. - Due Diligence Vendor-06/19/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/20/2025<br>| Resolved-Received UW attestation. - Due Diligence Vendor-06/23/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 35% <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 779 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX |  | 304736053 C A | Closed | FCRE0099 | 2025-06-23 15:02 | 2025-07-25 15:28 | Resolved | 1 - Information C A | Credit | Eligibility | Discrepancy between Condo Questionnaire and Appraisal | Resolved-Updated appraisal was provided with the correct number of units and rented units. Meets non-warrantable guidelines. - Due Diligence Vendor-07/25/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-07/23/2025 <br>Open-Appraisal shows 308 total units and rented units at 100 (32% investor) vs questionnaire at 176 total units and 102 rented results in 58% investor concentration. Lender to confirm which is correct. 58% investor concentration would be considered a non-warrantable condo per FNMA. Audit considering as warrantable condo at initial review. - Due Diligence Vendor-06/23/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-07/23/2025<br>| Resolved-Updated appraisal was provided with the correct number of units and rented units. Meets non-warrantable guidelines. - Due Diligence Vendor-07/25/2025<br>| DSCR % greater than 1.20 - DSCR is 1.427.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 811; guidelines require 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304736053 C A | Closed | FCRE1483 | 2025-06-23 15:06 | 2025-06-26 14:08 | Resolved | 1 - Information C A | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Resolved-Received wires and Gift Letters. - Due Diligence Vendor-06/26/2025 <br>Ready for Review-Document Uploaded. Please see attached gift letters and wires to escrow for all gift funds. - Seller-06/25/2025 <br>Open-Asset 5 Does Not Meet Guideline Requirements Missing evidence of $100K gift funds transferred from donor to escrow. - Due Diligence Vendor-06/23/2025 | Ready for Review-Document Uploaded. Please see attached gift letters and wires to escrow for all gift funds. - Seller-06/25/2025<br>| Resolved-Received wires and Gift Letters. - Due Diligence Vendor-06/26/2025<br>| DSCR % greater than 1.20 - DSCR is 1.427.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 811; guidelines require 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304736019 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  | XXXX |
| XXXX |  | 304736027 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  | XXXX |
| XXXX |  | 304736050 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  | XXXX |
| XXXX |  | 304735996 D A | Closed | FCRE7497 | 2025-06-24 09:27 | 2025-06-30 15:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received Loan Estimates. - Due Diligence Vendor-06/30/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-06/26/2025 <br>Open-Provide proof of the new mortgages with Cake for properties 3c,3d, 3f, 3g and 3i. - Due Diligence Vendor-06/24/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/26/2025<br>| Resolved-Received Loan Estimates. - Due Diligence Vendor-06/30/2025<br>| Months Reserves exceed minimum required - 3 mths reserves required- Borrower has 84.28 mths in reserves. <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 779 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX |  | 304735996 D A | Closed | FCRE0108 | 2025-06-24 08:41 | 2025-06-30 15:21 | Resolved | 1 - Information C A | Credit | Insurance | Fidelity Coverage not met | Resolved-Upon further review, subject has XXXX, Fidelity Coverage not required by the guidelines. - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Fidelity coverage not required for condo projects consisting of less than or equal to 20 units per XXXX non-qm loan guide. - Seller-06/26/2025 <br> Open-Fidelity Coverage not met. Provide proof of sufficient Fidelity Coverage. - Due Diligence Vendor-06/24/2025 | Ready for Review-Fidelity coverage not required for condo projects consisting of less than or equal to 20 units per XXXX non-qm loan guide. - Seller-06/26/2025 | Resolved-Upon further review, subject has XXXX, Fidelity Coverage not required by the guidelines. - Due Diligence Vendor-06/30/2025 | Months Reserves exceed minimum required - 3 mths reserves required- Borrower has 84.28 mths in reserves. <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 779 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX |  | 304735996 D A | Closed | FCRE8887 | 2025-06-24 09:29 | 2025-06-30 15:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received revised 1003 loan application. - Due Diligence Vendor-06/30/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-06/26/2025 <br>Open-Provide the 1003 with the Toyota Lease included. - Due Diligence Vendor-06/24/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/26/2025<br>| Resolved-Received revised 1003 loan application. - Due Diligence Vendor-06/30/2025<br>| Months Reserves exceed minimum required - 3 mths reserves required- Borrower has 84.28 mths in reserves. <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 779 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX |  | 304735996 D A | Closed | FCRE1194 | 2025-06-24 09:22 | 2025-06-30 15:16 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Per the matrix, bank statement program uses the Full - Lite doc matrix.Audited LTV of 75% is less than or equal to Guideline LTV of 75% - Due Diligence Vendor-06/30/2025 <br>Ready for Review-Document Uploaded. Please see attached. Based on the matrix, the bank statement will qualify under the lite full doc matrix. - Seller-06/26/2025 <br>Open-Audited LTV of 75% exceeds Guideline LTV of 70% Max LTV 70%, Missing exception for 75% LTV. - Due Diligence Vendor-06/24/2025 | Ready for Review-Document Uploaded. Please see attached. Based on the matrix, the bank statement will qualify under the lite full doc matrix. - Seller-06/26/2025<br>| Resolved-Per the matrix, bank statement program uses the XXXX matrix.Audited LTV of 75% is less than or equal to Guideline LTV of 75% - Due Diligence Vendor-06/30/2025 | Months Reserves exceed minimum required - 3 mths reserves required- Borrower has 84.28 mths in reserves. <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 779 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX |  | 304735996 D A | Closed | FCRE0136 | 2025-06-24 09:28 | 2025-06-30 15:11 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Underwriter Attestation | Resolved-Received UW attestation. - Due Diligence Vendor-06/30/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-06/26/2025 <br>Open-Provide Underwriter Attestation advising if the Condo is or is not warrantable. - Due Diligence Vendor-06/24/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/26/2025<br>| Resolved-Received UW attestation. - Due Diligence Vendor-06/30/2025<br>| Months Reserves exceed minimum required - 3 mths reserves required- Borrower has 84.28 mths in reserves. <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 779 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX |  | 304735997 D A | Closed | FCRE1194 | 2025-06-24 11:56 | 2025-06-30 15:40 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Upon further review, the bank statement program uses Full - Lite matrix. Audited LTV of 75% is less than or equal to Guideline LTV of 75% - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. Based on the matrix, the Bank Statement will qualify under the XXXX matrix. - Seller-06/26/2025 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 70% Per Matrix the max LTV is 70% for Investment Cash Out, provide exception. - Due Diligence Vendor-06/24/2025 | Ready for Review-Document Uploaded. Based on the matrix, the Bank Statement will qualify under the XXXX matrix. - Seller-06/26/2025 | Resolved-Upon further review, the bank statement program uses XXXX matrix. Audited LTV of 75% is less than or equal to Guideline LTV of 75% - Due Diligence Vendor-06/30/2025 | Months Reserves exceed minimum required - Min reserves req'd 3 mths- Borrower's reserves 72.27 mths <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 779 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX |  | 304735997 D A | Closed | FCRE7497 | 2025-06-24 11:59 | 2025-06-30 15:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received Loan Estimates. - Due Diligence Vendor-06/30/2025 <br>Ready for Review-Please see attached - Seller-06/27/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-06/26/2025 <br>Open-Provide proof of the new mortgages with Cake for properties 3c,3d, 3f, 3g and 3i. - Due Diligence Vendor-06/24/2025 | Ready for Review-Please see attached - Seller-06/27/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-06/26/2025<br>| Resolved-Received Loan Estimates. - Due Diligence Vendor-06/30/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 3 mths- Borrower's reserves 72.27 mths <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 779 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX |  | 304735997 D A | Closed | FCRE6618 | 2025-06-24 12:00 | 2025-06-30 15:39 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received revised 1003. - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Please see attached - Seller-06/27/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-06/26/2025 <br> Open-Provide revised 1003 with XXXX Lease reflected. - Due Diligence Vendor-06/24/2025 | Ready for Review-Please see attached - Seller-06/27/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-06/26/2025<br>| Resolved-Received revised 1003. - Due Diligence Vendor-06/30/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 3 mths- Borrower's reserves 72.27 mths <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 779 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX |  | 304736080 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  | XXXX |
| XXXX |  | 304736070 C A | Closed | FCRE5790 | 2025-06-24 08:40 | 2025-07-09 14:41 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received Credit Report. - Due Diligence Vendor-07/09/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-07/08/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Provide Gap Credit report within 10 days of closing. - Due Diligence Vendor-06/24/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-07/08/2025<br>| Resolved-Received Credit Report. - Due Diligence Vendor-07/09/2025<br>| LTV is less than guideline maximum - Lender max LTV 90%, subject LTV 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 620, borrower FICO 705. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304736070 C A | Closed | FCRE6844 | 2025-06-24 09:01 | 2025-07-09 14:40 | Resolved | 1 - Information C A | Credit | Assets | Gift Funds General | Resolved-Received Gift Letter. - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-07/08/2025 <br> Open-Provide corrected gift letter for XXXX provided. Per Gift Wire, spouse provided entire gift funds used vs XXXX. - Due Diligence Vendor-06/24/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-07/08/2025<br>| Resolved-Received Gift Letter. - Due Diligence Vendor-07/09/2025<br>| LTV is less than guideline maximum - Lender max LTV 90%, subject LTV 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 620, borrower FICO 705. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304736100 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  | XXXX |
| XXXX |  | 304736086 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  | XXXX |
| XXXX |  | 304736078 D A | Closed | FCRE7497 | 2025-06-24 16:02 | 2025-06-27 13:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Upon further review, the loan file contains sufficient documentation for private party lien. - Due Diligence Vendor-06/27/2025 <br> Ready for Review-Document Uploaded. The HOI for XXXX is impounded as evidenced on the attached mortgage statement; therefore, the statement is not required. Additionally, as noted on the 1008, the borrower was qualified with the full $10,000 monthly payments for the $10,000 private lien on XXXX , therefore, additional information is not required. - Seller-06/25/2025 <br> Open-Missing HOI for property 3A as well as a mortgage statement or Note from private party lien (per 1003) - Due Diligence Vendor-06/24/2025 | Ready for Review-Document Uploaded. The HOI for XXXX is impounded as evidenced on the attached mortgage statement; therefore, the statement is not required. Additionally, as noted on the 1008, the borrower was qualified with the full $10,000 monthly payments for the $10,000 private lien on XXXX , therefore, additional information is not required. - Seller-06/25/2025 | Resolved-Upon further review, the loan file contains sufficient documentation for private party lien. - Due Diligence Vendor-06/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 754<br>Months Reserves exceed minimum required - 6 months minimum reserves required, borrower has 7.73 documented |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304732499 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  | XXXX |
| XXXX |  | 304736042 C B A | Closed | FCRE7569 | 2025-06-24 22:34 | 2025-06-30 16:45 | Waived | 2 - Non-Material C B | Credit | Debt | Mortgage history for primary residence less than 12 months | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed non material due to current primary mortgage shows no late and prior closed mortgages on credit report paid as agreed.<br> - Due Diligence Vendor-06/30/2025 <br>Ready for Review-Document Uploaded. The attached approved exception was uploaded in the loan file, please refer to page 795. - Seller-06/26/2025 <br>Open-First Time Investor and borrower not on mortgage note. Title only borrowers who are NOT on the note, require an exception. - Due Diligence Vendor-06/25/2025 | Ready for Review-Document Uploaded. The attached approved exception was uploaded in the loan file, please refer to page 795. - Seller-06/26/2025<br>| Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed non material due to current primary mortgage shows no late and prior closed mortgages on credit report paid as agreed.<br> - Due Diligence Vendor-06/30/2025<br>| Months Reserves exceed minimum required - Verified assets of 4.64 months exceeds the minimum required of 0 months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO of 782 is higher than the minimum FICO required of 720 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | XXXX |
| XXXX |  | 304736066 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  | XXXX |
| XXXX |  | 304736014 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  | XXXX |
| XXXX |  | 304736035 C A | Closed | finding-3652 | 2025-06-24 08:32 | 2025-06-27 07:18 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC 6/18/2025 - Due Diligence Vendor-06/27/2025 <br> Ready for Review-Document Uploaded. Please see attached which shows decrease in credit - Seller-06/26/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (**XXXX**) does not exceed or equal the comparable sum of specific and non-specific lender credits (XXXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Lender credit decreased from XXXX without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX . - Due Diligence Vendor-06/24/2025 | Ready for Review-Document Uploaded. Please see attached which shows decrease in credit - Seller-06/26/2025<br>| Resolved-Received COC 6/18/2025 - Due Diligence Vendor-06/27/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 40.79%<br>LTV is less than guideline maximum - Lender max LTV 80%, subject LTV 70%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304736058 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  | XXXX |
| XXXX |  | 304736103 C A | Closed | FCRE1510 | 2025-06-24 11:25 | 2025-06-30 15:07 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT signed and notorized. - Due Diligence Vendor-06/30/2025 <br>Ready for Review-Please see attached - Seller-06/27/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. DOT is not notarized or dated. - Due Diligence Vendor-06/24/2025 | Ready for Review-Please see attached - Seller-06/27/2025<br>| Resolved-Received DOT signed and notorized. - Due Diligence Vendor-06/30/2025<br>| Months Reserves exceed minimum required - Verified assets of 70.84 months exceeds the minimum required of 6 months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO of 772 is higher than the minimum FICO required of 680 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX |
| XXXX |  | 304732564 B A | Closed | FCOM1301 | 2025-06-25 00:07 | 2025-06-25 00:07 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. ----- Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-06/25/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. ----- Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-06/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 746 is more than 20 points higher than the guideline min of 720.<br>Qualifying DTI below maximum allowed - Qualifying DTI 33.26 is less than the guideline max of 50. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX |
| XXXX |  | 304736073 C A | Closed | finding-3634 | 2025-06-25 09:10 | 2025-06-26 12:50 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Zero (0%) tolerance fees increased by $350 (Appraisal Fee) without a valid COC in file. Final CD provided a $350 credit for increase in closing costs above the legal limit. - Due Diligence Vendor-06/26/2025 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $350.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Zero (0%) tolerance fees increased by $350 (Appraisal Fee) without a valid COC in file. Final CD provided a $350 credit for increase in closing costs above the legal limit. - Due Diligence Vendor-06/25/2025 |  | Resolved-Zero (0%) tolerance fees increased by $350 (Appraisal Fee) without a valid COC in file. Final CD provided a $350 credit for increase in closing costs above the legal limit. - Due Diligence Vendor-06/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 680, borrower FICO 743.<br>LTV is less than guideline maximum - Lender max LTV 80%, subject LTV 70%. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX |  | 304736098 C A | Closed | FCRE1440 | 2025-06-26 13:49 | 2025-07-03 15:59 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Rent Free letter was located in the loan file. - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Please refer to page 492 of the uploaded loan file for the rent free letter from the spouse. - Seller-07/01/2025 <br> Counter-Concur ownership of XXXX validated. Missing rent free letter from spouse. Must meet guidelines 6.8 - Due Diligence Vendor-07/01/2025 <br> Ready for Review-The borrower living with his spouse per the rent-free letter. According to the rent-free letter, the spouse owns the primary residence, not the borrower. Please refer to pages 482-492 of the uploaded loan file for evidence of the ownership of the primary residence by the spouse. - Seller-06/30/2025 <br> Counter-Loan file does not contain sufficient documentation to verify the ownership of the borrower primary residence. - Due Diligence Vendor-06/30/2025 <br> Ready for Review-We respectfully disagree. The borrower is married, living with his spouse. Please refer to the 1003 which indicates the borrower is married, the Rent Free letter is from XXXX, whose email is also listed on the borrower's 1003. - Seller-06/26/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Per letter in file borrower is living rent free because of a mutal agreement with owner of home. Per guidelines only borrowers living rent free with their spouse are acceptable. - Due Diligence Vendor-06/26/2025 | Ready for Review-Please refer to page 492 of the uploaded loan file for the rent free letter from the spouse. - Seller-07/01/2025 <br> Ready for Review-The borrower living with his spouse per the rent-free letter. According to the rent-free letter, the spouse owns the primary residence, not the borrower. Please refer to pages 482-492 of the uploaded loan file for evidence of the ownership of the primary residence by the spouse. - Seller-06/30/2025 <br> Ready for Review-We respectfully disagree. The borrower is married, living with his spouse. Please refer to the 1003 which indicates the borrower is married, the Rent Free letter is from XXXX, whose email is also listed on the borrower's 1003. - Seller-06/26/2025 | Resolved-Rent Free letter was located in the loan file. - Due Diligence Vendor-07/03/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR=/> 1.00 and minimum is .85 or less---- Borrower's DSCR % is 1.01 and minimum is .75<br>Months Reserves exceed minimum required - Minimum reserves req'd 0-- Borrower has 93.91 mths in reserves |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX |  | 304736098 C A | Closed | FCRE0045 | 2025-06-25 14:46 | 2025-07-01 14:13 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Received confirmation ITIN-not foreign national. - Due Diligence Vendor-07/01/2025 <br>Ready for Review-We respectfully disagree. An EAD or a VISA permitting employment is not required in addition to an ITIN letter from the IRS. - Seller-06/30/2025 <br>Counter-Please provide EAD or A VISA Permitting employment. - Due Diligence Vendor-06/30/2025 <br>Ready for Review-Document Uploaded. We respectfully disagree. An ACH is not required as the borrower is not a Foreign National but an ITIN holder/Non-Perm Resident Alien. Please see attached. - Seller-06/26/2025 <br>Open-Foreign National but the ACH form is Missing from file. Provide the ACH Form for a Non Permanent Resident. - Due Diligence Vendor-06/25/2025 | Ready for Review-We respectfully disagree. An EAD or a VISA permitting employment is not required in addition to an ITIN letter from the IRS. - Seller-06/30/2025 <br>Ready for Review-Document Uploaded. We respectfully disagree. An ACH is not required as the borrower is not a Foreign National but an ITIN holder/Non-Perm Resident Alien. Please see attached. - Seller-06/26/2025<br>| Resolved-Received confirmation ITIN-not foreign national. - Due Diligence Vendor-07/01/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR=/> 1.00 and minimum is .85 or less---- Borrower's DSCR % is 1.01 and minimum is .75<br>Months Reserves exceed minimum required - Minimum reserves req'd 0-- Borrower has 93.91 mths in reserves |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX |  | 304736098 C A | Closed | FCRE9999 | 2025-06-25 14:52 | 2025-06-30 15:52 | Resolved | 1 - Information C A | Credit | Eligibility | Legal document incorrect or has issues | Resolved-Received DOT w/Legal. - Due Diligence Vendor-06/30/2025 <br>Ready for Review-Document Uploaded. There is no Exhibit A to the DOT. If referring to the legal description, it is on page 3 of the attached DOT which was in the uploaded loan file. Please refer to pages 931-942. - Seller-06/26/2025 <br>Open-Provide the Exhibit A to the Deed of Trust/ Mortgage. - Due Diligence Vendor-06/25/2025 | Ready for Review-Document Uploaded. There is no Exhibit A to the DOT. If referring to the legal description, it is on page 3 of the attached DOT which was in the uploaded loan file. Please refer to pages 931-942. - Seller-06/26/2025<br>| Resolved-Received DOT w/Legal. - Due Diligence Vendor-06/30/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR=/> 1.00 and minimum is .85 or less---- Borrower's DSCR % is 1.01 and minimum is .75<br>Months Reserves exceed minimum required - Minimum reserves req'd 0-- Borrower has 93.91 mths in reserves |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX |  | 304736049 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  | XXXX |
| XXXX |  | 304736057 D A | Closed | FCRE1193 | 2025-06-26 15:05 | 2025-07-24 06:19 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-After further review, the XXXX guides do not require large deposits to be sourced. - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Please note large/inconsistent deposits do not require to be sourced per guidelines 7.1, however, large deposit from XXXX for XXXX is not a transfer from a bank account therefore should be included in total income. XXXX etc. Clients pay via XXXX app and then owner of account can cash out as pleases. Please remove finding - Seller-07/21/2025 <br> Counter-LOE provided regarding the XXXX, added these back to the income. Calculated income is XXXX and the new DTI is 53.3%. Unable to add back the large deposits on 11/2024 and 08/2024 as the deposits are not consistent or well-documented. - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. XXXX. Typical payments from clients to barbers are from XXXX etc. Please see attached documentation supporting the 'transfers' from XXXX account. Attached also please find an LOE from the borrower When clients pay via XXXX, the funds go to an XXXX account to which the owner of the account can then deposits the funds into their checking account. <br>- Seller-07/16/2025 <br> Counter-Excluded deposits: Money Transfer from XXXX-provide acceptable confirmation the Money Transfers is income. (XXXX included)-original finding remains. - Due Diligence Vendor-07/07/2025 <br> Ready for Review-We respectfully disagree. According to the XXXX Non QM Guidelines, large deposits are not required to be sourced when the totality of the income is consistent and well-documented. The loan was underwritten to XXXX Guidelines, and XXXX adheres to the same guidelines since there is no overlay specific to the XXXX program. - Seller-07/03/2025 <br> Counter-Review excluded transfers, Refunds and large deposits, as the guidelines are silent regarding large deposits for the XXXX program. - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Please note that all transfers received are legitimate business-related transactions. The borrower is a self-employed barber, and as is common in this line of work, a significant portion of income is received through digital payment platforms such as XXXX. These platforms are commonly used by clients for convenience and efficiency, especially in service-based industries. Furthermore, per our current lending guidelines, large deposits are not required to be sourced when the totality of the income is consistent and well-documented, particularly when the borrower is self-employed and the funds clearly flow from regular business activity. - Seller-07/01/2025 <br> Open-Audited DTI of 58.87% exceeds Guideline DTI of 50% Audit Income less than lenders - Due Diligence Vendor-06/26/2025 | Ready for Review-Please note large/inconsistent deposits do not require to be sourced per guidelines 7.1, however, large deposit from XXXX for XXXXis not a transfer from a bank account therefore should be included in total income. XXXX, etc. Clients pay via XXXX app and then owner of account can cash out as pleases. Please remove finding - Seller-07/21/2025 <br> Ready for Review-Document Uploaded. XXX. Typical payments from clients to barbers are from XXXX, etc. Please see attached documentation supporting the 'transfers' from XXXX account. Attached also please find an LOE from the borrower When clients pay via XXXX, the funds go to an XXXX account to which the owner of the account can then deposits the funds into their checking account. <br>- Seller-07/16/2025 <br> Ready for Review-We respectfully disagree. According to the XXXX, large deposits are not required to be sourced when the totality of the income is consistent and well-documented. The loan was underwritten to XXXX Guidelines, and XXXX adheres to the same guidelines since there is no overlay specific to the XXXX program. - Seller-07/03/2025 <br> Ready for Review-Please note that all transfers received are legitimate business-related transactions. The borrower is a self-employed barber, and as is common in this line of work, a significant portion of income is received through digital payment platforms such as XXXX. These platforms are commonly used by clients for convenience and efficiency, especially in service-based industries. Furthermore, per our current lending guidelines, large deposits are not required to be sourced when the totality of the income is consistent and well-documented, particularly when the borrower is self-employed and the funds clearly flow from regular business activity. - Seller-07/01/2025 | Resolved-After further review, the XXXX guides do not require large deposits to be sourced. - Due Diligence Vendor-07/24/2025 | Months Reserves exceed minimum required - 6 months minimum reserve requirement, borrower has 6.23 documented<br>Long term residence - Borrower at primary over 24 months |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX |  | 304736057 D A | Closed | FCRE1506 | 2025-06-26 15:51 | 2025-07-24 06:19 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-After further review, the XXXX guides do not require large deposits to be sourced. - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Please note the loan is a XXXX transaction; therefore, the XXXX overlay does not apply. - Seller-07/23/2025 <br> Counter-XXXX Overlay states - Large deposits exceeding 50% of the average monthly gross sales of the business are to be sourced or excluded from the analysis. - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Please note large/inconsistent deposits do not require to be sourced per guidelines 7.1, however, large deposit from XXXX Inc for XXXX is not a transfer from a bank account therefore should be included in total income. SXXXX, etc. Clients pay via XXXX app and then owner of account can cash out as pleases. Please remove finding - Seller-07/21/2025 <br> Counter-LOE provided regarding the XXXX, added these back to the income. Calculated income is XXXX and the new DTI is 53.3%. Unable to add back the large deposits on 11/2024 and 08/2024 as the deposits are not consistent or well-documented. - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. XXXX. Typical payments from clients to barbers are from XXXX, etc. Please see attached documentation supporting the 'transfers' from XXXX account. Attached also please find an LOE from the borrower When clients pay via XXXX account to which the owner of the account can then deposits the funds into their checking account. - Seller-07/16/2025 <br> Counter-Excluded deposits: Money Transfer from XXXX-provide acceptable confirmation the Money Transfers is income. (XXXX included)-original finding remains. - Due Diligence Vendor-07/07/2025 <br> Ready for Review-We respectfully disagree. According to the XXXX Non QM Guidelines, large deposits are not required to be sourced when the totality of the income is consistent and well-documented. The loan was underwritten to XXXX Guidelines, and XXXX adheres to the same guidelines since there is no overlay specific to the XXXX program. - Seller-07/03/2025 <br> Counter-Review excluded transfers, Refunds and large deposits, as the guidelines are silent regarding large deposits for the XXXX program. - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Please note that all transfers received are legitimate business-related transactions. The borrower is a self-employed XXXX, and as is common in this line of work, a significant portion of income is received through digital payment platforms such as XXXX. These platforms are commonly used by clients for convenience and efficiency, especially in service-based industries. Furthermore, per our current lending guidelines, large deposits are not required to be sourced when the totality of the income is consistent and well-documented, particularly when the borrower is self-employed and the funds clearly flow from regular business activity. - Seller-07/01/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. DTI exceeds allowables. - Due Diligence Vendor-06/26/2025 | Ready for Review-Please note the loan is a XXXX transaction; therefore, the XXXX overlay does not apply. - Seller-07/23/2025 <br> Ready for Review-Please note large/inconsistent deposits do not require to be sourced per guidelines 7.1, however, large deposit from XXXX Inc for XXXX is not a transfer from a bank account therefore should be included in total income. XXXX, etc. Clients pay via XXXX app and then owner of account can cash out as pleases. Please remove finding - Seller-07/21/2025 <br> Ready for Review-Document Uploaded. XXXX. Typical payments from clients to barbers are from XXXX, etc. Please see attached documentation supporting the 'transfers' from XXXX are from an XXXX account. Attached also please find an LOE from the borrower When clients pay via XXXX account to which the owner of the account can then deposits the funds into their checking account. - Seller-07/16/2025 <br> Ready for Review-We respectfully disagree. According to the XXXX Non QM Guidelines, large deposits are not required to be sourced when the totality of the income is consistent and well-documented. The loan was underwritten to XXXX Guidelines, and XXXX adheres to the same guidelines since there is no overlay specific to the XXXX program. - Seller-07/03/2025 <br> Ready for Review-Please note that all transfers received are legitimate business-related transactions. The borrower is a self-employed XXXX, and as is common in this line of work, a significant portion of income is received through digital payment platforms such as XXXX. These platforms are commonly used by clients for convenience and efficiency, especially in service-based industries. Furthermore, per our current lending guidelines, large deposits are not required to be sourced when the totality of the income is consistent and well-documented, particularly when the borrower is self-employed and the funds clearly flow from regular business activity. - Seller-07/01/2025 | Resolved-After further review, the XXXX guides do not require large deposits to be sourced. - Due Diligence Vendor-07/24/2025 | Months Reserves exceed minimum required - 6 months minimum reserve requirement, borrower has 6.23 documented<br>Long term residence - Borrower at primary over 24 months |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX |  | 304736057 D A | Closed | 123ABJ | 2025-06-26 15:06 | 2025-07-18 16:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VVOE dated within 10 days consummation | Resolved-Received VVOE - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. Attached please find a VVOE dated XXXX. The loan documents were signed XXXX which is in line with 10 business days. - Seller-07/16/2025 <br> Open-VVOE missing forXXXX - Due Diligence Vendor-06/26/2025 | Ready for Review-Document Uploaded. Attached please find a VVOE dated XXXX. The loan documents were signed XXXX which is in line with 10 business days. - Seller-07/16/2025 | Resolved-Received VVOE - Due Diligence Vendor-07/18/2025<br>| Months Reserves exceed minimum required - 6 months minimum reserve requirement, borrower has 6.23 documented<br>Long term residence - Borrower at primary over 24 months |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX |  | 304736011 D A | Closed | FCRE1157 | 2025-06-26 08:43 | 2025-06-30 16:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received Hazard Insurance Policy - Due Diligence Vendor-06/30/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-06/26/2025 <br>Open-Missing Hazard Insurance Policy Provide the Hazard Insurance Policy for the subject property. - Due Diligence Vendor-06/26/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/26/2025<br>| Resolved-Received Hazard Insurance Policy - Due Diligence Vendor-06/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO 700- Borrower's FICO 774 <br>DSCR % greater than 1.20 - The DSCR % is greater than 1.20 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX |  | 304736015 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  | XXXX |
| XXXX |  | 304736094 B A | Closed | FCRE1254 | 2025-06-26 16:07 | 2025-06-26 16:16 | Waived | 2 - Non-Material B | Credit | Title | Property Title Issue | Waived--Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/26/2025 <br>Open-Property Title Issue - Exception Approved p.874. Exception to proceed as a rate and term with 2.5 months of seasoning since previous cash out. Non-Material, Difference .5 months - Due Diligence Vendor-06/26/2025 |  | Waived--Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720- Borrowers' FICO 769<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR=/> 1.00 and min is less than .85- Borrower's DSCR1.038- min DSCR is 0. | -Qualifying FICO score is at least 20 points above minimum for program<br> -24+ month credit history exceeds minimum required |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | XXXX |
| XXXX |  | 304736102 C B A | Closed | FCRE1198 | 2025-06-27 11:35 | 2025-07-11 10:33 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator provided a waiver for requirement of 9 months reserves, applied to non material finding with comp factors - Due Diligence Vendor-07/11/2025 <br>Ready for Review-Document Uploaded. - Seller-07/11/2025 <br>Open-Audited Reserves of 0.09 month(s) are less than Guideline Required Reserves of 9 month(s) Reserves are short. - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. - Seller-07/11/2025<br>| Waived-Originator provided a waiver for requirement of 9 months reserves, applied to non material finding with comp factors - Due Diligence Vendor-07/11/2025<br>| LTV is less than guideline maximum - LTV of 65 is below the maximum of 70% allowed per guidelines<br>Qualifying FICO score is at least 20 points above minimum for program - FICO of 754 is higher than the minimum FICO required of 700 | FICO: 20 points above minimum<br> Credit History: 0x30 for 24 months verified.<br> DSCR: greater than 1.20 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | XXXX |
| XXXX |  | 304736102 C B A | Closed | FCRE1510 | 2025-06-27 09:36 | 2025-06-30 14:31 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Legal Description. - Due Diligence Vendor-06/30/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-06/27/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description attached to deed of trust. - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/27/2025<br>| Resolved-Received Legal Description. - Due Diligence Vendor-06/30/2025<br>| LTV is less than guideline maximum - LTV of 65 is below the maximum of 70% allowed per guidelines<br>Qualifying FICO score is at least 20 points above minimum for program - FICO of 754 is higher than the minimum FICO required of 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304736067 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  | XXXX |
| XXXX |  | 304735988 C B A | Closed | FCRE1317 | 2025-06-27 15:55 | 2025-08-15 13:30 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-Received sufficient documentation to support 24+ months of self-employment. - Due Diligence Vendor-08/15/2025 <br> Ready for Review-Document Uploaded. Hello. Please review all 4 attached documents. Business has been opened since 2020 according to articles of incorp. In 2021 there was a SOA filed w/ no change. In 2025 we can verify borrower is CEO. Pairing that w/ CPA letter, borrower is confirm 100% owner and since there has been no changes according to XXXX website, we can confirm borrower has been owner since 2020 - Seller-08/13/2025 <br> Counter-Received website pages-documentation is insufficient. Provide Tax Preparer Letter or Operating Agreement confirming borrowers length of ownership. - Due Diligence Vendor-07/07/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-07/03/2025 <br> Counter-Document provided does not disclose the borrower is the owner. Finding remains. - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. Please see business search from the state supporting the business has been in operation since 01/24/2020 - Seller-07/01/2025 <br> Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months 2 years employment history not documented. - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. Hello. Please review all 4 attached documents. Business has been opened since 2020 according to articles of incorp. In 2021 there was a SOA filed w/ no change. In 2025 we can verify borrower is CEO. Pairing that w/ CPA letter, borrower is confirm 100% owner and since there has been no changes according to XXXX website, we can confirm borrower has been owner since 2020 - Seller-08/13/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-07/03/2025 <br> Ready for Review-Document Uploaded. Please see business search from the state supporting the business has been in operation since 01/24/2020 - Seller-07/01/2025 | Resolved-Received sufficient documentation to support 24+ months of self-employment. - Due Diligence Vendor-08/15/2025<br>| Qualifying DTI below maximum allowed - DTI of 29.59% is less than the maximum allowed per guidelines of 50%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO of 762 is higher than the minimum FICO required of 720 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304735988 C B A | Closed | FCRE1198 | 2025-06-27 15:17 | 2025-06-27 16:05 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 6.45 month(s) are less than Guideline Required Reserves of 12 month(s) <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to strong compensating factors. - Due Diligence Vendor-06/27/2025 |  | Waived-Audited Reserves of 6.45 month(s) are less than Guideline Required Reserves of 12 month(s) <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to strong compensating factors. - Due Diligence Vendor-06/27/2025<br>| Qualifying DTI below maximum allowed - DTI of 29.59% is less than the maximum allowed per guidelines of 50%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO of 762 is higher than the minimum FICO required of 720 | DTI is over 5% below max<br> Score is 20+ points over max allowed<br> 4 years SE |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | XXXX |
| XXXX |  | 304736005 D A | Closed | FCRE1197 | 2025-06-27 15:04 | 2025-07-02 15:15 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Upon further review, XXXX requires the use of the XXXX Matrix. Audited FICO of 660 is greater than or equal to Guideline FICO of 640 - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Document Uploaded. Please note that the subject loan was underwritten using the 12 months Business Bank statement income verification and per the attached XXXX matrix, dated XXXX, the income eligibility for Personal or Business Bank statements is based off \* the XXXX Matrix (see asterisk page 5 in red). As such, the 660 FICO meets the requirements, and an exception is not required. - Seller-06/30/2025 <br> Open-Audited FICO of is less than Guideline FICO of 680. No credit reports provided. Used FICO from Tape - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. Please note that the subject loan was underwritten using the 12 months Business Bank statement income verification and per the attached XXXX matrix, dated XXXX, the income eligibility for Personal or Business Bank statements is based off \* the XXXX Matrix (see asterisk page 5 in red). As such, the 660 FICO meets the requirements, and an exception is not required. - Seller-06/30/2025 | Resolved-Upon further review, XXXX requires the use of the Full-Lite Matrix. Audited FICO of 660 is greater than or equal to Guideline FICO of 640 - Due Diligence Vendor-07/02/2025 | Months Reserves exceed minimum required - 6 months reserves required, borrower has 8.08 documented<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 13.57% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304736005 D A | Closed | FCRE5770 | 2025-06-27 14:42 | 2025-07-02 15:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Received Borrower 1 Credit Report - Due Diligence Vendor-07/02/2025 <br>Ready for Review-Document Uploaded. Please see attached Credit report showing the 660 mid FICO score - Seller-06/30/2025 <br>Open-Borrower 1 Credit Report is Missing. Additional conditions may apply - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. Please see attached Credit report showing the 660 mid FICO score - Seller-06/30/2025<br>| Resolved-Received Borrower 1 Credit Report - Due Diligence Vendor-07/02/2025<br>| Months Reserves exceed minimum required - 6 months reserves required, borrower has 8.08 documented<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 13.57% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304736005 D A | Closed | FCRE5771 | 2025-06-27 14:42 | 2025-07-02 15:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Received Borrower 2 Credit Report - Due Diligence Vendor-07/02/2025 <br>Ready for Review-Document Uploaded. Please see attached B2 credit - Seller-06/30/2025 <br>Open-Borrower 2 Credit Report is Missing. Additional conditions may apply - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. Please see attached B2 credit - Seller-06/30/2025<br>| Resolved-Received Borrower 2 Credit Report - Due Diligence Vendor-07/02/2025<br>| Months Reserves exceed minimum required - 6 months reserves required, borrower has 8.08 documented<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 13.57% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304735981 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  | XXXX |
| XXXX |  | 304732614 D B C A | Closed | FCRE1506 | 2025-06-26 16:36 | 2025-07-16 14:10 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received Initial 1003 and Final Closing Disclosure. - Due Diligence Vendor-06/30/2025 <br>Ready for Review-Document Uploaded. - Seller-06/27/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. TRID: Missing Final Closing Disclosure and Initial 1003 - Due Diligence Vendor-06/26/2025 | Ready for Review-Document Uploaded. - Seller-06/27/2025<br>| Resolved-Received Initial 1003 and Final Closing Disclosure. - Due Diligence Vendor-06/30/2025<br>| CLTV is less than guidelines maximum - Max CLTV 90% / Subject CLTV 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 620/ Borrower FICO 754 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304732614 D B C A | Closed | FCRE1491 | 2025-06-26 13:51 | 2025-06-30 11:01 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received 3rd party verification. Sole Owner. - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. HI upload BANK account ending XXXX- AUTHORIZED TO ACCESS ACCOUNT AS OWNER showing borrower is signer on XXXX bank agreement - Seller-06/27/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements XXXX is in name of XXXX - need evidence borrower is 100% owner. Additional findings may apply. - Due Diligence Vendor-06/26/2025 | Ready for Review-Document Uploaded. HI upload BANK account ending XXXX- AUTHORIZED TO ACCESS ACCOUNT AS OWNER showing borrower is signer on XXXX bank agreement - Seller-06/27/2025 | Resolved-Received 3rd party verification. Sole Owner. - Due Diligence Vendor-06/30/2025<br>| CLTV is less than guidelines maximum - Max CLTV 90% / Subject CLTV 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 620/ Borrower FICO 754 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304732614 D B C A | Closed | FCOM5135 | 2025-06-26 09:28 | 2025-06-30 08:12 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Originator waiver applied to non-material Findings.<br>- Due Diligence Vendor-06/30/2025 <br>Ready for Review-Document Uploaded. <br> - Seller-06/27/2025 <br>Open-Required Affiliated Business Disclosure Missing Unable to verify if title fees are in Section C due missing Final CD. - Due Diligence Vendor-06/26/2025 | Ready for Review-Document Uploaded. <br> - Seller-06/27/2025<br>| Waived-Originator waiver applied to non-material Findings.<br>- Due Diligence Vendor-06/30/2025<br>| CLTV is less than guidelines maximum - Max CLTV 90% / Subject CLTV 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 620/ Borrower FICO 754 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX |
| XXXX |  | 304732614 D B C A | Closed | FCOM1232 | 2025-06-26 09:14 | 2025-06-30 08:11 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Received final signed 1003. - Due Diligence Vendor-06/30/2025 <br>Ready for Review-Document Uploaded. - Seller-06/27/2025 <br>Open-The Final 1003 is Missing -----The Final 1003 is Missing. - Due Diligence Vendor-06/26/2025 | Ready for Review-Document Uploaded. - Seller-06/27/2025<br>| Resolved-Received final signed 1003. - Due Diligence Vendor-06/30/2025<br>| CLTV is less than guidelines maximum - Max CLTV 90% / Subject CLTV 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 620/ Borrower FICO 754 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304732614 D B C A | Closed | FCOM2328 | 2025-06-26 10:46 | 2025-06-30 08:07 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure Escrow Account | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-06/30/2025 <br>Ready for Review-Document Uploaded. - Seller-06/27/2025 <br>Open------Final CD, page 4 is missing reason for no escrow account established, either declined or lender does not offer one box is not checked. Provide a PCCD with correction within 60 days of consummation. - Due Diligence Vendor-06/26/2025 | Ready for Review-Document Uploaded. - Seller-06/27/2025<br>| Resolved-Upon further review, finding resolved. - Due Diligence Vendor-06/30/2025<br>| CLTV is less than guidelines maximum - Max CLTV 90% / Subject CLTV 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 620/ Borrower FICO 754 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304732614 D B C A | Closed | FCOM1544 | 2025-06-26 09:35 | 2025-06-30 08:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-06/30/2025 <br>Ready for Review-Document Uploaded. - Seller-06/27/2025 <br>Open-TRID: Missing Final Closing Disclosure Final CD missing. - Due Diligence Vendor-06/26/2025 | Ready for Review-Document Uploaded. - Seller-06/27/2025<br>| Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-06/30/2025<br>| CLTV is less than guidelines maximum - Max CLTV 90% / Subject CLTV 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 620/ Borrower FICO 754 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304732614 D B C A | Closed | FCOM1302 | 2025-06-26 09:28 | 2025-06-26 09:28 | Waived | 2 - Non-Material B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '7'). Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/26/2025 |  | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '7'). Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/26/2025<br>| CLTV is less than guidelines maximum - Max CLTV 90% / Subject CLTV 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 620/ Borrower FICO 754 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX |
| XXXX |  | 304732614 D B C A | Closed | FCOM1621 | 2025-06-26 09:28 | 2025-06-26 09:28 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Waived-Initial Escrow Account Disclosure is Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/26/2025 |  | Waived-Initial Escrow Account Disclosure is Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/26/2025<br>| CLTV is less than guidelines maximum - Max CLTV 90% / Subject CLTV 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 620/ Borrower FICO 754 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX |
| XXXX |  | 304735987 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  | XXXX |
| XXXX |  | 304736054 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  | XXXX |
| XXXX |  | 304735990 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  | XXXX |
| XXXX |  | 304732661 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  | XXXX |
| XXXX |  | 304736052 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  | XXXX |
| XXXX |  | 304735998 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  | XXXX |
| XXXX |  | 304732540 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  | XXXX |
| XXXX |  | 304736017 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  | XXXX |
| XXXX |  | 304736072 C B A | Closed | FCRE2244 | 2025-07-03 10:35 | 2025-07-03 10:38 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Property Issues are identified for the property min sf is 500 for each unit, XXXX. <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to strong compensating factors. - Due Diligence Vendor-07/03/2025 |  | Waived-Property Issues are identified for the property min sf is 500 for each unit, XXXX. <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to strong compensating factors. - Due Diligence Vendor-07/03/2025 | DSCR % greater than 1.20 - DSCR 1.734<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers mid score is 788<br>Months Reserves exceed minimum required - 3 months minimum reserves required, borrower has 106.65 documented | Score is 20 points above min<br> not using unit #3 to qualify. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | XXXX |
| XXXX |  | 304736072 C B A | Closed | FCRE0095 | 2025-07-03 08:28 | 2025-07-03 10:38 | Waived | 2 - Non-Material C B | Credit | Eligibility | Short Term Rental Income does not meet guidelines | Waived-Missing 2 months proof of rent on unit 1 and 2 since this is month to month lease. <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to strong compensating factors. - Due Diligence Vendor-07/03/2025 |  | Waived-Missing 2 months proof of rent on unit 1 and 2 since this is month to month lease. <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to strong compensating factors. - Due Diligence Vendor-07/03/2025<br>| DSCR % greater than 1.20 - DSCR 1.734<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers mid score is 788<br>Months Reserves exceed minimum required - 3 months minimum reserves required, borrower has 106.65 documented | DSCR 1.2<br> FICO 20 points higher than minimum |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | XXXX |
| XXXX |  | 304754752 B A | Closed | FPRO1249 | 2025-07-03 09:19 | 2025-07-03 10:18 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived--Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-07/03/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program - Exception Approved: Seeking exception to proceed at XXXX. Non-Material: Subject primary use residential, appraiser states not working farm. - Due Diligence Vendor-07/03/2025 |  | Waived--Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-07/03/2025<br>| LTV is less than guideline maximum - Max LTV 85%- Borrowers LTV 65% <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrowers FICO 730 | - CLTV is 5% below maximum allowed<br> - FICO score is at least 20 points above minimum for program |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | XXXX |
| XXXX |  | 304736029 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  | XXXX |
| XXXX |  | 304736062 D B A | Closed | FCRE1506 | 2025-07-03 15:09 | 2025-07-08 16:08 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received missing Income and Asset Documentation. - Due Diligence Vendor-07/08/2025 <br>Ready for Review-Documents have been uploaded in related findings. - Seller-07/07/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Income findings. - Due Diligence Vendor-07/03/2025 | Ready for Review-Documents have been uploaded in related findings. - Seller-07/07/2025<br>| Resolved-Received missing Income and Asset Documentation. - Due Diligence Vendor-07/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO is 720, borrower FICO 796.<br>Credit history exceeds minimum required - 0X30 credit history 24m. |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304736062 D B A | Closed | FCRE6019 | 2025-07-02 09:49 | 2025-07-08 16:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received Perm Resident Card. - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. Please see attached<br> - Seller-07/08/2025 <br> Open-Borrower Citizenship Documentation Is Missing Provide docs to verify proof of permanent residency. (XX DL was provided in file). - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. Please see attached<br> - Seller-07/08/2025<br>| Resolved-Received Perm Resident Card. - Due Diligence Vendor-07/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO is 720, borrower FICO 796.<br>Credit history exceeds minimum required - 0X30 credit history 24m. |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304736062 D B A | Closed | FCRE8701 | 2025-07-03 11:34 | 2025-07-08 16:04 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received Trust Document. - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-07/07/2025 <br> Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Provide docs to verify Trust (XXXX). - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-07/07/2025<br>| Resolved-Received Trust Document. - Due Diligence Vendor-07/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO is 720, borrower FICO 796.<br>Credit history exceeds minimum required - 0X30 credit history 24m. |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304736062 D B A | Closed | FCRE1468 | 2025-07-03 12:14 | 2025-07-08 16:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Asset 2 Missing | Resolved-Received Bank Statements. - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Please see attached. - Seller-07/07/2025 <br> Open-Asset 2 Missing Provide recent, complete bank statement to support XXXX Savings account used in qualifying. - Due Diligence Vendor-07/03/2025 | Ready for Review-Please see attached. - Seller-07/07/2025<br>| Resolved-Received Bank Statements. - Due Diligence Vendor-07/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO is 720, borrower FICO 796.<br>Credit history exceeds minimum required - 0X30 credit history 24m. |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304736062 D B A | Closed | FCRE1342 | 2025-07-03 11:53 | 2025-07-08 16:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Received Bank Statements. - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-07/07/2025 <br> Open-Borrower 1 Business Bank Statements Missing Provide 12m complete, business bank statements to support qualifying income of XXXX. - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-07/07/2025<br>| Resolved-Received Bank Statements. - Due Diligence Vendor-07/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO is 720, borrower FICO 796.<br>Credit history exceeds minimum required - 0X30 credit history 24m. |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304736062 D B A | Closed | FCRE1198 | 2025-07-03 12:22 | 2025-07-03 15:37 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 11.88 month(s) are less than Guideline Required Reserves of 12 month(s) <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to strong compensating factors. - Due Diligence Vendor-07/03/2025 |  | Waived-Audited Reserves of 11.88 month(s) are less than Guideline Required Reserves of 12 month(s) <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to strong compensating factors. - Due Diligence Vendor-07/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO is 720, borrower FICO 796.<br>Credit history exceeds minimum required - 0X30 credit history 24m. | 1. FICO is 20+ points higher than minimum.<br> 2. 0X30 credit history 24m.<br> 3. 15 years self-employed. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | XXXX |
| XXXX |  | 304736043 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  | XXXX |
| XXXX |  | 304736002 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  | XXXX |
| XXXX |  | 304735986 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  | XXXX |
| XXXX |  | 304736105 C A | Closed | finding-651 | 2025-07-02 15:32 | 2025-07-22 08:00 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved----Received ARM index value of 4.308%. Finding resolved. - Due Diligence Vendor- <br> Ready for Review-The ARM index value used was 4.308% - Seller-07/21/2025 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is XXXX. The disclosed finance charge of XXXX is not considered accurate because it is understated by more than $100. ...Please provide ARM index value used. - Due Diligence Vendor-07/02/2025 | Ready for Review-The ARM index value used was 4.308% - Seller-07/21/2025<br>| Resolved----Received ARM index value of 4.308%. Finding resolved. - Due Diligence Vendor-<br>| Months Reserves exceed minimum required - Lender minimum reserves 6 months PITIA, borrower reserves 82.17 months<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 700, borrower FICO 790. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304736105 C A | Closed | finding-3732 | 2025-07-02 15:32 | 2025-07-22 08:00 | Resolved | 1 - Information C A | Compliance | TRID | TRID Total of Payments Test | Resolved----Received ARM index value of 4.308%. Finding resolved. - Due Diligence Vendor- <br> Ready for Review-The ARM index value used was 4.308% - Seller-07/21/2025 <br> Open-This loan failed the TRID total of payments test. (12 CFR §1026.18(o)(1))The total of payments is XXXX. The disclosed total of payments of XXXX is not considered accurate because it is understated by more than $100 and the provided reimbursement amount of $0.00 is not sufficient to cure the inaccuracy. ...Please provide ARM index value used. - Due Diligence Vendor-07/02/2025 | Ready for Review-The ARM index value used was 4.308% - Seller-07/21/2025<br>| Resolved----Received ARM index value of 4.308%. Finding resolved. - Due Diligence Vendor-<br>| Months Reserves exceed minimum required - Lender minimum reserves 6 months PITIA, borrower reserves 82.17 months<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 700, borrower FICO 790. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304732505 C A | Closed | FCRE1254 | 2025-07-03 12:22 | 2025-07-21 11:38 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Satisfaction of Mortgage. - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. - Seller-07/18/2025 <br> Counter-Marked up commitment stating Paid at Closing, however the Final Settlement Statement does not reflect this Item as being paid. - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. please see the uploaded title supplement - Seller-07/17/2025 <br> Open-Missing proof mortgage dated XXXX was satisfied prior to subject closing (Schedule B1 #10) - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. - Seller-07/18/2025 <br>Ready for Review-Document Uploaded. please see the uploaded title supplement - Seller-07/17/2025<br>| Resolved-Received Satisfaction of Mortgage. - Due Diligence Vendor-07/21/2025<br>| LTV is less than guideline maximum - 43.1 % LTV is less than 70% guideline maximum<br>DSCR % greater than 1.20 - DSCR 1.41 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX |  | 304732623 C B A | Closed | FPRO1249 | 2025-07-03 08:30 | 2025-07-03 10:51 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Originator exception granted to allow rural property Non-material waiver applied with comp factors. Deemed non-material due to strong comp factors and subject marketing time less than 3 months. - Due Diligence Vendor-07/03/2025 <br>Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Rural properties are ineligible. - Due Diligence Vendor-07/03/2025 |  | Waived-Originator exception granted to allow rural property Non-material waiver applied with comp factors. Deemed non-material due to strong comp factors and subject marketing time less than 3 months. - Due Diligence Vendor-07/03/2025<br>| Months Reserves exceed minimum required - 6 months reserves required/ Borrower reserves >55 months <br>Verified employment history exceeds guidelines - Borrower Self employed 5 years<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660 / Borrower FICO 690<br>Qualifying DTI below maximum allowed - Max DTI 50%/ Borrower DTI 21.49% | Ratios < 43% <br> Post-closing reserves > 12 months <br> Long Term Employment <br> FICO > 10pts above requirement |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | XXXX |
| XXXX |  | 304736069 D A | Closed | FCRE1163 | 2025-07-15 16:04 | 2025-07-17 14:47 | Resolved | 1 - Information C A | Credit | Insurance | Flood Certification Date is greater than Note Date | Resolved-Received documentation supporting the completion date was **XXXX** - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Received documentation supporting the completion date was XXXX - Due Diligence Vendor-07/17/2025 <br> Open-Flood Certification Date is greater than XXXX - Please provide the Initial Flood Cert. - Due Diligence Vendor-07/15/2025 |  | Resolved-Received documentation supporting the completion date was XXXX - Due Diligence Vendor-07/17/2025 | Months Reserves exceed minimum required - Min reserves 6 mths and borrower has 18.67 mths in reserves<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR=/> 1.00 and minimum is .85 or Less. Borrower's DSCR is 1.009 and minimum is .75% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304736069 D A | Closed | FCRE1161 | 2025-07-08 10:21 | 2025-07-15 16:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Received Flood Certificate - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-07/12/2025 <br> Counter-Documentation is insufficient-finding remains - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. Please see attached. Flood Cert order was done on XXXX. It shows flood is not in a flood zone matching the appraisal report. - Seller-07/09/2025 <br> Open-Missing Flood Certificate Provide the Flood Certificate for the subject property. - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-07/12/2025 <br> Ready for Review-Document Uploaded. Please see attached. Flood Cert order was done on XXXX. It shows flood is not in a flood zone matching the appraisal report. - Seller-07/09/2025 | Resolved-Received Flood Certificate - Due Diligence Vendor-07/15/2025<br>| Months Reserves exceed minimum required - Min reserves 6 mths and borrower has 18.67 mths in reserves<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR=/> 1.00 and minimum is .85 or Less. Borrower's DSCR is 1.009 and minimum is .75% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304754761 D A | Closed | FCRE1254 | 2025-07-08 13:08 | 2025-07-22 11:49 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-XXXX is a different company than XXXX which is owned by the borrower. - Due Diligence Vendor- <br> Ready for Review-We kindly Disagree, we note that the 2 LLC's are different and that it is common for investors to establish an LLC, with a similar name to the property address, for business purposes. These LLC's are not the same and should have no impact on this loan. We ask that this condition be cleared. - Seller-07/10/2025 <br> Open-Property Title Issue Missing clarification as to why was the property transferred from XXXX, when prior ir reads XXXX and the loan is in XXXX name. - Due Diligence Vendor-07/08/2025 | Ready for Review-We kindly Disagree, we note that the 2 LLC's are different and that it is common for investors to establish an LLC, with a similar name to the property address, for business purposes. These LLC's are not the same and should have no impact on this loan. We ask that this condition be cleared. - Seller-07/10/2025<br>| Resolved-XXXX is a different company than XXXX which is owned by the borrower. - Due Diligence Vendor- | Qualifying FICO score is at least 20 points above minimum for program - Min FICO Score 720- Borrower's FICO 792<br>Months Reserves exceed minimum required - Min reserves 9 mths- Borrower has 644 mths reserves required |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX |  | 304754761 D A | Closed | FCRE7890 | 2025-07-08 14:06 | 2025-07-22 11:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Required Income Documentation for Bank Statement Program | Resolved-November 2024 statement provided. - Due Diligence Vendor- <br> Ready for Review-Document Uploaded. Please see attached. - Seller-07/21/2025 <br> Counter-Received income calculation, however we are missing the Bank Statement for 11/2024. Additional findings may apply - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. Please see attached 11/2024 statements along with corrected income calculations, 1008 and 1003. - Seller-07/15/2025 <br> Open-Provide the XXXX Statement for 11/2024. - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-07/21/2025 <br>Ready for Review-Document Uploaded. Please see attached 11/2024 statements along with corrected income calculations, 1008 and 1003. - Seller-07/15/2025<br>| Resolved-November 2024 statement provided. - Due Diligence Vendor-<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO Score 720- Borrower's FICO 792<br>Months Reserves exceed minimum required - Min reserves 9 mths- Borrower has 644 mths reserves required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX |  | 304754761 D A | Closed | FCRE1492 | 2025-07-09 09:37 | 2025-07-22 11:46 | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-After further review, Cash-in-hand limits do not apply to delayed financing. - Due Diligence Vendor- <br> Ready for Review-Please note that max Cash out requirements do not apply to delayed financing. Please clear this condition - Seller-07/21/2025 <br> Counter-Maximum cash out is $1 mil for LTV > 65%. - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. We kindly disagree; Please note that the file contains the Closing Statement evidencing the property was purchased on XXXX; therefore, Delayed Financing was used to qualify since the application was dated within 90 days of the purchase. As such, the max cash out requirement would not apply, and the borrower would be able to pay off the financing acquired and recuperate his initial investment. Please see attached showing the borrower contributed XXXX to purchase this property. - Seller-07/10/2025 <br> Open-Cash Out Does Not Meet Guideline Requirements Borrower received XXXX cash-back at closing, which included two installment debts and the maximum cash-out amount allowed is XXXX. - Due Diligence Vendor-07/09/2025 | Ready for Review-Please note that max Cash out requirements do not apply to delayed financing. Please clear this condition - Seller-07/21/2025 <br> Ready for Review-Document Uploaded. We kindly disagree; Please note that the file contains the Closing Statement evidencing the property was purchased on XXXX; therefore, Delayed Financing was used to qualify since the application was dated within 90 days of the purchase. As such, the max cash out requirement would not apply, and the borrower would be able to pay off the financing acquired and recuperate his initial investment. Please see attached showing the borrower contributed XXXX to purchase this property. - Seller-07/10/2025 | Resolved-After further review, Cash-in-hand limits do not apply to delayed financing. - Due Diligence Vendor-<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO Score 720- Borrower's FICO 792<br>Months Reserves exceed minimum required - Min reserves 9 mths- Borrower has 644 mths reserves required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX |  | 304754761 D A | Closed | FCRE1728 | 2025-07-08 16:48 | 2025-07-22 11:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-Upon further review, rental income for the subject was not used - Due Diligence Vendor- <br>Ready for Review-Please note that this is a NonQM Bank Statement Loan and rental income was not used to qualify. Since rental Income was not used, a 1007 would not be required. - Seller-07/10/2025 <br>Open-Missing rent comparable schedule form 1007. Market rents must be documented - Due Diligence Vendor-07/08/2025 | Ready for Review-Please note that this is a NonQM Bank Statement Loan and rental income was not used to qualify. Since rental Income was not used, a 1007 would not be required. - Seller-07/10/2025<br>| Resolved-Upon further review, rental income for the subject was not used - Due Diligence Vendor-<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO Score 720- Borrower's FICO 792<br>Months Reserves exceed minimum required - Min reserves 9 mths- Borrower has 644 mths reserves required |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX |  | 304754761 D A | Closed | FCRE1252 | 2025-07-08 16:32 | 2025-07-11 17:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received complete preliminary title. - Due Diligence Vendor-07/11/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-07/10/2025 <br>Open-Title Document is Incomplete Parts of title commitment are encrypted and not legible. Additional conditions may apply - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-07/10/2025<br>| Resolved-Received complete preliminary title. - Due Diligence Vendor-07/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO Score 720- Borrower's FICO 792<br>Months Reserves exceed minimum required - Min reserves 9 mths- Borrower has 644 mths reserves required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX |  | 304754761 D A | Closed | FCRE8201 | 2025-07-09 09:37 | 2025-07-11 16:34 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Received documentation to support business purpose. - Due Diligence Vendor-07/11/2025 <br>Ready for Review-Document Uploaded. Please see copy of loan agreements for the 2 loans that were obtained for the purchase of the subject property - Seller-07/10/2025 <br>Open-Missing documentation to verify the two installment loans being paid off at closing were used for business purposes. Additional findings may apply. - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. Please see copy of loan agreements for the 2 loans that were obtained for the purchase of the subject property - Seller-07/10/2025<br>| Resolved-Received documentation to support business purpose. - Due Diligence Vendor-07/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO Score 720- Borrower's FICO 792<br>Months Reserves exceed minimum required - Min reserves 9 mths- Borrower has 644 mths reserves required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX |  | 304754761 D A | Closed | FCRE8224 | 2025-07-08 16:58 | 2025-07-11 16:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Operating Agreement | Resolved-Received Operating Agreements - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-07/09/2025 <br> Open-Operating Agreement for XXXX is encrypted and not legible - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-07/09/2025<br>| Resolved-Received Operating Agreements - Due Diligence Vendor-07/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO Score 720- Borrower's FICO 792<br>Months Reserves exceed minimum required - Min reserves 9 mths- Borrower has 644 mths reserves required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX |  | 304736063 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  | XXXX |
| XXXX |  | 304754750 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  | XXXX |
| XXXX |  | 304735977 D A | Closed | FCRE5116 | 2025-07-10 07:21 | 2025-07-25 18:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Borrower meets the no housing history guidelines section 4.7 - Due Diligence Vendor-07/25/2025 <br> Ready for Review-A Rent-Free Letter isn't applicable since we're refinancing the same property. Subject is for primary home being refinanced. Thank you - Seller-07/23/2025 <br> Counter-Guidelines state - Must provide a rent-free letter. The signor must be the owner of the property or lessee of the property. - Due Diligence Vendor-07/18/2025 <br> Ready for Review-These items have been addressed, please see supporting documentation and please clear. Rent free letter is not required from spouse, borrower is on title. Please see supervisor - Seller-07/17/2025 <br> Counter-Please provide the rent free letter from the spouse along with Good Standing on Mortgage-payoff. - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Thank you for confirming receipt of items provided to satisfy the concern. Also see compensating factor comments already addressed the Mtg history "ON TIME MORTGAGE HISTORY EXCEEDS GUIDELINE REQUIREMENT" Please clear - Seller-07/15/2025 <br> Counter-Received mtg statement and property profile-borrower was living rent free-letter from spouse required along with Good Standing on Mortgage-payoff or Good Standing. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. - Seller-07/10/2025 <br> Ready for Review-Document Uploaded. Please see attached supporting docs - XXXX statement acct XXXX shows escrowed, No lates & No Past due amounts, and \*\*\* is not in Borrower's name\*\*\*. Also, please see attached subject property profile reflects borrower has been on title. - Seller-07/10/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing mortgage history for subject property. - Due Diligence Vendor-07/10/2025 | Ready for Review-A Rent-Free Letter isn't applicable since we're refinancing the same property. Subject is for primary home being refinanced. Thank you - Seller-07/23/2025 <br> Ready for Review-These items have been addressed, please see supporting documentation and please clear. Rent free letter is not required from spouse, borrower is on title. Please see supervisor - Seller-07/17/2025 <br> Ready for Review-Thank you for confirming receipt of items provided to satisfy the concern. Also see compensating factor comments already addressed the Mtg history "ON TIME MORTGAGE HISTORY EXCEEDS GUIDELINE REQUIREMENT" Please clear - Seller-07/15/2025 <br> Ready for Review-Document Uploaded. - Seller-07/10/2025 <br> Ready for Review-Document Uploaded. Please see attached supporting docs - XXXX shows escrowed, No lates & No Past due amounts, and \*\*\* is not in Borrower's name\*\*\*. Also, please see attached subject property profile reflects borrower has been on title. - Seller-07/10/2025 | Resolved-Borrower meets the no housing history guidelines section 4.7 - Due Diligence Vendor-07/25/2025<br>| Months Reserves exceed minimum required - Verified assets of 47.67 months exceeds the minimum required of 9 months<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 32 months |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX |  | 304732556 C A | Closed | FCRE1491 | 2025-07-08 10:21 | 2025-07-09 11:09 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Upon further review, the loan file contained all required asset documentation. - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. There is no XXXX - There is acct XXXX<br> See uploaded XXXX statement from XXXX . This was included in the complete package page 25-33 - Seller-07/08/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements XXXX: 1. Gap in statements from XXXX added to balance as of XXXX, it appears there are missing transactions. - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. There is no XXXX - There is acct XXXX<br> See uploaded CXXXX statement from XXXX . This was included in the complete package page 25-33 - Seller-07/08/2025 | Resolved-Upon further review, the loan file contained all required asset documentation. - Due Diligence Vendor-07/09/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 26.81 is less than the guideline max of 45.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 733 is more than 20 points higher than the guideline min of 680. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304754751 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  | XXXX |
| XXXX |  | 304736033 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  | XXXX |
| XXXX |  | 304732456 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  | XXXX |
| XXXX |  | 304754739 D B A | Closed | FCRE8712 | 2025-07-11 13:05 | 2025-08-13 14:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Rent | Resolved-Received rent free letter. - Due Diligence Vendor-08/13/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/12/2025 <br>Open-Provide Rent Free Letter. - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/12/2025<br>| Resolved-Received rent free letter. - Due Diligence Vendor-08/13/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 19.78%<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 660, borrower FICO 737. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304754739 D B A | Closed | FCRE1505 | 2025-07-11 12:39 | 2025-07-11 16:07 | Waived | 2 - Non-Material C B | Credit | Eligibility | Tradelines do not meet Guideline Requirements | Waived-The Tradelines for the borrower(s) do not meet the guideline requirements. Minimum tradeline requirement for primary wage earner and allow 1 score with tradelines we do have on file. Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to strong compensating factors. - Due Diligence Vendor-07/11/2025 |  | Waived-The Tradelines for the borrower(s) do not meet the guideline requirements. Minimum tradeline requirement for primary wage earner and allow 1 score with tradelines we do have on file. Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to strong compensating factors. - Due Diligence Vendor-07/11/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 19.78%<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 660, borrower FICO 737. | 1. FICO is 20 point above minimum.<br> 2. LTV is 5% less than maximum.<br> 3. Qualifying DTI is 5% below maximum.<br> 4. 10 yrs on Job. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | XXXX |
| XXXX |  | 304732431 B A | Closed | FCOM1124 | 2025-07-09 07:53 | 2025-07-09 08:27 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived------Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/09/2025 <br> Open-Borrower 1 Final Signature Date is greater than the transaction date of XXXX - Due Diligence Vendor-07/09/2025 |  | Waived------Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/09/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 39.58 is less than the guideline max of 50.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 789 is more than 20 points higher than the guideline min of 660. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | XXXX |
| XXXX |  | 304732431 B A | Closed | FCOM1125 | 2025-07-09 07:53 | 2025-07-09 08:27 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 2 Final Signature Date is in the future | Waived------Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/09/2025 <br> Open-Borrower 2 Final Signature Date is greater than the transaction date of XXXX - Due Diligence Vendor-07/09/2025 |  | Waived------Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/09/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 39.58 is less than the guideline max of 50.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 789 is more than 20 points higher than the guideline min of 660. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | XXXX |
| XXXX |  | 304736059 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  | XXXX |
| XXXX |  | 304736016 C A | Closed | FCRE1440 | 2025-07-15 10:03 | 2025-07-18 16:20 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received documentation supporting the ex-spouse was awarded the house. Borrower was not responsible as of the date of the late payment. - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. Disagree, DSCR allows 1x30x12 without any adjustments, and the Late for XXXX is nonvalid hit due to UXXXXpaid off entirely with post marked payment as of XXXX disbursement date. Please see the following supporting docs, Also uploaded anew: <br> Page 88 of initial uploaded packet, dated XXXX Refinance Settlement statement shows disbursement date as same, Shows pay off of XXXX<br> Page 103 of initial uploaded packet, XXXX mortgage statement reflects XXXX<br> Also, XXXX Divorce decree court order, agreement to sell ownership to spouse <br> - Seller-07/16/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing exception for the 2 mortgages on credit that each were 1X30 days late in the last 12 months. - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. Disagree, DSCR allows 1x30x12 without any adjustments, and the Late for XXXX mortgage paid off entirely with post marked payment as of XXXX disbursement date. Please see the following supporting docs, Also uploaded anew: <br> Page 88 of initial uploaded packet, dated XXXX Refinance Settlement statement shows disbursement date as same, Shows pay off of XXXX2<br> Page 103 of initial uploaded packet,XXXX mortgage statement reflects XXXX<br> Also, XXXX Divorce decree court order, agreement to sell ownership to spouse <br> - Seller-07/16/2025 | Resolved-Received documentation supporting the ex-spouse was awarded the house. Borrower was not responsible as of the date of the late payment. - Due Diligence Vendor-07/18/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 2 mths- Borrower has 22.64 mths in reserves <br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less-- Borrower's DSCR 1.16% and min is less than .85. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX |  | 304754773 C B A | Closed | FCRE1199 | 2025-07-16 08:34 | 2025-07-16 09:36 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Originator exception granted to allow Loan amount of XXXX at 80% LTV , Non-material waiver applied with comp factors. non-material due to Borrower has excellent credit. - Due Diligence Vendor-07/16/2025 <br> Open-Audited Loan Amount is greater than the Guideline Maximum Loan Amount of $1500000 Exception in file to allow XXXX at 80 LTV. - Due Diligence Vendor-07/16/2025 |  | Waived-Originator exception granted to allow Loan amount of XXXX at 80% LTV , Non-material waiver applied with comp factors. non-material due to Borrower has excellent credit. - Due Diligence Vendor-07/16/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO of 791 is higher than the minimum FICO required of 660<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Calculated DSCR of 1.016 | fico is over 20 points higher than min required, 24+ months of clean<br> credit, 4+ years in primary residence |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | XXXX |
| XXXX |  | 304758121 C A | Closed | FPRO0011 | 2025-07-17 12:31 | 2025-07-22 12:07 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-PDI provided confirming no damage. - Due Diligence Vendor- <br> Ready for Review-Document Uploaded. Please see attached - Seller-07/21/2025 <br> Open-Finding Added: XXXX Provide PDI, Appraiser to provide statement indicating if property is free from damage, is in same condition as previous inspection, and marketability and value remain the same. Inspection Report must include new photos of property and street view. Any damage must be repaired and re-inspected prior to funding.<br>- Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-07/21/2025<br>| Resolved-PDI provided confirming no damage. - Due Diligence Vendor-<br>| LTV is less than guideline maximum - Lender max LTV 85%, subject LTV 80%.<br>Months Reserves exceed minimum required - Lender minimum reserves 9m PITIA, borrower reserves 11.4m. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304754749 C B A | Closed | FCRE0969 | 2025-07-18 10:48 | 2025-07-23 12:41 | Waived | 2 - Non-Material C B | Credit | Closing | Prepayment Penalty Issue | Waived-Loan was locked and registered with a Prepayment Penalty and held in an entity. Waiver applied to non-material finding with comp factors - Due Diligence Vendor-07/23/2025 <br> Open-A PPP cannot be applied to an individual or LLC in XX, only on a C-Corp or S-Corp. Issue finding for Prepayment Penalty Issue if needed. Subject loan vesting in the name of LLC and PPP is not allowed per XX state law. Per XXXX law, a PPP can only be applied to loans closing in a C-Corp or S-Corp specifically. - Due Diligence Vendor-07/18/2025 |  | Waived-Loan was locked and registered with a Prepayment Penalty and held in an entity. Waiver applied to non-material finding with comp factors - Due Diligence Vendor-07/23/2025<br>| DSCR % greater than 1.20 - Lender minimum DSCR .75, borrower DSCR 1.502<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 680, borrower FICO 779 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | No | XXXX |
| XXXX |  | 304732558 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  | XXXX |
| XXXX |  | 304754681 C B A | Closed | FCRE0104 | 2025-07-18 07:37 | 2025-07-25 12:22 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Loan was locked and registered with a Prepayment Penalty and held in an entity. Waiver applied to non-material finding with comp factors - Due Diligence Vendor-07/25/2025 <br> Open-Loan vested in LLC. A prepayment penalty cannot be applied to an individual or LLC in XX, only on a C-Corp or S-Corp - Due Diligence Vendor-07/18/2025 |  | Waived-Loan was locked and registered with a Prepayment Penalty and held in an entity. Waiver applied to non-material finding with comp factors - Due Diligence Vendor-07/25/2025<br>| On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 50 months<br>Months Reserves exceed minimum required - Verified assets of 2372.24 months exceeds the minimum required of 0 months |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | XXXX |
| XXXX |  | 304754678 C B A | Closed | FCRE0104 | 2025-07-18 07:39 | 2025-07-25 12:20 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Loan was locked and registered with a Prepayment Penalty and held in an entity. Waiver applied to non-material finding with comp factors - Due Diligence Vendor-07/25/2025 <br> Open-A prepayment cannot be applied to an individual or LLC in XX, only on a C-Corp or S-Corp - Due Diligence Vendor-07/18/2025 |  | Waived-Loan was locked and registered with a Prepayment Penalty and held in an entity. Waiver applied to non-material finding with comp factors - Due Diligence Vendor-07/25/2025<br>| Months Reserves exceed minimum required - Verified assets of 2664.09 months exceeds the minimum required of 0 months<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 50 months |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | XXXX |
| XXXX |  | 304754676 C B A | Closed | FCRE0104 | 2025-07-22 09:22 | 2025-07-25 12:16 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Loan was locked and registered with a Prepayment Penalty and held in an entity. Waiver applied to non-material finding with comp factors - Due Diligence Vendor-07/25/2025 <br> Open-A PPP cannot be applied to an individual or LLC in XX, only on a C-Corp or S-Corp. - Due Diligence Vendor- |  | Waived-Loan was locked and registered with a Prepayment Penalty and held in an entity. Waiver applied to non-material finding with comp factors - Due Diligence Vendor-07/25/2025<br>| On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 50 months<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Calculated DSCR of 1.161 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | XXXX |
| XXXX |  | 304732469 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  | XXXX |
| XXXX |  | 304732445 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  | XXXX |
| XXXX |  | 304732416 C A | Closed | FPRO0021 | 2025-07-16 12:35 | 2025-07-23 10:58 | Resolved | 1 - Information C A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of . No damage. - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. Please see uploaded PDI Report. - Seller- <br> Counter-XXXX noted as Individual FEMA Disaster-original finding remains. - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Property located in XXXX is the only one on the FEMA Report. Please review and advise. - Seller-07/17/2025 <br> Open-FEMA disaster after appraisal without a Individual PDI or 1004D. XXXX - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. Please see uploaded PDI Report. - Seller- <br> Ready for Review-Property located in XXXX is the only one on the FEMA Report. Please review and advise. - Seller-07/17/2025 | Resolved-Received PDI with an XXXX. No damage. - Due Diligence Vendor-07/23/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 36.69 is less than the guideline max of 50.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 774 is more than 20 points higher than the guideline min of 660. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304732416 C A | Closed | FCRE7009 | 2025-07-16 12:16 | 2025-07-21 11:40 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received RCE confirming sufficient coverage. - Due Diligence Vendor-07/21/2025 <br>Ready for Review-Document Uploaded. Please see uploaded cost estimator. - Seller-07/17/2025 <br>Open-Insufficient Coverage Amount for Insured Subject Property. - Insufficient Coverage Amount for Insured Subject Property. - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. Please see uploaded cost estimator. - Seller-07/17/2025<br>| Resolved-Received RCE confirming sufficient coverage. - Due Diligence Vendor-07/21/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 36.69 is less than the guideline max of 50.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 774 is more than 20 points higher than the guideline min of 660. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304758165 C A | Closed | FCRE8611 | 2025-07-21 08:52 | 2025-07-24 15:34 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Upon further review CPA letter is dated 05/26/2025 and the license is valid until 12/31/2026. - Due Diligence Vendor-07/24/2025 <br> Ready for Review-We respectfully contend that the matter is immaterial as the income used for qualification was based on 24 months bank statements. The CPA letter only addressed the borrower's shareholder percentage. - Seller- <br> Open-CPA letter expired 7/26, note date if XXXX - Due Diligence Vendor-07/21/2025 | Ready for Review-We respectfully contend that the matter is immaterial as the income used for qualification was based on 24 months bank statements. The CPA letter only addressed the borrower's shareholder percentage. - Seller-<br>| Resolved-Upon further review CPA letter is dated 05/26/2025 and the license is valid until 12/31/2026. - Due Diligence Vendor-07/24/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 4.8%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score is 790 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX |  | 304758165 C A | Closed | FCRE1194 | 2025-07-21 08:48 | 2025-07-24 15:31 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Upon further review, bank statement program uses the XXXX Matrix. - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. Please note that the subject loan was underwritten using the 24 mo. Business Bank statement income verification and per the attached XXXX matrix, dated 4/21/25, the income eligibility for Personal or Business Bank statements is based off the XXXX Matrix As such, the LTV meets the requirements. - Seller- <br> Open-Audited LTV of 80% exceeds Guideline LTV of 70% Per Matrix, max LTV is 70% for Cashout - Due Diligence Vendor-07/21/2025 | Ready for Review-Document Uploaded. Please note that the subject loan was underwritten using the 24 mo. Business Bank statement income verification and per the attached XXXX matrix, dated 4/21/25, the income eligibility for Personal or Business Bank statements is based off the XXXX Matrix As such, the LTV meets the requirements. - Seller- | Resolved-Upon further review, bank statement program uses the XXXX Matrix. - Due Diligence Vendor-07/24/2025 | Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 4.8%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score is 790 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX |  | 304754744 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  | XXXX |
| XXXX |  | 304754675 C B A | Closed | FCRE0104 | 2025-07-21 06:52 | 2025-07-25 11:00 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Loan was locked and registered with a Prepayment Penalty and held in an entity. Waiver applied to non-material finding with comp factors - Due Diligence Vendor-07/25/2025 <br> Open-A prepayment cannot be applied to an individual or LLC in XX, only on a C-Corp or S-Corp - Due Diligence Vendor-07/21/2025 |  | Waived-Loan was locked and registered with a Prepayment Penalty and held in an entity. Waiver applied to non-material finding with comp factors - Due Diligence Vendor-07/25/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Credit report reflects on time mortgage history for last 50 months<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 50 months |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | XXXX |
| XXXX |  | 304754677 C B A | Closed | FCRE0104 | 2025-07-21 07:36 | 2025-07-25 10:58 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Loan was locked and registered with a Prepayment Penalty and held in an entity. Waiver applied to non-material finding with comp factors - Due Diligence Vendor-07/25/2025 <br> Open-A prepayment cannot be applied to an individual or LLC in XX, only on a C-Corp or S-Corp - Due Diligence Vendor-07/21/2025 |  | Waived-Loan was locked and registered with a Prepayment Penalty and held in an entity. Waiver applied to non-material finding with comp factors - Due Diligence Vendor-07/25/2025<br>| On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 50 months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO of 763 is higher than the minimum FICO required of 720 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | XXXX |
| XXXX |  | 304754679 C B A | Closed | FCRE0104 | 2025-07-21 08:33 | 2025-09-23 15:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Originator waiver applied to non material finding with comp factors - Due Diligence Vendor-09/23/2025 <br> Open-A prepayment cannot be applied to an individual or LLC in XX, only on a C-Corp or S-Corp - Due Diligence Vendor-07/21/2025 |  | Waived-Originator waiver applied to non material finding with comp factors - Due Diligence Vendor-09/23/2025<br>| On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 50 months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO of 763 is higher than the minimum FICO required of 720 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | XXXX |
| XXXX |  | 304758153 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  | XXXX |
| XXXX |  | 304758087 C A | Closed | FCRE1194 | 2025-07-22 09:27 | 2025-07-24 15:40 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Upon further review the Bank statement program uses the XXXX Matrix. Audited LTV of 90% is less than or equal to Guideline LTV of 90% - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. Please note that the subject loan was underwritten using the 12 mo. Business Bank statement income verification and per the attached XXXX matrix, dated 4/21/25, the eligibility for Personal or Business Bank statements is based off the XXXX Matrix. As such, The 90% LTV meets guidelines. - Seller- <br> Open-Audited LTV of 90% exceeds Guideline LTV of 80% Max LTV for the XXXX program is 80% - Due Diligence Vendor- | Ready for Review-Document Uploaded. Please note that the subject loan was underwritten using the 12 mo. Business Bank statement income verification and per the attached **XXXX** matrix, dated 4/21/25, the eligibility for Personal or Business Bank statements is based off the XXXX Matrix. As such, The 90% LTV meets guidelines. - Seller- | Resolved-Upon further review the Bank statement program uses the XXXX Matrix. Audited LTV of 90% is less than or equal to Guideline LTV of 90% - Due Diligence Vendor-07/24/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO of 755 is higher than the minimum FICO required of 680<br>Qualifying DTI below maximum allowed - DTI of 25.14% is less than the maximum allowed per guidelines of 50% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX |  | 304758142 C A | Closed | FCRE1510 | 2025-07-17 11:21 | 2025-07-24 15:37 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-07/24/2025 <br>Ready for Review-Please clarify finding "missing date signature was notarized" - Seller- <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. missing date signature was notarized - Due Diligence Vendor-07/17/2025 | Ready for Review-Please clarify finding "missing date signature was notarized" - Seller-<br>| Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-07/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 640, borrowers mid score is 713<br>DSCR % greater than 1.20 - DSCR 1.30 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX |  | 304754723 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  | XXXX |
| XXXX |  | 304735984 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  | XXXX |
| XXXX |  | 304732478 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  | XXXX |
| XXXX |  | 304754734 B A | Closed | FCRE7569 | 2025-07-23 06:11 | 2025-07-23 07:55 | Waived | 2 - Non-Material B | Credit | Debt | Mortgage history for primary residence less than 12 months | Waived-Originator exception granted to allow for - First time investor who does not own their primary residence [ Current Guideline Description: First Time Investor - Borrower must currently own a primary residence for at least one (1) year ] . <br> Non-material waiver applied to finding with compensating factors.<br> Borrower has more than sufficient reserves. - Due Diligence Vendor-07/23/2025 <br>Open-Exception in file for First time investor who does not own their primary residence, - Due Diligence Vendor-07/23/2025 |  | Waived-Originator exception granted to allow for - First time investor who does not own their primary residence [ Current Guideline Description: First Time Investor - Borrower must currently own a primary residence for at least one (1) year ] . <br> Non-material waiver applied to finding with compensating factors.<br> Borrower has more than sufficient reserves. - Due Diligence Vendor-07/23/2025<br>| Months Reserves exceed minimum required - Verified assets of 94.91 months exceeds the minimum required of 3 months<br>DSCR % greater than 1.20 - Calculated DSCR of 1.407 | -3months reserves above minimum<br> - DSCR above 1.2<br> -0x30 credit history |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | XXXX |
| XXXX |  | 304732402 D A | Closed | FCRE7497 | 2025-07-22 11:01 | 2025-08-01 13:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-CD provided for property 3B, which closed 7/10/25. There was no prior lien per the transaction history report and no payment history since it closed 5 days prior to the subject. - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. - Seller-08/01/2025 <br> Counter-Received Note on property borrower is not obligated on. Missing PITIA and applicable pay history for 3b XXXX. Finding remains. - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. - Seller-07/25/2025 <br> Open-Missing proof of PITIA and any applicable pay history for property 3B of the 1003. - Due Diligence Vendor- | Ready for Review-Document Uploaded. - Seller-08/01/2025 <br>Ready for Review-Document Uploaded. - Seller-07/25/2025<br>| Resolved-CD provided for property 3B, which closed XXXX. There was no prior lien per the transaction history report and no payment history since it closed 5 days prior to the subject. - Due Diligence Vendor-08/01/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 39.43 is less than the guideline max of 50.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 820 is more than 20 points higher than the guideline min of 660. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX |  | 304758141 C B A | Closed | FCRE8201 | 2025-07-24 10:56 | 2025-07-24 13:43 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted to allow use of Guidelines 3.0 pertaining to 10% expense factor on personal bank statements. Non-material waiver applied to finding with compensating factors.<br> It should be noted that the current/applicable guides state that for personal bank statements 100% of deposits can be utilized. The "50% expense factor" that was noted in the exception request appears to be restricted to business bank statements, not personal bank statements. - Due Diligence Vendor-07/24/2025 <br>Open-Lender Exception: Approved to use Guideline 3.0, with 10% Expense Factor on bank statements and sourcing income, versus guideline expense factor of 50%.<br> - Due Diligence Vendor-07/24/2025 |  | Waived-Originator exception granted to allow use of Guidelines 3.0 pertaining to 10% expense factor on personal bank statements. Non-material waiver applied to finding with compensating factors.<br> It should be noted that the current/applicable guides state that for personal bank statements 100% of deposits can be utilized. The "50% expense factor" that was noted in the exception request appears to be restricted to business bank statements, not personal bank statements. - Due Diligence Vendor-07/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 700, borrower FICO 779.<br>Credit history exceeds minimum required - 24+m credit history exceeds minimum. | 1. FICO is at least 20 pts above minimum<br> 2. 24+ month credit history exceeds minimum.<br> 3. 9 Yrs self-employed. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | XXXX |
| XXXX | XXXX | 304778048 C B A | Closed | FCRE1440 | 2025-07-25 08:19 | 2025-07-25 13:35 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Originator exception granted to allow VOR without supporting payments. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-07/25/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Private VOR requires recent 6 months most recent cancelled rent checks. Missing copies of rent checks. Exception in file to waive the rent checks requirement, noting the borrower is an experienced investor on a DSCR loan. - Due Diligence Vendor-07/25/2025 |  | Waived-Originator exception granted to allow VOR without supporting payments. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-07/25/2025<br>| DSCR % greater than 1.20 - DSCR % is 1.509<br>LTV is less than guideline maximum - LTV is 70% and max allowed is 75% | FICO score 20 points or more above requirement.<br> Reserves 12+ months more than requirement.<br> DSCR 1.25 or greater. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | XXXX |
| XXXX | XXXX | 304778038 C B A | Closed | FCRE8702 | 2025-07-25 11:33 | 2025-07-25 11:43 | Waived | 2 - Non-Material C B | Credit | Borrower | Business Entity Formation Document is Incomplete | Waived-Originator exception granted to allow accountant complete attorney opinion letter for LLC, Non-material waiver applied with comp factors. non-material due to borrower reserves, high DSCR and overall credit. - Due Diligence Vendor-07/25/2025 <br>Open-The Business Entity Formation Document is incomplete Lender exception provided to allow accountant complete attorney opinion letter for LLC. Per guides attorney opinion letter, attesting that the LLC meets requirements is required. - Due Diligence Vendor-07/25/2025 |  | Waived-Originator exception granted to allow accountant complete attorney opinion letter for LLC, Non-material waiver applied with comp factors. non-material due to borrower reserves, high DSCR and overall credit. - Due Diligence Vendor-07/25/2025<br>| DSCR % greater than 1.20 - DSCR = 1.217<br>Months Reserves exceed minimum required - Guidelines require 3 months of reserves. Qualifying reserves are 26 months. | DSCR 1.33<br> FICO 20 points above minimum  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | XXXX |
| XXXX | XXXX | 304778052 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  | XXXX |
| XXXX |  | 304732420 D A | Closed | FCRE7497 | 2025-07-25 12:46 | 2025-08-20 10:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received confirmation of HOA on primary residence and 3d,3e - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. XXXX has no HOA and was sold. - Seller-08/19/2025 <br> Open-No documentation provided to evidence properties 3d, 3e, or 3g have no HOA dues. - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. XXXX has no HOA and was sold. - Seller-08/19/2025 | Resolved-Received confirmation of HOA on primary residence and 3d,3e - Due Diligence Vendor-08/20/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 32.14 is less than the guideline max of 50.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 686 is more than 20 points higher than the guideline min of 660. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX |  | 304732420 D A | Closed | FCRE0200 | 2025-07-25 13:32 | 2025-08-19 11:00 | Resolved | 1 - Information C A | Credit | Debt | Missing proof of liability not disclosed on credit report | Resolved-Received revised 1003/1008 and 1st payment letter for the primary residence. Final 1003 had a typo for the address of the primary residence. - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. Please see updated 1008 & 1003. The primary residence address is XXXX3. - Seller-08/15/2025 <br> Open-No documentation provided for property 3g to support excluding the debt or to evidence free and clear and no liability to the borrower. - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. Please see updated 1008 & 1003. The primary residence address is XXXX. - Seller-08/15/2025 | Resolved-Received revised 1003/1008 and 1st payment letter for the primary residence. Final 1003 had a typo for the address of the primary residence. - Due Diligence Vendor-08/19/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 32.14 is less than the guideline max of 50.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 686 is more than 20 points higher than the guideline min of 660. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX |  | 304732420 D A | Closed | FCRE0044 | 2025-07-25 13:00 | 2025-08-15 09:50 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry letter. - Due Diligence Vendor-08/15/2025 <br>Ready for Review-Document Uploaded. Please see uploaded LOE - Seller-08/14/2025 <br>Open-LOX for credit inquiries is missing. - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. Please see uploaded LOE - Seller-08/14/2025<br>| Resolved-Received credit inquiry letter. - Due Diligence Vendor-08/15/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 32.14 is less than the guideline max of 50.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 686 is more than 20 points higher than the guideline min of 660. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | XXXX | 304778047 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  | XXXX |
| XXXX | XXXX | 304778055 C B A | Closed | FCRE8705 | 2025-08-07 11:02 | 2025-08-07 12:17 | Waived | 2 - Non-Material C B | Credit | Eligibility | Excessive Seller Contributions | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-08/07/2025 <br>Open-Exception Approval in file – Pg 14 – Credit Index – 2<br>3. 6% Seller Concessions – Exceeds 3% on NOO Property<br> - Due Diligence Vendor-08/07/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-08/07/2025<br>| DSCR % greater than 1.20 - DSCR = 1.204<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 766 Min FICO = 700 | 1. FICO 20 points or more above requirement<br> 2. Reserves 12+ months more than requirement |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | XXXX |
| XXXX | XXXX | 304778055 C B A | Closed | FCRE8201 | 2025-08-07 11:02 | 2025-08-07 12:17 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-08/07/2025 <br>Open-Exception Approval in file – Pg 14 – Credit Index – 2<br>1. Documentation – POA and LLC Vesting – Purchase File<br> - Due Diligence Vendor-08/07/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-08/07/2025<br>| DSCR % greater than 1.20 - DSCR = 1.204<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 766 Min FICO = 700 | 1. FICO 20 points or more above requirement<br> 2. Reserves 12+ months more than requirement |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | XXXX |
| XXXX | XXXX | 304778055 C B A | Closed | FCRE1200 | 2025-08-07 10:59 | 2025-08-07 12:17 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-08/07/2025 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of $300000 Exception Approval in file – Pg 14 – Credit Index – 2<br>1. Loan Amount - XXXX Less than $300,000 - Due Diligence Vendor-08/07/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-08/07/2025<br>| DSCR % greater than 1.20 - DSCR = 1.204<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 766 Min FICO = 700 | 1. FICO 20 points or more above requirement<br> 2. Reserves 12+ months more than requirement |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | XXXX |
| XXXX | XXXX | 304778033 D B A | Closed | FCRE1198 | 2025-08-08 12:24 | 2025-08-12 15:53 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received validation of complete EMD-assets and reserves are sufficient. - Due Diligence Vendor-08/12/2025 <br> Ready for Review-Document Uploaded. XXXX . The 30 Day XXXX account balance was lower on the date of the GAP credit. - Seller-08/11/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s). Missing sufficient assets to support total reserves required. - Due Diligence Vendor-08/08/2025 | Ready for Review-Document Uploaded. XXXX. The 30 Day XXXX account balance was lower on the date of the GAP credit. - Seller-08/11/2025 | Resolved-Received validation of complete EMD-assets and reserves are sufficient. - Due Diligence Vendor-08/12/2025<br>| Qualifying DTI below maximum allowed - DTI is 2.1% and max allowed is 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 746 and minimum allowed is 680. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXXX |
| XXXX | XXXX | 304778033 D B A | Closed | FCRE9501 | 2025-08-08 12:10 | 2025-08-12 15:53 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received validation of complete EMD-assets and reserves are sufficient. - Due Diligence Vendor-08/12/2025 <br> Ready for Review-Document Uploaded. EMD - Seller-08/11/2025 <br> Open-Total Qualified Assets Post-Close amount is XXXX. Assets are Insufficient. Full EMD appearing on CD was not verified as cleared. - Due Diligence Vendor-08/09/2025 | Ready for Review-Document Uploaded. EMD - Seller-08/11/2025<br>| Resolved-Received validation of complete EMD-assets and reserves are sufficient. - Due Diligence Vendor-08/12/2025<br>| Qualifying DTI below maximum allowed - DTI is 2.1% and max allowed is 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 746 and minimum allowed is 680. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXXX |
| XXXX | XXXX | 304778033 D B A | Closed | FCRE1158 | 2025-08-08 11:23 | 2025-08-12 15:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received HOI. - Due Diligence Vendor-08/12/2025 <br>Ready for Review-Document Uploaded. POLICY NUMBER SHOWING - Seller-08/11/2025 <br>Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided. Missing HOI Policy number. - Due Diligence Vendor-08/08/2025 | Ready for Review-Document Uploaded. POLICY NUMBER SHOWING - Seller-08/11/2025<br>| Resolved-Received HOI. - Due Diligence Vendor-08/12/2025<br>| Qualifying DTI below maximum allowed - DTI is 2.1% and max allowed is 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 746 and minimum allowed is 680. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXXX |
| XXXX | XXXX | 304778033 D B A | Closed | FCRE8013 | 2025-08-08 11:33 | 2025-08-12 15:49 | Resolved | 1 - Information B A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received additional addendum. - Due Diligence Vendor-08/12/2025 <br> Ready for Review-Document Uploaded. 10/12/23 - XXXX<br> 11/8 = XXXX<br> 11/22/23 - XXXX<br> - Seller-08/11/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Missing Purchase Contract addendum reflecting the EMD in the amount of XXXX - Due Diligence Vendor-08/09/2025 | Ready for Review-Document Uploaded. 10/12/23 - XXXX<br> 11/8 = XXXX<br> 11/22/23 - XXXX<br> - Seller-08/11/2025 | Resolved-Received additional addendum. - Due Diligence Vendor-08/12/2025<br>| Qualifying DTI below maximum allowed - DTI is 2.1% and max allowed is 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 746 and minimum allowed is 680. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXXX |
| XXXX | XXXX | 304778033 D B A | Closed | FCRE8201 | 2025-08-08 12:45 | 2025-08-08 13:39 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted to allow FTHB investment purchase. Non-material waiver applied with comp factors. Deemed non-material due to numerous comp factors including low DTI. - Due Diligence Vendor-08/08/2025 <br>Open-FTHB not allowed for investment purchase. - Due Diligence Vendor-08/08/2025 |  | Waived-Originator exception granted to allow FTHB investment purchase. Non-material waiver applied with comp factors. Deemed non-material due to numerous comp factors including low DTI. - Due Diligence Vendor-08/08/2025<br>| Qualifying DTI below maximum allowed - DTI is 2.1% and max allowed is 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 746 and minimum allowed is 680. | FICO 20 pts over min<br> DTI 10% under max<br> Employment > 5 years<br> Minimal consumer debt |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | XXXX |
| XXXX | XXXX | 304778033 D B A | Closed | FCRE0008 | 2025-08-08 13:31 | 2025-08-08 13:38 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty Discrepancy | Waived-Originator exception granted to allow no prepay penalty. Non-material waiver applied with comp factors. Deemed non-material due to numerous comp factors. - Due Diligence Vendor-08/08/2025 <br>Open-Investment property and has no prepayment penalty as required by guidelines - Due Diligence Vendor-08/08/2025 |  | Waived-Originator exception granted to allow no prepay penalty. Non-material waiver applied with comp factors. Deemed non-material due to numerous comp factors. - Due Diligence Vendor-08/08/2025<br>| Qualifying DTI below maximum allowed - DTI is 2.1% and max allowed is 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 746 and minimum allowed is 680. | FICO 20 pts over min<br> DTI 10% under max<br> Employment > 5 years<br> Minimal consumer debt |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | XXXX |
| XXXX | XXXX | 304778049 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  | XXXX |
| XXXX | XXXX | 304778034 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  | XXXX |
| XXXX | XXXX | 304778041 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  | XXXX |
| XXXX | XXXX | 304778036 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  | XXXX |
| XXXX | XXXX | 304778043 C B A | Closed | FCRE1148 | 2025-08-13 15:00 | 2025-08-15 13:46 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received preliminary title reflecting sufficient coverage. - Due Diligence Vendor-08/15/2025 <br>Ready for Review-Document Uploaded. schedule A showing correct loan amount - Seller-08/14/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). - Due Diligence Vendor-08/13/2025 | Ready for Review-Document Uploaded. schedule A showing correct loan amount - Seller-08/14/2025<br>| Resolved-Received preliminary title reflecting sufficient coverage. - Due Diligence Vendor-08/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 749; guidelines require 700. <br>LTV is less than guideline maximum - Loan to Value 10% or more under requirement. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | XXXX | 304778043 C B A | Closed | FCRE0969 | 2025-08-13 15:33 | 2025-08-13 16:32 | Waived | 2 - Non-Material C B | Credit | Closing | Prepayment Penalty Issue | Waived-Originator exception granted to allow no PPP. Non-material waiver applied with comp factors. Deemed non-material due to borrower has history of retaining investment property. - Due Diligence Vendor-08/13/2025 <br>Open-No prepay on loan, guides require a PPP for program. - Due Diligence Vendor-08/13/2025 |  | Waived-Originator exception granted to allow no PPP. Non-material waiver applied with comp factors. Deemed non-material due to borrower has history of retaining investment property. - Due Diligence Vendor-08/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 749; guidelines require 700. <br>LTV is less than guideline maximum - Loan to Value 10% or more under requirement. | 1. Loan to Value 10% or more under requirement. 2. Qualifying FICO score 749; guidelines require 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | XXXX |
| XXXX | XXXX | 304778042 D A | Closed | FCRE7347 | 2025-08-15 06:39 | 2025-08-18 14:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Received appraisal confirming month to month leases-not required. - Due Diligence Vendor-08/18/2025 <br>Ready for Review-Document Uploaded. the appraiser corrected the comp rent schedule to show the rent as monthly (no lease) - Seller-08/15/2025 <br>Open-Refinance transaction per guides - FNMA Form 1007 or 1025 reflecting long term market rents, AND lease agreement if property is leased. Appraisal confirms tenant occupied. LOE in file states there is no lease (month to month). - Due Diligence Vendor-08/15/2025 | Ready for Review-Document Uploaded. the appraiser corrected the comp rent schedule to show the rent as monthly (no lease) - Seller-08/15/2025<br>| Resolved-Received appraisal confirming month to month leases-not required. - Due Diligence Vendor-08/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 749 and minimum allowed is 700<br>LTV is less than guideline maximum - LTV is 53.21% and max allowed is 75% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | XXXX | 304778037 D A | Closed | FCRE7347 | 2025-08-15 07:52 | 2025-08-18 14:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Appraiser confirms month to month lease. - Due Diligence Vendor-08/18/2025 <br>Ready for Review-Document Uploaded. per the OIS of the appraisal, the tenants rent month to month - Seller-08/15/2025 <br>Open-Missing Lease Agreement. Lease agreement if property is leased is required. - Due Diligence Vendor-08/15/2025 | Ready for Review-Document Uploaded. per the OIS of the appraisal, the tenants rent month to month - Seller-08/15/2025<br>| Resolved-Appraiser confirms month to month lease. - Due Diligence Vendor-08/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 772 and minimum allowed is 700<br>LTV is less than guideline maximum - LTV is 42% and max LTV is 75% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX |  | 304732577 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX |  | 304758071 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |

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## Exhibit 99.9

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.9**

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| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Original Loan Amount** |
| XXXX | XXXX | 304471705 | XXXX C A |
| XXXX | XXXX | 304471679 | XXXX A C B |
| XXXX | XXXX | 304471703 | XXXX D A |
| XXXX | XXXX | 304471709 | XXXX C A |
| XXXX | XXXX | 304471686 | XXXX D B A |
| XXXX | XXXX | 304471690 | XXXX A |
| XXXX | XXXX | 304702222 | XXXX C A |
| XXXX | XXXX | 304702215 | XXXX D A |
| XXXX | XXXX | 304681900 | XXXX C A B |
| XXXX | XXXX | 304694467 | XXXX A |
| XXXX | XXXX | 304694524 | XXXX C A B |
| XXXX | XXXX | 304702140 | XXXX C A |
| XXXX | XXXX | 304702153 | XXXX C A |
| XXXX | XXXX | 304702171 | XXXX A |
| XXXX | XXXX | 304702149 | XXXX A |
| XXXX | XXXX | 304702163 | XXXX D A |
| XXXX | XXXX | 304702176 | XXXX C A |
| XXXX | XXXX | 304702170 | XXXX A |
| XXXX | XXXX | 304702167 | XXXX A C B |
| XXXX | XXXX | 304702156 | XXXX C A B |
| XXXX | XXXX | 304702139 | XXXX D B A |
| XXXX | XXXX | 304702207 | XXXX D C A |
| XXXX | XXXX | 304702212 | XXXX D A |
| XXXX | XXXX | 304702209 | XXXX C A |
| XXXX | XXXX | 304702183 | XXXX C A B |
| XXXX | XXXX | 304702158 | XXXX D A |
| XXXX | XXXX | 304702157 | XXXX D A |
| XXXX | XXXX | 304702155 | XXXX D A |
| XXXX | XXXX | 304702143 | XXXX C B A |
| XXXX | XXXX | 304702122 | XXXX D C A |
| XXXX | XXXX | 304702145 | XXXX C A B |
| XXXX | XXXX | 304702126 | XXXX A |
| XXXX | XXXX | 304702199 | XXXX C B A |
| XXXX | XXXX | 304702124 | XXXX A C |
| XXXX | XXXX | 304702147 | XXXX C A B |
| XXXX | XXXX | 304702138 | XXXX C A B |
| XXXX | XXXX | 304702201 | XXXX C A |
| XXXX | XXXX | 304713580 | XXXX B A |
| XXXX | XXXX | 304736048 | XXXX A C |
| XXXX | XXXX | 304736028 | XXXX A |
| XXXX | XXXX | 304736040 | XXXX D A |
| XXXX | XXXX | 304736053 | XXXX C A |
| XXXX | XXXX | 304736019 | XXXX A |
| XXXX | XXXX | 304736027 | XXXX A |
| XXXX | XXXX | 304736050 | XXXX A |
| XXXX | XXXX | 304735996 | XXXX D A |
| XXXX | XXXX | 304735997 | XXXX D A |
| XXXX | XXXX | 304736080 | XXXX A |
| XXXX | XXXX | 304736070 | XXXX C A |
| XXXX | XXXX | 304736100 | XXXX A |
| XXXX | XXXX | 304736086 | XXXX A |
| XXXX | XXXX | 304736078 | XXXX D A |
| XXXX | XXXX | 304732499 | XXXX A |
| XXXX | XXXX | 304736042 | XXXX C A B |
| XXXX | XXXX | 304736066 | XXXX A |
| XXXX | XXXX | 304736014 | XXXX A |
| XXXX | XXXX | 304736035 | XXXX A C |
| XXXX | XXXX | 304736058 | XXXX A |
| XXXX | XXXX | 304736103 | XXXX C A |
| XXXX | XXXX | 304732564 | XXXX A B |
| XXXX | XXXX | 304736073 | XXXX A C |
| XXXX | XXXX | 304736098 | XXXX C A |
| XXXX | XXXX | 304736049 | XXXX A |
| XXXX | XXXX | 304736057 | XXXX D A |
| XXXX | XXXX | 304736011 | XXXX D A |
| XXXX | XXXX | 304736015 | XXXX A |
| XXXX | XXXX | 304736094 | XXXX B A |
| XXXX | XXXX | 304736102 | XXXX C A B |
| XXXX | XXXX | 304736067 | XXXX A |
| XXXX | XXXX | 304735988 | XXXX C A B |
| XXXX | XXXX | 304736005 | XXXX D A |
| XXXX | XXXX | 304735981 | XXXX A |
| XXXX | XXXX | 304732614 | XXXX C D A B |
| XXXX | XXXX | 304735987 | XXXX A |
| XXXX | XXXX | 304736054 | XXXX A |
| XXXX | XXXX | 304735990 | XXXX A |
| XXXX | XXXX | 304732661 | XXXX A |
| XXXX | XXXX | 304736052 | XXXX A |
| XXXX | XXXX | 304735998 | XXXX A |
| XXXX | XXXX | 304732540 | XXXX A |
| XXXX | XXXX | 304736017 | XXXX A |
| XXXX | XXXX | 304736072 | XXXX C A B |
| XXXX | XXXX | 304754752 | XXXX B A |
| XXXX | XXXX | 304736029 | XXXX A |
| XXXX | XXXX | 304736062 | XXXX D A B |
| XXXX | XXXX | 304736043 | XXXX A |
| XXXX | XXXX | 304736002 | XXXX A |
| XXXX | XXXX | 304735986 | XXXX A |
| XXXX | XXXX | 304736105 | XXXX A C |
| XXXX | XXXX | 304732505 | XXXX C A |
| XXXX | XXXX | 304732623 | XXXX C A B |
| XXXX | XXXX | 304736069 | XXXX D A |
| XXXX | XXXX | 304754761 | XXXX D A |
| XXXX | XXXX | 304736063 | XXXX A |
| XXXX | XXXX | 304754750 | XXXX A |
| XXXX | XXXX | 304735977 | XXXX D A |
| XXXX | XXXX | 304732556 | XXXX C A |
| XXXX | XXXX | 304754751 | XXXX A |
| XXXX | XXXX | 304736033 | XXXX A |
| XXXX | XXXX | 304732456 | XXXX A |
| XXXX | XXXX | 304754739 | XXXX D A B |
| XXXX | XXXX | 304732431 | XXXX A B |
| XXXX | XXXX | 304736059 | XXXX A |
| XXXX | XXXX | 304736016 | XXXX C A |
| XXXX | XXXX | 304754773 | XXXX C A B |
| XXXX | XXXX | 304758121 | XXXX A C |
| XXXX | XXXX | 304754749 | XXXX C A B |
| XXXX | XXXX | 304732558 | XXXX A |
| XXXX | XXXX | 304754681 | XXXX C A B |
| XXXX | XXXX | 304754678 | XXXX C A B |
| XXXX | XXXX | 304754676 | XXXX C A B |
| XXXX | XXXX | 304732469 | XXXX A |
| XXXX | XXXX | 304732445 | XXXX A |
| XXXX | XXXX | 304732416 | XXXX C A |
| XXXX | XXXX | 304758165 | XXXX C A |
| XXXX | XXXX | 304754744 | XXXX A |
| XXXX | XXXX | 304754675 | XXXX C A B |
| XXXX | XXXX | 304754677 | XXXX C A B |
| XXXX | XXXX | 304754679 | XXXX C A B |
| XXXX | XXXX | 304758153 | XXXX A |
| XXXX | XXXX | 304758087 | XXXX C A |
| XXXX | XXXX | 304758142 | XXXX C A |
| XXXX | XXXX | 304754723 | XXXX A |
| XXXX | XXXX | 304735984 | XXXX A |
| XXXX | XXXX | 304732478 | XXXX A |
| XXXX | XXXX | 304754734 | XXXX B A |
| XXXX | XXXX | 304732402 | XXXX D A |
| XXXX | XXXX | 304758141 | XXXX C A B |
| XXXX | XXXX | 304778048 | XXXX C A B |
| XXXX | XXXX | 304778038 | XXXX C A B |
| XXXX | XXXX | 304778052 | XXXX A |
| XXXX | XXXX | 304732420 | XXXX D A |
| XXXX | XXXX | 304778047 | XXXX A |
| XXXX | XXXX | 304778055 | XXXX C A B |
| XXXX | XXXX | 304778033 | XXXX D A B |
| XXXX | XXXX | 304778049 | XXXX A |
| XXXX | XXXX | 304778034 | XXXX A |
| XXXX | XXXX | 304778041 | XXXX A |
| XXXX | XXXX | 304778036 | XXXX A |
| XXXX | XXXX | 304778043 | XXXX C A B |
| XXXX | XXXX | 304778042 | XXXX D A |
| XXXX | XXXX | 304778037 | XXXX D A |
| XXXX | XXXX | 304732577 | XXXX A |
| XXXX | XXXX | 304758071 | XXXX A |

---

## Exhibit 99.10

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.10**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX |  | 304471705 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304471679 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | -.0719 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0719 | 97.0 | 0.03 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304471703 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304471709 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 57.69 | 57.69 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | XXXX |
| XXXX |  | 304471686 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 46.36 | 46.36 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |
| XXXX |  | 304471690 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0000 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304702222 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 56.55 | 56.55 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  |  |
| XXXX |  | 304702215 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304681900 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 30.47 | 30.47 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | XXXX |
| XXXX |  | 304694467 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 79.95 | 79.95 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX |  | 304694524 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | -.0152 | 1004 URAR |  |  |  |  | XXXX | XXXX | -.0152 | XXXX | 1004 URAR | XXXX | XXXX | .0122 | 93.0 | 0.07 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304702140 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304702153 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304702171 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304702149 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 79.6 | 79.6 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1.2 | XXXX |
| XXXX |  | 304702163 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 50.0 | 50.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304702176 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304702170 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 49.14 | 49.14 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304702167 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304702156 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304702139 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX |  | 304702207 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 42.72 | 47.09 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX |  | 304702212 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 71.76 | 71.76 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304702209 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 55.11 | 55.11 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 4.5 | XXXX | Not Eligible | 2.4 | XXXX |
| XXXX |  | 304702183 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX | Not Eligible | 1 | XXXX |
| XXXX |  | 304702158 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304702157 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304702155 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.43 | 70.43 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX |  | 304702143 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304702122 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 61.54 | 61.54 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX |  | 304702145 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304702126 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 35.71 | 35.71 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304702199 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304702124 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 55.94 | 55.94 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304702147 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX |  | 304702138 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| XXXX |  | 304702201 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX |  | 304713580 | XXXX | XXXX |  | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | -.0110 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0110 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304736048 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304736028 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1.3 | XXXX |
| XXXX |  | 304736040 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX |  | 304736053 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 50.0 | 50.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304736019 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX |  | 304736027 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 50.0 | 50.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304736050 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304735996 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304735997 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0955 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0955 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304736080 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0278 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0278 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX |  | 304736070 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304736100 | XXXX | XXXX |  | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 17.5 | 17.5 | XXXX | 0.0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304736086 | XXXX | XXXX |  | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304736078 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0000 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX |  | 304732499 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | XXXX |
| XXXX |  | 304736042 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304736066 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XXXX |
| XXXX |  | 304736014 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0138 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0138 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304736035 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304736058 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 25.64 | 25.64 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | XXXX |
| XXXX |  | 304736103 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304732564 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0385 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0385 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX |  | 304736073 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX |  | 304736098 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304736049 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | XXXX |
| XXXX |  | 304736057 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304736011 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304736015 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 79.51 | 79.51 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304736094 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |
| XXXX |  | 304736102 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | 1025 Small Residential Income Report |  |  |  |  | XXXX | XXXX | .0000 | XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304736067 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 62.33 | 62.33 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304735988 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304736005 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304735981 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304732614 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0372 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0372 | 97.0 | 0.03 | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304735987 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304736054 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 47.5 | 47.5 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304735990 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304732661 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304736052 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304735998 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XXXX |
| XXXX |  | 304732540 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304736017 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304736072 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304754752 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX |  | 304736029 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 39.13 | 39.13 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XXXX |
| XXXX |  | 304736062 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  |  |
| XXXX |  | 304736043 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1.1 | XXXX |
| XXXX |  | 304736002 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX | Not Eligible | 1 | XXXX |
| XXXX |  | 304735986 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 62.5 | 62.5 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304736105 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX |  | 304732505 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 43.1 | 43.1 | XXXX | XXXX | .0095 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0095 | 93.0 | 0.07 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX |
| XXXX |  | 304732623 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX |
| XXXX |  | 304736069 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  |  |
| XXXX |  | 304754761 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX |  | 304736063 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0179 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0179 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304754750 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0138 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0138 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XXXX |
| XXXX |  | 304735977 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 59.27 | 59.27 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX |
| XXXX |  | 304732556 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | -.0595 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0595 | 96.0 | 0.04 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XXXX |
| XXXX |  | 304754751 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .1045 | 1004 URAR |  |  |  |  | XXXX | XXXX | .1045 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304736033 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX |
| XXXX |  | 304732456 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0275 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0275 | 97.0 | 0.03 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XXXX |
| XXXX |  | 304754739 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 74.9 | 74.9 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304732431 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 64.04 | 64.04 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX |  | 304736059 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304736016 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304754773 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | 1025 Small Residential Income Report |  |  |  |  | XXXX | XXXX | .0000 | XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304758121 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0735 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0735 | 94.0 | 0.06 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible |  |  |
| XXXX |  | 304754749 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304732558 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0022 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0022 | 95.0 | 0.05 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304754681 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304754678 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0234 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0234 | 92.0 | 0.08 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304754676 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304732469 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 89.99 | 89.99 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304732445 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304732416 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0401 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0401 | 93.0 | 0.07 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304758165 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| XXXX |  | 304754744 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1.1 | XXXX |
| XXXX |  | 304754675 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304754677 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304754679 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304758153 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304758087 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304758142 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX |  | 304754723 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 64.65 | 64.65 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304735984 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.6 | XXXX |
| XXXX |  | 304732478 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| XXXX |  | 304754734 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0000 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304732402 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 66.67 | 66.67 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | XXXX |
| XXXX |  | 304758141 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | XXXX | 304778048 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304778038 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304778052 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 79.72 | 79.72 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304732420 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304778047 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304778055 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304778033 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304778049 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.19 | 65.19 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304778034 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304778041 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 24.6 | 24.6 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | XXXX | 304778036 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| XXXX | XXXX | 304778043 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 55.0 | 55.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| XXXX | XXXX | 304778042 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 53.21 | 53.21 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304778037 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 42.0 | 42.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304732577 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304758071 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .1146 | 1004 URAR |  |  |  |  | XXXX | XXXX | .1146 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX |

---

## Exhibit 99.11

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.11**

![](ex9911001.jpg)

![](ex9911002.jpg)

**October 7, 2025<br> Due Diligence Narrative Report**<br>

![](ex9911001.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **3** |
| &nbsp;&nbsp;&nbsp;Sampling | 3 |
| &nbsp;&nbsp;&nbsp;Sponsor Acquisition Criteria | 3 |
| &nbsp;&nbsp;&nbsp;Loan Grading | 3 |
| &nbsp;&nbsp;&nbsp;TPR Component Review Scope | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 5 |
| &nbsp;&nbsp;&nbsp;Data Capture | 7 |
| &nbsp;&nbsp;&nbsp;Data Integrity | 7 |
| **Data Compare Results** | **8** |
| **Clayton Due Diligence Results** | **9** |
| **Clayton Third Party Reports Delivered** | **10** |
| **Appendix A: Credit Review Scope** | **11** |
| **Appendix B: Origination Appraisal Assessment** | **14** |
| **Appendix C: Regulatory Compliance Review Scope** | **17** |

---

JPMMT 2025-NQM4 Due Diligence Narrative Report Page \| 1 October 7, 2025

![](ex9911001.jpg)

**Clayton Contact Information** 

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](ex9911003.jpg) | **Chris Turk** | Senior Client Service Director |
|  |  | Phone: (813) 472-6509/E-mail: <u>cturk@clayton.com</u> |
| ![](ex9911003.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview** 

On behalf of Hometown Equity Mortgage, LLC ("theLender"), Clayton conducted an independent third-party pre-securitization due diligence review of 68 residential loan. The due diligence for theLender (68 loan) took place between May 2025 and August 2025.

JPMorgan Chase Bank, National Association ("JPMorgan") acquired this diligence through a Reliance Letter purchase and selected these loans for the JPMMT 2025-NQM4 transaction.

This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton's review.

**Originators** 

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | **Loan Count** | **Percentage** |
| &nbsp;&nbsp;Broker | 66 | 97.06% |
| &nbsp;&nbsp;Retail | 2 | 2.94% |
| &nbsp;&nbsp;**Total** | **68** | **100.00%** |

---

JPMMT 2025-NQM4 Due Diligence Narrative Report Page \| 2 October 7, 2025

![](ex9911001.jpg)

**Clayton's Third Party Review ("TPR") Scope of Work** 

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

Sampling

For all originators in this transaction, 100% of the loans received a Full Review as described below.

Review Type Loan Counts:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;***Review Type*** | &nbsp;&nbsp;***Loan Count*** <br> ***Reviewed by <br> Clayton***  | ***Scope Applied*** |
| &nbsp;&nbsp;**Full Review** | 68 | Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| &nbsp;&nbsp;**Total Loan <br> Population** | &nbsp;&nbsp;68<br>|  |

---

Sponsor Acquisition Criteria

Clayton was supplied with the related guidelines in advance of our review. The subject loans were reviewed pursuant to the applicable Originators guidelines.

Loan Grading

The Sponsor Acquisition Criteria referenced above served as the benchmark for grading loans from a credit underwriting, property valuation and regulatory compliance perspective, as applicable. Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade takes into account additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Clayton's loan grading is solely based on Clayton's independent assessment of all guideline exceptions and compensating factors for each of the component reviews. Clayton is providing a comprehensive loan-level analysis as part of this pre-securitization reporting package that includes

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

JPMMT 2025-NQM4 Due Diligence Narrative Report Page \| 3 October 7, 2025

![](ex9911001.jpg)

initial grades, final grades and detailed commentary on the rationale for any changes in grades, and sets forth compensating factors and waivers.

Clayton's loan grading complied with rating agency grading definitions published by Moody's, Standard and Poor's, Fitch, Morningstar/DBRS and Kroll.

![](ex9911004.jpg)

TPR Component Review Scope

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

Credit Review

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Examined
 income, employment, assets, and occupancy status for reasonability; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Examined
 Data Verify/Fraudguard/Interthinx or similar risk evaluation report, which was ordered
 by the Seller and received by Clayton for Nationwide Multistate Licensing System and
 Registry ("NMLS") and occupancy status alerts. Clayton researched alert information
 against loan documentation and assigned loan conditions accordingly.

JPMMT 2025-NQM4 Due Diligence Narrative Report Page \| 4 October 7, 2025

![](ex9911001.jpg)

Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original
 Appraisal Assessment (68 loans)

– Clayton reviewed the original appraisal provided to determine whether the original appraisal was complete, thorough and the original appraised value was reasonably supported.

– For more detail on the original appraisal review scope and desk review definitions, please refer to Appendix B and to the guidelines cited above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value
 Supported Analysis (68 loans)

Clayton applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third party valuation product. Clayton had independent access to all products listed below.

For loans reviewed:

○ 39 loans had a collateral underwriter through Fannie/Desktop Underwriter of 2.5 or less and therefore did not require a 3<sup>rd</sup> party product.

○ 25 loans had a Desk Review in file to show support for value.

○ 3 loans had an Automated Valuation Model ("AVM") in file.

○ 1 loan had a second Full Appraisal in file to show support for value.

Regulatory Compliance Review

Clayton's regulatory compliance scope of review conducted on this transaction included the elements summarized below.

(For more detail, please refer to <u>Appendix C</u>.)

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tested
 for state-specific consumer protection laws including late charge and prepayment penalty
 provisions;

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

– Notice of Right to Cancel (Right of Rescission) adherence if applicable;

– TIL Disclosure Timing (3/7/3) and disclosure content;

– TIL APR and Finance charge tolerances;

– Timeliness of ARM Disclosures (if applicable);

– Section 32 APR and Points and Fees Thresholds and prohibited practices;

– Section 35 Higher Priced Mortgage Loans thresholds and applicable escrow and appraisal requirements;

– Prohibited Acts or Practices including Loan Originator compensation rules, NMLSR ID on documents, financing credit Insurance, mandatory arbitration clauses, and NegAm Counseling;

– Prepayment Penalty restrictions;

QM/ATR Review: On applicable loans, test compliance with applicable Qualified Mortgage (QM) and Ability to Repay (ATR) requirements defined under the Dodd-Frank Wall Street Reform and Consumer Protection Act as promulgated by the Consumer Financial Protection Bureau, as further described on <u>Appendix C</u> attached hereto

For loans identified as QM based upon the revised QM definition, the scope included identifying whether loans met the QM definition in terms of loan term, fees and product features, and also whether (1) the loan's APR did not exceed the QM APOR threshold applicable to the loan and (2) that the lender considered and verified income, assets and debt in accordance with the revised QM standards.

JPMMT 2025-NQM4 Due Diligence Narrative Report Page \| 5 October 7, 2025

![](ex9911001.jpg)

Clayton included in its review an analysis to determine if the lender's underwriting deviated from the VSH guidelines that the lender documented that they used. This scope only applies if the lender underwrote the loan to either chapters B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide published June 3, 2020; or sections 5102 through 5500 of the Freddie Mac Single-Family Seller/Servicer Guide, published June 10, 2020. See Appendix C for more detail.

TILA/RESPA Integrated Disclosure Scope ('Covered Loans' on or after 10/3/2015); SFA RMBS 3.0 TRID Compliance Review Scope as further described on <u>Appendix C</u> attached hereto.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Real
 Estate Settlement Procedures Act (RESPA) laws and regulations testing included the following,
 for loans other than 'Covered Loans' and loans with an Application Date prior
 to 10/3/2015:

– GFE initial disclosure timing and content;

– Confirmed the file contains the final HUD1 Settlement Statement;

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

– Homeownership Counseling Notice; and

– Affiliated Business Disclosure if applicable.

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

On, June 15<sup>th</sup>, 2016 SFA published its RMBS 3.0 TRID Compliance Review Scope© documentation, developed under the leadership of members from TPR firms across the industry and SFA's RMBS 3.0 Due Diligence, Data and Disclosure Working Group. The RMBS 3.0 TRID Compliance Review Scope was created with an aim to facilitate a uniform testing and risk identification standard as it would apply to an assignee, as a result of a consistent Truth-In-Lending Act liability interpretation according to the understanding of prevailing legal precedent and informal written guidance and webinars offered by the CFPB, as it applies to the Know Before You Owe / Truth In Lending Act ("TILA) – Real Estate Settlement Procedures Act ("RESPA") Integrated Disclosure ("TRID") Rule (78 FR 79730, as amended). RMBS 3.0 TRID Compliance Review Scope may be formally amended by the SFA RMBS 3.0 Due Diligence, Data and Disclosure Working Group as clarifying regulations may be promulgated on a go forward basis, as well as any binding judicial interpretations of the underlying law.

Following the June 15<sup>th</sup> , 2016 formal publication of the RMBS 3.0 TRID Compliance Review Scope©, Clayton reviewed prior testing results dating back to the TRID Effective Date, and applied the enhanced RMBS 3.0 TRID Compliance Review Scope to such loans upon the affirmative election by JPMorgan.

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

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

JPMMT 2025-NQM4 Due Diligence Narrative Report Page \| 6 October 7, 2025

![](ex9911001.jpg)

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

State and Federal High Cost and Higher-Priced:

● Cook County High Cost Ordinance

● Chicago High Cost Ordinance

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

Anti-predatory lending laws

● Virginia Lender and Broker Act after 6/1/2008

● Minnesota §58 on or after 8/1/2008

Prepayment Penalties and Late Charges in certain states

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

● Sufficiency of coverage

● Escrow of insurance payment

Data Capture

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

Data Integrity

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Discrepancies
 found during comparison are stored; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Each
 discrepancy is reported on the Clayton Loan Level Tape Compare.

JPMMT 2025-NQM4 Due Diligence Narrative Report Page \| 7 October 7, 2025

![](ex9911001.jpg)

**Data Compare Results** 

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | **#** | **Accuracy %** |
| &nbsp;&nbsp;Borrower 2 First Name | 2 | 97.06% |
| &nbsp;&nbsp;Borrower DSCR Percent | 1 | 98.53% |
| &nbsp;&nbsp;Cash Reserves | 29 | 57.35% |
| &nbsp;&nbsp;Combined LTV | 22 | 67.65% |
| &nbsp;&nbsp;Credit Report Date | 7 | 89.71% |
| &nbsp;&nbsp;Debt to Income Ratio (Back) | 2 | 97.06% |
| &nbsp;&nbsp;Disbursement Date | 7 | 89.71% |
| &nbsp;&nbsp;Ever in Foreclosure | 1 | 98.53% |
| &nbsp;&nbsp;Months Reserves | 42 | 38.24% |
| &nbsp;&nbsp;Original Appraisal Date | 5 | 92.65% |
| &nbsp;&nbsp;Original Appraised Value | 1 | 98.53% |
| &nbsp;&nbsp;Product Type | 12 | 82.35% |
| &nbsp;&nbsp;Property Type | 7 | 89.71% |
| &nbsp;&nbsp;Representative Credit Score for Grading | 1 | 98.53% |
| &nbsp;&nbsp;Total Cash Out | 44 | 35.29% |

---

JPMMT 2025-NQM4 Due Diligence Narrative Report Page \| 8 October 7, 2025

![](ex9911001.jpg)

**Clayton Due Diligence Results**

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

**Initial and Final Overall Loan Grade Results** 

<u>Loan Pool (68 loans)</u>

**Initial and Final Credit Component Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 47 |  | 2 | 8 | **57** |
| **Final** | **B** |  | 4 | 5 | 2 | **11** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **47** | **4** | **7** | **10** | **68** |

---

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 52 |  | 3 | 7 | **62** |
| **Final** | B |  | 4 | 2 |  | **6** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **52** | **4** | **5** | **7** | **68** |

---

**Initial and Final Property Valuation Grade Results** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 62 |  | 1 | 2 | **65** |
| **Final** | B |  | 2 |  | 1 | **3** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **62** | **2** | **1** | **3** | **68** |

---

JPMMT 2025-NQM4 Due Diligence Narrative Report Page \| 9 October 7, 2025

![](ex9911001.jpg)

**Initial and Final Regulatory Compliance Grade Results** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 36 |  |  | 1 | **37** |
| **Final** | B |  |  | 3 | 1 | **4** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **36** | **0** | **3** | **2** | **41** |

---

The total count of loans that received a compliance review (41 loans) varies from the overall pool count (68 loans) due to investor loans not having applicability for compliance results.

**Clayton Third Party Reports Delivered** 

Clayton furnished the following reports on this transaction:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Narrative
 Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Exception
 Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Guideline
 Key

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Rating
 Agency Grades Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Supplemental
 Report

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Valuations
 Report

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**Appendix A: Credit Review Scope** 

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

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

○ DTI

○ LTV/TLTV/HLTV

○ Credit score

○ Income and employment

○ Assets and reserves

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

○ Borrower eligibility, including:

– Citizenship status

– Non- occupant co-borrower

○ Transaction eligibility, including:

– Maximum loan amount

– Loan purpose

– Occupancy

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

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

○ Uniform Residential Loan Application reviewed to determine:

– Initial loan application was in the loan file and was signed by all borrowers

– Final loan application was in the loan file and was complete

– Information and debts disclosed on loan application aligned with related documentation in the loan file

○ Employment analyzed and verified through use of various documents, including:

– Income documentation

– Verbal and/or written verifications of employments (VVOE, VOE)

– CPA letter

– Business licenses

– Tax transcripts (IRS Form 4506-T)

– Other documentation in loan file

○ Income review included:

– Required income documentation for all borrowers was present and within required time period

– Documents did not appear to have been altered or inconsistent

– IRS Form 4506-T

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

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

– Income was recalculated and was documented with applicable documentation, including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tax
 returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Financial
 statements

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Paystubs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ W-2s

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 1099

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ IRS
 documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Bank
 statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Lease
 agreements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Award
 letters

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

○ Asset review included:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Depository
 account statements

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Gift
 funds

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Settlements
 statements

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

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

– Asset documents were reviewed to determine any large deposits and appropriate sourcing of funds

○ Credit Report review included:

– Complete copy of report was in loan file

– Report was dated within required timeframe

– All borrowers were included in the report

– Checked any fraud alerts against related loan file documentation

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

– Compared liabilities listed on the credit report against the loan application for accurate debt ratio calculation

– Captured and utilized appropriate credit score for guideline review

○ Title policy review included:

– Title interest – determined if

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee
 simple

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Leasehold
 estate

– Appropriate vestee(s) were listed on title policy

Amount of coverage was greater than or equal to the original principal amount of the mortgage

– Applicable title endorsements were present

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

– Reviewed the chain of title and duration of ownership by seller or borrower (whichever was applicable)

– Captured monthly tax payments in debt ratio calculation

○ HUD1 (Settlement Statement) review included:

– Funds to close identified and analyzed against borrower's assets

– Seller contributions did not exceed maximum allowed

– Subject property, seller and borrower aligned with other loan documentation

– Disbursements and pay-offs included in debt ratio calculations

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– Loan purpose confirmed

○ Hazard/Flood insurance review included:

– Verified presence of required hazard insurance and flood insurance (if required)

– Confirmed that any required insurance was for the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct
 borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct
 property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct
 lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct
 loan number

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

Confirmed that any required insurance minimum coverage amount and policy period

– Reviewed for evidence that any required insurance policy premium was paid

– Confirmed that the mortgagee clause listed the lender's name and "it's successors and assigns"

Confirmed that the payment amount on any required insurance was included in the debt ratio calculation

○ Mortgage Insurance review included:

– Determined if mortgage insurance is required

Captured mortgage insurance name, certificate # and percentage guarantee (when required)

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

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

○ Borrower identity

– Social Security inconsistencies

– Borrower name variations

○ Occupancy

– Borrower address history

– Subject property ownership history

○ Employment

○ Licensing – reviewed NMLS data for:

– Mortgage lender/originator

– Loan officer

○ OFAC

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**Appendix B: Origination Appraisal Assessment** 

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

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

○ Appraisal report used standard GSE forms, appropriate to the property type:

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

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

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

– FNMA 2090 – Individual Cooperative Appraisal Report. Used for individual cooperative units

– FNMA 2000/FHLMC 1032 – One Unit Residential Appraisal Field Review

– FNMA 2000a/FHLMC 1072 – Two to Four Unit Residential Appraisal Field Review

○ Appraisal report was reasonably complete and included:

– Appraisal report form, certification, statement of limiting conditions and scope of work

– Accurate identification of the subject property

– Accurate identification of the subject loan transaction

– Accurate identification of the property type, in both land and improvements

– All required attachments including:

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Location
 map

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

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

– Evidence that appraisal report was made "As Is" or provided satisfactory evidence of completion for all material conditions

– Appraisal date met supplied Sponsor Acquisition Criteria

– If applicable to Sponsor Acquisition Criteria requirements, a second full appraisal was furnished and met Sponsor Acquisition Criteria

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

○ Title XI of FIRREA:

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

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– Determined that either the appraiser or supervisory appraiser was appropriately licensed by verifying the appraiser's license included in the appraisal.

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

○ USPAP

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

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

○ Appraised value was reasonably supported. Utilized the following review in making value supported determination:

– Comps used were located reasonably close to the subject property and if not the reason was satisfactorily explained

– Comps used were reasonably recent in transaction date and if not the reason was furnished

– Comps used were reasonably similar to the subject property and if not an explanation was supplied

– Appraised value of the subject was bracketed by the sales prices of the comps and if not the reason was furnished

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

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

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

– Appraisal was made on an "As Is" basis or provides satisfactory evidence of completion of all material conditions

– Property usage was reviewed for zoning compliance

– Property utilization was reviewed to determine it was "highest and best use"

– Neighborhood values were reviewed to determine if declining

– Market conditions were reviewed to determine indication of possible marketability issues:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Location

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ %
 built up

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Growth
 rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Demand/supply

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Marketing
 time

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Predominant
 occupancy

– Physical condition of the property was reviewed to determine that the property condition was average or better

– Style of property was reviewed to determine if unique property

– Any health and safety issues were noted and/or remediated

– Locational and/or environmental concerns adequately addressed if present

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

○ 3 to 4 unit owner occupied properties

○ 2 to 4 unit second homes

○ Unwarrantable or limited review condominiums

○ Manufactured or mobile homes

○ Condotel units

○ Unique properties

○ Working farms, ranches or orchards

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○ Mixed-use properties

○ Properties subject to existing oil or gas leases

○ Properties located in Hawaii Lava Zones 1 and 2

○ Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage

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

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

F. Disclaimer

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

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

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

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

○ Clayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

G. Desk
 Review definitions

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

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

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**Appendix C: Regulatory Compliance Review Scope** 

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

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

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

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

○ Initial Good Faith Estimate, (GFE): timing and content of the initial disclosure

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

○ Final HUD1 Settlement Statement: verify the loan file contains the final HUD1 and the loan terms on the HUD1 correspond to the actual loan terms from the Note

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

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

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

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

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

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

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

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

○ High Cost mortgage thresholds for points and fees (Section 32)

○ High Cost Prohibited Acts and Practices upon request (Section 33)

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

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

○ ATR/QM Ability to Repay, aka Minimum Standards for Transactions: for applications on or after 1/10/2014, confirm the loan file contains documentation to evidence the lender considered and verified the borrower has the ability to repay in accordance with the ATR requirements This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q or the revised QM definition as described below. Non QM loans will be reviewed to ensure the lender documented that they considered and verified the 8 underwriting factors as required for

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ATR compliance. This review also includes evaluating loans against the new TILA prepayment penalty restrictions (Section 43)

○ For loans identified as QM based upon the revised QM definition, the scope included identifying whether loans met the QM definition in terms of loan term, fees and product features, and also whether (1) the loan's APR did not exceed the QM APOR threshold applicable to the loan and (2) that the lender considered and verified income, assets and debt in accordance with the revised QM standards.

○ For loans identified as QM under the revised QM definition, as applicable, an added element was to identify whether the lender used guidelines that provided a Verification Safe Harbor, based on the following review scope:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Lender
 provided a VSH Indicator. (The VSH indicator was provided within the loan images, on
 the data tape, or as part of the loan program/guidelines being originated to.) The loan
 guidelines utilize one of the specified GSE June 2020 guidelines to meet VSH. In the
 event the lender has identified the loan to have VSH status, then the TPR firm reviewed
 to identify documentation variances that would cause one to question the VSH attestation
 from the lender. If variances are identified then the loan would not be identified by
 the TPR firm to meet the VSH documentation requirements under either the Fannie Mae guidelines
 or under the Freddie Mac guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Under
 this review scope, if an AUS provides a lesser documentation standard than the Safe Harbor
 guideline and the Safe Harbor guideline does not contain a specific allowance for the
 reduced documentation, the AUS in and of itself will not evidence of VSH. For example,
 Section B3-3.5 of the Fannie Mae guidelines contains two instances where lesser DU documentation
 is allowable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Clayton
 does not independently affirm that a lender's guidelines meet VSH or that a court
 would determine that the lender met the QM consider and verify standards.

○ TILA/RESPA Integrated Disclosures ("TRID")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Test
 whether or not the loan is subject to disclosure on TRID documents, the Loan Estimate
 ("LE") and Closing Disclosure ("CD")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Pre-application
 Requirement Testing:

● Pre-application forms cannot look similar to the LE

● Pre-application forms must contain the required disclaimer ("Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan").

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Timing
 Requirements:

● The LE was delivered or placed in the mail within 3 business days of the broker or lender receiving an application.

● The loan does not consummate (Clayton looks to the later of the note date or notary date) until the later of seven business days after the LE is delivered or placed in the mail and three business days after the CD (or Corrected CD when a new three-day waiting period is triggered) is received.

● That a revised LE or CD is provided within three business days of the lender having knowledge of the information that led to the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee
 Tolerances:

● Zero and ten percent tolerance fees are only reset with a valid and timely change of circumstance.

● If a credit or refund is made, that it is sufficient to cover Clayton's calculated under-disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Payment
 Schedule Accuracy:

● The number of columns and timing of changes to payments as well as the mortgage insurance drop-off match Clayton's calculated payment schedule.

● Interest-only periods and final balloon payments are accurately completed.

● The total of the principal and interest payment, mortgage insurance and escrow amounts add up correctly.

● When applicable, that the AIR and AP tables are consistent with Clayton's calculations.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Accuracy
 of the Loan Calculations

● Amount Financed

● Finance Charge

● Total of Payments

● Total interest percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Technical
 Requirements

● Compliance with the TRID rounding rules.

● Compliance with specified formatting requirements.

● Compliance with date entry requirements (such as when a field, if not applicable, must be present and left blank).

● Alphabetization of fees.

● Title fees preceded by "Title –."

● Column or similar limits such as four columns for Projected Payments and a maximum of thirteen Origination Charges on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Consistency
 within and across forms

● Once a fee is disclosed it must remain substantially the same name across disclosures.

● Consistency between the Costs at Closing and Calculating Cash to Close tables, for which there is a version for transactions with a seller and an optional, but not required, version for transactions without a seller. They should be consistent within and across disclosures.

● Where amounts in a table reference that they are derived from another section of the form, that the amounts match the amount in the section referenced.

● Escrow amounts disclosed in the Projected Payments section tie out to the escrow amounts detailed in the Loan Disclosures section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Completion
 of the LE and CD

● All required fields not specifically listed herein are completed or left blank in accordance with TRID rules; creditor information, contact information, rate lock information, etc.

● For areas where multiple options are provided, such as Assumption, Negative Amortization and Liability after Foreclosure, only one option is indicated.

● That there is either a signature or a Loan Acceptance statement on the form.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Waivers

● Clayton will capture if the borrower waived their waiting period and the sufficiency of the waiver under TRID. However, based on past experience with clients, Clayton will also issue an exception for the loan closing early.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Corrected
 CD requiring a new waiting period

● Whether the APR increased or decreased outside of tolerance requiring a new waiting period and whether that waiting period was provided. For APR decreases Clayton will look to whether the APR decreased due to a reduced finance charge, which will be considered to be within tolerance.

● Whether the product or a product feature changed which requires a new waiting period and whether that waiting period was provided.

● Whether a prepayment penalty was added requiring a new waiting period and whether that waiting period was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Post-Close
 CD's

● Corrected CD's provided with a post-close refund.

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![](ex9911001.jpg)

● Post-close CD's to correct numerical errors based on events (such as recording) occurring within 30 days of consummation.

● Post-close CD's to correct non-numerical clerical errors required within 60 days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Related
 Documentation

● Provision and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

● Written List of Providers, when there are items in in the Services You Can Shop For category (can impact fee tolerances)

● Affiliated Business Disclosure (can impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Outside
 of Clayton's default TRID scope:

● Accuracy of the LE in terms of whether fees are within the correct category and loan terms where we would need a Note to verify. More detailed testing will occur by comparing the final CD to the Note terms.

● Whether the Liability after Foreclosure selection is correct for the property state.

● Accuracy of the Aggregate Adjustment amount.

● Presence and accuracy of the Seller's Transaction columns of the Summaries of Transactions section.

● Accuracy of the Contact Information for the lender, broker and settlement agent. Clayton will look for discrepancies across forms, but is not independently verifying the information.

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

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

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

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

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

---

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

---

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;**State/Local High Cost** |
| &nbsp;&nbsp;Arkansas | &nbsp;&nbsp;Maine | &nbsp;&nbsp;Pennsylvania |
| &nbsp;&nbsp;California | &nbsp;&nbsp;Maryland | &nbsp;&nbsp;Rhode Island, including the Providence ordinance |

---

JPMMT 2025-NQM4 Due Diligence Narrative Report Page \| 20 October 7, 2025

![](ex9911001.jpg)

---

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

---

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

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

● Minnesota (Mortgage Originator and Service Licensing Act)

● Puerto Rico (Office Regulation 5722)

● Texas (Texas Finance Code)

● West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

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

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

---

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

---

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

Several states have laws that neither create a separate class of high cost or higher-priced mortgage loan, nor impose a ceiling on the overall fees or APR, but nonetheless contain requirements and restrictions on mortgage loans that may impact the assignee or the

JPMMT 2025-NQM4 Due Diligence Narrative Report Page \| 21 October 7, 2025

![](ex9911001.jpg)

lien. Clayton tests for compliance with such laws, including late charge and prepayment penalty provisions, in the following states and municipalities:

---

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

---

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

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

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

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

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

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![](ex9911001.jpg)

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

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk. Clayton's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.© 2025 Clayton Services LLC. All rights reserved.

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

JPMMT 2025-NQM4 Due Diligence Narrative Report Page \| 23 October 7, 2025

## Exhibit 99.12

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.12**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 304732607 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304732674 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304732672 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| 304732672 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304732670 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304732670 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| 304700028 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304732664 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304732664 | XXXXXX | XXXXXX | Property Type | SFR | SFR-Attached |
| 304732660 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 23.8540 | 19.3468 |
| 304732660 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304732660 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304732652 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304732652 | XXXXXX | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 304732652 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304732651 | XXXXXX | XXXXXX | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 304732651 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304732644 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304732644 | XXXXXX | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 304732642 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304732642 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304732639 | XXXXXX | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 304732639 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304732633 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304732600 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304732632 | XXXXXX | XXXXXX | Combined LTV | 67.83 | 70.00 |
| 304732632 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 26.5310 | 20.9873 |
| 304732632 | XXXXXX | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 304732632 | XXXXXX | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 304732632 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 304732632 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304732606 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304732608 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304732607 | XXXXXX | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 304732606 | XXXXXX | XXXXXX | Borrower DSCR Percent | 2.2967 | 1.8374 |
| 304732602 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304732602 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304732600 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304732600 | XXXXXX | XXXXXX | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) |
| 304732598 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304732598 | XXXXXX | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 304732598 | XXXXXX | XXXXXX | Property Type | SFR | Low Rise Condo (1-4) |
| 304732598 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304732597 | XXXXXX | XXXXXX | Product Type | 30 Yr Fixed Interest Only | 30 yr Fixed - 10 yr IO |
| 304732589 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304732588 | XXXXXX | XXXXXX | Combined LTV | 78.32 | 80.00 |
| 304732588 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| 304732588 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304732588 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304732588 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304732583 | XXXXXX | XXXXXX | Combined LTV | 75.78 | 79.93 |
| 304732583 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304732583 | XXXXXX | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 304732583 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304732574 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304732566 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304732566 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304732560 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304732560 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304732557 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304732557 | XXXXXX | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 304732557 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304732541 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304732541 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304732538 | XXXXXX | XXXXXX | Combined LTV | 79.90 | 80.00 |
| 304732538 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| 304732538 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304732538 | XXXXXX | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 304732538 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304732536 | XXXXXX | XXXXXX | Combined LTV | 76.39 | 79.71 |
| 304732536 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304732536 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304732534 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| 304732534 | XXXXXX | XXXXXX | Ever in Foreclosure | No | Yes |
| 304732534 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304732534 | XXXXXX | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 304732526 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304732526 | XXXXXX | XXXXXX | Combined LTV | 88.07 | 90.00 |
| 304732526 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304732526 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304732518 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304732515 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| 304732515 | XXXXXX | XXXXXX | Representative Credit Score for Grading | 707 | 720 |
| 304732512 | XXXXXX | XXXXXX | Combined LTV | 69.66 | 75.00 |
| 304732512 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304732538 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304732511 | XXXXXX | XXXXXX | Combined LTV | 77.95 | 80.00 |
| 304732511 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304732503 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304732504 | XXXXXX | XXXXXX | Combined LTV | 77.50 | 80.00 |
| 304732504 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304732504 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304732481 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304732503 | XXXXXX | XXXXXX | Combined LTV | 89.72 | 90.00 |
| 304732503 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304732492 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304732492 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304732492 | XXXXXX | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 304732492 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304732490 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304732490 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304732632 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304732483 | XXXXXX | XXXXXX | Combined LTV | 88.00 | 90.00 |
| 304732483 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304732483 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304732483 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304732560 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304732481 | XXXXXX | XXXXXX | Combined LTV | 85.78 | 90.00 |
| 304732481 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304732473 | XXXXXX | XXXXXX | Borrower 2 First Name | XXXXXX | XXXXXX |
| 304732473 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304732483 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304732467 | XXXXXX | XXXXXX | Combined LTV | 76.62 | 80.00 |
| 304732467 | XXXXXX | XXXXXX | Property Type | SFR | Site Condo |
| 304732467 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304732467 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304732466 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304732583 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304732464 | XXXXXX | XXXXXX | Combined LTV | 80.13 | 85.00 |
| 304732464 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| 304732464 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304732588 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304732460 | XXXXXX | XXXXXX | Combined LTV | 65.45 | 80.00 |
| 304732460 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304732410 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304732457 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304732457 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304732432 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304732455 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304732455 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304732455 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304732454 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304732454 | XXXXXX | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 304732454 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304732464 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304732447 | XXXXXX | XXXXXX | Combined LTV | 73.61 | 75.00 |
| 304732447 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304732447 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304732440 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304732435 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304732435 | XXXXXX | XXXXXX | Combined LTV | 83.58 | 85.00 |
| 304732435 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304732435 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304732447 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304732432 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304732432 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304732504 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304732419 | XXXXXX | XXXXXX | Property Type | SFR | SFR-Attached |
| 304732419 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304732411 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304732457 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304732410 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304732557 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304732409 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304732409 | XXXXXX | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 304732409 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 304732409 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304732398 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304732406 | XXXXXX | XXXXXX | Combined LTV | 77.33 | 80.00 |
| 304732406 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304732406 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304732406 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304732403 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304732598 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304732398 | XXXXXX | XXXXXX | Combined LTV | 75.06 | 80.00 |
| 304732398 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304732398 | XXXXXX | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 304732398 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304732419 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304732396 | XXXXXX | XXXXXX | Combined LTV | 62.72 | 63.65 |
| 304732396 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304732396 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304732390 | XXXXXX | XXXXXX | Borrower 2 First Name | XXXXXX | XXXXXX |
| 304732536 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304732390 | XXXXXX | XXXXXX | Combined LTV | 73.64 | 75.00 |
| 304732390 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304732390 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304732615 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304732384 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304732460 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304732386 | XXXXXX | XXXXXX | Combined LTV | 75.15 | 80.00 |
| 304732386 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304732386 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |

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## Exhibit 99.13

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.13**

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 304732674 | XXXXXX | XXXXXX | CT | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 742 minimum program requirement is 740<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has XXXXXX PITIA which is > guideline minimum of 3 months PITIA.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has used only 13% of available credit. |
| 304732672 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Credit | Income/Employment | Active B | CRDINC150 | Income docs do not meet guidelines | No | Business bank statements evidence 9 NSF's in a 12 month period. Exception approved to allow more than 8 NSF's per guidelines 1.7.6.3. Clayton considers this non material, as borrower has 8 months reserves with none required, LTV of 52.44% is below maximum of 75%, and DTI is 21.65% with maximum of 50%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves XXXXXX months reserves, 0 months required<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 53.44% LTV is below the maximum allowed of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 664 exceeds the minimum of 660<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 10 years in business<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 21.65% is below the maximum of 50% |
| 304732672 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Credit | Terms/Guidelines | Satisfied | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing copy of payoff with XXX. Mortgage paid off at closing. | 7.14.25 Payoff rcvd | 7.14.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves XXXXXX months reserves, 0 months required<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 53.44% LTV is below the maximum allowed of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 664 exceeds the minimum of 660<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 10 years in business<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 21.65% is below the maximum of 50% |
| 304732670 | XXXXXX | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 134 months PITIA is 128 months greater than the 6 months reserves required.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has a credit line usage ratio of 5.31%. |
| 304700028 | XXXXXX | XXXXXX | TX | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Property Valuations | Appraisal | Active B | PRVAAPPR169 | Appraisal includes one or more issue(s) | No | Appraisal performed by Appraisal Connections Inc which is not on the approved XXX list. Client provided an exception approval to allow the loan with the Appraiser not on the approved XXX list.Clayton deems non-material/non-fatal to lending decision due to compensating factors: 19.02 months cash reserves/6 months required, Credit score of 703/700 minimum, over 10 years at current residence. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 10 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 19 months PITIA is 13 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 703 is above the required 700. |
| 304700028 | XXXXXX | XXXXXX | TX | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Property Valuations | Appraisal | Satisfied D | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM FSD score of .21 is greater than the maximum FSD score allowed of .13. | 5-30-25 Client uploaded CDA. | 5-30-25 Clayton reviewed CDA and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 10 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 19 months PITIA is 13 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 703 is above the required 700. |
| 304700028 | XXXXXX | XXXXXX | TX | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Property Valuations | Value | Satisfied B | PRVAVALU5249 | Property Value Not Supported | No | Property value not supported with CU score of 4.3 and AVM FSD score of .21 with a variance of -12.88%. | 5-30-25 Client uploaded CDA. | 5-30-25 Clayton reviewed CDA and updated data points. Exception satisfied. | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 10 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 19 months PITIA is 13 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 703 is above the required 700. |
| 304732664 | XXXXXX | XXXXXX | PA | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Application | Satisfied D | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Missing Fraud report for borrower. Fraud Report provided verifies all participants that did not include the borrower | 6-30-25: Client uploaded fraud search for borrower.7-10-25 Client uploaded fraud report with notes on clearance. | 6-30-25: Clayton reviewed fraud search for borrower, it shows borrower identified as on the EPLS/SAM list and no clearance was found. Require verification that borrower is not on these lists, exception remains.7-10-25 Clayton reviewed fraud report which indicates it was cleared with drivers license. Name is not a match to names listed on alerts. Exception satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 716 exceeds the minimum of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Back XXXXXX6 months reserves, 6 months required<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 24% of revolving credit utilized |
| 304732664 | XXXXXX | XXXXXX | PA | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Property Valuations | Appraisal | Satisfied D | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | FSD score is a .26. Per Guidelines for XXX AVM, FSD score not to exceed .13, provide enhanced desk review, field review, or second appraisal. | 6-30-25: Client uploaded a CDA. | 6-30-25: Clayton reviewed the CDA done 6-10-25 with value of $XXX, value is supported. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 716 exceeds the minimum of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Back XXXXXX6 months reserves, 6 months required<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 24% of revolving credit utilized |
| 304732660 | XXXXXX | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have occupied primary residence for 6 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 54.94% LTV < maximum permitted of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 674 mid score > minimum required of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-closing assets: XXXXXX months PITIA reserves) > minimum required reserves of 0 months PITIA |
| 304732652 | XXXXXX | XXXXXX | MA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 720 is 20 points above the 700 FICO required for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves XXXXXX months; 6 months required. |
| 304732651 | XXXXXX | XXXXXX | MA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 720. G/l min is 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has been 0\*30 mortgage payment history past 36 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are XXXXXX months; 12 months required. |
| 304732644 | XXXXXX | XXXXXX | IN | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 781 exceeds the minimum of 740<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Payment reduced by XXXXXX/month or 9.45%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves XXXXXX months reserves, 3 months required<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: DSCR: 1.4574 XXXXXX |
| 304732642 | XXXXXX | XXXXXX | NY | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Application | Satisfied D | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Missing fraud report for the borrower. Fraud Report in file is for the participants | 7-9-25 Client uploaded lien report, XXX and fraud report participant list. 7-10-25 Client uploaded fraud report. | 7-10-25 Clayton reviewed lien report, XXX and fraud report participant list. Still need full fraud report for borrower - Exception remains. 7-11-25 Clayton reviewed fraud report. Exception satisfied. | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 62.90% is below the maximum of 70%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 672 exceeds the minimum of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves XXXXXX months reserves, 6 months required |
| 304732639 | XXXXXX | XXXXXX | MA | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Active B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing Payment history on subject property lien with XXX from March 2025 to June 2025. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 24.75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 720 is above the required 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves =XXXXXX months. 12 months required. |
| 304732633 | XXXXXX | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 20 months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 60% LTV below guideline requirements of 70% per program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves XXXXXX months; 12 months reserves are required |
| 304732632 | XXXXXX | XXXXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 70% is below the maximum of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 692 exceeds the minimum of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 23.15% is below the maximum of 50%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves XXXXXX months reserves, 3 months required |
| 304732608 | XXXXXX | XXXXXX | NY | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = XXXXXX months. 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 707 is above the required 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 54 months exceeds the required 12 months. |
| 304732607 | XXXXXX | XXXXXX | NY | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4 years living at primary residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 41.20 months of reserves in file. 6 months required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 158 months of 0x30 mortgage history per CBR.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 707 mid-score per CBR. 700 minimum. |
| 304732606 | XXXXXX | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 59.04% and maximum is 70%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 698 and minimum is 660<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has no late payments on any mortgage with 8 year history. |
| 304732602 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Insurance | Satisfied | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Unable to determine that the hazard insurance covers both dwellings, only the XXX address is verified; provide verification that the dwelling with the address XXX has sufficient hazard insurance coverage. | 6-25-25: Client uploaded replacement cost estimate for XXX6-30-25: Client uploaded proof of insurance for XXX and for XXX. | 6-25-25: Clayton reviewed replacement cost estimate for XXX. This is not proof of insurance for XXX; provide proof of insurance for XXX. Exception remains.6-30-2: Clayton reviewed proof of insurance for XXX and for XXX, sufficient coverage. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 85% is below the maximum of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 781 exceeds the minimum of 680<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 0% revolving credit utilized<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 47.05% is below the maximum of 50%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves XXXXXX months reserves, 6 months required |
| 304732600 | XXXXXX | XXXXXX | MD | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Property Valuations | Property | Active B | PRVAPROP241 | Property Type unacceptable under guidelines | No | Condo is an established project with 78 of 80 reported as rental per condo questionnaire. Guidelines state 40% of the total units in the project must be owner occupied. Lender approved exception in file.Clayton deems non-material/non-fatal due to the following compensating factors: LTV 38.13/75% maximum, Credit score 763/660 minimum, and 81.78 months cash reserves/6 months required. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 38.13 is below guideline requirement max of 75.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 763 exceeds guideline requirement of 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of XXXXXX months PITI reserves exceed guideline required reserves of (XXXXXX). |
| 304732598 | XXXXXX | XXXXXX | NY | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Assets | Satisfied D | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Missing copy of EMD check #XXX for $31,000. | 8-7-25 Client uploaded certification from attorney regarding receipt of EMD. | 8-8-25 Clayton reviewed attorney certification of EMD receipt on 5-1-25. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; guidelines allow 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 817 is above minimum of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have50 months mortgage payment history 0x30 exceeding the guideline requirement of 1x30x12. |
| 304732589 | XXXXXX | XXXXXX | CT | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $XXXX, 107.73 months reserves, 6 months required<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 60% is below the maximum allowed of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 740 exceeds the minimum of 660<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: DSCR: 1.4815 (Rents $XXX/ Expenses $XXXXXX)<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 3% of revolving credit utilized |
| 304732588 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 35.74% is 7.26% below the 43% allowed for the program.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 5 years 2 months at current job.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has a credit line usage ratio of 1.67%. |
| 304732583 | XXXXXX | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 79.93% is below the maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 711 exceeds the minimum of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves XXXXXX months reserves, 0 months required<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 24 months reviewed for primary residence mtg exceeds the 12 months required |
| 304732574 | XXXXXX | XXXXXX | NY | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 754 mid-score per CBR. 660 minimum.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 15 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 37.80 months of reserves in file. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 60.06% LTV per review; 75% LTV is maximum allowed per guidelines. |
| 304732566 | XXXXXX | XXXXXX | ID | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | Right of Rescission | Satisfied B | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | Disbursement date on final CD XXX is before end of statutory rescission period on ROR is XXX. Final CD dated XXX in file indicates borrower confirmed receipt XXX via e-signature. Provide proof borrower confirmed receipt XXX or PCCD with revised disbursement date, | 7.15.25-Client provided new CD issued XXX. signed XXX. Satisfied. | 7.15.25- Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 6 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current place of employment for 8 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 8 years. |
| 304732566 | XXXXXX | XXXXXX | ID | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | Right of Rescission | Satisfied B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Disbursement date on final CD XXX is before end of statutory rescission period on ROR is XXX. Final CD dated XXX in file indicates borrower confirmed receipt XXX via e-signature. Provide proof borrower confirmed receipt XXX or PCCD with revised disbursement date, | 7.15.25-Client provided new CD issued XXX. signed XXX Satisfied. | 7.15.25- Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 6 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current place of employment for 8 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 8 years. |
| 304732560 | XXXXXX | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves XXXXXX months reserves, 0 months required<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 80% is below the maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 711 exceeds the minimum of 700 |
| 304732557 | XXXXXX | XXXXXX | MN | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 670 mid-score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 59 months of 0x30 mortgage and rental history per CBR and VOR in file.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 6.29 months of reserves in file. |
| 304732541 | XXXXXX | XXXXXX | AL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 718. G/l min is 660<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 17% consumer credit utilization in file<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 92 months exceeds the required 12 months. |
| 304732538 | XXXXXX | XXXXXX | NY | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 17 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 770 exceeds the guideline program minimum of 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV below guideline requirements of 85% per program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves XXXXXX months; no reserves required. |
| 304732536 | XXXXXX | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 x49 months (consecutive payment histories) > maximum permitted of 1x30 x12 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: Consumer debt: 0x30 x greater than 99 months |
| 304732534 | XXXXXX | XXXXXX | CO | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Income/Employment | Satisfied | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Lease is signed by and rental payments made to XXX. Provide verification of relationship between XXX and XXX and any fees paid to XXX for property management. | 7-3-25: client uploaded copy of Operating agreement for XXX. | 7-3-25: Clayton reviewed copy of Operating agreement for XXX, it confirms XXX is 100% owner of XXX. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 46 months ITIA is 40 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 695 is 35 points above the 660 FICO required for the program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 4 years at current residence. |
| 304732526 | XXXXXX | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing income documentation to confirm DTI; loan is pending ATR/QM status; when status is determined, it will be Non QM: Lender documented all ATR UW factors. | 7-3-25: client uploaded new tape for Noni 5.15.25 guidelines. | 7-3-25: Clayton reviewed and corrected system with updated tape for XXX noni guidelines. File contains 1 month rental income verification as required by guidelines. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 774 exceeds the minimum of 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves XXXXXX; 12 months required.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 20% of revolving credit utilized |
| 304732526 | XXXXXX | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Credit | Application | Satisfied D | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Missing documentation clearing borrower's name from EPLS list verified on the Fraud Report | 7-2-25: Client uploaded copy of SAM search to clear borrower name from EPLS list. | 7-2-25: Clayton reviewed copy of SAM search to clear borrower name from EPLS list. Exception cleared. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 774 exceeds the minimum of 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves XXXXXX; 12 months required.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 20% of revolving credit utilized |
| 304732526 | XXXXXX | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Credit | Income/Employment | Satisfied D | CRDINC3204 | Income Documentation Missing | No | Missing documentation of receipt of the most recent 2 months rental income for XXX. Per guidelines 1.7.5.4.15, properties qualifying using lease requires recent receipt of 2 months income | 7-1-25: Client email: Our guides DO NOT say we need 2 month proof of rent receipt for other investment property. Below is the guideline to calculate income. Per our company policy we use the guidelines that pertain to the day loan was locked. This loan was locke on XXX there for XXX guidelines have been used. The underwriter marked the wrong guidelines in system.7-3-25: Client uploaded new tape for XXX noni guidelines. | 7-2-25: Clayton email to client on XXX: I have reviewed the file and your email. The file tape loaded from you indicates the guidelines are non-QHEM XXX which requires 2 months and the guidelines you indicate in your email with 1 month required are from non-QHEM XXX. We will review the file using non-QHEM XXX with an uploaded tape for the file.Please update the tape and let me know when you have done so and I will review using the updated guidelines. Exception remains.7-3-25: Clayton reviewed and corrected system with updated tape for XXX noni guidelines. File contains 1 month rental income verification as required by guidelines. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 774 exceeds the minimum of 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves XXXXXX; 12 months required.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 20% of revolving credit utilized |
| 304732518 | XXXXXX | XXXXXX | VA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 761 exceeds the minimum of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 25.42% is below the maximum allowed of 50%<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 19% of revolving credit utilized<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash back XXXXXX months reserves, 6 months required |
| 304732515 | XXXXXX | XXXXXX | TX | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | Assets | Active B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Reserves of 5.77 months PITI is less than the minimum 6 months PITI reserves required. | 7-11-25 Client uploaded approved exception. | 7-14-25 Clayton reviewed loan and deems non-material/non-fatal to lending decision due to small shortage of $647.49 and the following compensating factors: credit score of 720/660 minimum, borrower has 10 years at current residence, and LTV of 70%/75% maximum. Non-material exception remains. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 10 years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below the maximum allowable of 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 720 is 60 points above the 660 FICO required for the program. |
| 304732511 | XXXXXX | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 696 Credit score of 696 is 36 points above minimum program requirement of 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves XXXXXX months; no reserves required.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has used only 3% of available credit. |
| 304732504 | XXXXXX | XXXXXX | WI | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 11% consumer credit utilization in file<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are XXXXXX months, no reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 669 and minimum is 660 |
| 304732503 | XXXXXX | XXXXXX | OH | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 5 years and 1 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 783 exceeds the guideline program minimum of 720.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves XXXXXX months; 12 months reserves required. |
| 304732492 | XXXXXX | XXXXXX | TX | (No Data) | ATR/QM: Exempt D C | A | A D C | A | A | Credit | Assets | Satisfied D | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Guidelines require that the gift letter provide the dollar amount of the gift. File contained 2 gift letters: one for $XXXXXX and an updated one for $XXXXXX and $XXXXXX for EMD.Wire from donor to settlement agent was for $XXXXXX. Provide updated gift letter reflecting $XXXXXX + $XXXXXX EMD coming from XXX XXX/XXX. | 7-17-25 Client uploaded gift letter. | 7-17-25 Clayton reviewed gift letter. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 74.17 is below guideline max of 75% due to 100% gift funds.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves XXXXXX9 months PITI reserves exceed guideline required reserves of $0.00.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 804 exceed guideline requirement of 700.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower Credit Usage Ratio of 0.00 indicates a minimal use of credit. |
| 304732492 | XXXXXX | XXXXXX | TX | (No Data) | ATR/QM: Exempt D C | A | A D C | A | A | Property Valuations | FEMA | Satisfied | PRVAFEMA217 | Natural Disaster Area, no subsequent inspection (Individual) | No | Provide inspection for the following FEMA Disaster "Severe Storms, Straight-line Winds, and Flooding" Declaration #XXXXXX, declared XXX PDI Ordered pending arrival | (No Data) | 7-22-25 Clayton reviewed PDI dated XXX which reflects no damage. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 74.17 is below guideline max of 75% due to 100% gift funds.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves XXXXXX9 months PITI reserves exceed guideline required reserves of $0.00.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 804 exceed guideline requirement of 700.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower Credit Usage Ratio of 0.00 indicates a minimal use of credit. |
| 304732492 | XXXXXX | XXXXXX | TX | (No Data) | ATR/QM: Exempt D C | A | A D C | A | A | Property Valuations | FEMA | Satisfied | PRVAFEMA4817 | Natural Disaster Area, Subseq inspect prior to Disaster (Individual & Public) | No | Provide inspection for the following FEMA Disaster "Severe Storms, Straight-line Winds, and Flooding" Declaration #XXXXXX, declared XXX PDI Ordered pending arrival | (No Data) | 7-22-25 Clayton reviewed PDI dated XXX which reflects no damage. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 74.17 is below guideline max of 75% due to 100% gift funds.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves XXXXXX9 months PITI reserves exceed guideline required reserves of $0.00.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 804 exceed guideline requirement of 700.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower Credit Usage Ratio of 0.00 indicates a minimal use of credit. |
| 304732490 | XXXXXX | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 74.17 is below guideline max of 75% due to 100% gift funds.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves XXXXXX9 months PITI reserves exceed guideline required reserves of $0.00.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 804 exceed guideline requirement of 700.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower Credit Usage Ratio of 0.00 indicates a minimal use of credit. |
| 304732483 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 731 is above guideline program minimum of 680.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has worked in the same line of work for the past 20 years and 3 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at the same residence for the past 20 years and 3 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 45.09% is below the minimum program requirement of 50%. |
| 304732481 | XXXXXX | XXXXXX | TN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has a credit line usage ratio of 2.18%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 8 years 2 months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 773 is 73 points above the 700 FICO required for the program. |
| 304732477 | XXXXXX | XXXXXX | MD | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 742 exceeds the guideline program minimum of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves XXXXXX; 6 months reserves required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 51 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 304732473 | XXXXXX | XXXXXX | NY | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Back XXXXXX months reserves, 6 months required<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: DSCR: 1.9788 (Rent XXXXXX / Expenses XXXXXX)<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 779 exceeds minimum of 700 |
| 304732467 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 769 and minimum is 660<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80% and maximum is 85%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 47.51% and maximum allowed is 50% |
| 304732464 | XXXXXX | XXXXXX | VA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower is utilizing less than 1% of possible credit borrowing.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 13.83 on max 50<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 9 years in profession with consistent earnings |
| 304732460 | XXXXXX | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 25 years<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 3% consumer credit utilization in file<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage related occurrences |
| 304732457 | XXXXXX | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 768 is 48 points above minimum program requirement of 720.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 43.31 is below the guideline max of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 85%; guidelines allow 90%. |
| 304732455 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide 12 month rental history reflecting paid as agreed, per guidelines. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80 is below guideline max of 90.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 810 exceeds guideline requirement of 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 41.28 is below guideline requirement max of 50.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reservesXXXXXX, 12.59 months; 6 months required.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower credit usage of .75% reflects minimal use of available credit. |
| 304732454 | XXXXXX | XXXXXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | Documentation | Active B | CMPDOC5556 | Note P&I doesn't equal Clayton's calculated P&I; payment schedule inaccuracy | No | Note P&I is $1741.36 but is simple interest per addendum. Calculated P&I is $1740.51 The P&I on the last CD in file issued XXX is $1741.56 and the Note states a P&I of $1741.36. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 80% is below the maximum of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 726 exceeds the minimum of 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves XXXXXX months reserves, 6 months required<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 28.24% is below the maximum of 43% |
| 304732454 | XXXXXX | XXXXXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | State Consumer Protection | Active B | CMPSTCP1151 | SC Home Loans - Broker 'Amounts Earned' Disclosure not in file | No | Provide SC Broker Amounts Earned Disclosure | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 80% is below the maximum of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 726 exceeds the minimum of 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves XXXXXX months reserves, 6 months required<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 28.24% is below the maximum of 43% |
| 304732454 | XXXXXX | XXXXXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | State Consumer Protection | Active B | CMPSTCP1159 | SC Home Loans - Designated Agency Disclosure not in file | No | Provide SC Designated Agency Disclousre. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 80% is below the maximum of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 726 exceeds the minimum of 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves XXXXXX months reserves, 6 months required<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 28.24% is below the maximum of 43% |
| 304732454 | XXXXXX | XXXXXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Provide Final CD. | 7.21.25-Client provided CD issued XXX. signed XXX as Final. The change from Actual to Simple Int on final CD. Satisfied. | 7.21.25-Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 80% is below the maximum of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 726 exceeds the minimum of 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves XXXXXX months reserves, 6 months required<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 28.24% is below the maximum of 43% |
| 304732454 | XXXXXX | XXXXXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B | CMPTRID4027 | TRID - CD: The P&I Payment on the Loan Terms section of Final Closing Disclosure does not match the initial Note P&I | No | The P&I on the last CD in file issued XXX is $1741.56 and the Note states a P&I of $1741.36. Note has a simple interest addendum. | 7.21.25-Client provided CD issued XXX. signed XXX as Final. Satisfied. | 7.21.25-Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 80% is below the maximum of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 726 exceeds the minimum of 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves XXXXXX months reserves, 6 months required<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 28.24% is below the maximum of 43% |
| 304732454 | XXXXXX | XXXXXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Credit | Terms/Guidelines | Active B | CRDTER4643 | Borrower does not meet guideline requirements | No | Per Non-QHEM Premier guidelines, borrower is to contribute 5% of their own funds towards the transaction. Borrower received 100% gift for funds to close and EMD. Clayton considers this non material as borrower has over 5% verified, with lower LTV of 80/90%, a credit score of 726/680, and DTI of 28% below the guideline maximum of 43%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 80% is below the maximum of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 726 exceeds the minimum of 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves XXXXXX months reserves, 6 months required<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 28.24% is below the maximum of 43% |
| 304732447 | XXXXXX | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 14 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves XXXXXX months; no reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 698 and minimum is 660 |
| 304732440 | XXXXXX | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 19 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves XXXXXX months; 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 764 and minimum is 660 |
| 304732435 | XXXXXX | XXXXXX | IN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 4 years 11 months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 766 is 66 points above the 700 FICO required for the program.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 85% is 5% below the 90% LTV allowed for the program. |
| 304732432 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide Initial CD with proof of receipt at least 3 business days prior to closing. | 7.23.25-Client provided CD issued XXX. Satisfied. | 7.23.25- Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO 796 exceeds minimum 680 required<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75% below max allowed 85%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 30.81 is below guideline max of 50% |
| 304732432 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide Initial CD with proof of receipt at least 3 business days prior to closing. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO 796 exceeds minimum 680 required<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75% below max allowed 85%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 30.81 is below guideline max of 50% |
| 304732432 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B | CMPTRID3966 | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | CD XXX Loan disclosures - Escrow account - The Will Not Have an Escrow Account is selected - neither You declined it and/or Your lender does not offer one are selected. | 7.24.25-Client provided revised CD issued XXX now including a selection for Escrow section. Provide non-numeric (no figures change) PCCD including a selection for You declined it or Your lender does not offer one.7.28.25-Client provided PCCD issued XXX, including a selection for You declined it or Your lender does not offer one. Satisfied. | 7.28.25-Satisfied. | Non-Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO 796 exceeds minimum 680 required<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75% below max allowed 85%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 30.81 is below guideline max of 50% |
| 304732432 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Provide Initial CD with proof of receipt at least 3 business days prior to closing. | 7.23.25-Client provided CD issued XXX. Satisfied. | 7.23.25- Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO 796 exceeds minimum 680 required<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75% below max allowed 85%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 30.81 is below guideline max of 50% |
| 304732419 | XXXXXX | XXXXXX | MD | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Application | Satisfied D | CRDAPP2658 | Missing 3rd-party anti-fraud report | No | Missing evidence of XXX. being cleared for EPLS watchlist alert. | 7-9-25 Client replied: Uploaded LDP showing alert cleared7-11-25: client uploaded additional information showing how alert was cleared. | 7-10-25 Clayton reviewed fraud report uploaded which reflects client cleared alert, however we need evidence of how alert was cleared. Exception remains. 7-11-25: Clayton review uploaded additional information on how alert was cleared. The information confirms the business on the fraud alert is not the subject business, subject business is in Maryland, business on fraud alert is in California. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 692 is above the required 660.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 2.01%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 35 months exceeds the required 12 months. |
| 304732411 | XXXXXX | XXXXXX | TX | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | LTV/CLTV | Active B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Unleased property refinances guideline of max LTV is 70%. 2-4 Unit properties: 50% or greater vacancy is considered unleased. Subject property is a 2 unit with file verification of only one unit rented at time of closing. Loan closed at 75% LTV.Clayton deems non-material/non-fatal to lending decision with the following compensating factors: credit score 742/700 minimum, 12.66 months cash reserves/12 months required, and 16 months mortgage history/12 months required. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 742 is 42 points above minimum program requirement of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has XXXXXXPITIA which is > guideline minimum of 12 months PITIA due to less than 6 months ownership.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has 0x30x16 mortgage payment history above guideline min of <1x30x12. |
| 304732411 | XXXXXX | XXXXXX | TX | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Terms/Guidelines | Active B | CRDTER4643 | Borrower does not meet guideline requirements | No | Borrower has less than 6 months ownership and loan has 2 credit exceptions. Guidelines state No credit exceptions are allowed. Clayton deems non-material/non-fatal to lending decision with the following compensating factors: credit score 742/700 minimum, 12.66 months cash reserves/12 months required, and 16 months mortgage history/12 months required. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 742 is 42 points above minimum program requirement of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower hasXXXXXX6 PITIA which is > guideline minimum of 12 months PITIA due to less than 6 months ownership.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has 0x30x16 mortgage payment history above guideline min of <1x30x12. |
| 304732411 | XXXXXX | XXXXXX | TX | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Property Valuations | Appraisal | Active B | PRVAAPPR4789 | Appraisal Deficiency | No | Guidelines state that a transferred appraisal is not allowed when property is owned less than 6 months. Clayton deems non-material/non-fatal to lending decision as there is a transfer letter in file from the broker and the following compensating factors: credit score 742/700 minimum, 12.66 months cash reserves/12 months required, and 16 months mortgage history/12 months required. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 742 is 42 points above minimum program requirement of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has XXXXXX PITIA which is > guideline minimum of 12 months PITIA due to less than 6 months ownership.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has 0x30x16 mortgage payment history above guideline min of <1x30x12. |
| 304732410 | XXXXXX | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 23 years 2 months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 784 is 64 points above the 720 FICO required for the program.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 5 years 6 months at current job.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 30.55% is 19.45% below the 50% allowed for the program. |
| 304732409 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 57.79% is below the maximum of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 720 exceeds the minimum of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 27.57% DTI is below the maximum of 50%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves XXXXXX, PITI XXXXXX6 months reserves, 12 months required<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Payment reduced by XXXXXX7/month or 17.54% |
| 304732406 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 756 is 36 points above minimum program requirement of 720.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has used only 15% of available credit.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has XXXXXX PITIA which is > guideline minimum of 9 months PITIA. |
| 304732403 | XXXXXX | XXXXXX | MD | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | DTI | Satisfied D | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing Final CD for refinance on property at XXX to verify PITI is $1,251.00\*1008 reflects 2 pak, and 1003 shows mortgage with PITI $1,251.00 - nothing in file to verify | 7-22-25: client uploaded final CD for refinance on XXX. | 7-22-25: Clayton reviewed final CD for refinance on XXX. Final PITIA is $1453.53, not $1251. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at primary residence for 19+ years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 820 FICO exceeds minimum 720<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves XXXXXX months; LTV less than 75% - No reserves required |
| 304732403 | XXXXXX | XXXXXX | MD | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Insurance | Satisfied | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Missing current hazard insurance. Hazard effective date XXX. Disbursement date XXX | 7.23.25 Previous HOI uploaded7.23.25 exception satisfied | 7.23.25 exception satisfied | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at primary residence for 19+ years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 820 FICO exceeds minimum 720<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves XXXXXX months; LTV less than 75% - No reserves required |
| 304732398 | XXXXXX | XXXXXX | GA | (No Data) | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | Credit | Terms/Guidelines | Satisfied | CRDTER4643 | Borrower does not meet guideline requirements | No | Missing documentation supporting borrower is not a first time homebuyer. Fraud report does not verify any real estate owned however 1003 states owns XXX | 7-23-25 Client relied: See attached recorded deed & property profile showing borrower as the owner. | 7-24-25 Clayton reviewed Deed and property report. Exception satisfied. | (No Data) | Not Applicable | CFCFS1750: High potential for increased earnings<br> - Clayton Comments: DSCR: 2.1248 (Rent $XXXXXX / Expenses XXXXXX)<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 783 exceeds the minimum of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves XXXXXX months reserves, 0 months required |
| 304732398 | XXXXXX | XXXXXX | GA | (No Data) | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | Property Valuations | Appraisal | Satisfied D | PRVAAPPR275 | Completed "Subject To" w/o Completion Cert in File | No | Missing recorded survey supporting lot size reduced from 2.14 acres to .91 acres. Appraisal completed subject to the updated survey | 7-23-25 Client emailed: Please see comment from title when we requested the recorded survey..please review and advise if this will clear our condition.7-29-25 Client replied: Please see updated appraisal report. | 7-24-25 Clayton reviewed file and responded: Can you have the appraisal updated to reflect as is, this will clear the exception.The Tax accessors report attached to the appraisal indicates XXXXXX acres so I am not sure where the XXXXXX acres came from. Exception remains. 7-31-25 Clayton reviewed updated appraisal which is as is with site at XXXXXX or XXXXXX. Exception satisfied. | (No Data) | Not Applicable | CFCFS1750: High potential for increased earnings<br> - Clayton Comments: DSCR: 2.1248 (Rent $XXXXXX / Expenses $XXXXXX)<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 783 exceeds the minimum of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $XXXXXX, 4.25 months reserves, 0 months required |
| 304732390 | XXXXXX | XXXXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 780 is 80 points above minimum program requirement of 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; guidelines allow 85%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers have only used 4% of available credit. |
| 304732615 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance fail for $75. LE XXX shows appraisal fee of $1000.00. Final CD XXX shows appraisal fee of $1075.00. No documentation provided disclosing increase in fee. Please provide Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation to cure. | 7.29.25-Client provided copy of tolerance check & tracking info, PCCD issued XXX, LOX. Satisfied. | 7.29.25-. Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 41.67% LTV is below the maximum of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 728 exceeds the minimum of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 5.6141% is below the maximum of 50%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $XXXXXX, 127.09 months reserves, 0 months required |
| 304732384 | XXXXXX | XXXXXX | TN | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 1% consumer credit utilization in file<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 806. 700 minimum.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $XXXXXX or 59.35 months piti reserves. 3 months required. |
| 304732386 | XXXXXX | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 730 mid-score per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 81.81 months of reserves in file.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 consumer credit history since 9/2019 per CBR. |
| 304732381 | XXXXXX | XXXXXX | TN | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 684 is 24 points above the 660 FICO required for the program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 3 years at current residence. |

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## Exhibit 99.14

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.14**

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| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Loan Compliance Grade** | **Final Securitization Loan Compliance Grade** | **Initial S&P Loan Compliance Grade** | **Final S&P Loan Compliance Grade** | **Did Lender Acknowledge Exception at Origination** |
| 304732674 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 304732672 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A C B | A | A | Yes |
| 304732670 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 304700028 | XXXXXX | N/A | XXXXXX | XXXXXX D B | N/A | N/A D B | N/A | N/A | Not Applicable |
| 304732664 | XXXXXX | N/A | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A | Not Applicable |
| 304732660 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 304732652 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 304732651 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 304732644 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 304732642 | XXXXXX | N/A | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A | Not Applicable |
| 304732639 | XXXXXX | N/A | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A | No |
| 304732633 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 304732632 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 304732608 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 304732607 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 304732606 | XXXXXX | N/A | XXXXXX | XXXXXX | A | A | A | A | No |
| 304732602 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | Not Applicable |
| 304732600 | XXXXXX | N/A | XXXXXX | XXXXXX B | A | A B | A | A | Yes |
| 304732598 | XXXXXX | N/A | XXXXXX | XXXXXX D | A | A D | A | A | No |
| 304732597 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 304732589 | XXXXXX | N/A | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 304732588 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 304732583 | XXXXXX | N/A | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 304732574 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 304732566 | XXXXXX | Yes | XXXXXX | XXXXXX B | C | B C A | C | B | No |
| 304732560 | XXXXXX | N/A | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 304732557 | XXXXXX | N/A | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 304732541 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 304732538 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 304732536 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 304732534 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A | Not Applicable |
| 304732526 | XXXXXX | Yes | XXXXXX | XXXXXX D | D | A D | D | A | Not Applicable |
| 304732518 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 304732515 | XXXXXX | N/A | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A | Not Applicable |
| 304732512 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 304732511 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 304732504 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 304732503 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 304732492 | XXXXXX | N/A | XXXXXX | XXXXXX D | A | A D C | A | A | No |
| 304732490 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 304732483 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 304732481 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 304732477 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 304732473 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 304732467 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 304732466 | XXXXXX | N/A | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 304732464 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 304732460 | XXXXXX | N/A | XXXXXX | XXXXXX | A | A | A | A | No |
| 304732457 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 304732455 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A | No |
| 304732454 | XXXXXX | Yes | XXXXXX | XXXXXX B | C | B C A | C | B | Not Applicable |
| 304732447 | XXXXXX | N/A | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 304732440 | XXXXXX | N/A | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 304732435 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 304732432 | XXXXXX | Yes | XXXXXX | XXXXXX D B | D | B D A | D | B | No |
| 304732419 | XXXXXX | N/A | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A | No |
| 304732411 | XXXXXX | N/A | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A | No |
| 304732410 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 304732409 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 304732406 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 304732403 | XXXXXX | N/A | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 304732398 | XXXXXX | N/A | XXXXXX | XXXXXX D | N/A | N/A D C | N/A | N/A | Not Applicable |
| 304732396 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 304732390 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 304732615 | XXXXXX | Yes | XXXXXX | XXXXXX B | C | B C A | C | B | Not Applicable |
| 304732384 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 304732386 | XXXXXX | N/A | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 304732381 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |

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## Exhibit 99.15

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.15**

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| *Loans in Report:* | *68* |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |  |
| **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance %** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **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** | **Report Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **CU / LCA Score** | **Valuation Comments** |
| 304732674 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -7.14% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304732672 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| 304732670 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304700028 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -12.88% | Clear Capital | 21.000 | 79.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 |  |
| 304732664 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 7.26% | Clear Capital | 26.000 | 74.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304732660 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304732652 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 |  |
| 304732651 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 |  |
| 304732644 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |
| 304732642 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304732639 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| 304732633 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304732632 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |
| 304732608 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304732607 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304732606 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304732602 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304732600 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304732598 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304732597 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |
| 304732589 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304732588 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 |  |
| 304732583 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |
| 304732574 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |
| 304732566 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |
| 304732560 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 |  |
| 304732557 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 4.88% | Clear Capital | 3.000 | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |  |
| 304732541 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |  |
| 304732538 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304732536 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| 304732534 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.7 |  |
| 304732526 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |  |
| 304732518 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |
| 304732515 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -9.19% | Clear Capital | 4.000 | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304732512 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 |  |
| 304732511 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -11.95% | Clear Capital | 15.000 | 85.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 304732504 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable | XXXXXX | XXXXXX | XXXXXX | 16.20% | Clear Capital | 4.000 | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 304732503 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |
| 304732492 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304732490 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |  |
| 304732483 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Full Appraisal |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304732481 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304732477 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304732473 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 |  |
| 304732467 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304732466 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |
| 304732464 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 |  |
| 304732460 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  | 1 |  |
| 304732457 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| 304732455 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -3.60% | Clear Capital | 6.000 | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |
| 304732454 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |
| 304732447 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable | XXXXXX | XXXXXX | XXXXXX | -6.99% | Clear Capital | 5.000 | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304732440 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304732435 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304732432 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |
| 304732419 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304732411 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304732410 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.54% | Full Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |
| 304732409 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | -1.12% | Full Appraisal | XXXXXX | XXXXXX | XXXXXX | -10.19% | Clear Capital | 4.000 | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  |
| 304732406 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |  |
| 304732403 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -6.10% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 304732398 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304732396 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 2.61% | Clear Capital | 4.000 | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |  |
| 304732390 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304732615 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304732384 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304732386 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 |  |
| 304732381 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |

---

## Exhibit 99.16

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.16**

**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 residential mortgage loans acquired by JPMorgan Chase Bank, National Association ("Client"), through a bulk purchase. The review included a total of eight hundred thirty-four (834) residential mortgage loans, in connection with the securitization identified as JPMMT 2025-NQM4 (the "Securitization"). The review was conducted from April 2024 through September 2025 on mortgage loans originated between March 2024 and August 2025.

**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)** **Credit Documentation:** A review of the documentation underlying the credit decision was performed
 to determine sufficiency for consideration in the Credit Review. The Credit Documentation
 review consisted of the following:

○ **Loan Application:** Complete loan application is present in the loan file for all borrowers/guarantors;

○ **Credit Report:** Credit Report in file for all borrowers and meets guideline seasoning requirements and contains OFAC clearance;

○ **Income Documentation / Lease Agreements:** Confirmation of the presence of income documentation in the loan file when required by lender or Client specified underwriting guidelines. For rental properties where existing leases are required to be verified, verify their presence and sufficiency for purpose based on underwriting guideline standards;

○ **Asset Documentation:** Confirmation of presence of asset documentation requirements relative to loan type and guideline requirements for verification of closing funds and reserves;

○ **Borrower/Guarantor Identification:** Verify that the file contains a copy of a government issued identification verification for each borrower (i.e. driver's license, state ID, passport);

○ **Insurance Certificate:** Verify that the loan file contains a copy of the hazard insurance certificate for the subject property and that flood insurance is also documented when required;

○ **Property Valuation:** Confirm the presence of a complete appraisal report and supporting secondary independent estimate of value;

○ **Commercial Borrower Organizing Documentation:** Confirm the presence an Operating Agreement, Bylaws, related amendments and filings or other organizing and operating documentation relative to the commercial borrower entity;

○ **Articles of Incorporation/Certificate of Formation:** Confirm that each loan file contains a copy of the Articles of Incorporation establishing registration within the state of operation;

○ **Certificate of Good Standing:** Confirm that each borrowing entity is active in the state of registration by confirming the presence of a web print out or certification of good standing for the state is in the file;

○ **Borrower Authority / Consent of Members:** Confirm that the loan file contains evidence that the individual executing the loan agreements has been given signing authority on behalf of the borrowing entity.

&nbsp;&nbsp;&nbsp;&nbsp;**(b)** **Legal Documentation:** A review of the documentation required to secure the lender's
 interest in the loan and the borrower(s)' obligations thereunder was conducted
 with the purpose of validating their presence in the mortgage loan file and sufficiency
 of execution:

○ **Note/Loan Agreement/Security Instrument/Extension:** Verification of the presence of the note, loan agreement or security instrument as applicable and that the agreement is properly executed by all parties. Confirm that all applicable allonges or addenda to the note are evidenced in the loan file and duly executed by all responsible parties. If the subject loan has reached or is nearing maturity confirm that an extension agreement is present and duly executed by all required parties;

○ **Mortgage/Deed of Trust/Assignment of Rents:** Verify that a mortgage or deed of trust is in file and is duly executed and notarized and that it contains all applicable riders including an assignment of rents;

○ **Power of Attorney:** If closing docs are executed by a POA confirm that the POA complies with all applicable underwriting and legal requirements including those for timing, form, authority and execution;

○ **Personal Guaranty:** Verify that the requisite individual ownership percentage of a commercial entity borrower as stipulated within Client or lender underwriting guidelines has provided a personal guaranty for the loan;

○ **Affidavit of Commercial Purpose/Occupancy Certification:** Verify that each file contains a borrower statement verifying that the loan is for commercial purpose and that the subject property will not be owner occupied;

○ **Title Policy:** Confirmation that the file contains evidence of title insurance and that the title is free from material defects that could affect lien position;

○ **Deed for Conveyance of Title:** Confirm that the applicable Grant or Warranty Deed is evidenced in the loan file and properly conveys interest in the subject property;

○ **Purchase Contract:** If applicable, confirm the presence of a valid and executed Purchase and Sale Agreement along with any counter offers and modified terms of sale;

○ **Settlement Statement:** As applicable based on loan type and origination date, confirm the presence of a final settlement statement in the mortgage loan file.

&nbsp;&nbsp;&nbsp;&nbsp;**(c)** **Guidelines:** The underwriting guidelines as specified by Client served as the criteria under which
 each loan qualification review took place. Qualification criteria includes:

○ **Borrower/Guarantor Eligibility:** Review each borrower to ensure that they meet eligibility requirements of underwriting guidelines;

○ **Assets:** Validate that the mortgage loan file contains adequately qualified verification of assets to meet underwriting standards;

○ **Debt-Service Coverage Ratios "DSCR":** With respect to DSCR loans, calculate the debt-service coverage ratio to ensure it meets minimum guideline standards;

○ **Credit History:** Review the borrower credit reports and any supplemental credit history documentation to verify whether the borrower met guideline requirements;

○ **Credit Scores:** Review each borrower/guarantor credit report to validate that the credit score used in qualification is accurate and whether it meets minimum loan qualification and underwriting standards as specified in the underwriting guidelines;

○ **Occupancy:** Confirm that the occupancy of the subject property used for qualification of the loan is accurate and compliant with guideline requirements. For business purpose and investment loans, verify the presence of a borrower executed affidavit confirming the commercial/business purpose of the loan and ensure that no other documentation in the loan file indicates the subject property is being used for non-business purposes;

○ **Loan-to-Value Ratios:** Recalculate the Loan-to-Value Ratio utilizing the Purchase Contract, Property Valuations and/or Loan Agreements to determine whether initial, as-is and as-repaired LTV and CLTV meet loan qualification and underwriting guideline standards based on the calculation methods set forth in underwriting guidelines;

○ **Insurance:** Confirm the adequacy of hazard insurance coverage and that premiums are included in PITI calculations. If required based on flood zone, confirm the presence and adequacy of flood insurance coverage and that premiums are included in PITI calculations;

○ **Compensating Factors:** Review and validate any compensating factors used in the qualification of the loan and in consideration of loan level underwriting guideline exceptions;

○ **Letters of Explanation:** Confirm the presence of Letters of Explanation (LOX) where required per underwriting guidelines and that each such LOX adequately addresses the eligibility scenario under question;

○ **Exception Approvals:** Confirm that any exceptions to underwriting guidelines and/or investor guideline overlays were fully documented, properly approved, and supported;

○ **Misrepresentation / Fraud Review:** Validate that an independent third-party fraud report was obtained for each guarantor when required by underwriting guidelines and that red flags on third party fraud reports have been reviewed.

**QM or ATR Validation / Review of 8 Key Underwriting Factors**

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

● Validate borrower(s) monthly gross income

● Validate funds required to close, required reserves

● Review file documentation for required level of income and asset verifications

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

● Review file documentation for required level of employment

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

● Confirm program, qualifying rate, terms

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

● 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.

● Validate subject loan monthly payment (PITI) and associated obligations

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

● Validate monthly recurring liabilities

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

● Validate debt-to-income ratio (DTI) based upon income and debt documentation provided in the file

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

● Review credit report for credit history and required credit depth including any / all inquiries

● 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. In relation to cash out refinances of investment property loans, documentation provided in the loan file will be reviewed only to validate the use of cash out proceeds for business purposes at the origination/consummation of the loan. In the event use of proceeds cannot be validated, or are deemed to be utilized for consumer purposes, the loan would then be subject to a "Compliance

Review" of 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;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirm
 a full three (3) day rescission period was provided to the borrower(s)

&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 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 and all additional property valuation documentation to determine whether
 source, format and type meet program and guideline eligibility requirements, and that
 property is in "average" condition or better. If the property requires cosmetic
 improvements (as defined by the appraiser), confirm that they do not affect habitability.

&nbsp;&nbsp;&nbsp;&nbsp;b. As
 applicable, assess rental income schedules

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;m. As
 applicable, assess rental income schedules

&nbsp;&nbsp;&nbsp;&nbsp;n. 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;o. Additional
 valuation products were not required when the CU score provided was 2.5 or below or the
 Federal Home Loan Mortgage Corporation Loan Collateral Advisor appraisal ("LCA")
 risk score was eligible for Collateral Rep and Warranty relief. In the event the CU score
 was greater than 2.5 or the LCA appraisal risk score was not eligible for Collateral
 Rep and Warranty relief, an additional valuation product was obtained to confirm value
 was supported within 10% tolerance. In some instances, based on guidance from the seller,
 CDA's were ordered on loans that had an acceptable CU score or Collateral Rep and
 Warranty relief eligibility.

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-closing valuation review scenario (834 loans in total):

Four hundred fifty-nine (459) loans were supported by a Collateral Underwriter Risk Score of 2.5 or below (CU Score).

Three hundred thirteen (313) loans had a Desktop Review, twenty-nine (29) loans had an AVM, twenty-five (25) had a Field Review, two (2) loans had a BPO, and six (6) loans had a Second Appraisal. Consolidated Analytics has independent access to the Desktop Review ordered by the Aggregator.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or the AVM FSD score did not meet allowable thresholds, then a Desktop Review, Field Review, Broker Price Opinion (BPO) along with a Reconciliation of the value, or a 2nd appraisal was required.

There were zero (0) occurrences of this.

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the eight hundred thirty-four (834) mortgage loans reviewed, two hundred eighty-four (284) unique mortgage loans (34.05% by loan count) had a total of three hundred and eighty (380) tape discrepancies across thirty-three (33) data fields. 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;Application Date | &nbsp;&nbsp;79 | &nbsp;&nbsp;20.79% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;43 | &nbsp;&nbsp;11.32% |
| &nbsp;&nbsp;PITIA | &nbsp;&nbsp;35 | &nbsp;&nbsp;9.21% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;34 | &nbsp;&nbsp;8.95% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;20 | &nbsp;&nbsp;5.26% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;20 | &nbsp;&nbsp;5.26% |
| &nbsp;&nbsp;Street Address | &nbsp;&nbsp;20 | &nbsp;&nbsp;5.26% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;19 | &nbsp;&nbsp;5.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;18 | &nbsp;&nbsp;4.74% |
| &nbsp;&nbsp;P&I | &nbsp;&nbsp;14 | &nbsp;&nbsp;3.68% |
| &nbsp;&nbsp;As-Is Value | &nbsp;&nbsp;12 | &nbsp;&nbsp;3.16% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;10 | &nbsp;&nbsp;2.63% |
| &nbsp;&nbsp;Closing/Settlement Date | &nbsp;&nbsp;10 | &nbsp;&nbsp;2.63% |
| &nbsp;&nbsp;Postal Code | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.84% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.32% |
| &nbsp;&nbsp;Loan Product Type | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.05% |
| &nbsp;&nbsp;Property Units | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.05% |
| &nbsp;&nbsp;LTV | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.05% |
| &nbsp;&nbsp;City | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.79% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.79% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.53% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.53% |
| &nbsp;&nbsp;Monthly Insurance | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.53% |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.26% |
| &nbsp;&nbsp;Closing Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.26% |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.26% |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.26% |
| &nbsp;&nbsp;Borrower Appraisal Receipt Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.26% |
| &nbsp;&nbsp;Monthly Taxes | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.26% |
| &nbsp;&nbsp;Borr Funds to Close - Mos Resrv | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.26% |
| &nbsp;&nbsp;NON QM Months Reserves | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.26% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.26% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.26% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**380** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

After giving consideration to the grading criteria, 13.79% of the loans received an Overall "B" grade and 86.21% of the loans received an Overall "A" grade.

**Final Loan Grades**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Loan Count | Original Principal Balance | Original Principal Balance | Percent of Sample (by loan count) |
| Event Grade A | 719 | 719 | $182041695.00 | $182041695.00 | 86.21% |
| Event Grade B | 115 | 115 | $40177869.50 | $40177869.50 | 13.79% |
| Event Grade C | 0 | 0 | $0.00 | $0.00 | 0% |
| Event Grade D | 0 | 0 | $0.00 | $0.00 | 0% |
| **Total Sample** | 834 | 834 | $222219564.50 | $222219564.50 | 100.00% |
| **Credit Results:** | **Credit Results:** | **Credit Results:** | **Credit Results:** | **Credit Results:** |  |
| Event Grade | Event Grade | Loan Count | Loan Count | Percent of Sample (by loan count) |  |
| Event Grade A | Event Grade A | 729 | 729 | 87.41% |  |
| Event Grade B | Event Grade B | 105 | 105 | 12.59% |  |
| Event Grade C | Event Grade C | 0 | 0 | 0% |  |
| Event Grade D | Event Grade D | 0 | 0 | 0% |  |
| **Total Sample** | **Total Sample** | 834 | 834 | 100.00% |  |
| **Compliance Results (As applicable, 694 loans within population did not receive a Compliance Review)** | **Compliance Results (As applicable, 694 loans within population did not receive a Compliance Review)** | **Compliance Results (As applicable, 694 loans within population did not receive a Compliance Review)** | **Compliance Results (As applicable, 694 loans within population did not receive a Compliance Review)** | **Compliance Results (As applicable, 694 loans within population did not receive a Compliance Review)** |  |
| Event Grade | Loan Count | Loan Count | Percent of Sample (by loan count) | Percent of Sample (by loan count) |  |

---

---

| | | |
|:---|:---|:---|
| Event Grade A | 136 | 92.94% |
| Event Grade B | 4 | 7.06% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 140 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample (by loan count) |
| Event Grade A | 826 | 99.04% |
| Event Grade B | 8 | 0.96% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 834 | 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 Findings | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;82 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Insurance Coverage - Inadequate Coverage | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Deed Missing or Defective | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Missing or Defective | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Entity Documentation - Missing or Defective | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Closing Documentation Missing or Defective | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Closing Disclosure/Settlement Statement Missing or Defective | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Note Missing or Defective | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Gap Credit Report is Missing | &nbsp;&nbsp;6 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;The Final 1003 is Incomplete | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Missing Letter of Explanation (Credit) | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Hazard Insurance Effective Date is after the Disbursement Date | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Insufficient Assets for Reserves | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Title Insurance Missing or Defective | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;DSCR Minimum Not Met | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit Report Missing or Defective | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Appraisal Review - Missing | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;The Note is Incomplete | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Asset Documentation Missing or Defective | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;ATR Risk | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Guaranty Missing or Defective | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Missing Letter of Explanation (Assets) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Guarantor Identification Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Approval/Underwriting Summary Not Provided | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Excessive LTV Ratio | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Closing Protection Letter Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Sales Contract Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Borrower 1 Business Bank Statements Less Than 24 Months Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;The Total Hazard Coverage is LESS than the Required Coverage Amount | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Subject Property Lease - Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 2 Citizenship Documentation not provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 1 Personal Bank Statements Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 2 Executed 4506-T Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property Listed for Sale on Refinance Transaction | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Business Purpose Affidavit/Disclosure Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Trust/POA Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Chain of Title Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Title Coverage is Less than Subject Lien | &nbsp;&nbsp;1 |

---

---

| | | |
|:---|:---|:---|
| | &nbsp;&nbsp;Citizenship Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Borrower 2 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Income documentation does not meet guidelines | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Potential Fraud Reflected on Fraud Report | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Missing letter of explanation | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;The Deed of Trust is Incomplete | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Background Check Missing or Defective | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp; Entity Documentation - Missing or Defective | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Third Party Fraud Report not Provided | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Credit Event – Requirement Not Met | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Title Document Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Borrower 1 Award Letter Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Title issue | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Asset 4 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Asset 5 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Flood Insurance Policy Partially Provided | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Entity Documentation Missing or Defective | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***769*** |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Title Insurance Coverage - Inadequate Coverage | &nbsp;&nbsp;67 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Title Insurance Missing or Defective | &nbsp;&nbsp;16 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Excessive LTV Ratio | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited FICO is less than Guideline FICO | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Flood Insurance Minimum Coverage Not Met | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Insufficient Assets for Reserves | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline Seasoning not Met | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower Contributions Do Not Met Guideline Minimum | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Mortgage Payment History Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Cash Out Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Flood Insurance Policy Partially Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The Initial 1003 is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
| | | &nbsp;&nbsp;Borrower 1 IRS Transcripts Do Not Match Income Docs | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;The Final 1003 is Missing | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Borrower 1 Paystubs Less Than 1 Month Provided | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Audited Interested Party Contribution Exceeds Guideline Program Maximum | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Entity Documentation - Missing or Defective | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Approval/Underwriting Summary Not Provided | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Citizenship Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;DSCR Minimum Not Met | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***119*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;69 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;47 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;CA AB 260 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;MD COMAR Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date Test | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.35(c)(6)) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;Homeownership Counseling Disclosure Is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;TRID Total of Payments Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Appraisal Delivery to the Borrower is Greater than 3 days Prior to Consummation (12 CFR 1026.35(c)(6)) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;TILA Finance Charge Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;CT Nonprime Home Loan Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;NC Rate Spread Home Loan Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;High-Cost Mortgage Points and Fees Threshold Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;Regulation § 1026.43(c)(2)(vi) failure - The consumer's current debt obligations, alimony, and child support or other debt obligations were not confirmed and included in the DTI or excluded per lender guidelines. | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;Right of Rescission is Partially Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;High-Cost Mortgage Pre-Loan Counseling Date Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;TILA Right of Rescission Test | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
| | | &nbsp;&nbsp;Missing Credit Score Disclosure (FACTA) | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;CT NPHLA Required Escrow Account Test | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;High-Cost Mortgage Timing of Disclosure Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***169*** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Finance Charge Test | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;NY AB 11856 High Cost Home Loan Points and Fees Threshold Test | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***4*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;128 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Missing or Defective | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Subject Property Lease - Missing or Defective | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal Review - Missing | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal Missing or Defective | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Flood Insurance Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Payoff Statement Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Market Rent - Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Condo Questionnaire Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Misrepresentation of the Physical Characteristics | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Deed Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing, Inadequate, or Incomplete Project Document | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal is Expired | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal Review - Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Property Listed for Sale on Refinance Transaction | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Ineligible Property | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal incomplete (missing map, layout, pages, etc.) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;HOA Questionnaire is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***175*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Desk Review Variance > 10% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Exterior Inspection Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property Inspection Waiver Used at Origination | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal is Expired | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Inadequate, or Incomplete Project Document | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***8*** |

---

**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. |

---

D <u>There was not sufficient documentation to perform a review or the required legal documents were not furnished.</u>

---

| | |
|:---|:---|
| &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 99.17

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.17**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 304764086 | XXX | XXX | Interest Rate | XXX | XXX | in file reflects XXX% |
| 304777485 | XXX | XXX | Street Address | XXX | XXX |  |
| 304757946 | XXX | XXX | Street Address | XXX | XXX | Added unit # |
| 304733037 | XXX | XXX | Property Type | XXX | XXX | appraisal from XX/XX/XXXX reflects XXX family |
| 304733037 | XXX | XXX | Property Units | XXX | XXX | appraisal reflects XXX units |
| 304734199 | XXX | XXX | Loan Amount | $XXXXXX | $XXXXXX |  |
| 304734199 | XXX | XXX | P&I | $XXX | $XXX |  |
| 304734199 | XXX | XXX | Street Address | XXX | XXX |  |
| 304734199 | XXX | XXX | LTV | XXX | XXX |  |
| 304734199 | XXX | XXX | DSCR | XXX | XXX |  |
| 304734820 | XXX | XXX | Property Type | XXX | XXX | Appraisal reflects XXX Family |
| 304734820 | XXX | XXX | Property Units | XXX | XXX | appraisal reflects XXX units |
| 304745105 | XXX | XXX | Interest Rate | XXX | XXX | Note reflects XXX% |
| 304745125 | XXX | XXX | DSCR | XXX | XXX | Hazard premium amount not included in tape value |
| 304722334 | XXX | XXX | Interest Rate | XXX | XXX |  |
| 304709882 | XXX | XXX | City | XXX | XXX | Appraisal dated XX/XX/XXXX reflects city as XXX |
| 304766112 | XXX | XXX | Interest Rate | XXX | XXX |  |
| 304760364 | XXX | XXX | Interest Rate | XXX | XXX | Note reflects XXX% |
| 304733088 | XXX | XXX | Interest Rate | XXX | XXX |  |
| 304733025 | XXX | XXX | Interest Rate | XXX | XXX | Note reflects XXX% |
| 304760470 | XXX | XXX | Interest Rate | XXX | XXX | Note reflects XXX% |
| 304751808 | XXX | XXX | Street Address | XXX | XXX | Added unit # |
| 304747357 | XXX | XXX | Interest Rate | XXX | XXX | Note Reflects XXX% |
| 304747357 | XXX | XXX | Postal Code | XXX | XXX | Zip code per appraisal reflects XXX |
| 304727944 | XXX | XXX | Borrower First Name | XXX | XXX | flipped first and Last Name |
| 304727944 | XXX | XXX | Borrower Last Name | XXX | XXX | flipped first and Last Name |
| 304764420 | XXX | XXX | DSCR | XXX | XXX | Utilizing market rent from XXX |
| 304745110 | XXX | XXX | Qualifying FICO | XXX | XXX | Median FICO is XXX per credit report dated XX/XX/XXXX |
| 304777321 | XXX | XXX | Street Address | XXX | XXX | Added unit # |
| 304777321 | XXX | XXX | DSCR | XXX | XXX | Monthly breakdown: XXX income/ XXX P&I + XXX insurance + XXX taxes + XXX HOA |
| 304767970 | XXX | XXX | Street Address | XXX | XXX | Added unit # |
| 304759826 | XXX | XXX | Interest Rate | XXX | XXX | Note reflects XXX% |
| 304759826 | XXX | XXX | P&I | $XXX | $XXX | Note reflects XXX |
| 304756852 | XXX | XXX | Loan Purpose | XXX | XXX | Refi No Cash Out - XXX cash to borrower |
| 304756852 | XXX | XXX | As-Is Value | $XXX | $XXX | Appraisal dated XX/XX/XXXX reflects XXX |
| 304756852 | XXX | XXX | LTV | XXX | XXX | XXX/XXX |
| 304780141 | XXX | XXX | Property Type | XXX | XXX | Appraisal reflects XXX family attached |
| 304751807 | XXX | XXX | Street Address | XXX | XXX |  |
| 304751807 | XXX | XXX | DSCR | XXX | XXX |  |
| 304712964 | XXX | XXX | Street Address | XXX | XXX | Added unit # |
| 304712964 | XXX | XXX | City | XXX | XXX | Appraisal dated XX/XX/XXXX reflects city as XXX |
| 304763226 | XXX | XXX | City | XXX | XXX | Appraisal dated XX/XX/XXXX reflects city as XXX |
| 304754865 | XXX | XXX | Street Address | XXX | XXX | Added unit # |
| 304754510 | XXX | XXX | DSCR | XXX | XXX | Utilizing lease rent amount of $XXX: (Unit XXX: XXX / Unit XXX: XXX / Unit XXX: XXX / Unit XXX: $XXX) |
| 304749432 | XXX | XXX | Interest Rate | XXX | XXX | Note Reflects XXX% |
| 304749432 | XXX | XXX | P&I | $XXX | $XXX | Note reflects XXX |
| 304731833 | XXX | XXX | Interest Rate | XXX | XXX | Note reflects XXX% |
| 304768642 | XXX | XXX | Property Type | XXX | XXX | Appraisal reflects XXX |
| 304760472 | XXX | XXX | Property Type | XXX | XXX | Appraisal reflects XXX |
| 304745112 | XXX | XXX | Qualifying FICO | XXX | XXX | Median FICO is XXX per credit report dated XX/XX/XXXX |
| 304758053 | XXX | XXX | Qualifying FICO | XXX | XXX | Median FICO is XXX per credit report dated XX/XX/XXXX |
| 304768209 | XXX | XXX | Street Address | XXX | XXX | Added unit # |
| 304764262 | XXX | XXX | As-Is Value | $XXX | $XXX |  |
| 304757930 | XXX | XXX | Loan Purpose | XXX | XXX | Refi No Cash Out - XXX cash to borrower |
| 304732114 | XXX | XXX | DSCR | XXX | XXX | Using updated insurance policy |
| 304726357 | XXX | XXX | As-Is Value | $XXX | $XXX | Appraisal dated XX/XX/XXXX reflects XXX |
| 304751722 | XXX | XXX | Postal Code | XXX | XXX |  |
| 304751722 | XXX | XXX | As-Is Value | $XXX | $XXX | Appraisal dated XX/XX/XXXX reflects XXX |
| 304751722 | XXX | XXX | DSCR | XXX | XXX | Monthly breakdown: XXX income/ XXX P&I + XXX insurance + XXX taxes + XXX flood |
| 304745141 | XXX | XXX | Street Address | XXX | XXX | Added unit # |
| 304745141 | XXX | XXX | DSCR | XXX | XXX | Monthly breakdown: XXX income/ XXX P&I + XXX insurance + XXX taxes + HOA XXX |
| 304725232 | XXX | XXX | Property Type | XXX | XXX | Appraisal reflects PUD |
| 304755078 | XXX | XXX | Property Type | XXX | XXX |  |
| 304755078 | XXX | XXX | Property Units | XXX | XXX |  |
| 304733083 | XXX | XXX | DSCR | XXX | XXX | Matches DSCR in file |
| 304749963 | XXX | XXX | Qualifying FICO | XXX | XXX | Median FICO is XXX per credit report dated XX/XX/XXXX |
| 304734205 | XXX | XXX | Interest Rate | XXX | XXX | Note reflects XXX% |
| 304729322 | XXX | XXX | Loan Purpose | XXX | XXX | Refi No Cash Out - XXX cash from borrower |
| 304768655 | XXX | XXX | Property Type | XXX | XXX | Appraisal reflects attached |
| 304731821 | XXX | XXX | Loan Purpose | XXX | XXX | Refi No Cash Out - XXX cash from borrower |
| 304760474 | XXX | XXX | Street Address | XXX | XXX | Added unit # |
| 304735834 | XXX | XXX | Street Address | XXX | XXX | Added unit # |
| 304730736 | XXX | XXX | Street Address | XXX | XXX | Added unit # |
| 304734254 | XXX | XXX | As-Is Value | $XXX | $XXX |  |
| 304734254 | XXX | XXX | DSCR | XXX | XXX | Monthly breakdown: XXX income/ XXX P&I + XXX insurance + XXX taxes |
| 304639967 | XXX | XXX | Qualifying FICO | XXX | XXX | FICO is XXX per credit report from XX/XX/XXXX |
| 304639967 | XXX | XXX | Street Address | XXX | XXX | Added unit # |
| 304639967 | XXX | XXX | DSCR | XXX | XXX | Monthly breakdown is as follows: Income $XXX/ P&I XXX + Hazard Insurance XXX + Property Taxes XXX + HOA XXX |
| 304643133 | XXX | XXX | DSCR | XXX | XXX | Matches DSCR in file |
| 304729021 | XXX | XXX | Loan Purpose | XXX | XXX | Refi No Cash Out - XXX cash from borrower / payoff is for subject property |
| 304731829 | XXX | XXX | Property Type | XXX | XXX | Appraisal reflects attached |
| 304708749 | XXX | XXX | Postal Code | XXX | XXX | Correct is XXX per appraisal in file |
| 304708835 | XXX | XXX | As-Is Value | $XXX | $XXX | reflects XXX per appraisal dated XX/XX/XXXX |
| 304699131 | XXX | XXX | DSCR | XXX | XXX | Monthly breakdown is as follows: XXX Income/ XXX P/I + XXX insurance + XXX taxes |
| 304728253 | XXX | XXX | Loan Purpose | XXX | XXX | Refi No Cash Out - XXX cash from borrower / payoff is for subject property |
| 304724715 | XXX | XXX | Street Address | XXX | XXX |  |
| 304715507 | XXX | XXX | Loan Purpose | XXX | XXX | Cash to borrower < XX/XX/XXXX |
| 304709888 | XXX | XXX | Loan Purpose | XXX | XXX | Refi No Cash Out - XXX cash to borrower / payoff is for subject property |
| 304709888 | XXX | XXX | Qualifying FICO | XXX | XXX | FICO is XXX per credit report dated XX/XX/XXXX |
| 304707910 | XXX | XXX | DSCR | XXX | XXX | Hazard policy in file reflects premium amount of XXX |
| 304655573 | XXX | XXX | Street Address | XXX | XXX |  |
| 304702042 | XXX | XXX | Street Address | XXX | XXX | Added unit # |
| 304384009 | XXX | XXX | Property Type | XXX | XXX |  |
| 304384009 | XXX | XXX | DSCR | XXX | XXX |  |
| 304483559 | XXX | XXX | Street Address | XXX | XXX |  |
| 304398733 | XXX | XXX | P&I | $XXX | $XXX |  |
| 304398733 | XXX | XXX | DSCR | XXX | XXX | Breakdown is as follows: Income XXX / P&I XXX + Property Taxes XXX + Hazard Insurance $XXX. |
| 304749995 | XXX | XXX | Interest Rate | XXX | XXX | Note Reflects XXX% |
| 304749995 | XXX | XXX | P&I | $XXX | $XXX | Note reflects XXX |
| 304726354 | XXX | XXX | LTV | XXX | XXX | XXX/XXX |
| 304613729 | XXX | XXX | Loan Purpose | XXX | XXX | Cash from borrower amount of XXX |
| 304724414 | XXX | XXX | Loan Purpose | XXX | XXX | Refi No Cash Out - XXX cash from borrower / payoff is for subject property |
| 304717988 | XXX | XXX | Loan Purpose | XXX | XXX | Refi Cash Out - Cash to borrower greater than $5k |
| 304716866 | XXX | XXX | DSCR | XXX | XXX |  |
| 304710686 | XXX | XXX | DSCR | XXX | XXX | Matches DSCR in file |
| 304710325 | XXX | XXX | Loan Purpose | XXX | XXX | Refi No Cash Out - XXX cash from borrower / payoff is for subject property |
| 304708750 | XXX | XXX | DSCR | XXX | XXX | Using STR income of XXX |
| 304704921 | XXX | XXX | Postal Code | XXX | XXX | Correct is XXX per appraisal in file |
| 304693725 | XXX | XXX | Sales Price | $XXX | $XXX | per purchase agreement dated XX/XX/XXXX is XXX |
| 304688318 | XXX | XXX | Qualifying FICO | XXX | XXX |  |
| 304681131 | XXX | XXX | As-Is Value | $XXX | $XXX | reflects XXX per appraisal dated XX/XX/XXXX |
| 304681131 | XXX | XXX | DSCR | XXX | XXX | Matches DSCR in file |
| 304681122 | XXX | XXX | DSCR | XXX | XXX | Monthly breakdown is as follows: XXX Income/ XXX P/I + XXX insurance + XXX taxes + HOA XXX |
| 304428931 | XXX | XXX | DSCR | XXX | XXX | Breakdown as follows: XXX income/ XXX P&I + XXX Flood + XXX insurance + XXX taxes |
| 304390747 | XXX | XXX | Loan Purpose | XXX | XXX |  |
| 304727464 | XXX | XXX | Qualifying FICO | XXX | XXX | Median FICO is XXX per credit report dated XX/XX/XXXX |
| 304643480 | XXX | XXX | DSCR | XXX | XXX | Monthly breakdown is as follows: Income $XXX/ P&I XXX + Hazard Insurance XXX + Property Taxes XXX |
| 304459072 | XXX | XXX | DSCR | XXX | XXX | Breakdown as follows: XXX income/ XXX P&I + XXX insurance + XXX taxes |
| 304705154 | XXX | XXX | Postal Code | XXX | XXX | Correct is XXX per appraisal in file |
| 304688486 | XXX | XXX | As-Is Value | $XXX | $XXX | reflects XXX per appraisal dated XX/XX/XXXX |
| 304654861 | XXX | XXX | Loan Amount | $XXXXXX | $XXXXXX | Note reflects XXX |
| 304654861 | XXX | XXX | P&I | $XXX | $XXX | Note reflects XXX |
| 304654861 | XXX | XXX | DSCR | XXX | XXX | Monthly breakdown is as follows: XXX Income/ XXX P/I + XXX insurance + XXX taxes |
| 304640042 | XXX | XXX | Postal Code | XXX | XXX |  |
| 304392906 | XXX | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| 304392770 | XXX | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| 304392767 | XXX | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| 304483492 | XXX | XXX | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is self-XXX per documentation in file |
| 304483492 | XXX | XXX | Borrower 2 Self-Employment Flag | XXX | XXX | Co-borrower is self-XXX per documentation in file |
| 304811491 | XXX | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| 304511401 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304687103 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304638280 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304638280 | XXX | XXX | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per Final CD |
| 304638262 | XXX | XXX | Loan Product Type | XXX | XXX | Audit value pulled from Note |
| 304511328 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304511328 | XXX | XXX | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per Final CD |
| 304655355 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304638015 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304655253 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304704806 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304704806 | XXX | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| 304695160 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304695151 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304695151 | XXX | XXX | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per Final CD |
| 304694743 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304694743 | XXX | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| 304680975 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304694725 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304699850 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304704779 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304699841 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304699834 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304704774 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304704774 | XXX | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| 304699822 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304694668 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304704766 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304699799 | XXX | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| 304699798 | XXX | XXX | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per Final CD |
| 304699798 | XXX | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| 304694589 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304699760 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304704723 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304704723 | XXX | XXX | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per Final CD |
| 304735967 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304704677 | XXX | XXX | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per Final CD |
| 304712061 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304712061 | XXX | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| 304735963 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304735963 | XXX | XXX | Number of Borrowers | XXX | XXX | Audit value pulled from Note |
| 304735963 | XXX | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| 304757818 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304735958 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304812828 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304735957 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304757814 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304757811 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304735951 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304735949 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304757806 | XXX | XXX | Loan Product Type | XXX | XXX | Audit value pulled from Note |
| 304735946 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304735945 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304757804 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304757804 | XXX | XXX | Loan Product Type | XXX | XXX | Audit value pulled from Note |
| 304735937 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304812825 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304735935 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304735928 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304735927 | XXX | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| 304764045 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304735920 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304757773 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304764028 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304764028 | XXX | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| 304735917 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304735902 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304735892 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304735892 | XXX | XXX | Number of Borrowers | XXX | XXX | Audit value pulled from Note |
| 304764013 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304735883 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304735883 | XXX | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| 304757748 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304757748 | XXX | XXX | Loan Product Type | XXX | XXX | Audit value pulled from Note |
| 304735881 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304735881 | XXX | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| 304735880 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304764003 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304764003 | XXX | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| 304764002 | XXX | XXX | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per Final CD |
| 304757738 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304757736 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304757736 | XXX | XXX | Number of Borrowers | XXX | XXX | Audit value pulled from Note |
| 304812814 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304757725 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304757725 | XXX | XXX | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per Final CD |
| 304757717 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304757715 | XXX | XXX | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per Final CD |
| 304757715 | XXX | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| 304757713 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304763960 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304757691 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304763934 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304763929 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304757659 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304757659 | XXX | XXX | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per Final CD |
| 304757651 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304757651 | XXX | XXX | Sales Price | $XXX | $XXX | Per contract |
| 304763918 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304757631 | XXX | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| 304757612 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304757612 | XXX | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| 304763868 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304763847 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304763816 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304818115 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304366863 | XXX | XXX | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is self-XXX per documentation in file |
| 304366863 | XXX | XXX | Prepayment Penalty Flag | XXX | XXX | Audit value pulled from Note |
| 304484798 | XXX | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt document |
| 304679065 | XXX | XXX | Property Value | $XXX | $XXX | Appraised Value vs Sale Price |
| 304679050 | XXX | XXX | Qualifying FICO | XXX | XXX | Audit Value from origination credit report |
| 304495397 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304495397 | XXX | XXX | Property Value | $XXX | $XXX | Per Appraisal vs |
| 304495367 | XXX | XXX | Property Type | XXX | XXX | Verified with the XXX/appraisal and title |
| 304679044 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304679043 | XXX | XXX | Qualifying FICO | XXX | XXX | Audit Value from origination credit report |
| 304679034 | XXX | XXX | Property Value | $XXX | $XXX | Per Appraisal |
| 304679033 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304495350 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304495350 | XXX | XXX | Property County | XXX | XXX | Per Deed/Legal |
| 304495350 | XXX | XXX | Property Type | XXX | XXX | Appraisal reflects SFD, however PUD rider is attached to the Mortgage |
| 304495350 | XXX | XXX | Qualifying FICO | XXX | XXX | Audit Value from origination credit report |
| 304495349 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304495327 | XXX | XXX | Property Value | $XXX | $XXX | Appraised Value is XXX Lower purchase price of XXX used to qualify. |
| 304679010 | XXX | XXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304679010 | XXX | XXX | Property Value | $XXX | $XXX | Verified to appraised value vs. Purchase price. |
| 304728938 | XXX | XXX | Property Type | XXX | XXX | Appraisal reflects attached |
| 304728938 | XXX | XXX | DSCR | XXX | XXX | Breakdown: XXX Income/ XXX P/I + XXX insurance + XXX taxes |
| 304728952 | XXX | XXX | Loan Purpose | XXX | XXX |  |
| 304728952 | XXX | XXX | Sales Price | $XXX | $XXX | Refinance |
| 304728952 | XXX | XXX | DSCR | XXX | XXX | Breakdown: XXX Income/ XXX P/I + XXX insurance + XXX taxes |
| 304728958 | XXX | XXX | Loan Purpose | XXX | XXX | Payoff is for subject property - Cash out amount is less than XXX% of |
| 304728986 | XXX | XXX | DSCR | XXX | XXX | using lease agreement rental amount of XXX |
| 304728980 | XXX | XXX | Loan Purpose | XXX | XXX | Delayed finance |
| 304728980 | XXX | XXX | Sales Price | $XXX | $XXX | Refinance |
| 304728980 | XXX | XXX | As-Is Value | $XXX | $XXX | XXX per appraisal dated XX/XX/XXXX |
| 304728980 | XXX | XXX | LTV | XXX | XXX | $XXX/$XXX |
| 304728980 | XXX | XXX | DSCR | XXX | XXX | Breakdown: XXX Income/ XXX P/I + XXX insurance + XXX taxes |
| 304728923 | XXX | XXX | Property Type | XXX | XXX | Both reported as XXX |
| 304728923 | XXX | XXX | DSCR | XXX | XXX | Breakdown: XXX Income/ XXX P/I + XXX insurance + XXX taxes |
| 304728920 | XXX | XXX | Property Type | XXX | XXX | same |
| 304728917 | XXX | XXX | Property Type | XXX | XXX | XXX and says attactched on appraisal dated XX/XX/XXXX |
| 304728917 | XXX | XXX | DSCR | XXX | XXX | calculation: XXX Income/ XXX P/I + XXX insurance + XXX taxes |
| 304728906 | XXX | XXX | Qualifying FICO | XXX | XXX | Taking the highest score per guidelines |
| 304728903 | XXX | XXX | Qualifying FICO | XXX | XXX | Credit report reflects G2 qualifying XXX FICO |
| 304728874 | XXX | XXX | Qualifying FICO | XXX | XXX |  |
| 304728860 | XXX | XXX | Qualifying FICO | XXX | XXX | Taking the highest score per guidelines |
| 304728860 | XXX | XXX | Property Type | XXX | XXX | Appraisal reflects single family |
| 304728860 | XXX | XXX | Property Units | XXX | XXX | Single family with an ADU |
| 304728979 | XXX | XXX | Property Type | XXX | XXX | PUD According to appraisal |
| 304728962 | XXX | XXX | Loan Purpose | XXX | XXX | Transaction is a delayed finance |
| 304728962 | XXX | XXX | Sales Price | $XXX | $XXX | Refinance |
| 304728936 | XXX | XXX | Sales Price | $XXX | $XXX | refinnace |
| 304728928 | XXX | XXX | Qualifying FICO | XXX | XXX | FICO is XXX per credit report dated XX/XX/XXXX |
| 304728919 | XXX | XXX | Property Type | XXX | XXX | Appraisal reflects attached |
| 304728916 | XXX | XXX | DSCR | XXX | XXX | Breakdown: XXX Income/ XXX P/I + XXX insurance + XXX taxes |
| 304728914 | XXX | XXX | Loan Purpose | XXX | XXX |  |
| 304728914 | XXX | XXX | Qualifying FICO | XXX | XXX | Taking the highest score per guidelines |
| 304728914 | XXX | XXX | Sales Price | $XXX | $XXX |  |
| 304728911 | XXX | XXX | Property Type | XXX | XXX | same |
| 304728902 | XXX | XXX | DSCR | XXX | XXX | Using XXX% of market rent: XXX |
| 304728899 | XXX | XXX | DSCR | XXX | XXX | Breakdown: XXX Income/ XXX P/I + XXX insurance + XXX taxes |
| 304728885 | XXX | XXX | Property Type | XXX | XXX | same |
| 304728885 | XXX | XXX | DSCR | XXX | XXX | Using XXX% of market rent: XXX |
| 304728876 | XXX | XXX | Qualifying FICO | XXX | XXX | Taking the highest score per guidelines |
| 304728876 | XXX | XXX | As-Is Value | $XXX | $XXX | As is per appraisal dated XX/XX/XXXX reflects XXX |
| 304728862 | XXX | XXX | DSCR | XXX | XXX | Using XXX% of market rents: XXX |
| 304728856 | XXX | XXX | Property Type | XXX | XXX |  |
| 304728839 | XXX | XXX | Property Type | XXX | XXX | Appraisal reflects detached |
| 304728831 | XXX | XXX | Sales Price | $XXX | $XXX |  |
| 304728831 | XXX | XXX | DSCR | XXX | XXX | Monthly breakdown: XXX Income / PI XXX + Taxes XXX + Insurance XXX |
| 304443765 | XXX | XXX | Property Type | XXX | XXX | Appraisal reflects attached |
| 304728993 | XXX | XXX | Property Type | XXX | XXX | Attached according to appraisal |
| 304728993 | XXX | XXX | DSCR | XXX | XXX | Breakdown: XXX Income/ XXX P/I + XXX insurance + XXX taxes |
| 304728964 | XXX | XXX | Loan Purpose | XXX | XXX |  |
| 304728964 | XXX | XXX | Property Type | XXX | XXX | Appraisal reflects attached |
| 304728964 | XXX | XXX | Sales Price | $XXX | $XXX | delayed purchase |
| 304728930 | XXX | XXX | Loan Purpose | XXX | XXX | delayed purchase |
| 304728930 | XXX | XXX | Sales Price | $XXX | $XXX |  |
| 304728924 | XXX | XXX | Property Type | XXX | XXX | Appraisal reflects attached |
| 304728918 | XXX | XXX | Street Address | XXX | XXX | Title Address as XXX N Longwood Street |
| 304728918 | XXX | XXX | Postal Code | XXX | XXX | Title confirms XXX |
| 304728918 | XXX | XXX | Property Type | XXX | XXX | says XXX XXX in appraisal |
| 304728904 | XXX | XXX | Qualifying FICO | XXX | XXX | Credit report reflects G2 qualifying XXX FICO |
| 304728884 | XXX | XXX | DSCR | XXX | XXX | Using XXX% of market rent for unit XXX and lease rent for unit XXX |
| 304728878 | XXX | XXX | Property Type | XXX | XXX | XXX accoruding to appraisal |
| 304728867 | XXX | XXX | DSCR | XXX | XXX | Using XXX% of market rent: XXX |
| 304728844 | XXX | XXX | Property Type | XXX | XXX | Appraisal reflects attached |
| 304728838 | XXX | XXX | Property Type | XXX | XXX | Appraisal reflects detached |
| 304511392 | XXX | XXX | PITIA | $XXX | $XXX | PITIA is XXX inclusive of HOA fees |
| 304811493 | XXX | XXX | Interest Rate | XXX | XXX | Note dated XX/XX/XXXX reflects XX/XX/XXXX |
| 304811493 | XXX | XXX | P&I | $XXX | $XXX | P&I is XXX per note in file dated XX/XX/XXXX |
| 304811493 | XXX | XXX | DSCR | XXX | XXX | Breakdown: XXX Income / XXX P&I + XXX Insurance + XXX Taxes |
| 304811500 | XXX | XXX | Interest Rate | XXX | XXX | Note dated XX/XX/XXXX reflects XXX |
| 304811500 | XXX | XXX | P&I | $XXX | $XXX | P&I is XXX per note in file dated XX/XX/XXXX |
| 304811500 | XXX | XXX | DSCR | XXX | XXX | Breakdown: XXX Income / XXX P&I + XXX Insurance + XXX Taxes |
| 304637754 | XXX | XXX | Interest Rate | XXX | XXX | XXX% based on note |
| 304637731 | XXX | XXX | Interest Rate | XXX | XXX | XXX% based on note |
| 304679001 | XXX | XXX | As-Is Value | $XXX | $XXX | As is value versus purchase price |
| 304679001 | XXX | XXX | Borr Funds to Close - Mos Resrv | XXX | XXX |  |
| 304679001 | XXX | XXX | NON QM Months Reserves | XXX | XXX |  |
| 304694661 | XXX | XXX | Closing Date | XX/XX/XXXX | XX/XX/XXXX | is XX/XX/XXXX per note in file |
| 304704736 | XXX | XXX | PITIA | $XXX | $XXX | PITIA is XXX |
| 304699863 | XXX | XXX | P&I | $XXX | $XXX | P&I is XXX per note in file |
| 304699863 | XXX | XXX | PITIA | $XXX | $XXX | PITIA is XXX |
| 304704758 | XXX | XXX | PITIA | $XXX | $XXX | PITIA is XXX |
| 304704782 | XXX | XXX | PITIA | $XXX | $XXX | PITIA is XXX |
| 304704771 | XXX | XXX | PITIA | $XXX | $XXX | PITIA is XXX inclusive of HOA fees |
| 304704692 | XXX | XXX | PITIA | $XXX | $XXX | PITIA is XXX |
| 304757812 | XXX | XXX | PITIA | $XXX | $XXX | PITIA is XXX inclusive of HOA fees |
| 304735934 | XXX | XXX | PITIA | $XXX | $XXX | PITIA is XXX |
| 304735933 | XXX | XXX | PITIA | $XXX | $XXX | PITIA is XXX |
| 304735913 | XXX | XXX | PITIA | $XXX | $XXX | PITIA is XXX |
| 304757764 | XXX | XXX | P&I | $XXX | $XXX | P&I is XXX per Note in file |
| 304757764 | XXX | XXX | Monthly Insurance | $XXX | $XXX | is XXX inclusive of ADU policy |
| 304735890 | XXX | XXX | PITIA | $XXX | $XXX | PITIA is XXX |
| 304757723 | XXX | XXX | PITIA | $XXX | $XXX | PITIA is XXX |
| 304735965 | XXX | XXX | P&I | $XXX | $XXX | P&I is XXX |
| 304735965 | XXX | XXX | PITIA | $XXX | $XXX | XXX P&I + XXX Insurance + XXX Taxes + XXX Flood = XXX PITIA |
| 304757762 | XXX | XXX | PITIA | $XXX | $XXX | XXX P&I + XXX insurance + XXX taxes = XXX PITIA |
| 304757742 | XXX | XXX | PITIA | $XXX | $XXX | XXX P&I + XXX insurance + XXX taxes XXX HOA = XXX PITIA |
| 304757741 | XXX | XXX | PITIA | $XXX | $XXX | XXX P&I + XXX insurance + XXX taxes XXX HOA = XXX PITIA |
| 304757740 | XXX | XXX | PITIA | $XXX | $XXX | XXX P&I + XXX insurance + XXX taxes XXX HOA = XXX PITIA |
| 304757712 | XXX | XXX | PITIA | $XXX | $XXX | XXX P&I + XXX insurance + XXX tax + XXX HOA= XXX PITIA |
| 304757786 | XXX | XXX | PITIA | $XXX | $XXX | XXX P&I + XXX Insurance + XXX Tax = XXX PITIA |
| 304735871 | XXX | XXX | PITIA | $XXX | $XXX | XXX P&I XXX Insurance + XXX Tax = XXX PITIA |
| 304757710 | XXX | XXX | PITIA | $XXX | $XXX | XXX P&I + XXX Insurance + XXX Tax = XXX PITIA |
| 304757709 | XXX | XXX | PITIA | $XXX | $XXX | XXX P&I + XXX Insurance + XXX Tax = XXX PITIA |
| 304757792 | XXX | XXX | P&I | $XXX | $XXX | Note States P&I = XXX |
| 304735895 | XXX | XXX | PITIA | $XXX | $XXX | XXX P&I + XXX Insurance + XXX Tax = XXX PITIA |
| 304757716 | XXX | XXX | PITIA | $XXX | $XXX | XXX P&I + XXX Insurance + XXX Tax = XXX PITIA |
| 304757627 | XXX | XXX | PITIA | $XXX | $XXX | XXX P&I + XXX Insurance + XXX Tax = XXX PITIA |
| 304763928 | XXX | XXX | P&I | $XXX | $XXX | P&I is XXX |
| 304757810 | XXX | XXX | PITIA | $XXX | $XXX | XXX P&I + XXX Insurance + XXX Tax = XXX PITIA |
| 304735875 | XXX | XXX | P&I | $XXX | $XXX | P&I is XXX |
| 304735875 | XXX | XXX | Monthly Taxes | $XXX | $XXX | XXX Taxes |
| 304757688 | XXX | XXX | PITIA | $XXX | $XXX | XXX P&I + XXX Insurance + XXX Tax = XXX PITIA |
| 304757597 | XXX | XXX | PITIA | $XXX | $XXX | XXX P&I + XXX Insurance + XXX Tax = XXX PITIA |
| 304757711 | XXX | XXX | PITIA | $XXX | $XXX | XXX P&I + XXX Insurance + XXX Tax + XXX HOA = XXX PITIA |
| 304757711 | XXX | XXX | Monthly Insurance | $XXX | $XXX | Hazard is XXX |
| 304780029 | XXX | XXX | Qualifying FICO | XXX | XXX | FICO XXX |
| 304780029 | XXX | XXX | Property Type | XXX | XXX | XXX units per appraisal |
| 304780029 | XXX | XXX | As-Is Value | $XXX | $XXX | is XXX per Appraisal in file |
| 304735938 | XXX | XXX | PITIA | $XXX | $XXX | XXX P&I + XXX Insurance + XXX Tax = XXX PITIA |
| 304735924 | XXX | XXX | PITIA | $XXX | $XXX | XXX P&I + XXX Insurance + XXX Tax + XXX HOA = XXX PITIA |
| 304735872 | XXX | XXX | PITIA | $XXX | $XXX | XXX P&I + XXX Insurance + XXX Tax = XXX PITIA |
| 304757630 | XXX | XXX | PITIA | $XXX | $XXX | XXX P&I + XXX Insurance + XXX Tax + XXX HOA = XXX PITIA |
| 304780027 | XXX | XXX | Property Type | XXX | XXX | Appraisal reflects subject property as a XXX unit. |
| 304812733 | XXX | XXX | Property Type | XXX | XXX | Subject Property is XXX units as declared by the Certificate of Occupancy in file |
| 304812758 | XXX | XXX | PITIA | $XXX | $XXX | XXX P&I + XXX insurance + XXX Tax = XXX PITIA |

---

## Exhibit 99.18

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.18**

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller Name** | **Seller Loan ID** | **Customer Loan ID** | **Exception ID** | **Exception ID Date** | **Exception Category** | **Exception Subcategory** | **Exception Description** | **Exception Comments** | **Seller Response** | **Reviewer Response** | **Compensating Factors** | **Exception Status** | **Cleared Date** | **Exception Approved Pre Origination** |
| XXX | XXX | 304698294 | XXX | 6/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/24/2025 | A |
| XXX | XXX | 304732967 | XXX | 7/10/2025 | Credit | Application/Processing | Entity Documentation - Missing or Defective | Missing corporate resolution for XXX allowing XXX authority to act on behalf of the company. | XX/XX/XXXX: Please see the attached document for which gives the borrower XXX all control, involvement, and authority over the LLC. This includes making financial decisions on behalf of the LLC. | XX/XX/XXXX: Received |  | Cleared | 7/18/2025 | D A |
| XXX | XXX | 304732114 | XXX | 7/11/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | FICO XXX LTV 80%, XXX months reserves | Acknowledged | 7/11/2025 | B |
| XXX | XXX | 304732114 | XXX | 7/11/2025 | Property | Hazard Insurance | Hazard Insurance Missing or Defective | Hazard insurance policy is missing with mortgagee clause after lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage | XX/XX/XXXX XXX: attached | XX/XX/XXXX: Received |  | Cleared | 8/25/2025 | C A |
| XXX | XXX | 304731813 | XXX | 7/14/2025 | Property | Hazard Insurance | Hazard Insurance Missing or Defective | Hazard insurance policy is missing with mortgagee clause after lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage | XX/XX/XXXX: See attached policy | XX/XX/XXXX: Received |  | Cleared | 7/28/2025 | C A |
| XXX | XXX | 304734126 | XXX | 7/17/2025 | Credit | Title/Lien | Title Insurance Missing or Defective | Provided title insurance is a preliminary policy with no coverage amount or mortgagee clause. Please provide a title supplement or updated title insurance to meet guideline requirements. | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | FICO XXX LTV 75%, XX/XX/XXXX months reserves | Acknowledged | 7/17/2025 | B |
| XXX | XXX | 304749903 | XXX | 7/18/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Active |  | A |
| XXX | XXX | 304749966 | XXX | 7/18/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/18/2025 | A |
| XXX | XXX | 304729950 | XXX | 7/18/2025 | Property | Appraisal Review | Appraisal Review - Missing | Missing appraisal review for subject property: XXX | XX/XX/XXXX: Please see attached | XX/XX/XXXX: Received |  | Cleared | 7/23/2025 | D A |
| XXX | XXX | 304729950 | XXX | 7/18/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | FICO XXX DSCR XXX Months Reserves XXX | Acknowledged | 7/18/2025 | B |
| XXX | XXX | 304731804 | XXX | 7/18/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/18/2025 | A |
| XXX | XXX | 304748486 | XXX | 7/18/2025 | Property | Insurance | Hazard Insurance Missing or Defective | Hazard insurance policy is missing mortgagee clause after lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage | XX/XX/XXXX: please see attached | XX/XX/XXXX: Received |  | Cleared | 8/8/2025 | C A |
| XXX | XXX | 304731815 | XXX | 7/18/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | FICO XXX DSCR XXX months reserves | Acknowledged | 7/18/2025 | B |
| XXX | XXX | 304731815 | XXX | 7/18/2025 | Property | Appraisal Review | Appraisal Review - Missing | Missing appraisal review for subject property: XXX | XX/XX/XXXX: please see attached XX/XX/XXXX: please see attached appraisal | XX/XX/XXXX: Received XX/XX/XXXX: Uploaded document is an appraisal, while finding in regards to a missing appraisal review. Please uploaded appraisal review product for subject property |  | Cleared | 7/23/2025 | D A |
| XXX | XXX | 304734214 | XXX | 7/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/21/2025 | A |
| XXX | XXX | 304732878 | XXX | 7/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/21/2025 | A |
| XXX | XXX | 304735844 | XXX | 7/21/2025 | Property | Insurance | Hazard Insurance Missing or Defective | Hazard insurance policy is missing mortgage clause after Lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage after XXX. | XX/XX/XXXX: please see attached | XX/XX/XXXX: Received |  | Cleared | 7/31/2025 | C A |
| XXX | XXX | 304732134 | XXX | 7/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/21/2025 | A |
| XXX | XXX | 304728802 | XXX | 7/21/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | FICO XXX LTV 64.06%, Months reserves XXX | Acknowledged | 7/21/2025 | B |
| XXX | XXX | 304752392 | XXX | 7/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/21/2025 | A |
| XXX | XXX | 304729951 | XXX | 7/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/21/2025 | A |
| XXX | XXX | 304748483 | XXX | 7/22/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/22/2025 | A |
| XXX | XXX | 304730906 | XXX | 7/22/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/22/2025 | A |
| XXX | XXX | 304734823 | XXX | 7/23/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Provided Title Preliminary Report is missing mortgagee clause after lender's name. Please provide a title supplement or updated title insurance to meet guideline requirements. | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | FICO XXX DSCR XXX LTV 70% | Acknowledged | 7/23/2025 | B |
| XXX | XXX | 304732119 | XXX | 7/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/23/2025 | A |
| XXX | XXX | 304750448 | XXX | 7/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/23/2025 | A |
| XXX | XXX | 304754872 | XXX | 7/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/23/2025 | A |
| XXX | XXX | 304728719 | XXX | 7/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/23/2025 | A |
| XXX | XXX | 304731828 | XXX | 7/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/23/2025 | A |
| XXX | XXX | 304730147 | XXX | 7/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/23/2025 | A |
| XXX | XXX | 304751804 | XXX | 7/23/2025 | Credit | Hazard Insurance | Hazard Insurance Missing or Defective | Hazard insurance policy is missing mortgagee clause after lenders' name. Please provide updated hazard policy with ISAOA/ATIMA verbiage | XX/XX/XXXX: please see attached | XX/XX/XXXX: Received |  | Cleared | 7/25/2025 | C A |
| XXX | XXX | 304751804 | XXX | 7/23/2025 | Credit | Closing Documentation | Sales Contract Missing or Defective | Missing purchase contract with correct. Contract in file reflects XXX with no addendum changing it to XXX | XX/XX/XXXX: please see attached | XX/XX/XXXX: Received |  | Cleared | 7/24/2025 | C A |
| XXX | XXX | 304712242 | XXX | 7/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/24/2025 | A |
| XXX | XXX | 304754509 | XXX | 7/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/24/2025 | A |
| XXX | XXX | 304754858 | XXX | 7/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/24/2025 | A |
| XXX | XXX | 304729016 | XXX | 7/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/24/2025 | A |
| XXX | XXX | 304728710 | XXX | 7/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/24/2025 | A |
| XXX | XXX | 304751811 | XXX | 7/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/24/2025 | A |
| XXX | XXX | 304750449 | XXX | 7/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/24/2025 | A |
| XXX | XXX | 304751807 | XXX | 7/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/24/2025 | A |
| XXX | XXX | 304750464 | XXX | 7/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/24/2025 | A |
| XXX | XXX | 304751809 | XXX | 7/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/24/2025 | A |
| XXX | XXX | 304715504 | XXX | 7/25/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Provided title insurance is a preliminary policy with no coverage amount or mortgagee clause. Please provide a title supplement with ISAOA and coverage amount to meet guideline requirements. | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | FICO XXX months reserves XXX LTV 43.12% | Acknowledged | 7/25/2025 | B |
| XXX | XXX | 304745125 | XXX | 7/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/25/2025 | A |
| XXX | XXX | 304736169 | XXX | 7/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/25/2025 | A |
| XXX | XXX | 304754452 | XXX | 7/25/2025 | Credit | Hazard Insurance | Hazard Insurance Missing or Defective | Hazard insurance policy is missing mortgagee clause after lenders' name. Please provide updated hazard policy with ISAOA/ATIMA verbiage | XX/XX/XXXX: Please see attached policy | XX/XX/XXXX: Received |  | Cleared | 7/31/2025 | C A |
| XXX | XXX | 304747374 | XXX | 7/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/25/2025 | A |
| XXX | XXX | 304733087 | XXX | 7/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/25/2025 | A |
| XXX | XXX | 304758427 | XXX | 7/25/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | FICO XXX months reserves, DSCR XXX | Acknowledged | 7/25/2025 | B |
| XXX | XXX | 304733028 | XXX | 7/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/25/2025 | A |
| XXX | XXX | 304748474 | XXX | 7/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/25/2025 | A |
| XXX | XXX | 304709882 | XXX | 7/28/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/28/2025 | A |
| XXX | XXX | 304757946 | XXX | 7/28/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Provided title insurance is a preliminary policy with no coverage amount and mortgagee clause. Please provide a title supplement or updated title insurance to meet guideline requirements. | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | FICO XXX DSCR XXX months reserves | Acknowledged | 7/28/2025 | B |
| XXX | XXX | 304751810 | XXX | 7/28/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/28/2025 | A |
| XXX | XXX | 304736659 | XXX | 7/28/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/28/2025 | A |
| XXX | XXX | 304712964 | XXX | 7/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/29/2025 | A |
| XXX | XXX | 304750154 | XXX | 7/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/29/2025 | A |
| XXX | XXX | 304730746 | XXX | 7/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/29/2025 | A |
| XXX | XXX | 304734211 | XXX | 7/29/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | FICO XXX DSCR XXX LTV 45.41% | Acknowledged | 7/29/2025 | B |
| XXX | XXX | 304725232 | XXX | 7/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/30/2025 | A |
| XXX | XXX | 304732691 | XXX | 7/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/30/2025 | A |
| XXX | XXX | 304734254 | XXX | 7/30/2025 | Credit | Debt Service Coverage Ratio Eligibility | DSCR Minimum Not Met | Audit DSCR of XX/XX/XXXX does not align with client DSCR of XXX. Monthly breakdown: XXX income/ XXX P&I + XXX insurance + XXX taxes. Please opine | XX/XX/XXXX: Please review and cancel, our DSCR is correct at XXX not XXX reakdown: $XX/XX/XXXX PITI= DSCR. (hoi XXX + $XXX). | XX/XX/XXXX: Received |  | Cleared | 8/5/2025 | C A |
| XXX | XXX | 304752387 | XXX | 7/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/30/2025 | A |
| XXX | XXX | 304756842 | XXX | 7/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/30/2025 | A |
| XXX | XXX | 304754865 | XXX | 7/30/2025 | Credit | Title or Lien | Closing Protection Letter Missing or Defective | Misisng Closing Protection Letter (CPL). | XX/XX/XXXX: see attached | XX/XX/XXXX: Received |  | Cleared | 7/31/2025 | D A |
| XXX | XXX | 304754866 | XXX | 7/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/30/2025 | A |
| XXX | XXX | 304732110 | XXX | 7/30/2025 | Property | Debt Service Coverage Ratio Eligibility | Subject Property Lease - Missing or Defective | Missing lease agreement for unit XXX of subject property: XXX | XX/XX/XXXX: please see attached | XX/XX/XXXX: Received |  | Cleared | 8/7/2025 | D A |
| XXX | XXX | 304754512 | XXX | 7/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/30/2025 | A |
| XXX | XXX | 304749770 | XXX | 7/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/30/2025 | A |
| XXX | XXX | 304755064 | XXX | 7/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/30/2025 | A |
| XXX | XXX | 304732690 | XXX | 7/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/30/2025 | A |
| XXX | XXX | 304751789 | XXX | 7/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/30/2025 | A |
| XXX | XXX | 304727944 | XXX | 7/31/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/31/2025 | A |
| XXX | XXX | 304748487 | XXX | 7/31/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/31/2025 | A |
| XXX | XXX | 304734199 | XXX | 7/31/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/31/2025 | A |
| XXX | XXX | 304733083 | XXX | 7/31/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required. | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | FICO XXX LTV 40.47%, XXX months reserves | Acknowledged | 7/31/2025 | B |
| XXX | XXX | 304745120 | XXX | 7/31/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required. | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | FICO XXX LTV 62.38%, XX/XX/XXXX months reserves | Acknowledged | 7/31/2025 | B |
| XXX | XXX | 304734762 | XXX | 7/31/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/31/2025 | A |
| XXX | XXX | 304732786 | XXX | 7/31/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/31/2025 | A |
| XXX | XXX | 304757928 | XXX | 7/31/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/31/2025 | A |
| XXX | XXX | 304749433 | XXX | 7/31/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | FICO XXX LTV 65%, XX/XX/XXXX months reserves | Acknowledged | 7/31/2025 | B |
| XXX | XXX | 304749708 | XXX | 7/31/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/31/2025 | A |
| XXX | XXX | 304758049 | XXX | 7/31/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/31/2025 | A |
| XXX | XXX | 304732852 | XXX | 7/31/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/31/2025 | A |
| XXX | XXX | 304754510 | XXX | 7/31/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/31/2025 | A |
| XXX | XXX | 304757940 | XXX | 7/31/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/31/2025 | A |
| XXX | XXX | 304765331 | XXX | 7/31/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/31/2025 | A |
| XXX | XXX | 304745116 | XXX | 8/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/1/2025 | A |
| XXX | XXX | 304731820 | XXX | 8/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/1/2025 | A |
| XXX | XXX | 304736166 | XXX | 8/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/1/2025 | A |
| XXX | XXX | 304732784 | XXX | 8/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/1/2025 | A |
| XXX | XXX | 304731819 | XXX | 8/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/1/2025 | A |
| XXX | XXX | 304755065 | XXX | 8/1/2025 | Credit | Title or Lien | Closing Protection Letter Missing or Defective | Closing protection letter is missing mortgagee clause after lender's name. Please provide updated CPL with ISAOA/ATIMA verbiage | XX/XX/XXXX: please see attached | XX/XX/XXXX: Received |  | Cleared | 8/22/2025 | C A |
| XXX | XXX | 304751784 | XXX | 8/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/1/2025 | A |
| XXX | XXX | 304751786 | XXX | 8/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/1/2025 | A |
| XXX | XXX | 304755078 | XXX | 8/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/1/2025 | A |
| XXX | XXX | 304728247 | XXX | 8/1/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | FICO XXX LTV 65%, DSCR XX/XX/XXXX | Acknowledged | 8/1/2025 | B |
| XXX | XXX | 304751796 | XXX | 8/1/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Provided title insurance is a preliminary policy with no coverage amount or mortgagee clause. Please provide a title supplement or updated title insurance to meet guideline requirements. | XX/XX/XXXX: Waived via XXX email | XX/XX/XXXX: Waived via XXX email | XX/XX/XXXX months reserves, FICO XXX LTV 65% | Acknowledged | 8/1/2025 | B |
| XXX | XXX | 304748420 | XXX | 8/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/1/2025 | A |
| XXX | XXX | 304751795 | XXX | 8/1/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Provided title insurance is a preliminary policy with no coverage amount or mortgagee clause. Please provide a title supplement or updated title insurance to meet guideline requirements. | XX/XX/XXXX: Waived via XXX email | XX/XX/XXXX: Waived via XXX email | XXX months reserves, FICO XXX LTV 63.31% | Acknowledged | 8/1/2025 | B |
| XXX | XXX | 304751795 | XXX | 8/1/2025 | Property | Appraisal Review | Appraisal Review - Missing or Defective | AVM has a confidence score of XXX% which is less than the XXX% minimum required per rating agencies. Please provide updated appraisal review | XX/XX/XXXX: CDA | XX/XX/XXXX: Received |  | Cleared | 8/7/2025 | C A |
| XXX | XXX | 304749769 | XXX | 8/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/1/2025 | A |
| XXX | XXX | 304729322 | XXX | 8/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/4/2025 | A |
| XXX | XXX | 304724012 | XXX | 8/4/2025 | Credit | Title or Lien | Chain of Title Missing or Defective | Missing XXX month Chain Of Title For Subject property : XXX , XXX, NY XXX | XX/XX/XXXX: attached | XX/XX/XXXX: Received |  | Cleared | 8/7/2025 | D A |
| XXX | XXX | 304715497 | XXX | 8/4/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | FICO XXX LTV 64.75%, months reserves XXX | Acknowledged | 8/4/2025 | B |
| XXX | XXX | 304756736 | XXX | 8/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/4/2025 | A |
| XXX | XXX | 304765324 | XXX | 8/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/4/2025 | A |
| XXX | XXX | 304751808 | XXX | 8/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/4/2025 | A |
| XXX | XXX | 304749432 | XXX | 8/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/4/2025 | A |
| XXX | XXX | 304745141 | XXX | 8/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/4/2025 | A |
| XXX | XXX | 304759021 | XXX | 8/4/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/4/2025 | B |
| XXX | XXX | 304759816 | XXX | 8/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/4/2025 | A |
| XXX | XXX | 304756843 | XXX | 8/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/5/2025 | A |
| XXX | XXX | 304754861 | XXX | 8/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/5/2025 | A |
| XXX | XXX | 304733037 | XXX | 8/5/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Provided title insurance is a preliminary policy with no coverage amount. Please provide a title supplement or updated title insurance to meet guideline requirements. | XX/XX/XXXX: Waived via XXX email | XX/XX/XXXX: Waived via XXX email | XXX months reserves, LTV 35.47%, DSCR XX/XX/XXXX | Acknowledged | 8/5/2025 | B |
| XXX | XXX | 304758436 | XXX | 8/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/5/2025 | A |
| XXX | XXX | 304758437 | XXX | 8/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/5/2025 | A |
| XXX | XXX | 304731015 | XXX | 8/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/5/2025 | A |
| XXX | XXX | 304758050 | XXX | 8/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/5/2025 | A |
| XXX | XXX | 304763226 | XXX | 8/5/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | FICO XXX DSCR XXX months reserves XXX | Acknowledged | 8/5/2025 | B |
| XXX | XXX | 304745159 | XXX | 8/5/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required. | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | LTV 35.47%, DSCR XXX months reserves XXX | Acknowledged | 8/5/2025 | B |
| XXX | XXX | 304733036 | XXX | 8/5/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required. | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | FICO XXX DSCR XXX months reserves XXX | Acknowledged | 8/5/2025 | B |
| XXX | XXX | 304747356 | XXX | 8/5/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required. | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | FICO XXX DSCR XXX LTV XXX | Acknowledged | 8/5/2025 | B |
| XXX | XXX | 304733038 | XXX | 8/5/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Provided title insurance is a preliminary policy with no coverage amount and mortgagee clause. Please provide a title supplement or updated title insurance to meet guideline requirements. | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | FICO XXX DSCR XXX months reserves XXX | Acknowledged | 8/5/2025 | B |
| XXX | XXX | 304766002 | XXX | 8/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/5/2025 | A |
| XXX | XXX | 304733037 | XXX | 8/5/2025 | Property | General Eligibility | Exterior Inspection Missing or Defective | Upon exterior inspection of the property there is more than one single family residence on the same lot which is ineligible. | XX/XX/XXXX: Waiver in file | XX/XX/XXXX: Waived via email in file | XXX months reserves, LTV 60%, DSCR XX/XX/XXXX | Acknowledged | 8/5/2025 | B |
| XXX | XXX | 304733037 | XXX | 8/5/2025 | Property | Insurance | Hazard Insurance Missing or Defective | Effective date of insurance is after loan. Hazard insurance effective date reflects XX/XX/XXXX and note date reflects XX/XX/XXXX | XX/XX/XXXX: attached | XX/XX/XXXX: Received |  | Cleared | 8/20/2025 | C A |
| XXX | XXX | 304730146 | XXX | 8/6/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/6/2025 | A |
| XXX | XXX | 304747357 | XXX | 8/6/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/6/2025 | A |
| XXX | XXX | 304736665 | XXX | 8/6/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required. | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | FICO XXX DSCR XXX months reserves XXX | Acknowledged | 8/6/2025 | B |
| XXX | XXX | 304722334 | XXX | 8/6/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/6/2025 | A |
| XXX | XXX | 304766112 | XXX | 8/6/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/6/2025 | A |
| XXX | XXX | 304760470 | XXX | 8/6/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/6/2025 | A |
| XXX | XXX | 304745105 | XXX | 8/6/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/6/2025 | A |
| XXX | XXX | 304731833 | XXX | 8/6/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/6/2025 | A |
| XXX | XXX | 304760364 | XXX | 8/6/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/6/2025 | A |
| XXX | XXX | 304734205 | XXX | 8/6/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/6/2025 | A |
| XXX | XXX | 304758051 | XXX | 8/6/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/6/2025 | A |
| XXX | XXX | 304733088 | XXX | 8/6/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/6/2025 | A |
| XXX | XXX | 304764086 | XXX | 8/6/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/6/2025 | A |
| XXX | XXX | 304733025 | XXX | 8/6/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/6/2025 | A |
| XXX | XXX | 304736665 | XXX | 8/6/2025 | Property | Flood Insurance | Flood Insurance Missing or Defective | Missing Flood Insurance Policy Number | XX/XX/XXXX: please see attached please clear thank you | XX/XX/XXXX: Received |  | Cleared | 8/12/2025 | D A |
| XXX | XXX | 304748423 | XXX | 8/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/7/2025 | A |
| XXX | XXX | 304757926 | XXX | 8/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/7/2025 | A |
| XXX | XXX | 304760472 | XXX | 8/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/7/2025 | A |
| XXX | XXX | 304756742 | XXX | 8/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/7/2025 | A |
| XXX | XXX | 304764420 | XXX | 8/7/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | FICO XXX DSCR XXX LTV 73.19% | Acknowledged | 8/7/2025 | B |
| XXX | XXX | 304765332 | XXX | 8/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/7/2025 | A |
| XXX | XXX | 304754871 | XXX | 8/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/7/2025 | A |
| XXX | XXX | 304749719 | XXX | 8/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/7/2025 | A |
| XXX | XXX | 304749963 | XXX | 8/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/7/2025 | A |
| XXX | XXX | 304763233 | XXX | 8/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/7/2025 | A |
| XXX | XXX | 304758980 | XXX | 8/7/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Provided title insurance is a preliminary policy with no coverage amount. Please provide updated title insurance to meet guideline requirements. | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | FICO XXX LTV 73.19%, XXX months reserves | Acknowledged | 8/7/2025 | B |
| XXX | XXX | 304745161 | XXX | 8/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/7/2025 | A |
| XXX | XXX | 304748424 | XXX | 8/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/7/2025 | A |
| XXX | XXX | 304760373 | XXX | 8/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/7/2025 | A |
| XXX | XXX | 304760363 | XXX | 8/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/8/2025 | A |
| XXX | XXX | 304749436 | XXX | 8/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/8/2025 | A |
| XXX | XXX | 304768655 | XXX | 8/8/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | FICO XXX DSCR XXX LTV 55% | Acknowledged | 8/8/2025 | B |
| XXX | XXX | 304759815 | XXX | 8/8/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | FICO XXX DSCR XXX Months Reserves XXX | Acknowledged | 8/8/2025 | B |
| XXX | XXX | 304769735 | XXX | 8/8/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | FICO XXX DSCR XXX LTV 57.48% | Acknowledged | 8/8/2025 | B |
| XXX | XXX | 304760365 | XXX | 8/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/8/2025 | A |
| XXX | XXX | 304756856 | XXX | 8/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/8/2025 | A |
| XXX | XXX | 304751722 | XXX | 8/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/8/2025 | A |
| XXX | XXX | 304733035 | XXX | 8/8/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Provided title insurance is a preliminary policy with no coverage amount. Please provide updated title insurance to meet guideline requirements. | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | FICO XXX DSCR XXX LTV 57.48% | Acknowledged | 8/8/2025 | B |
| XXX | XXX | 304736658 | XXX | 8/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/8/2025 | A |
| XXX | XXX | 304749438 | XXX | 8/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/11/2025 | A |
| XXX | XXX | 304777306 | XXX | 8/12/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/12/2025 | A |
| XXX | XXX | 304766113 | XXX | 8/12/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/12/2025 | A |
| XXX | XXX | 304768642 | XXX | 8/12/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/12/2025 | A |
| XXX | XXX | 304765852 | XXX | 8/12/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/12/2025 | A |
| XXX | XXX | 304749434 | XXX | 8/11/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | DSCR XXX FICO XXX months reserves | Acknowledged | 8/11/2025 | B |
| XXX | XXX | 304759523 | XXX | 8/12/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/12/2025 | A |
| XXX | XXX | 304752389 | XXX | 8/12/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/12/2025 | A |
| XXX | XXX | 304759809 | XXX | 8/12/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/12/2025 | A |
| XXX | XXX | 304734664 | XXX | 8/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/11/2025 | A |
| XXX | XXX | 304751785 | XXX | 8/12/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/12/2025 | A |
| XXX | XXX | 304732121 | XXX | 8/12/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/12/2025 | A |
| XXX | XXX | 304754985 | XXX | 8/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/11/2025 | A |
| XXX | XXX | 304731821 | XXX | 8/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/11/2025 | A |
| XXX | XXX | 304732790 | XXX | 8/12/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/12/2025 | A |
| XXX | XXX | 304726349 | XXX | 8/12/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/12/2025 | A |
| XXX | XXX | 304765327 | XXX | 8/12/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/12/2025 | A |
| XXX | XXX | 304733033 | XXX | 8/12/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | LTV 68.18%, FICO XXX months reserves | Acknowledged | 8/12/2025 | B |
| XXX | XXX | 304745112 | XXX | 8/12/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/12/2025 | A |
| XXX | XXX | 304734765 | XXX | 8/12/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/12/2025 | A |
| XXX | XXX | 304736171 | XXX | 8/12/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/12/2025 | A |
| XXX | XXX | 304768207 | XXX | 8/12/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/12/2025 | A |
| XXX | XXX | 304758430 | XXX | 8/12/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required. | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | LTV 69.86%, FICO XXX months reserves | Acknowledged | 8/12/2025 | B |
| XXX | XXX | 304757466 | XXX | 8/12/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/12/2025 | A |
| XXX | XXX | 304751798 | XXX | 8/12/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | LTV 59.70%, FICO XXX DSCR XX/XX/XXXX | Acknowledged | 8/12/2025 | B |
| XXX | XXX | 304734830 | XXX | 8/12/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/12/2025 | A |
| XXX | XXX | 304768644 | XXX | 8/12/2025 | Property | Flood Insurance | Flood Insurance Missing or Defective | Missing flood insurance for the subject property: XXX | XX/XX/XXXX: Please see attached. | XX/XX/XXXX: Received |  | Cleared | 8/19/2025 | D A |
| XXX | XXX | 304745110 | XXX | 8/12/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required. | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | DSCR XXX FICO XXX months reserves | Acknowledged | 8/12/2025 | B |
| XXX | XXX | 304769629 | XXX | 8/13/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/13/2025 | A |
| XXX | XXX | 304763336 | XXX | 8/13/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | DSCR XXX FICO XXX months reserves | Acknowledged | 8/13/2025 | B |
| XXX | XXX | 304751703 | XXX | 8/13/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/13/2025 | A |
| XXX | XXX | 304767970 | XXX | 8/13/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/13/2025 | A |
| XXX | XXX | 304754926 | XXX | 8/13/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/13/2025 | A |
| XXX | XXX | 304760474 | XXX | 8/13/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/13/2025 | A |
| XXX | XXX | 304730736 | XXX | 8/13/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/13/2025 | A |
| XXX | XXX | 304715502 | XXX | 8/13/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | DSCR XXX FICO XXX months reserves | Acknowledged | 8/13/2025 | A |
| XXX | XXX | 304745111 | XXX | 8/13/2025 | Property | Insurance | Hazard Insurance Missing or Defective | Hazard insurance policy is missing mortgagee clause after lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage | XX/XX/XXXX: See attached updated policy | XX/XX/XXXX: Received |  | Cleared | 8/20/2025 | C A |
| XXX | XXX | 304759826 | XXX | 8/13/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | DSCR XXX FICO XXX months reserves | Acknowledged | 8/13/2025 | B |
| XXX | XXX | 304754868 | XXX | 8/13/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/13/2025 | A |
| XXX | XXX | 304758053 | XXX | 8/13/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/13/2025 | A |
| XXX | XXX | 304757943 | XXX | 8/13/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/13/2025 | A |
| XXX | XXX | 304777814 | XXX | 8/13/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/13/2025 | A |
| XXX | XXX | 304754808 | XXX | 8/13/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/13/2025 | A |
| XXX | XXX | 304765912 | XXX | 8/13/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/13/2025 | A |
| XXX | XXX | 304735834 | XXX | 8/13/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | LTV 78.05%, FICO XXX months reserves | Acknowledged | 8/13/2025 | B |
| XXX | XXX | 304745111 | XXX | 8/13/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | LTV 30.77%, FICO XXX months reserves | Acknowledged | 8/13/2025 | B |
| XXX | XXX | 304769721 | XXX | 8/13/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | LTV 30.77%, FICO XXX months reserves | Acknowledged | 8/13/2025 | B |
| XXX | XXX | 304760480 | XXX | 8/13/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/13/2025 | A |
| XXX | XXX | 304726357 | XXX | 8/13/2025 | Property | Appraisal Documentation | Appraisal Missing or Defective | date in the appraisal reflects XX/XX/XXXX, please provide updated appraisal with accurate appraisal date. | XX/XX/XXXX: See attached updated appraisal | XX/XX/XXXX: Received |  | Cleared | 8/21/2025 | C A |
| XXX | XXX | 304768656 | XXX | 8/14/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/14/2025 | A |
| XXX | XXX | 304764428 | XXX | 8/14/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | LTV 30.77%, FICO XXX months reserves | Acknowledged | 8/14/2025 | B |
| XXX | XXX | 304769719 | XXX | 8/14/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/14/2025 | A |
| XXX | XXX | 304757931 | XXX | 8/14/2025 | Credit | Title/Lien | Title Insurance Missing or Defective | Provided title insurance is a preliminary policy with no coverage amount or mortgagee clause. Please provide a title supplement or updated title insurance to meet guideline requirements. | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | LTV 30.77%, FICO XXX months reserves | Acknowledged | 8/14/2025 | B |
| XXX | XXX | 304768641 | XXX | 8/14/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/14/2025 | A |
| XXX | XXX | 304751787 | XXX | 8/13/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/13/2025 | A |
| XXX | XXX | 304777479 | XXX | 8/15/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/15/2025 | A |
| XXX | XXX | 304765382 | XXX | 8/15/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/15/2025 | A |
| XXX | XXX | 304760366 | XXX | 8/15/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/15/2025 | A |
| XXX | XXX | 304777320 | XXX | 8/15/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Provided title insurance is a preliminary policy with no mortgagee clause. Please provide a title supplement with ISAOA and coverage amount to meet guideline requirements. | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | LTV 55.63%, FICO XXX months reserves | Acknowledged | 8/15/2025 | B |
| XXX | XXX | 304757941 | XXX | 8/15/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/15/2025 | A |
| XXX | XXX | 304749718 | XXX | 8/15/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/15/2025 | A |
| XXX | XXX | 304765919 | XXX | 8/15/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/15/2025 | A |
| XXX | XXX | 304759817 | XXX | 8/18/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/18/2025 | A |
| XXX | XXX | 304768925 | XXX | 8/18/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/18/2025 | A |
| XXX | XXX | 304728243 | XXX | 8/18/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/18/2025 | A |
| XXX | XXX | 304764082 | XXX | 8/18/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/18/2025 | A |
| XXX | XXX | 304768562 | XXX | 8/18/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 8/18/2025 | A |
| XXX | XXX | 304774666 | XXX | 8/18/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/18/2025 | A |
| XXX | XXX | 304758434 | XXX | 8/18/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/18/2025 | A |
| XXX | XXX | 304779531 | XXX | 8/18/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/18/2025 | A |
| XXX | XXX | 304732795 | XXX | 8/18/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/18/2025 | A |
| XXX | XXX | 304757456 | XXX | 8/19/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/19/2025 | A |
| XXX | XXX | 304766836 | XXX | 8/18/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | DSCR XXX LTV 55.63%, XXX | Acknowledged | 8/18/2025 | B |
| XXX | XXX | 304774667 | XXX | 8/19/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/19/2025 | A |
| XXX | XXX | 304777321 | XXX | 8/19/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/19/2025 | A |
| XXX | XXX | 304763335 | XXX | 8/19/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/19/2025 | A |
| XXX | XXX | 304768653 | XXX | 8/19/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/19/2025 | A |
| XXX | XXX | 304720526 | XXX | 8/19/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/19/2025 | A |
| XXX | XXX | 304736664 | XXX | 8/19/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/19/2025 | A |
| XXX | XXX | 304754806 | XXX | 8/19/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/19/2025 | A |
| XXX | XXX | 304736663 | XXX | 8/19/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/19/2025 | A |
| XXX | XXX | 304754809 | XXX | 8/19/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/19/2025 | A |
| XXX | XXX | 304768200 | XXX | 8/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/20/2025 | A |
| XXX | XXX | 304756852 | XXX | 8/20/2025 | Credit | Credit Documentation | Entity Documentation - Missing or Defective | Missing Operating Agreement for XXX | XX/XX/XXXX XXX: Please see attached copy of the operating agreement | XX/XX/XXXX: Received |  | Cleared | 8/25/2025 | D A |
| XXX | XXX | 304769715 | XXX | 8/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/20/2025 | A |
| XXX | XXX | 304765918 | XXX | 8/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/20/2025 | A |
| XXX | XXX | 304736172 | XXX | 8/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/20/2025 | A |
| XXX | XXX | 304757936 | XXX | 8/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/20/2025 | A |
| XXX | XXX | 304768210 | XXX | 8/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/20/2025 | A |
| XXX | XXX | 304751794 | XXX | 8/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/20/2025 | A |
| XXX | XXX | 304768662 | XXX | 8/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/20/2025 | A |
| XXX | XXX | 304759020 | XXX | 8/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/20/2025 | A |
| XXX | XXX | 304757469 | XXX | 8/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/20/2025 | A |
| XXX | XXX | 304780138 | XXX | 8/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/21/2025 | A |
| XXX | XXX | 304756743 | XXX | 8/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/21/2025 | A |
| XXX | XXX | 304768661 | XXX | 8/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/21/2025 | A |
| XXX | XXX | 304816011 | XXX | 8/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/21/2025 | A |
| XXX | XXX | 304813219 | XXX | 8/21/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | FICO XXX LTV 65.70%, XXX | Acknowledged | 8/21/2025 | B |
| XXX | XXX | 304769798 | XXX | 8/21/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | FICO XXX LTV 48.56%, DSRC XX/XX/XXXX | Acknowledged | 8/21/2025 | B |
| XXX | XXX | 304757930 | XXX | 8/21/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | FICO XXX LTV 72.86%, XXX months reserves | Acknowledged | 8/21/2025 | B |
| XXX | XXX | 304757930 | XXX | 8/21/2025 | Credit | Hazard Insurance | Hazard Insurance Missing or Defective | Missing Hazard Policy Number | XX/XX/XXXX XXX: attached | XX/XX/XXXX: Received |  | Cleared | 8/25/2025 | D A |
| XXX | XXX | 304733024 | XXX | 8/22/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/22/2025 | A |
| XXX | XXX | 304765847 | XXX | 8/22/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/22/2025 | A |
| XXX | XXX | 304812515 | XXX | 8/22/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/22/2025 | A |
| XXX | XXX | 304777308 | XXX | 8/22/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/22/2025 | A |
| XXX | XXX | 304768209 | XXX | 8/22/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | FICO XXX LTV 43.79%, XXX months reserves | Acknowledged | 8/22/2025 | B |
| XXX | XXX | 304816465 | XXX | 8/22/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Provided title insurance is a preliminary policy with no coverage amount or mortgagee clause. Please provide a title supplement with ISAOA and coverage amount to meet guideline requirements. | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | FICO XXX LTV 79.41%, XXX months reserves | Acknowledged | 8/22/2025 | B |
| XXX | XXX | 304768660 | XXX | 8/22/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/22/2025 | A |
| XXX | XXX | 304768566 | XXX | 8/22/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/22/2025 | A |
| XXX | XXX | 304789506 | XXX | 8/22/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | FICO XXX LTV 79.41%, XXX months reserves | Acknowledged | 8/22/2025 | B |
| XXX | XXX | 304811435 | XXX | 8/25/2025 | Credit | Credit Documentation | Subject Property Lease - Missing or Defective | Missing Current Lease Agreement for Subject Property : XXX | XX/XX/XXXX: see attached | XX/XX/XXXX: Received |  | Cleared | 8/27/2025 | D A |
| XXX | XXX | 304764097 | XXX | 8/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/25/2025 | A |
| XXX | XXX | 304696958 | XXX | 8/25/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | DSCR XXX FICO XXX XX months reserves | Acknowledged | 8/25/2025 | B |
| XXX | XXX | 304811448 | XXX | 8/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/25/2025 | A |
| XXX | XXX | 304730834 | XXX | 8/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/25/2025 | A |
| XXX | XXX | 304731014 | XXX | 8/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/25/2025 | A |
| XXX | XXX | 304789512 | XXX | 8/25/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | DSCR XXX FICO XXX months reserves | Acknowledged | 8/25/2025 | B |
| XXX | XXX | 304789502 | XXX | 8/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/25/2025 | A |
| XXX | XXX | 304813309 | XXX | 8/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/25/2025 | A |
| XXX | XXX | 304756838 | XXX | 8/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/25/2025 | A |
| XXX | XXX | 304817641 | XXX | 8/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/25/2025 | A |
| XXX | XXX | 304813315 | XXX | 8/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/25/2025 | A |
| XXX | XXX | 304814759 | XXX | 8/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/25/2025 | A |
| XXX | XXX | 304776897 | XXX | 8/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/25/2025 | A |
| XXX | XXX | 304767963 | XXX | 8/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/26/2025 | A |
| XXX | XXX | 304766839 | XXX | 8/26/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | DSCR XXX FICO XXX months reserves | Acknowledged | 8/26/2025 | B |
| XXX | XXX | 304749905 | XXX | 8/26/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | DSCR XXX LTV 72.93%, XXX months reserves | Acknowledged | 8/26/2025 | B |
| XXX | XXX | 304754446 | XXX | 8/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/26/2025 | A |
| XXX | XXX | 304777486 | XXX | 8/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/26/2025 | A |
| XXX | XXX | 304768647 | XXX | 8/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/26/2025 | A |
| XXX | XXX | 304764262 | XXX | 8/27/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/27/2025 | A |
| XXX | XXX | 304776892 | XXX | 8/27/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | DSCR XXX FICO XXX months reserves | Acknowledged | 8/27/2025 | B |
| XXX | XXX | 304812530 | XXX | 8/27/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | DSCR XXX LTV 72.93%, XXX months reserves | Acknowledged | 8/27/2025 | B |
| XXX | XXX | 304731826 | XXX | 8/28/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | DSCR XXX LTV 72.93%, FICO XXX | Acknowledged | 8/28/2025 | B |
| XXX | XXX | 304816459 | XXX | 8/28/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/28/2025 | A |
| XXX | XXX | 304768652 | XXX | 8/28/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/28/2025 | A |
| XXX | XXX | 304780141 | XXX | 8/28/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/28/2025 | A |
| XXX | XXX | 304734820 | XXX | 8/28/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/28/2025 | A |
| XXX | XXX | 304757921 | XXX | 8/28/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/28/2025 | A |
| XXX | XXX | 304768204 | XXX | 8/28/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/28/2025 | A |
| XXX | XXX | 304812527 | XXX | 8/28/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/28/2025 | A |
| XXX | XXX | 304777307 | XXX | 8/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/29/2025 | A |
| XXX | XXX | 304696957 | XXX | 8/29/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via email | XX/XX/XXXX: Waived via email | FICO XXX DSCR XXX Months Reserves | Acknowledged | 8/29/2025 | B |
| XXX | XXX | 304766003 | XXX | 8/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/29/2025 | A |
| XXX | XXX | 304820256 | XXX | 8/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/29/2025 | A |
| XXX | XXX | 304811436 | XXX | 8/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/29/2025 | A |
| XXX | XXX | 304764089 | XXX | 8/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/29/2025 | A |
| XXX | XXX | 304777485 | XXX | 8/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/29/2025 | A |
| XXX | XXX | 304777812 | XXX | 8/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/29/2025 | A |
| XXX | XXX | 304754853 | XXX | 8/29/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay |  | Acknowledged | 1/0/1900 | B |
| XXX | XXX | 304779998 | XXX | 8/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/29/2025 | A |
| XXX | XXX | 304813075 | XXX | 8/29/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | FICO XXX DSCR XXX Months Reserves | Acknowledged | 8/29/2025 | B |
| XXX | XXX | 304819221 | XXX | 9/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 9/2/2025 | A |
| XXX | XXX | 304758744 | XXX | 9/2/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | FICO XXX DSCR XXX LTV 67.69% | Acknowledged | 9/2/2025 | B |
| XXX | XXX | 304789503 | XXX | 9/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 9/2/2025 | A |
| XXX | XXX | 304812519 | XXX | 9/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 9/3/2025 | A |
| XXX | XXX | 304748771 | XXX | 9/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 9/3/2025 | A |
| XXX | XXX | 304243876 | XXX | 4/9/2024 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 4/9/2024 | A |
| XXX | XXX | 304351711 | XXX | 7/18/2024 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/18/2024 | A |
| XXX | XXX | 304398733 | XXX | 10/7/2024 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: $XXX coverage | XX/XX/XXXX: Received updated title |  | Cleared | 11/6/2024 | C A |
| XXX | XXX | 304398733 | XXX | 10/7/2024 | Credit | Debt Service Coverage Ratio Eligibility | DSCR Minimum Not Met | XXX DSCR < XX/XX/XXXX minimum DSCR required. Monthly breakdown is as follows: Income XXX / P&I XXX + Property Taxes XXX + Hazard Insurance $XXX. | XX/XX/XXXX: The DSCR on this loan was qualified using market rent and the Interest-Only payment for the first ten years of XXX Market rent of XXX against housing costs of XXX equals a DSCR >XXX | XX/XX/XXXX: Rescinded |  | Cleared | 11/1/2024 | C A |
| XXX | XXX | 304398733 | XXX | 10/7/2024 | Property | Appraisal Documentation | Exterior Inspection Missing or Defective | Property is located in an impacted disaster area. Please provide exterior inspection following post disaster guideline requirements. | XX/XX/XXXX: PDI | XX/XX/XXXX: Waived via email | XXX, XXX months reserves, LTV 68.22% | Acknowledged | 10/17/2024 | C B |
| XXX | XXX | 304398733 | XXX | 10/7/2024 | Credit | Application/Processing | Entity Documentation - Missing or Defective | Missing executed operating agreement from borrower XXX | XX/XX/XXXX: I am unable to locate any closing document that show XXX as a borrower. Neither the Guaranty, Note, or Mortgage is signed by XXX. Please advise | XX/XX/XXXX: Rescinded |  | Cleared | 11/1/2024 | C A |
| XXX | XXX | 304384009 | XXX | 10/9/2024 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 10/9/2024 | A |
| XXX | XXX | 304459203 | XXX | 12/4/2024 | Credit | Closing Documentation | Deed Missing or Defective | Missing conveyance deed from to XXX And XXX | XX/XX/XXXX: warranty deed | XX/XX/XXXX: Received |  | Cleared | 12/5/2024 | D A |
| XXX | XXX | 304459072 | XXX | 12/4/2024 | Property | Insurance | Hazard Insurance Missing or Defective | Hazard insurance policy is missing lender's name and mortgage clause. Please provide updated hazard policy with ISAOA/ATIMA verbiage after lender's name | XX/XX/XXXX: Hazard policy with lenders mortgagee clause and ISAOA/ATIMA language | XX/XX/XXXX: Received updated HOI policy |  | Cleared | 1/7/2025 | C A |
| XXX | XXX | 304439243 | XXX | 12/11/2024 | Credit | Closing Documentation | Deed Missing or Defective | Missing conveyance deed from XXX and XXX. | XXX XX/XX/XXXX Please see attached conveyance deed from XXX and XXX. | XX/XX/XXXX: Received |  | Cleared | 12/12/2024 | D A |
| XXX | XXX | 304390747 | XXX | 12/17/2024 | Credit | Application/Processing | Entity Documentation - Missing or Defective | Missing corporate resolution for | XX/XX/XXXX XXX: Please see attached document | XX/XX/XXXX: Received |  | Cleared | 12/20/2024 | D A |
| XXX | XXX | 304497350 | XXX | 2/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 2/5/2025 | A |
| XXX | XXX | 304483559 | XXX | 2/12/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 2/12/2025 | A |
| XXX | XXX | 304632165 | XXX | 2/14/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via email | XX/XX/XXXX: Waived via email | LTV 72.13%, FICO XXX DSCR XX/XX/XXXX | Acknowledged | 3/3/2025 | C B |
| XXX | XXX | 304632165 | XXX | 2/14/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Final Title Commitment Schedule A is missing mortgagee clause after lender's name. Please provide updated title policy with ISAOA/ATIMA | XX/XX/XXXX XXX: According to the guidelines Within the ALTA Loan Policy of Title Insurance XXX v. XX/XX/XXXX (XX/XX/XXXX) language there is an inherent guarantee that the policy extends to the assignee of the insured mortgage. "Future owner of the indebtedness" means the same as ISAOA, as it is the successor or assignee XX/XX/XXXX: Waived via email | XX/XX/XXXX: XXX requires ISAOA/ATIMA verbiage in the mortgagee clause, please provide updated title XXX: Waived via email | DSCR XXX FICO XXX LTV 69.57% | Acknowledged | 3/3/2025 | C B |
| XXX | XXX | 304636606 | XXX | 2/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 2/25/2025 | A |
| XXX | XXX | 304638570 | XXX | 2/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 2/25/2025 | A |
| XXX | XXX | 304492570 | XXX | 3/10/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 3/10/2025 | A |
| XXX | XXX | 304492477 | XXX | 3/10/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 3/10/2025 | A |
| XXX | XXX | 304492569 | XXX | 3/10/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 3/10/2025 | A |
| XXX | XXX | 304482909 | XXX | 3/10/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 3/10/2025 | A |
| XXX | XXX | 304457931 | XXX | 11/27/2024 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum insurance required | XX/XX/XXXX: title | XX/XX/XXXX: Received |  | Cleared | 12/5/2024 | C A |
| XXX | XXX | 304632888 | XXX | 2/24/2025 | Property | Insurance | Hazard Insurance Missing or Defective | Hazard insurance policy is missing mortgage clause after Lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage | XX/XX/XXXX: Please see attached. | XX/XX/XXXX: Received hazard insurance |  | Cleared | 3/28/2025 | C A |
| XXX | XXX | 304632888 | XXX | 2/24/2025 | Credit | Title/Lien | Title Insurance Missing or Defective | Commitment Title Schedule A Item XXX(b) is missing mortgagee clause after lender's name. Please provide updated title policy with ISAOA/ATIMA verbiage after XXX. | XX/XX/XXXX XXX: The title commitment is the ALTA Owners Policy XX/XX/XXXX. This policy specifically has language there is an inherent guarantee that the policy extends to the assignee of the insured mortgage. "Future owner of the indebtedness" means the same as ISAOA, so we can proceed given the fact it is ALTA Loan Policy of Title Insurance XXX v. XX/XX/XXXX (XX/XX/XXXX). | XX/XX/XXXX: Agree, clear |  | Cleared | 3/31/2025 | C A |
| XXX | XXX | 304665724 | XXX | 3/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 3/26/2025 | A |
| XXX | XXX | 304643133 | XXX | 3/27/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: please see attached | XX/XX/XXXX: Received |  | Cleared | 4/3/2025 | C A |
| XXX | XXX | 304640042 | XXX | 3/27/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via XXX email | XX/XX/XXXX: Waived via XXX email | FICO XXX LTV 69.57%, months reserves XXX | Acknowledged | 4/23/2025 | B |
| XXX | XXX | 304639967 | XXX | 3/28/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 3/28/2025 | A |
| XXX | XXX | 304665191 | XXX | 3/31/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 3/31/2025 | A |
| XXX | XXX | 304665721 | XXX | 4/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 4/3/2025 | A |
| XXX | XXX | 304676843 | XXX | 4/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 4/7/2025 | A |
| XXX | XXX | 304643480 | XXX | 4/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 4/8/2025 | A |
| XXX | XXX | 304681124 | XXX | 4/11/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: please see attached doc | XX/XX/XXXX: Received |  | Cleared | 4/21/2025 | C A |
| XXX | XXX | 304679544 | XXX | 4/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 4/11/2025 | A |
| XXX | XXX | 304681124 | XXX | 4/11/2025 | Property | Insurance | Hazard insurance Missing or Defective | Hazard insurance policy is missing mortgagee clause after lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage | XX/XX/XXXX: updated HOI attached | XX/XX/XXXX: Received |  | Cleared | 4/15/2025 | C A |
| XXX | XXX | 304637119 | XXX | 4/16/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 4/16/2025 | A |
| XXX | XXX | 304572231 | XXX | 4/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 4/17/2025 | A |
| XXX | XXX | 304681722 | XXX | 4/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 4/22/2025 | A |
| XXX | XXX | 304685880 | XXX | 4/29/2025 | Credit | Application/Processing | Entity Documentation - Missing or Defective | Missing Executed operating agreement for "XXX " | XX/XX/XXXX XXX: Please see attached document | XX/XX/XXXX: Received |  | Cleared | 5/6/2025 | D A |
| XXX | XXX | 304682197 | XXX | 4/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 4/30/2025 | A |
| XXX | XXX | 304672359 | XXX | 4/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 4/30/2025 | A |
| XXX | XXX | 304688366 | XXX | 5/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 5/5/2025 | A |
| XXX | XXX | 304428931 | XXX | 12/9/2024 | Property | Closing Documentation | Deed Missing or Defective | Missing conveyance deed from XXX to XXX | XX/XX/XXXX XXX: Please see attached deed | XX/XX/XXXX: Received deed |  | Cleared | 12/13/2024 | D A |
| XXX | XXX | 304428931 | XXX | 12/9/2024 | Credit | Debt Service Coverage Ratio Eligibility | DSCR Minimum Not Met | XXX DSCR < XX/XX/XXXX minimum DSCR required. Monthly breakdown is as follows: Income XXX + P&I XXX Property Taxes XXX + Hazard Insurance XXX + XXX Flood | XX/XX/XXXX: Subject property PITIa is XXX / Rental income amount is XX/XX/XXXX DSCR | XX/XX/XXXX: Waived via email XXX: Lease is being transferred to the borrower per purchase contract. Actual income of XXX is lower and being used as the qualifying income | FICO XXX months reserves, XXX | Acknowledged | 2/25/2025 | C B |
| XXX | XXX | 304487918 | XXX | 3/19/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Missing XXX-month chain of title for subject property: XXX | XX/XX/XXXX: please see attached Doc XXX XX/XX/XXXX | XX/XX/XXXX: Received |  | Cleared | 6/6/2025 | D A |
| XXX | XXX | 304641642 | XXX | 3/20/2025 | Credit | Loan Documentation | Closing Documentation Missing or Defective | Missing settlement Statement | XX/XX/XXXX: This is a business purpose loan. The attached funding Statement is the settlement Statement | XX/XX/XXXX: Received |  | Cleared | 3/21/2025 | D A |
| XXX | XXX | 304613729 | XXX | 4/9/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: please see attached | XX/XX/XXXX: Received |  | Cleared | 4/15/2025 | C A |
| XXX | XXX | 304613729 | XXX | 4/9/2025 | Credit | Closing Documentation | Note Missing or Defective | Audit prepayment penalty of XXX months does not align with client tape prepayment penalty of XXX months. Final CD and executed addendum in file reflect XXX months PPP. There is no change in circumstance document removing the prepayment penalty. | XXX XX/XX/XXXX Please see attached Change of Circumstance and Closing Disclosure from XX/XX/XXXX that shows the Prepayment penalty was added and disclosure to the borrower. | XX/XX/XXXX: Confirmed XXX month PPP |  | Cleared | 4/17/2025 | C A |
| XXX | XXX | 304654861 | XXX | 4/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 4/17/2025 | A |
| XXX | XXX | 304688318 | XXX | 5/5/2025 | Credit | Application/Processing | Entity Documentation - Missing or Defective | Missing executed Corporate resolution for | XX/XX/XXXX XXX: Please see attached docs XX/XX/XXXX XXX: Please see attached document | XX/XX/XXXX: Majority consent received XXX: Operating agreement requires majority consent from members to bind the company to a mortgage contract. Please provide evidence of majority consent from members |  | Cleared | 5/8/2025 | D A |
| XXX | XXX | 304693606 | XXX | 5/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 5/8/2025 | A |
| XXX | XXX | 304694300 | XXX | 5/15/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 5/15/2025 | A |
| XXX | XXX | 304700225 | XXX | 5/19/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 5/19/2025 | A |
| XXX | XXX | 304705717 | XXX | 5/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 5/21/2025 | A |
| XXX | XXX | 304693393 | XXX | 5/21/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via XXX email | XX/XX/XXXX: Waived via XXX email | XXX Months Reserves, FICO XXX LTV 69.57% | Acknowledged | 5/21/2025 | B |
| XXX | XXX | 304702047 | XXX | 5/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 5/21/2025 | A |
| XXX | XXX | 304705154 | XXX | 5/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 5/23/2025 | A |
| XXX | XXX | 304710370 | XXX | 5/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 5/29/2025 | A |
| XXX | XXX | 304708750 | XXX | 5/29/2025 | Credit | Debt Service Coverage Ratio Eligibility | DSCR Minimum Not Met | XXX DSCR < XX/XX/XXXX minimum DSCR required. Monthly breakdown is as follows: Income $XXX/P&I XXX /Property Taxes XXX /Hazard Insurance $XXX. | XX/XX/XXXX: Please clear. Additional exception was cleared and DSCR was calculated at XX/XX/XXXX according to commentary | XX/XX/XXXX: Received |  | Cleared | 6/3/2025 | C A |
| XXX | XXX | 304708750 | XXX | 5/29/2025 | Property | Debt Service Coverage Ratio Eligibility | Subject Property Lease - Missing or Defective | Missing Lease Agreement of UNIT XXX & UNIT XXX for Subject property: XXX | XX/XX/XXXX XXX: attached | XX/XX/XXXX: STR income received, DSCR XX/XX/XXXX |  | Cleared | 6/2/2025 | D A |
| XXX | XXX | 304681122 | XXX | 5/30/2025 | Credit | Debt Service Coverage Ratio Eligibility | DSCR Minimum Not Met | XXX DSCR < XX/XX/XXXX minimum DSCR required. Monthly breakdown is as follows: Income $XXX/P&I $XXX/Property Taxes $XXX/Hazard Insurance $XXX+HOA $XXX. | XX/XX/XXXX: It appears that XXX is using the rent schedule. Please see the attached documentation for the short term rental calculation. Final Gross Monthly Rent Figure is $XXX. | XX/XX/XXXX: Received |  | Cleared | 6/3/2025 | C A |
| XXX | XXX | 304708749 | XXX | 5/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 5/30/2025 | A |
| XXX | XXX | 304705649 | XXX | 5/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 5/30/2025 | A |
| XXX | XXX | 304704921 | XXX | 5/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 5/30/2025 | A |
| XXX | XXX | 304700279 | XXX | 5/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 5/30/2025 | A |
| XXX | XXX | 304701026 | XXX | 5/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 5/30/2025 | A |
| XXX | XXX | 304702042 | XXX | 6/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/2/2025 | A |
| XXX | XXX | 304684689 | XXX | 6/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/2/2025 | A |
| XXX | XXX | 304698300 | XXX | 6/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/2/2025 | A |
| XXX | XXX | 304692701 | XXX | 6/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/2/2025 | A |
| XXX | XXX | 304677287 | XXX | 6/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/3/2025 | A |
| XXX | XXX | 304692188 | XXX | 6/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/3/2025 | A |
| XXX | XXX | 304697121 | XXX | 6/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/3/2025 | A |
| XXX | XXX | 304707912 | XXX | 6/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/3/2025 | A |
| XXX | XXX | 304696949 | XXX | 6/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/3/2025 | A |
| XXX | XXX | 304710681 | XXX | 6/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/3/2025 | A |
| XXX | XXX | 304692694 | XXX | 6/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/5/2025 | A |
| XXX | XXX | 304699131 | XXX | 6/5/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX Title insurance coverage < XXX minimum coverage required. | XX/XX/XXXX: Waived via XXX email | XX/XX/XXXX: Waived via XXX email | DSCR XXX FICO XXX LTV 69.57% | Acknowledged | 6/5/2025 | B |
| XXX | XXX | 304710332 | XXX | 6/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/5/2025 | A |
| XXX | XXX | 304707917 | XXX | 6/5/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX Title insurance coverage < $XXX minimum coverage required. | XX/XX/XXXX: Waived via XXX email | XX/XX/XXXX: Waived via XXX email | Months Reserves XXX FICO XXX LTV 69.57% | Acknowledged | 6/5/2025 | B |
| XXX | XXX | 304694961 | XXX | 6/6/2025 | Credit | Closing Documentation | Note Missing or Defective | Audit prepayment penalty of XXX months does not align with client tape prepayment penalty of XXX months. Final CD in file reflects XXX months PPP and there is a change in circumstance document reflecting a change from a XXX month PPP to a XXX month PPP. | XX/XX/XXXX: Please see attached Change of Circumstance and Closing Disclosure from XX/XX/XXXX that shows the Prepayment penalty was added and the disclosure was sent to the borrower. | XX/XX/XXXX: Received |  | Cleared | 6/9/2025 | C A |
| XXX | XXX | 304693725 | XXX | 6/6/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/6/2025 | A |
| XXX | XXX | 304707987 | XXX | 6/6/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/6/2025 | A |
| XXX | XXX | 304709889 | XXX | 6/6/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/6/2025 | A |
| XXX | XXX | 304700944 | XXX | 6/9/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX Title insurance coverage < XXX minimum coverage required. | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | DSCR XXX FICO XXX LTV 69.57% | Acknowledged | 6/9/2025 | B |
| XXX | XXX | 304699520 | XXX | 6/9/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/9/2025 | A |
| XXX | XXX | 304702439 | XXX | 6/9/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX Title insurance coverage < XXX minimum coverage required. | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | DSCR XXX FICO XXX LTV 69.57% | Acknowledged | 6/9/2025 | B |
| XXX | XXX | 304695774 | XXX | 6/9/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/9/2025 | A |
| XXX | XXX | 304700278 | XXX | 6/9/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/9/2025 | A |
| XXX | XXX | 304710824 | XXX | 6/9/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/9/2025 | A |
| XXX | XXX | 304716777 | XXX | 6/9/2025 | Credit | Application/Processing | Entity Documentation - Missing or Defective | Missing corporate resolution or operating agreement for XXX | XX/XX/XXXX: Please see attached document | XX/XX/XXXX: Rescinded |  | Cleared | 6/11/2025 | D A |
| XXX | XXX | 304700355 | XXX | 6/9/2025 | Property | Ineligible Property | Property Listed for Sale on Refinance Transaction | Subject property is listed for sale. Property listing must be fully removed/withdrawn prior to closing | XX/XX/XXXX: Please see attached document | XX/XX/XXXX: Received |  | Cleared | 6/11/2025 | C A |
| XXX | XXX | 304710827 | XXX | 6/9/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Provided title insurance is a preliminary policy with no coverage amount or mortgagee clause. Please provide a title supplement or updated title insurance to meet guideline requirements. | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | DSCR XXX FICO XXX LTV 74.45% | Acknowledged | 6/9/2025 | B |
| XXX | XXX | 304572232 | XXX | 6/10/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/10/2025 | A |
| XXX | XXX | 304702612 | XXX | 6/10/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/10/2025 | A |
| XXX | XXX | 304702436 | XXX | 6/10/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required. | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | DSCR XXX FICO XXX XX/XX/XXXX months reserves | Acknowledged | 6/10/2025 | B |
| XXX | XXX | 304702557 | XXX | 6/10/2025 | Credit | Closing Documentation | Note Missing or Defective | Audit prepayment penalty of XXX months does not align with client tape prepayment penalty of XXX months. Final CD in file reflects XXX months PPP and there is a change in circumstance document reflecting a change from a XXX month PPP to a XXX month PPP. | XX/XX/XXXX: Please see attached Change of Circumstance and Closing Disclosure from XX/XX/XXXX that shows the Prepayment penalty was added and the disclosure was sent to the borrower. | XX/XX/XXXX: Received |  | Cleared | 6/11/2025 | C A |
| XXX | XXX | 304705447 | XXX | 6/10/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/10/2025 | A |
| XXX | XXX | 304693483 | XXX | 6/10/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/10/2025 | A |
| XXX | XXX | 304702436 | XXX | 6/10/2025 | Credit | Closing Documentation | Note Missing or Defective | Audit prepayment penalty of XXX months does not align with client tape prepayment penalty of XXX months. Final CD in file reflects XXX months PPP and there is a change in circumstance document reflecting a change from a XXX month PPP to a XXX month PPP. | XX/XX/XXXX: Please see attached Change of Circumstance and Closing Disclosure from XX/XX/XXXX that shows the Prepayment penalty was added and the disclosure was sent to the borrower. | XX/XX/XXXX: Received |  | Cleared | 6/11/2025 | C A |
| XXX | XXX | 304716590 | XXX | 6/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/11/2025 | A |
| XXX | XXX | 304717995 | XXX | 6/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/11/2025 | A |
| XXX | XXX | 304694957 | XXX | 6/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/11/2025 | A |
| XXX | XXX | 304721837 | XXX | 6/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/11/2025 | A |
| XXX | XXX | 304710321 | XXX | 6/12/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/12/2025 | A |
| XXX | XXX | 304717996 | XXX | 6/12/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/12/2025 | A |
| XXX | XXX | 304716775 | XXX | 6/12/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/12/2025 | A |
| XXX | XXX | 304681131 | XXX | 6/12/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/12/2025 | A |
| XXX | XXX | 304702602 | XXX | 6/12/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX Title insurance coverage < XXX minimum coverage required. | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | Months Reserves XXX FICO XXX LTV 72.46% | Acknowledged | 6/12/2025 | B |
| XXX | XXX | 304705644 | XXX | 6/12/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/12/2025 | A |
| XXX | XXX | 304688486 | XXX | 6/13/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/13/2025 | A |
| XXX | XXX | 304693717 | XXX | 6/16/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/16/2025 | A |
| XXX | XXX | 304716870 | XXX | 6/16/2025 | Property | Hazard Insurance | Hazard Insurance Missing or Defective | Hazard insurance policy is missing mortgagee clause after lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage | XX/XX/XXXX XXX: Please see attached document | XX/XX/XXXX: Received |  | Cleared | 6/20/2025 | C A |
| XXX | XXX | 304705715 | XXX | 6/16/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/16/2025 | A |
| XXX | XXX | 304702611 | XXX | 6/16/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/16/2025 | A |
| XXX | XXX | 304720535 | XXX | 6/16/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/16/2025 | A |
| XXX | XXX | 304700216 | XXX | 6/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/17/2025 | A |
| XXX | XXX | 304726362 | XXX | 6/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/17/2025 | A |
| XXX | XXX | 304710684 | XXX | 6/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/17/2025 | A |
| XXX | XXX | 304716866 | XXX | 6/18/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX Title Insurance coverage is < XXX of minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | LTV 72.46%, FICO XXX months reserves | Acknowledged | 6/18/2025 | B |
| XXX | XXX | 304700925 | XXX | 6/18/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/18/2025 | A |
| XXX | XXX | 304717994 | XXX | 6/18/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/18/2025 | A |
| XXX | XXX | 304708835 | XXX | 6/18/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/18/2025 | A |
| XXX | XXX | 304716522 | XXX | 6/19/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/19/2025 | A |
| XXX | XXX | 304700348 | XXX | 6/19/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/19/2025 | A |
| XXX | XXX | 304709888 | XXX | 6/19/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/19/2025 | A |
| XXX | XXX | 304700927 | XXX | 6/23/2025 | Property | Hazard Insurance | Hazard Insurance Missing or Defective | Hazard insurance policy is missing with mortgagee clause after lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage | XX/XX/XXXX: Please see attached document | XX/XX/XXXX: Received |  | Cleared | 6/27/2025 | D A |
| XXX | XXX | 304707990 | XXX | 6/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/23/2025 | A |
| XXX | XXX | 304655573 | XXX | 6/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/23/2025 | A |
| XXX | XXX | 304715507 | XXX | 6/23/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX Title Insurance coverage is < XXX of minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | DSCR XXX FICO XXX months reserves | Acknowledged | 6/23/2025 | B |
| XXX | XXX | 304710686 | XXX | 6/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/23/2025 | A |
| XXX | XXX | 304717605 | XXX | 6/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/23/2025 | A |
| XXX | XXX | 304708752 | XXX | 6/23/2025 | Property | Hazard Insurance | Hazard Insurance Missing or Defective | Missing windstorm insurance in the amount of XXX reflected on closing disclosure | XX/XX/XXXX XXX: Please see attached copy | XX/XX/XXXX: Received |  | Cleared | 7/7/2025 | D A |
| XXX | XXX | 304715507 | XXX | 6/23/2025 | Property | Title or Lien | Payoff Statement Missing or Defective | Title reflects small claims judgement of XXX certificates of assessment of XXX and certificates of assesment of $XXX. Please provide evidence of payoff or release for all three. | XX/XX/XXXX CW: See attached, liens were paid off with borrowers refinance on their REO | XX/XX/XXXX: Received |  | Cleared | 6/24/2025 | C A |
| XXX | XXX | 304707175 | XXX | 6/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/24/2025 | A |
| XXX | XXX | 304709881 | XXX | 6/24/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX Title Insurance coverage is < XXX of minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | FICO XXX months reserves, DSCR XX/XX/XXXX | Acknowledged | 6/24/2025 | B |
| XXX | XXX | 304710325 | XXX | 6/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/24/2025 | A |
| XXX | XXX | 304727455 | XXX | 6/24/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required. | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | FICO XXX months reserves, DSCR XX/XX/XXXX | Acknowledged | 6/24/2025 | B |
| XXX | XXX | 304727167 | XXX | 6/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/24/2025 | A |
| XXX | XXX | 304720746 | XXX | 6/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/24/2025 | A |
| XXX | XXX | 304705741 | XXX | 6/24/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | FICO XXX LTV 69.96%, DSCR XXX | Acknowledged | 6/24/2025 | B |
| XXX | XXX | 304705741 | XXX | 6/24/2025 | Property | Appraisal Review | Appraisal Review - Missing | Missing appraisal 1004D for subject property: XXX | XX/XX/XXXX: Please see the attached property inspection report confirming no repairs being required. Per Fannie Mae B4-XXX-XXX, Property Condition and Quality of Construction of the Improvements (XX/XX/XXXX), a 1004d is not required. | XX/XX/XXXX: Received |  | Cleared | 6/25/2025 | D A |
| XXX | XXX | 304717987 | XXX | 6/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/24/2025 | A |
| XXX | XXX | 304699521 | XXX | 6/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/25/2025 | A |
| XXX | XXX | 304721835 | XXX | 6/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/25/2025 | A |
| XXX | XXX | 304721832 | XXX | 6/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/25/2025 | A |
| XXX | XXX | 304728253 | XXX | 6/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/26/2025 | A |
| XXX | XXX | 304727787 | XXX | 6/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/26/2025 | A |
| XXX | XXX | 304728720 | XXX | 6/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/26/2025 | A |
| XXX | XXX | 304724414 | XXX | 6/27/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/27/2025 | A |
| XXX | XXX | 304726457 | XXX | 6/27/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/27/2025 | A |
| XXX | XXX | 304726659 | XXX | 6/27/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/27/2025 | A |
| XXX | XXX | 304717988 | XXX | 6/27/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required. | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | FICO XXX months reserves, LTV 69.96% | Acknowledged | 6/27/2025 | B |
| XXX | XXX | 304724715 | XXX | 6/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/30/2025 | A |
| XXX | XXX | 304707910 | XXX | 6/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/30/2025 | A |
| XXX | XXX | 304723759 | XXX | 6/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/30/2025 | A |
| XXX | XXX | 304723819 | XXX | 7/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/1/2025 | A |
| XXX | XXX | 304729021 | XXX | 7/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/1/2025 | A |
| XXX | XXX | 304692017 | XXX | 7/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/1/2025 | A |
| XXX | XXX | 304711627 | XXX | 7/1/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | FICO XXX months reserves, DSCR XX/XX/XXXX | Acknowledged | 7/1/2025 | B |
| XXX | XXX | 304731343 | XXX | 7/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/2/2025 | A |
| XXX | XXX | 304726455 | XXX | 7/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/2/2025 | A |
| XXX | XXX | 304716923 | XXX | 7/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/2/2025 | A |
| XXX | XXX | 304721829 | XXX | 7/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/2/2025 | A |
| XXX | XXX | 304717749 | XXX | 7/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/2/2025 | A |
| XXX | XXX | 304728745 | XXX | 7/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/2/2025 | A |
| XXX | XXX | 304727463 | XXX | 7/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/3/2025 | A |
| XXX | XXX | 304731829 | XXX | 7/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/3/2025 | A |
| XXX | XXX | 304727465 | XXX | 7/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/3/2025 | A |
| XXX | XXX | 304727464 | XXX | 7/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/3/2025 | A |
| XXX | XXX | 304731816 | XXX | 7/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/3/2025 | A |
| XXX | XXX | 304719434 | XXX | 7/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/3/2025 | A |
| XXX | XXX | 304721834 | XXX | 7/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/7/2025 | A |
| XXX | XXX | 304722384 | XXX | 7/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/8/2025 | A |
| XXX | XXX | 304732793 | XXX | 7/9/2025 | Credit | Appraisal Review | Appraisal Review - Missing | Missing appraisal review for subject property: XXX | XX/XX/XXXX: CDA XX/XX/XXXX: Please see attached document. | XX/XX/XXXX: Received XXX: Attached document is the appraisal. Finding is regarding a missing appraisal review as CU score is >XXX. Please provide appraisal review for subject property |  | Cleared | 7/16/2025 | D A |
| XXX | XXX | 304710818 | XXX | 7/9/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/9/2025 | A |
| XXX | XXX | 304745113 | XXX | 7/10/2025 | Credit | Appraisal Review | Appraisal Review - Missing | Missing appraisal review for subject property: XXX | XX/XX/XXXX: AVM XX/XX/XXXX: Please see attached copy of appraisal. | XX/XX/XXXX: Received XXX: Finding is in regard to a missing appraisal review product as the CU score in file Cleared 7/14/2025 D A D A D A D A D A D A |  |  |  |  |
| XXX | XXX | 304734665 | XXX | 7/10/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/10/2025 | A |
| XXX | XXX | 304724416 | XXX | 7/10/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/10/2025 | A |
| XXX | XXX | 304733085 | XXX | 7/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/11/2025 | A |
| XXX | XXX | 304729947 | XXX | 7/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/11/2025 | A |
| XXX | XXX | 304730741 | XXX | 7/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/11/2025 | A |
| XXX | XXX | 304727441 | XXX | 7/14/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/14/2025 | A |
| XXX | XXX | 304712995 | XXX | 7/14/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/14/2025 | A |
| XXX | XXX | 304729946 | XXX | 7/14/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/14/2025 | A |
| XXX | XXX | 304732791 | XXX | 7/14/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/14/2025 | A |
| XXX | XXX | 304726354 | XXX | 7/14/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/14/2025 | A |
| XXX | XXX | 304733089 | XXX | 7/14/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/14/2025 | A |
| XXX | XXX | 304729953 | XXX | 7/14/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | FICO XXX LTV 22.99%, XXX months reserves | Acknowledged | 7/14/2025 | B |
| XXX | XXX | 304732237 | XXX | 7/14/2025 | Credit | Credit Documentation | Entity Documentation Missing or Defective | Missing operating agreement for: XXX | XX/XX/XXXX: Please see attached document | XX/XX/XXXX: Received |  | Cleared | 7/17/2025 | D A |
| XXX | XXX | 304729952 | XXX | 7/14/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/14/2025 | A |
| XXX | XXX | 304745109 | XXX | 7/15/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/15/2025 | A |
| XXX | XXX | 304730742 | XXX | 7/15/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/15/2025 | A |
| XXX | XXX | 304732236 | XXX | 7/15/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/15/2025 | A |
| XXX | XXX | 304722333 | XXX | 7/16/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/16/2025 | A |
| XXX | XXX | 304749995 | XXX | 7/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/17/2025 | A |
| XXX | XXX | 304734829 | XXX | 7/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/17/2025 | A |
| XXX | XXX | 304716526 | XXX | 7/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/17/2025 | A |
| XXX | XXX | 304726345 | XXX | 7/17/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Provided title insurance is a preliminary policy with no coverage amount or mortgagee clause. Please provide a title supplement or updated title insurance to meet guideline requirements. | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | FICO XXX LTV of 72.45%, XXX months reserves | Acknowledged | 7/17/2025 | B |
| XXX | XXX | 304734828 | XXX | 7/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/17/2025 | A |
| XXX | XXX | 304392906 | XXX | 10/17/2024 | Property | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. - The subject county is being offered XXX assistance for the Hurricane Helene (DR-XXX-FL), which was recently declared on XX/XX/XXXX and now requires a PDI. | PDI | Property Inspection Provided. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/17/2024 | C A |
| XXX | XXX | 304392906 | XXX | 10/04/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR ##_CW_##, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/04/2024 | A |
| XXX | XXX | 304392906 | XXX | 10/04/2024 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/04/2024 | A |
| XXX | XXX | 304392906 | XXX | 10/03/2024 | Property | Appraisal | Property/Appraisal General | Property/Appraisal guideline violation: The subject transaction is for a cash-out refinance of a new construction Primary Residence owned by borrower for over a year, however, the Appraisal report reflects that the subject property is vacant as borrower was living with parents waiting for completion of subject property. Because subject is a owner occupied property, appraisal would need to reflect same. However, the loan file contains a lender approved exception to bypass appraisal correction and move forward with closing. The Lender identified the following compensating factors to justify this approval; DTI >= XXX% lower than program maximum, no credit events in the past XXX-months and XXX plus years credit history. Exception downgraded to a level 2/B. |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Acknowledged |  | Yes B |
| XXX | XXX | 304392902 | XXX | 10/04/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR 1002.14(a)(XXX)) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML loan with established escrows and met appraisal requirements. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/04/2024 | A |
| XXX | XXX | 304392902 | XXX | 10/04/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/04/2024 | A |
| XXX | XXX | 304392902 | XXX | 10/04/2024 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/04/2024 | A |
| XXX | XXX | 304392878 | XXX | 05/01/2025 | Property | Missing Doc | HOA Questionnaire is Incomplete | HOA Questionnaire incomplete Financial information questions were not answered on the HOA Questionnaire. Audit is unable to determine if Condo has pending litigation. | HOA Questionnaire is not required as we have Fannie Mae condo project approval. | Explanation provided is sufficient. Exception resolved.; HOA Questionnaire Provided | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 72.45% is less than Guideline LTV of 53.19% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 05/01/2025 | B A |
| XXX | XXX | 304392878 | XXX | 04/25/2025 | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Guidelines require XXX months reserves for first-time homebuyers. Based on the verified assets of XXX the cash to close requirement of XXX and the XXX months reserves totaling XXX the documented assets are short XXX to meet the program requirements. | Borrower's total available assets on loan are XXX (#XXX #XXX XXX XXX% # XXX #XXX $XXX, XXX (IRA, XXX%) $XXX). And assets available for reserves are XXX | Explanation provided is sufficient. Exception resolved.; Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 53.19% is less than Guideline CLTV of 53.19% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 04/25/2025 | C A |
| XXX | XXX | 304392878 | XXX | 10/23/2024 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). | Supporting document provided; Please see attached Invoice for Appraisal paid by borrower | Evidence of appraisal delivery provided.; The document provided does not confirm the borrower received a copy of the appraisal at least XXX days prior to consummation. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 53.19% is less than Guideline CLTV of 53.19% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/23/2024 | B A |
| XXX | XXX | 304392878 | XXX | 10/23/2024 | Compliance | TRID | Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.35(c)(6)) | Evidence of Appraisal Delivery to the Borrower XXX. | Supporting document provided; Please see attached Invoice for Appraisal paid by borrower | Evidence of Appraisal Delivery to the Borrower Provided.; The document provided does not confirm the borrower received a copy of the appraisal at least XXX days prior to consummation. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 53.19% is less than Guideline CLTV of 53.19% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/23/2024 | C A |
| XXX | XXX | 304392878 | XXX | 10/23/2024 | Credit | Income/Employment | Borrower 1 IRS Transcripts Do Not Match Income Docs | Borrower 1 IRS Transcripts Do Not Match Income Docs The XXX IRS tax transcripts reflect no record of returns filed for B1. The XXX tax returns were utilized in the calculation of the qualifying income. Missing verification that IRS received/processed the XXX tax returns and that they match the XXX personal returns provided. | Please see attached exception form; Requested document provided | The Borrower's qualifying income was calculated utilizing the XXX and XXX tax returns. After a review of the IRS Transcript information, the IRS does not have a record of ever receiving a XXX tax return. The XXX tax return cannot be used for qualifying. However, the loan file contains a Lender approved exception allowing the file to proceed as is. The Lender identified the following compensating factors to justify the exception; residual income greater than XXX no credit events in the past XXX months, XXX years credit history, no consumer late payments in the last XXX months, XXX Borrowers on the loan, credit score great than XXX points over minimum required, reserves greater than XXX months. Exception downgraded to a level 2/B.; Document provided is the request for the transcripts, the XXX-C. The actual transcripts reflecting the income for XXX and matching those to the returns provided in the file are what is requested. Exception remains. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 53.19% is less than Guideline CLTV of 53.19% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | No C B |
| XXX | XXX | 304392878 | XXX | 10/14/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in LTV 10% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML not compliant as evidence of delivery of appraisal to Borrowers not in file. | Supporting document provided; Please see attached Invoice for Appraisal paid by borrower | HPML compliant, appraisal delivery provided; Exception resolved; The document provided does not confirm the borrower received a copy of the appraisal at least XXX days prior to consummation. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 53.19% is less than Guideline CLTV of 53.19% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/14/2024 | C A |
| XXX | XXX | 304392847 | XXX | 10/06/2024 | Credit | Eligibility | Potential Fraud Reflected on Fraud Report | Potential Fraud Reflected on Fraud Report Fraud Report shows borrower once owned the subject property, sold it, and is now purchasing the unit again. It further States that the of the subject is XXX% below. | We had AVM on file with FSD score XXX and Value $XXX. Regard the property ownership it's different unit number ubject property has unit #XXX and the one borrower resided was #XXX e had LOX on file on relationship between seller and borrower.; We had AVM on file with FSD score XXX and Value $XXX. | Explanation provided is sufficient. Exception resolved.; Potential Fraud Reflected on Fraud Report is Resolved or None Exists | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 10/06/2024 | C A |
| XXX | XXX | 304392847 | XXX | 09/25/2024 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 09/25/2024 | A |
| XXX | XXX | 304392847 | XXX | 09/25/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 09/25/2024 | A |
| XXX | XXX | 304392847 | XXX | 09/25/2024 | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Lender Exception in file for the Reserves on XXX-day AMEX account. Lender exception documented in file and supported by the following compensating factors: No credit events past XXX months, No mortgage late payments in the last XXX months, No consumer late payments in the last XXX months. Exception downgraded to a level 2/B. |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Acknowledged |  | Yes B |
| XXX | XXX | 304392770 | XXX | 10/08/2024 | Credit | Missing Doc | Missing Letter of Explanation (Credit) | The lender approved the loan file with a back-end DTI of XXX% with a total debt of $XXX. However, audit calculated DTI at XXX% with a total debt of XXX which is a XXX variance. There is no evidence in the loan file as to where the lender is calculating a total debt of XXX after subject rental loss ($XXX), primary residence PITIA XXX and all other debts XXX reflected on the credit report were included. Lender to provided all total debts calculated and documentation to support. | Updated final XXX with DTI of XXX% provided | Document provided is sufficient. Exception resolved. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 10/08/2024 | D A |
| XXX | XXX | 304392770 | XXX | 10/02/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 10/02/2024 | A |
| XXX | XXX | 304392770 | XXX | 10/02/2024 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 10/02/2024 | A |
| XXX | XXX | 304392770 | XXX | 10/02/2024 | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | The co-borrower's employment authorization document category C18 is not eligible per lender guidelines. However, a lender approved exception was in file granting approval to accept the EAD and proceed to closing. The lender identified the following compensating factors to justify this approval; XXX years on current job, DTI >=XXX% lower than loan program and no credit events past XXX-months. Exception downgraded to a level 2/B. |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Acknowledged |  | Yes B |
| XXX | XXX | 304392767 | XXX | 09/22/2025 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing as required by guidelines. | Paystub was used as VOE, this is allowed by XXX Guidelines. Please refer to page XXX of the credit package uploaded to the portal. | Document provided is sufficient, Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 09/22/2025 | D A |
| XXX | XXX | 304392767 | XXX | 10/06/2024 | Credit | Missing Doc | Flood Insurance Policy Partially Provided | Flood Insurance Policy Partially Provided The subject property is a condo and in a Flood Zone and per guidelines a stand-alone flood insurance dwelling policy for an attached condo unit are not acceptable. A master condo flood insurance must be maintained by the HOA, but was not in file. The loan file only contains a master hazard insurance policy. | Exception form was included in credit package. Please refer to page XXX | Document provided is sufficient. Exception resolved.; Flood Insurance Policy is fully present | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 10/06/2024 | D A |
| XXX | XXX | 304392767 | XXX | 10/06/2024 | Credit | Insurance | Flood Insurance Minimum Coverage Not Met | Flood Insurance Coverage Amount does not meet minimum required coverage amount The subject property is a condo and in a flood zone, which requires flood insurance with replacement cost, but replacement cost was separate. However, a lender approved exception is in the loan file allowing separate replacement cost insurance on a condo purchase. The lender identified the following compensating factors to justify the approval; XXX plus years credit history, credit score >XXX points than minimum required, and borrower contribution exceeds requirements >=XXX%. Exception downgraded to a level 2/B. | Exception Form is on file |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Acknowledged |  | Yes B |
| XXX | XXX | 304392767 | XXX | 10/02/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 10/02/2024 | A |
| XXX | XXX | 304392767 | XXX | 10/02/2024 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 10/02/2024 | A |
| XXX | XXX | 304392744 | XXX | 10/06/2024 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Required Affiliated Business Disclosure Missing | Please see attached doc | Affiliated attestation provided; Exception resolved; Required Affiliated Business Disclosure Resolved | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 10/06/2024 | B A |
| XXX | XXX | 304392744 | XXX | 10/02/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML with established escrows and appraisal requirements met. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR ##_DD_## , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 10/02/2024 | A |
| XXX | XXX | 304392744 | XXX | 10/02/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 10/02/2024 | A |
| XXX | XXX | 304392744 | XXX | 10/02/2024 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 10/02/2024 | A |
| XXX | XXX | 304392716 | XXX | 10/09/2024 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing The ABA is missing from the loan file. | Please see attached doc | Affiliated attestation provided; Exception resolved; Required Affiliated Business Disclosure Resolved | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/09/2024 | B A |
| XXX | XXX | 304392716 | XXX | 10/09/2024 | Compliance | TRID | Higher-Priced Mortgage Loan Appraisal Delivery to the Borrower is Greater than 3 days Prior to Consummation (12 CFR 1026.35(c)(6)) | Confirmation of Appraisal delivery date to the borrower of XX/XX/XXXX is less than XXX days prior to consummation of XX/XX/XXXX. Missing evidence borrower received the appraisal report at least XXX business days prior to loan closing. | Please see attached doc | Date of Borrower Receipt of Appraisal exceeds XXX business days from, or Unable to Determine | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/09/2024 | C A |
| XXX | XXX | 304392716 | XXX | 10/08/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Unable to downgrade HPML. Missing evidence borrower received the appraisal report at least XXX business days prior to loan closing. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR ##_DD_## , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Please see attached doc | Appraisal delivery provided; HPML compliant, Exception resolved | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/08/2024 | C A |
| XXX | XXX | 304392716 | XXX | 10/02/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/02/2024 | A |
| XXX | XXX | 304392716 | XXX | 10/02/2024 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/02/2024 | A |
| XXX | XXX | 304392700 | XXX | 10/08/2024 | Credit | Income/Employment | Income documentation does not meet guidelines | The lender condition approval required updated IRS wage/XXX transcripts to support borrower's work history with XXX as reflected on the Final 1003, but missing. Further, missing XXX transcripts for the borrower's XXXs. | Please see response from our UW attached \| | Document provided is sufficient. Exception resolved. |  | Resolved | 10/08/2024 | C A |
| XXX | XXX | 304392700 | XXX | 10/08/2024 | Credit | Title | Title issue | Missing the E&O insurance for XXX | the E&O in the file. Please find attached. \| also please see response from our UW attached. \| \| | Document provided is sufficient. Exception resolved. |  | Resolved | 10/08/2024 | C A |
| XXX | XXX | 304392700 | XXX | 10/04/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML loan with established escrows and met appraisal requirements. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR ##_DD_## , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant |  | Resolved | 10/04/2024 | A |
| XXX | XXX | 304392700 | XXX | 10/04/2024 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only; Informational Only |  | Resolved | 10/04/2024 | A |
| XXX | XXX | 304392700 | XXX | 10/01/2024 | Credit | Missing Doc | Flood Insurance Policy Partially Provided | Flood Insurance Policy Partially Provided The flood insurance in file does not meet lender guidelines as the roof coverage is no on replacement cost, but only actual cash value. However, a lender approved exception in the loan file granted approval to accept the flood insurance policy as is, and identified the following compensating factors to justify the approval; DTI >=XXX% lower than loan program, XXX plus years credit history and 12 CFR ##_DD_## , below maximum. Exception downgraded to a level 2/B. |  |  |  | Acknowledged |  | Yes B |
| XXX | XXX | 304392679 | XXX | 10/04/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML with established escrows and appraisal requirements met. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR ##_DD_## , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 10/04/2024 | A |
| XXX | XXX | 304392679 | XXX | 10/04/2024 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 10/04/2024 | A |
| XXX | XXX | 304392679 | XXX | 10/01/2024 | Credit | Assets | Borrower Contributions Do Not Met Guideline Minimum | Percent of Borrowers Funds for Down Payment of XXX% does not meet guideline minimum XXX% The Borrower is required to contribute at least XXX% towards the down payment and closing costs on the subject transaction when the LTV is over XXX% The Borrower did not contribute the required XXX% However, the loan file contains a lender approved exception for not meeting the XXX% contribution. The Lender identified the following compensating factors to justify this exception: Borrower has XXX years on current job, residual income is greater than XXX years in the same line of employment, and reserves are greater than XXX months. Exception downgraded to a level 2/B. |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Acknowledged |  | Yes B |
| XXX | XXX | 304483492 | XXX | 01/20/2025 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR ##_CL_##),. Appraisal receipt is missing from file. |  | Exception is non-material and graded as level 2/B. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Acknowledged |  | No B |
| XXX | XXX | 304483492 | XXX | 01/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 01/17/2025 | A |
| XXX | XXX | 304483492 | XXX | 01/17/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 01/17/2025 | A |
| XXX | XXX | 304811491 | XXX | 08/25/2025 | Credit | Missing Doc | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Business purpose cert is missing. Copy in the file is not executed. | XX/XX/XXXX - Rebuttal/Comment: Please not that this not apply to XXX program and this is not a business purpose loan | Documentation is sufficient. Not a Business Purpose loan. Exception rescinded.; Business Purpose Affidavit/Disclosure Provided; Business Purpose Affidavit/Disclosure Missing |  | Rescinded |  | A |
| XXX | XXX | 304811491 | XXX | 08/22/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/22/2025 | A |
| XXX | XXX | 304811491 | XXX | 08/22/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/22/2025 | A |
| XXX | XXX | 304811488 | XXX | 08/26/2025 | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). Documentation Required: Missing Credit Score Disclosure (FACTA) from the file | Please see attached. Thank you. ; Please see page XXX-XXX of the loan package, also uploaded. Thank you. | FACTA Credit Score Disclosure is provided.; Document provided is the privacy policy, provide the credit score disclosure/notice to home loan applicant to resolve | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/26/2025 | B A |
| XXX | XXX | 304811488 | XXX | 08/22/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/22/2025 | A |
| XXX | XXX | 304811488 | XXX | 08/22/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/22/2025 | A |
| XXX | XXX | 304811487 | XXX | 08/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated CLTV of 53.19% is less than Guideline CLTV of 53.19% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 53.19% is less than Guideline CCLTV of 53.19% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/20/2025 | A |
| XXX | XXX | 304811487 | XXX | 08/20/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.49% is less than Guideline LTV of 59.49% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.49% is less than Guideline CLTV of 59.49% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/20/2025 | A |
| XXX | XXX | 304811487 | XXX | 08/20/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.49% is less than Guideline LTV of 59.49% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.49% is less than Guideline CLTV of 59.49% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/20/2025 | A |
| XXX | XXX | 304811486 | XXX | 08/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.49% is less than Guideline CLTV of 59.49% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.49% is less than Guideline CCLTV of 59.49% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 08/20/2025 | A |
| XXX | XXX | 304811486 | XXX | 08/20/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.49% is less than Guideline LTV of 59.49% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.49% is less than Guideline CLTV of 59.49% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 08/20/2025 | A |
| XXX | XXX | 304811486 | XXX | 08/20/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.57% is less than Guideline LTV of 64.57% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.57% is less than Guideline CLTV of 64.57% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 08/20/2025 | A |
| XXX | XXX | 304811482 | XXX | 08/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 08/28/2025 | A |
| XXX | XXX | 304811482 | XXX | 08/28/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 08/28/2025 | A |
| XXX | XXX | 304811482 | XXX | 08/28/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 08/28/2025 | A |
| XXX | XXX | 304811476 | XXX | 08/27/2025 | Credit | Missing Doc | The Note is Incomplete | The Note is Incomplete Note discloses maximum PPP of XXX whereas final CD reflects maximum PPP of XXX Final CD disclosed PPP based original principal balance whereas Note disclosed amount prepaid in excess of XXX% of original principal balance. | Please see attached rebuttal. Thank you.; Please see attached copy of the Prepayment Penalty Note Addendum. Thank you. | Documentation is sufficient. Pre-pay correct. Exception rescinded.; The Note is Present; Pre Payment Addendum reflects the amount which exceeds XXX% of the original principal amount. The CD calculation does not calculate the XXX% amount, which makes the total possible pre pay calculation higher. Exception remains. |  | Rescinded |  | A |
| XXX | XXX | 304811476 | XXX | 08/19/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/19/2025 | A |
| XXX | XXX | 304811476 | XXX | 08/19/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/19/2025 | A |
| XXX | XXX | 304511401 | XXX | 06/02/2025 | Credit | Missing Doc | Missing Letter of Explanation (Credit) | The subject Credit Report dated XX/XX/XXXX includes credit inquiries dated XX/XX/XXXX and XX/XX/XXXX. The Lender Guideline States: Any credit inquiries on the borrower's credit report in the last XXX days must have documentation signed by the borrower explaining the inquiry and attestation of no new credit was established. If new credit was established borrowers must provide documentation on the current balance and payment and qualify accordingly. It is recommended the underwriter do additional diligence as necessary to ensure there is no undisclosed debt. The required documentation was not found in the loan file. | Document Uploaded. | ; Credit inquiry letter with ecertification provided - XX/XX/XXXX and XX/XX/XXXX inquiries shopping for a mortgage/no new credit opened. | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.57% is less than Guideline CLTV of 64.57% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.57% is less than Guideline CCLTV of 64.57% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 06/02/2025 | D A |
| XXX | XXX | 304511401 | XXX | 04/18/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.57% is less than Guideline LTV of 64.57% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.57% is less than Guideline CLTV of 64.57% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 04/18/2025 | A |
| XXX | XXX | 304511401 | XXX | 04/18/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Cleared | Original LTV is Below the Guideline Maximum - Calculated CLTV of 56.6% is less than Guideline CLTV of 56.6% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 56.6% is less than Guideline CCLTV of 56.6% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 04/18/2025 | A |
| XXX | XXX | 304687103 | XXX | 06/26/2025 | Credit | Data | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 06/26/2025 | A |
| XXX | XXX | 304687103 | XXX | 06/26/2025 | Property | Data | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 06/26/2025 | A |
| XXX | XXX | 304687103 | XXX | 06/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 06/26/2025 | A |
| XXX | XXX | 304638280 | XXX | 03/26/2025 | Property | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. The subject property is located in XXX County, XXX. On XX/XX/XXXX FEMA declared XXX County as a disaster area (FEMA XXX) with XXX assistance. The required Post Disaster Inspection was not found in the loan file. | Document Uploaded. | Property Inspection Provided.; Post Disaster Condition Report provided indicates there was no disaster related damage to the subject property. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/26/2025 | C A |
| XXX | XXX | 304638280 | XXX | 03/26/2025 | Credit | Missing Doc | The Note is Incomplete | The Note is Incomplete The signature for Borrower 2 does not match the name typed on the Note. Borrower 2 did not sign full name. | Document Uploaded. | The Note is Present; Signature/Name Affidavit provided verifies co-borrower's signature. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/26/2025 | D A |
| XXX | XXX | 304638280 | XXX | 03/26/2025 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% XXX month bank Statements Lender income XXX Audit Income 9 XX. Audit excluded XXX more in deposits for the month of XXX for the month of , XXX in , XXX in and XXX in. The DTI increased from XXX% to XXX%. | Document Uploaded. ; Document Uploaded. ; UW asked if Auditor can explain what deposits they excluded and why they felt they needed to be excluded. Borrower is a handyman and all deposits used were Zelle, Venmo and cash deposits.; UW asked for clarification on what deposits were excluded and why it was excluded. Borrower is a handyman and all deposits used were Zelle, Venmo and cash deposits. | Exception provided. Guideline max DTI is XXX% Approved for XXX%. Comp factors: LTV lower than XXX% Residual income of at least XXX per month, Mortgage currently IO, going to fully amortized. ; Audit has reviewed the lenders exception approval, however the DTI was updated to XXX% on XX/XX/XXXX, exception approval is only for XXX% we apologize for the inconvenience.; Audit has reviewed the lender's rebuttal and is providing the following information: the following deposits were excluded in the Audit income calculation: XXX: Disallowed Deposits: XXX on XX/XX/XXXX and XXX on XX/XX/XXXX (XXX) suggests these are from family. XXX: Disallowed Deposits: XXX on XX/XX/XXXX and XXX on XX/XX/XXXX (XXX) suggests these are from family. XXX: Disallowed Deposits: XXX on XX/XX/XXXX (XXX) and XXX on XX/XX/XXXX, XXX on XX/XX/XXXX, XXX on XX/XX/XXXX (XXX) suggests these are from family. XXX: Disallowed Deposits: XXX on XX/XX/XXXX (XXX) suggests this is from family. : Disallowed Deposits: XXX on XX/XX/XXXX, XXX on XX/XX/XXXX, XXX on XX/XX/XXXX, XXX on XX/XX/XXXX, and XXX on XX/XX/XXXX (XXX) suggests these are from family.; Audit has reviewed the lender's rebuttal and is providing the following information: XXX: Disallowed Deposits: XXX Breakdown: XXX (same as lender) Audit Additional Disallowed: XXX on XX/XX/XXXX and XXX on XX/XX/XXXX (XXX) suggests these are from family XXX: Disallowed Deposits: XXX Breakdown: XXX (same as lender) Audit Additional Disallowed: XXX on XX/XX/XXXX and XXX on XX/XX/XXXX (XXX) suggests these are from family XXX: Disallowed Deposits: XXX Breakdown: XXX (same as lender) Audit Additional Disallowed: XXX on XX/XX/XXXX (XXX) and XXX on XX/XX/XXXX, XXX on XX/XX/XXXX, XXX on XX/XX/XXXX (XXX) suggests these are from family XXX: Disallowed Deposits: XXX Breakdown: XXX (same as lender) Audit Additional Disallowed: XXX on XX/XX/XXXX (XXX) suggests this is from family : Disallowed Deposits: XXX Breakdown: XXX (same as lender) Audit Additional Disallowed: XXX on XX/XX/XXXX, XXX on XX/XX/XXXX, XXX on XX/XX/XXXX, XXX on XX/XX/XXXX, and XXX on XX/XX/XXXX (XXX) suggests these are from family ; Audited DTI of XXX% exceeds Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes C B |
| XXX | XXX | 304638280 | XXX | 03/19/2025 | Credit | Missing Doc | Missing Letter of Explanation (Credit) | The subject Credit Report dated XX/XX/XXXX includes a credit inquiry from XX/XX/XXXX that was not addressed. The Lender Guideline States: Any credit inquiries on the borrower's credit report in the last XXX days must have documentation signed by the borrower explaining the inquiry and attestation of no new credit was established. If new credit was established borrowers must provide documentation on the current balance and payment and qualify accordingly. It is recommended the underwriter do additional diligence as necessary to ensure there is no undisclosed debt. The required documentation was not found in the loan file. | Document Uploaded. | Satisfactory letter of explanation for inquiries provided, condition resolved. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/19/2025 | D A |
| XXX | XXX | 304638280 | XXX | 03/13/2025 | Compliance | Right to Rescind | TILA Right of Rescission Test | This loan failed the TILA right of rescission test losed-end [[(12 CFR ##_CL_##), transferred from 12 CFR ##_CL_##), Open-end [[(12 CFR ##_DO_## , transferred from XXX CFR §226.15(a)(3) he funding date is before the third business day following consummation he consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR ##_DE_## or §1026.15, or delivery of all material disclosures, whichever occurs last. Right to Cancel in file expires on XX/XX/XXXX; however, the disbursement date on the Final CD is XX/XX/XXXX. Disbursement cannot occur before the Right to Cancel expires. Please provide a copy of the PCCD or final settlement Statement with the correct disbursement date. | Document Uploaded. | PCCD provided; Exception resolved; PCCD provided; Exception resolved | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/13/2025 | C A |
| XXX | XXX | 304638262 | XXX | 02/28/2025 | Credit | Income/Employment | Borrower 1 Business Bank Statements Less Than 24 Months Provided | The subject was approved with XXX months bank Statements. Business #XXX is missing XXX months bank Statements for XX/XX/XXXX and XX/XX/XXXX. Please provide bank Statement for Business #XXX for months XX/XX/XXXX and XX/XX/XXXX. | Document Uploaded. | Missing bank Statements provided, income updated. DTI remains within guidelines, condition resolved. ; Missing bank Statements provided for review. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 02/28/2025 | C A |
| XXX | XXX | 304638262 | XXX | 02/27/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 02/27/2025 | A |
| XXX | XXX | 304638262 | XXX | 02/27/2025 | Property | Data | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 02/27/2025 | A |
| XXX | XXX | 304511328 | XXX | 02/28/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/28/2025 | A |
| XXX | XXX | 304511328 | XXX | 02/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/28/2025 | A |
| XXX | XXX | 304511328 | XXX | 02/28/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/28/2025 | A |
| XXX | XXX | 304655355 | XXX | 04/16/2025 | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. | Document Uploaded. Hi, this is a Refinance. There is a Current Policy from XX/XX/XXXX to XX/XX/XXXX on pages XXX - XXX of our package. The one you are looking at is the renewal policy for XXX - XXX At the time of funding, they have coverage. | Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is XXX.; policy dates provided | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 04/16/2025 | C A |
| XXX | XXX | 304655355 | XXX | 04/14/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 04/14/2025 | A |
| XXX | XXX | 304655355 | XXX | 04/14/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 04/14/2025 | A |
| XXX | XXX | 304638015 | XXX | 03/10/2025 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR ##_DL_##(ii)). The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date XXX. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. | Document Uploaded. | Evidence of appraisal delivery provided. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/10/2025 | B A |
| XXX | XXX | 304638015 | XXX | 03/10/2025 | Compliance | TRID | Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.35(c)(6)) | Evidence of Appraisal Delivery to the Borrower XXX. Evidence of Appraisal Delivery to the Borrower XXX. | Document Uploaded. | Evidence of Appraisal Delivery to the Borrower Provided.; Evidence of Appraisal Delivery to the Borrower XXX.; Evidence of Appraisal Delivery to the Borrower Provided.; Evidence of Appraisal Delivery to the Borrower XXX. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/10/2025 | C A |
| XXX | XXX | 304638015 | XXX | 03/07/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in §1026.19(e) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan. Unable to downgrade due to missing Evidence of Appraisal receipt within XXX business days of consummation. | Document Uploaded. | Appraisal receipt provided, HPML compliant; Exception resolved | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/07/2025 | C A |
| XXX | XXX | 304638015 | XXX | 03/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/06/2025 | A |
| XXX | XXX | 304638015 | XXX | 03/06/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/06/2025 | A |
| XXX | XXX | 304655253 | XXX | 03/23/2025 | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (§1026.19(e)]] The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required Refund in the amount of XXX Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. The XXX% tolerance violation is due to the increase in the Recording Fee from XXX to XXX and Title Endorsements from XXX to XXX on CD dated XXX. Please provide a Valid COC or Cure Package. | Document Uploaded. | PCCD and Final settlement Statement provided; Exception resolved; PCCD and Final settlement Statement provided; Exception resolved | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/23/2025 | C A |
| XXX | XXX | 304655253 | XXX | 03/20/2025 | Credit | Data | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/20/2025 | A |
| XXX | XXX | 304655253 | XXX | 03/20/2025 | Property | Data | No Property Findings | No Property Issues. Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/20/2025 | A |
| XXX | XXX | 304704806 | XXX | 05/22/2025 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The Lender XXX reflects XXX per month for the Primary Residence. The mortgage Statement in the loan file reflects the monthly payment for the Primary Residence is $XXX. The DTI increased from XXX% to XXX% which exceeds the maximum of XXX% | Document Uploaded. please see updated XXX attached from u/w | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% Updated XXX verified rental loss of $XXX. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 05/22/2025 | C A |
| XXX | XXX | 304704806 | XXX | 05/19/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 05/19/2025 | A |
| XXX | XXX | 304704806 | XXX | 05/19/2025 | Property | Data | No Property Findings | No property issues. Property and valuations related findings were not identified on the loan. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 05/19/2025 | A |
| XXX | XXX | 304695160 | XXX | 05/06/2025 | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. [[(XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Cure required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. Lender Credits disclosed on the CD dated XX/XX/XXXX as XXX and the final CD dated XX/XX/XXXX shows a final credit of XXX which is a decrease of $XXX. The file does not contain a valid COC to validate the decrease. Please provide a valid COC or cure package. | Document Uploaded. Hi, please see attached COC. | Valid COC provided; exception resolved; Valid COC provided; exception resolved | Original LTV is Below the Guideline Maximum - Calculated CLTV of 56.6% is less than Guideline CCLTV of 56.6% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 56.6% is less than Guideline CCCLTV of 56.6% | Resolved | 05/06/2025 | C A |
| XXX | XXX | 304695160 | XXX | 05/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Original LTV is Below the Guideline Maximum - Calculated CLTV of 56.6% is less than Guideline CLTV of 56.6% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 56.6% is less than Guideline CCLTV of 56.6% | Resolved | 05/05/2025 | A |
| XXX | XXX | 304695160 | XXX | 05/05/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.6% is less than Guideline LTV of 56.6% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.6% is less than Guideline CLTV of 56.6% | Resolved | 05/05/2025 | A |
| XXX | XXX | 304699881 | XXX | 05/12/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 05/12/2025 | A |
| XXX | XXX | 304695151 | XXX | 05/13/2025 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. No valid secondary valuation product was provided. | Document Uploaded. AVM | Third party valuation product provided within tolerance.; XXX avm |  | Resolved | 05/13/2025 | C A |
| XXX | XXX | 304695151 | XXX | 05/13/2025 | Property | Value | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. DU accepted the value as submitted. Value Acceptance. An Appraisal is not required. | Document Uploaded. AVM | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Allowed per DU, AVM provided. ; Ice XXX Value AVM provided; |  | Acknowledged |  | No B |
| XXX | XXX | 304695151 | XXX | 05/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared |  | Resolved | 05/05/2025 | A |
| XXX | XXX | 304695151 | XXX | 05/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared |  | Resolved | 05/05/2025 | A |
| XXX | XXX | 304694743 | XXX | 05/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 05/07/2025 | A |
| XXX | XXX | 304694743 | XXX | 05/07/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 05/07/2025 | A |
| XXX | XXX | 304680975 | XXX | 07/09/2025 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of hazard insurance on XXX | Document Uploaded. Hi, please see LOE for no HOI. | Borrower confirmed there is no hazard insurance for XXX. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 07/09/2025 | D A |
| XXX | XXX | 304680975 | XXX | 05/09/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 05/09/2025 | A |
| XXX | XXX | 304680975 | XXX | 05/09/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 05/09/2025 | A |
| XXX | XXX | 304694725 | XXX | 05/07/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR ##_CS_##)The finance charge is $2, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 05/07/2025 | A |
| XXX | XXX | 304694725 | XXX | 05/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 05/07/2025 | A |
| XXX | XXX | 304694725 | XXX | 05/07/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 05/07/2025 | A |
| XXX | XXX | 304694723 | XXX | 05/06/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in § 25) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 05/06/2025 | A |
| XXX | XXX | 304694723 | XXX | 05/06/2025 | Compliance | Points & Fees | XXX AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 05/06/2025 | A |
| XXX | XXX | 304694723 | XXX | 05/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 05/06/2025 | A |
| XXX | XXX | 304694723 | XXX | 05/06/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 05/06/2025 | A |
| XXX | XXX | 304704783 | XXX | 05/15/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.6% is less than Guideline LTV of 56.6% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.6% is less than Guideline CLTV of 56.6% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 05/15/2025 | A |
| XXX | XXX | 304704783 | XXX | 05/15/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.6% is less than Guideline LTV of 56.6% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.6% is less than Guideline CLTV of 56.6% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 05/15/2025 | A |
| XXX | XXX | 304704783 | XXX | 05/15/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.6% is less than Guideline LTV of 56.6% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.6% is less than Guideline CLTV of 56.6% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 05/15/2025 | A |
| XXX | XXX | 304699850 | XXX | 05/22/2025 | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Housing History is missing. XXX States free & Clear. However no documentation in file. Mortgage not reported on credit report, no alternative documentation showing the most recent XXX month history. | Document Uploaded. Also attaching property profile to prove our borrower has owned this property free/clear for longer than XXX months. ; Document Uploaded. This is a refinance of the borrower's primary home. They own it outright, without any liens. I am attaching the title so you can see there is no current lien on title. Nothing on CBR. Borrower only pay insurance and taxes yearly, which are in file. What item are you looking for to clear? | Housing History Meets Guideline Requirements; Property profile for the subject property indicates subject is owned free and clear – no housing history. | Original CLTV is Below the Guideline Maximum - Calculated LTV of 56.6% is less than Guideline LTV of 56.6% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.6% is less than Guideline LTV of 73.74% | Resolved | 05/22/2025 | C A |
| XXX | XXX | 304699850 | XXX | 05/22/2025 | Credit | Missing Doc | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing VOM |  | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | Original CLTV is Below the Guideline Maximum - Calculated LTV of 85% is less than Guideline LTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 85% is less than Guideline LTV of 85% | Resolved | 05/22/2025 | D A |
| XXX | XXX | 304699850 | XXX | 05/22/2025 | Compliance | Missing Doc | Right of Rescission is Partially Provided | Right of Rescission is Partially Provided Documentation required to clear exception: Missing Right of Rescission signed by borrower. In addition the Right of Rescission in file signed by the non-borrower is signed on the "I wish to Cancel" line. | Document Uploaded. please see NORTC attached. TY | Right of Rescission is Provided | Original CLTV is Below the Guideline Maximum - Calculated LTV of 85% is less than Guideline LTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 85% is less than Guideline LTV of 85% | Resolved | 05/22/2025 | D A |
| XXX | XXX | 304699850 | XXX | 05/14/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in § 25) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Original CLTV is Below the Guideline Maximum - Calculated LTV of 85% is less than Guideline LTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 85% is less than Guideline LTV of 85% | Resolved | 05/14/2025 | A |
| XXX | XXX | 304699850 | XXX | 05/14/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to § 25) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required Refund in the amount of XXX Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. The Zero tolerance violation is due to Discount Point Fee and the Mortgage Broker Fee increased on the Final CD and no COC was found in the file explaining the reason for the increase in fees. Please provide a Valid COC or Cure Package. | Document Uploaded. COC attached | Valid COC provided; exception resolved; Valid COC provided; exception resolved; This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to HCLTV of 90% is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Original CLTV is Below the Guideline Maximum - Calculated LTV of 85% is less than Guideline LTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 85% is less than Guideline LTV of 85% | Resolved | 05/14/2025 | C A |
| XXX | XXX | 304699850 | XXX | 05/14/2025 | Compliance | Points & Fees | NC Rate Spread Home Loan Test | This loan failed the NC rate spread home loan test. (NC GS §XXX-11F(a)(XXX) he loan is a rate spread home loan, as defined in the legislation. For more information please see the North Carolina Rate Spread Home Loan Article section of the full ComplianceAnalyzer report hile the North Carolina Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. Duplicate Finding |  | HPML compliant | Original CLTV is Below the Guideline Maximum - Calculated LTV of 85% is less than Guideline LTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 85% is less than Guideline LTV of 85% | Resolved | 05/14/2025 | A |
| XXX | XXX | 304699850 | XXX | 05/09/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Original CLTV is Below the Guideline Maximum - Calculated LTV of 85% is less than Guideline LTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 85% is less than Guideline LTV of 85% | Resolved | 05/09/2025 | A |
| XXX | XXX | 304704779 | XXX | 05/22/2025 | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Guidelines require housing history reflect XXX. Please provide verification the XX/XX/XXXX payment was made for XXX "XXX". The credit report reflects the borrower last paid XX/XX/XXXX. | Document Uploaded. | Housing History Meets Guideline Requirements; Supplement credit report dated XX/XX/XXXX indicate mortgage status as current. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 05/22/2025 | C A |
| XXX | XXX | 304704779 | XXX | 05/21/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 05/21/2025 | A |
| XXX | XXX | 304704779 | XXX | 05/21/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 05/21/2025 | A |
| XXX | XXX | 304694703 | XXX | 05/09/2025 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing | Document Uploaded. Hi, borrower is Self-XXX. Self-XXX documents/verification are on pages XXX - XXX of our package. | Borrower 1 3rd Party VOE Prior to Close Was Provided; SE VOE | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 85% is less than Guideline LTV of 85% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 85% is less than Guideline LTV of 85% | Resolved | 05/09/2025 | D A |
| XXX | XXX | 304694703 | XXX | 05/07/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 85% is less than Guideline LTV of 85% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 85% is less than Guideline LTV of 85% | Resolved | 05/07/2025 | A |
| XXX | XXX | 304699841 | XXX | 05/20/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in § 25) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 05/20/2025 | A |
| XXX | XXX | 304699841 | XXX | 05/20/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 05/20/2025 | A |
| XXX | XXX | 304699841 | XXX | 05/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 05/20/2025 | A |
| XXX | XXX | 304699834 | XXX | 06/02/2025 | Credit | Missing Doc | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Borrower is refinancing second home in the State of XXX which is a spousal State. The non-borrowing spouse is required to sign the Mortgage and any applicable documents. | Hi, per Title - XXX requires the spouse for XXX, but this is not XXX. Can you please check? | The Deed of Trust is Present and Complete; Received lender's rebuttal that Florida is a XXX State, but subject property is not the XXX so non-purchasing spouse is not required to sign documents. | Original LTV is Below the Guideline Maximum - Calculated LTV of 85% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 85% is less than Guideline CLTV of 85% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 06/02/2025 | D A |
| XXX | XXX | 304699834 | XXX | 06/02/2025 | Credit | Title | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title coverage of XXX is less than subject lien of XXX | Document Uploaded. Hi, please see attached. | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Title commitment with of XXX was received. | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.93% is less than Guideline LTV of 68.93% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.93% is less than Guideline CLTV of 68.93% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 06/02/2025 | B A |
| XXX | XXX | 304699834 | XXX | 05/30/2025 | Compliance | Points & Fees | TILA Finance Charge Test | This loan failed the TILA finance charge test.[[(§ 25)XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX Cure required: Cure of XXX required for underdisclosed finance charges. The finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX Title Services fee of XXX was not included within calculations. The HUD1 Settlement Statement in loan file indicates this is a Processing fee. Cure requires PCCD, LOE, copy of refund check, proof of mailing and reopening of rescission. | Document Uploaded. Hi, please see refund documents. | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.12% is less than Guideline LTV of 64.12% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.12% is less than Guideline CLTV of 64.12% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Cured |  | C B |
| XXX | XXX | 304699834 | XXX | 05/19/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.12% is less than Guideline LTV of 64.12% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.12% is less than Guideline CLTV of 64.12% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 05/19/2025 | A |
| XXX | XXX | 304704774 | XXX | 06/23/2025 | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing evidence of XX/XX/XXXX mortgage payment for 1st lien mortgage paid off at closing. Guidelines require housing history of XXX. Additional conditions may apply. | Document Uploaded. uploading the payoff that was received on XX/XX/XXXX showing the next due date was XX/XX/XXXX for review | Housing History Meets Guideline Requirements; Received the payoff Statement reflecting when issued on XX/XX/XXXX the borrower is due for the XX/XX/XXXX payment which means they were not XXX days or more past due when the XX/XX/XXXX payment was made. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 06/23/2025 | C A |
| XXX | XXX | 304704774 | XXX | 06/23/2025 | Credit | Eligibility | ATR Risk | ATR Risk due to DTI exceeds guidelines IO qualifying payment is XXX vs. XXX used by lender. | please review this after reviewing the DTI condition. THANK YOU! | DTI issue resolved, exception resolved.; ATR Risk Resolved | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 06/23/2025 | C A |
| XXX | XXX | 304704774 | XXX | 06/23/2025 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Qualifying DTI of XXX% exceeds guideline maximum of XXX% Interest Only qualifying payment is XXX vs. XXX used by lender. | Document Uploaded. The DTI on this one is now under XXX% I am omitting the XXX auto loan that is paid by the business. I included the XXX XXX business account to evidence the XX/XX/XXXX auto payment. XXX/1003 has been updated omitting the auto loan and added the personal and business assets. Debt Omitted: XXX #XXX installment loan paid by business---XXX #XXX Copies of the cancelled checks included in the business bank Statements which verifies checks made out to the creditor--XXX. All attached to this condition for review.; Per U/W: Took out the XXX HOA fee and updated qualifying rate to XXX resulting in a DTI of XXX. Not sure where they got XXX%.. If the DTI is still being calculated on your side out of guidelines, please provide the calculation breakdown so the u/w can review. THank you! | Twelve months bank Statements provided showing XXX debt paid by business. DTI meets GLs. Exception resolved. ; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Audited DTI of XXX% exceeds Guideline DTI of XXX% According to lender guidelines for interest-only loans qualifying ratios are based on PITIA payment with the P&I payment amortized over the scheduled remaining loan term at the time of recast after the interest-only period has expired. Audit used a P&I payment of XXX (XXX% @XXX mos). DTI of XXX% calculated as follows, Income of XXX and total debts of XXX total debts include P&I XXX taxes-XXX, insurance – XXX; REO liability of XXX and credit liabilities of $XXX. Condition remains. ; | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 06/23/2025 | C A |
| XXX | XXX | 304704774 | XXX | 06/23/2025 | Credit | Missing Doc | The Final 1003 is Incomplete | The Final 1003 is Incomplete Final 1003 and XXX reflects an Association/Project Dues fee of XXX for subject property, however no documentation was provided or located in file confirming said fee. Provide documentation for XXX fee. Additional conditions may apply. | Document Uploaded. Please see updated 1003 and XXX removed. | The Final 1003 is Present; Updated 1003 application and updated XXX approval received indicating HOA fee of XXX was removed. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 06/23/2025 | D A |
| XXX | XXX | 304704774 | XXX | 06/23/2025 | Credit | Eligibility | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. Guidelines require XXX months reserves total of XXX borrower is short $XXX. | Document Uploaded. Loan exception for reserves and cash out seasoning requirement not being met has been approved. Per guidelines prior cash out in the past XXX months not permitted. Borrower took out a private 2nd mtg XX/XX/XXXX which was paid off through our subject closing. And reserves required is XXX months, we have XX/XX/XXXX months reserves verified. XXX/1003 has been updated omitting the auto loan and added the personal and business assets | Exception for cash out seasonings and reserves approved, per GL prior cash out in the past XXX months are not permitted. Borrower took out private 2nd mortgage XX/XX/XXXX paid off through subject closing, reserves required is XXX months and XX/XX/XXXX months are verified. Comp factors: stable business open over XXX years, Residual income >17k, Fico XXX points over GL, mortgage XXX.; The required number of months reserves are to be seasoned does not meet Guideline requirement. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes D B |
| XXX | XXX | 304704774 | XXX | 06/23/2025 | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Guidelines require XXX months reserves total of $XXX. Borrower is short XXX audit used the following funds to cover reserves, however borrower is still short reserves. Final CD cash back received at closing of XXX plus business funds of XXX and personal funds of $XXX. Additional conditions may apply. | Document Uploaded. Loan exception for reserves and cash out seasoning requirement not being met has been approved. Per guidelines prior cash out in the past XXX months not permitted. Borrower took out a private 2nd mtg XX/XX/XXXX which was paid off through our subject closing. And reserves required is XXX months, we have XX/XX/XXXX months reserves verified. XXX/1003 has been updated omitting the auto loan and added the personal and business assets | Exception for cash out seasonings and reserves approved, per GL prior cash out in the past XXX months are not permitted. Borrower took out private 2nd mortgage XX/XX/XXXX paid off through subject closing, reserves required is XXX months and XX/XX/XXXX months are verified. Comp factors: stable business open over XXX years, Residual income >17k, Fico XXX points over GL, mortgage XXX.; Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes C B |
| XXX | XXX | 304704774 | XXX | 06/23/2025 | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Cash Out Does Not Meet Guideline Requirements Cash out seasoning requirement not met due to borrower taking out a private held second lien of XXX on XX/XX/XXXX. Guidelines only allow for a HELOC to be opened in the past XXX months and will not be considered cash out for the XXX months seasoning requirement. | Document Uploaded. Loan exception for reserves and cash out seasoning requirement not being met has been approved. Per guidelines prior cash out in the past XXX months not permitted. Borrower took out a private 2nd mtg XX/XX/XXXX which was paid off through our subject closing. And reserves required is XXX months, we have XX/XX/XXXX months reserves verified. XXX/1003 has been updated omitting the auto loan and added the personal and business assets | Exception for cash out seasonings and reserves approved, per GL prior cash out in the past XXX months are not permitted. Borrower took out private 2nd mortgage XX/XX/XXXX paid off through subject closing, reserves required is XXX months and XX/XX/XXXX months are verified. Comp factors: stable business open over XXX years, Residual income >17k, Fico XXX points over GL, mortgage XXX. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes C B |
| XXX | XXX | 304704774 | XXX | 05/19/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 05/19/2025 | A |
| XXX | XXX | 304704774 | XXX | 05/19/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 05/19/2025 | A |
| XXX | XXX | 304699822 | XXX | 05/19/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 05/19/2025 | A |
| XXX | XXX | 304699822 | XXX | 05/19/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 05/19/2025 | A |
| XXX | XXX | 304699822 | XXX | 05/19/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 05/19/2025 | A |
| XXX | XXX | 304694825 | XXX | 05/28/2025 | Credit | Missing Doc | The Final 1003 is Incomplete | The Final 1003 is Incomplete hip on Final 1003 was left blank. Provide Final 1003 with borrower's hip information. | Document Uploaded. Hi, please see attached. | The Final 1003 is Present; A Final 1003 with borrower's hip information was provided. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 05/28/2025 | D A |
| XXX | XXX | 304694825 | XXX | 05/23/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 05/23/2025 | A |
| XXX | XXX | 304694825 | XXX | 05/23/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 05/23/2025 | A |
| XXX | XXX | 304694668 | XXX | 05/14/2025 | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. The Hazard Insurance inception date is XX/XX/XXXX, the disbursement date on the Final CD is XX/XX/XXXX. | Document Uploaded. | Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is XXX. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 05/14/2025 | C A |
| XXX | XXX | 304694668 | XXX | 05/06/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 05/06/2025 | A |
| XXX | XXX | 304694668 | XXX | 05/06/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 05/06/2025 | A |
| XXX | XXX | 304704766 | XXX | 05/15/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 05/15/2025 | A |
| XXX | XXX | 304704766 | XXX | 05/15/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 05/15/2025 | A |
| XXX | XXX | 304704766 | XXX | 05/15/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 05/15/2025 | A |
| XXX | XXX | 304699799 | XXX | 05/14/2025 | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | The Final 1003 reflect that the Borrower is a Non-XXX. The documentation provided in the file expired on XX/XX/XXXX. | Document Uploaded. Hi, borrower is ITIN. We just need XXX forms of IDs and they can be expired. | Lender rebuttal received - ITIN letter provided from the IRS, XXXs license and expired passport from XXX provided - this meets the lender guidelines on pg XXX ; Lender rebuttal with approval and IRS ITIN letter received. | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.12% is less than Guideline LTV of 64.12% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.12% is less than Guideline CLTV of 64.12% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 05/14/2025 | C A |
| XXX | XXX | 304699799 | XXX | 05/12/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.12% is less than Guideline LTV of 64.12% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.12% is less than Guideline CLTV of 64.12% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 05/12/2025 | A |
| XXX | XXX | 304699799 | XXX | 05/12/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Cleared | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.12% is less than Guideline LTV of 64.12% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.12% is less than Guideline CLTV of 64.12% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 05/12/2025 | A |
| XXX | XXX | 304699798 | XXX | 05/19/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in § 25) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPM Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.12% is less than Guideline CLTV of 64.12% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.12% is less than Guideline CCLTV of 64.12% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 05/19/2025 | A |
| XXX | XXX | 304699798 | XXX | 05/19/2025 | Compliance | Points & Fees | XXX AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPM Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.12% is less than Guideline LTV of 64.12% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.12% is less than Guideline CLTV of 64.12% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 05/19/2025 | A |
| XXX | XXX | 304699798 | XXX | 05/19/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 79.93% is less than Guideline CLTV of 79.93% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 79.93% is less than Guideline CCLTV of 79.93% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 05/19/2025 | A |
| XXX | XXX | 304699798 | XXX | 05/19/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 79.93% is less than Guideline CLTV of 79.93% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 79.93% is less than Guideline CCLTV of 79.93% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 05/19/2025 | A |
| XXX | XXX | 304699770 | XXX | 05/15/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in HLTV of 90% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 05/15/2025 | A |
| XXX | XXX | 304699770 | XXX | 05/15/2025 | Compliance | Points & Fees | XXX COMAR Higher-Priced Mortgage Loan Test | This loan failed the XXX COMAR higher-priced mortgage loan test. (XXX COMAR 09030602B(XXX), COMAR 09030902B(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (COMAR) hile the XXX COMAR provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 05/15/2025 | A |
| XXX | XXX | 304699770 | XXX | 05/15/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 05/15/2025 | A |
| XXX | XXX | 304699770 | XXX | 05/15/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 05/15/2025 | A |
| XXX | XXX | 304694589 | XXX | 05/20/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML with established escrows and met appraisal requirements, therefore, downgraded to grade A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in HLTV of 90% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML compliant | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 05/20/2025 | A |
| XXX | XXX | 304694589 | XXX | 05/20/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 05/20/2025 | A |
| XXX | XXX | 304694589 | XXX | 05/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 05/20/2025 | A |
| XXX | XXX | 304699760 | XXX | 05/22/2025 | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Asset 4 Does Not Meet Guideline Requirements There is a gifts that were wired directly to escrows: XXX from XXX File is missing the gift letters and verification donor availability of funds | Document Uploaded. | Asset 4 Meets Guideline Requirements Or XXX; Executed gift letter for XXX was received. | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 05/22/2025 | C A |
| XXX | XXX | 304699760 | XXX | 05/22/2025 | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Asset 5 Does Not Meet Guideline Requirements There is a gifts that were wired directly to escrows: XXX from XXX. File is missing the gift letters and verification donor availability of funds | Document Uploaded. | Asset 5 Meets Guideline Requirements Or XXX; Executed gift letter for XXX was received. | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 05/22/2025 | C A |
| XXX | XXX | 304699760 | XXX | 05/21/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 05/21/2025 | A |
| XXX | XXX | 304699760 | XXX | 05/21/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 05/21/2025 | A |
| XXX | XXX | 304704723 | XXX | 05/30/2025 | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Per loan approval XXX months reserves are required. Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Per loan approval XXX months reserves are required. | Document Uploaded. please see PCCD, along with the wire sent to title for funds to close. ; Document Uploaded. I see XXX funds to close + (XXX X XXX = XXX) reserves = $XXX. Assets verified = XXX We have excess assets of XXX - XXX = XXX Please see attached printout to support. | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX.; Pccd and assets provided; Audit confirms assets of XXX was used. Unable to validate cash to close amount of XXX used by lender, as final CD in file indicates funds to close of $XXX. Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Condition remains. | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 05/30/2025 | C A |
| XXX | XXX | 304704723 | XXX | 05/29/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in HLTV of 90% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 05/29/2025 | A |
| XXX | XXX | 304704723 | XXX | 05/29/2025 | Compliance | Points & Fees | XXX AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 05/29/2025 | A |
| XXX | XXX | 304704723 | XXX | 05/20/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 05/20/2025 | A |
| XXX | XXX | 304694554 | XXX | 05/20/2025 | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. Provide evidence of hazard insurance with effective date XX/XX/XXXX | Document Uploaded. Hi, loan did not fund until XX/XX/XXXX. Please see PCCD with interest on XX/XX/XXXX. | Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is XXX. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 05/20/2025 | C A |
| XXX | XXX | 304694554 | XXX | 05/19/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 05/19/2025 | A |
| XXX | XXX | 304694554 | XXX | 05/19/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 05/19/2025 | A |
| XXX | XXX | 304694551 | XXX | 05/20/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML with established escrows and met appraisal requirements, therefore, downgraded to grade A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in HLTV of 90% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 05/20/2025 | A |
| XXX | XXX | 304694551 | XXX | 05/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 05/20/2025 | A |
| XXX | XXX | 304694551 | XXX | 05/20/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 05/20/2025 | A |
| XXX | XXX | 304735967 | XXX | 07/17/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 79.93% is less than Guideline CCLTV of 79.93% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 79.93% is less than Guideline CCCLTV of 79.93% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 07/17/2025 | A |
| XXX | XXX | 304735967 | XXX | 07/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 79.93% is less than Guideline CLTV of 79.93% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 79.93% is less than Guideline CCLTV of 79.93% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 07/17/2025 | A |
| XXX | XXX | 304735967 | XXX | 07/17/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.93% is less than Guideline LTV of 79.93% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.93% is less than Guideline CLTV of 79.93% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 07/17/2025 | A |
| XXX | XXX | 304704677 | XXX | 05/23/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 05/23/2025 | A |
| XXX | XXX | 304704677 | XXX | 05/23/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 05/23/2025 | A |
| XXX | XXX | 304699663 | XXX | 05/15/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in HLTV of 90% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 05/15/2025 | A |
| XXX | XXX | 304699663 | XXX | 05/15/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 05/15/2025 | A |
| XXX | XXX | 304699663 | XXX | 05/15/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 05/15/2025 | A |
| XXX | XXX | 304712061 | XXX | 08/13/2025 | Credit | Missing Doc | The Final 1003 is Incomplete | The Final 1003 is Incomplete The Final 1003 list the income used to qualify as XXX the XXX reflect $XXX. | Document Uploaded. | The Final 1003 is Present; Document provided, condition cleared. | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 08/13/2025 | D A |
| XXX | XXX | 304712061 | XXX | 08/12/2025 | Property | Data | No Property Findings | No property finding. Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 08/12/2025 | A |
| XXX | XXX | 304712061 | XXX | 08/12/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 08/12/2025 | A |
| XXX | XXX | 304704562 | XXX | 05/23/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 79.93% is less than Guideline LTV of 79.93% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.93% is less than Guideline LTV of 69.73% | Resolved | 05/23/2025 | A |
| XXX | XXX | 304704562 | XXX | 05/23/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.73% is less than Guideline CLTV of 69.73% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 69.73% is less than Guideline CLTV of 69.73% | Resolved | 05/23/2025 | A |
| XXX | XXX | 304704562 | XXX | 05/23/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.73% is less than Guideline CLTV of 69.73% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 69.73% is less than Guideline CLTV of 69.73% | Resolved | 05/23/2025 | A |
| XXX | XXX | 304757823 | XXX | 08/21/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/21/2025 | A |
| XXX | XXX | 304757823 | XXX | 08/21/2025 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/21/2025 | A |
| XXX | XXX | 304735963 | XXX | 08/08/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to HLTV of 90% is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required Refund in the amount of XXX Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. The Zero tolerance violation is due to the missing COC for the added 2nd Appraisal Fee on the LE dated XXX and no COC was found in the file explaining the reason for why the fee was added. Please provide a Valid COC or Cure Package | Document Uploaded. | Valid COC provided; exception resolved; Valid COC provided; exception resolved | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/08/2025 | C A |
| XXX | XXX | 304735963 | XXX | 08/08/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in HLTV of 90% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  | ; HPML compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/08/2025 | A |
| XXX | XXX | 304735963 | XXX | 08/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/06/2025 | A |
| XXX | XXX | 304735963 | XXX | 08/06/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/06/2025 | A |
| XXX | XXX | 304757818 | XXX | 08/12/2025 | Credit | Missing Doc | The Final 1003 is Incomplete | The Final 1003 is Incomplete Final 1003 section 4b. discloses a monthly payment of XXX for "Other" first lien. Provide clarification and/or documentation for payment. | Document Uploaded. | The Final 1003 is Present; Lender comments indicates the original lien was duplicated on the Final 1003 due to the clerical/system error. A corrected 1003 application was provided. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/12/2025 | D A |
| XXX | XXX | 304757818 | XXX | 08/07/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/07/2025 | A |
| XXX | XXX | 304757818 | XXX | 08/07/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/07/2025 | A |
| XXX | XXX | 304735958 | XXX | 07/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 07/11/2025 | A |
| XXX | XXX | 304735958 | XXX | 07/11/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 07/11/2025 | A |
| XXX | XXX | 304735958 | XXX | 07/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 07/11/2025 | A |
| XXX | XXX | 304812828 | XXX | 08/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 08/26/2025 | A |
| XXX | XXX | 304812828 | XXX | 08/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 08/26/2025 | A |
| XXX | XXX | 304812828 | XXX | 08/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 08/26/2025 | A |
| XXX | XXX | 304735957 | XXX | 07/11/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in HLTV of 90% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 07/11/2025 | A |
| XXX | XXX | 304735957 | XXX | 07/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 07/11/2025 | A |
| XXX | XXX | 304735957 | XXX | 07/11/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 07/11/2025 | A |
| XXX | XXX | 304757814 | XXX | 07/29/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in HLTV of 90% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 07/29/2025 | A |
| XXX | XXX | 304757814 | XXX | 07/29/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 07/29/2025 | A |
| XXX | XXX | 304757814 | XXX | 07/29/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 07/29/2025 | A |
| XXX | XXX | 304757811 | XXX | 08/06/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/06/2025 | A |
| XXX | XXX | 304757811 | XXX | 08/06/2025 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/06/2025 | A |
| XXX | XXX | 304757811 | XXX | 08/06/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/06/2025 | A |
| XXX | XXX | 304735951 | XXX | 07/24/2025 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Lender income calculation worksheet page XXX is missing XXX business deposits. Lender only calculated XXX months instead of XXX months per LS guidelines. Audit used CPA letter expense factor of XXX% Audit used Lender income calculation of XXX for most conservative income approach instead of Audit income of $XXX. | Document Uploaded. | Lender provided revised UW worksheet showing Jan XXX was included in the income calculation. Exception resolved. ; Income and Employment Meet Guidelines | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 07/24/2025 | C A |
| XXX | XXX | 304735951 | XXX | 07/15/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in HLTV of 90% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 07/15/2025 | A |
| XXX | XXX | 304735951 | XXX | 07/15/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 07/15/2025 | A |
| XXX | XXX | 304735949 | XXX | 07/14/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 07/14/2025 | A |
| XXX | XXX | 304735949 | XXX | 07/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 07/14/2025 | A |
| XXX | XXX | 304735949 | XXX | 07/14/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 07/14/2025 | A |
| XXX | XXX | 304757807 | XXX | 07/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 07/28/2025 | A |
| XXX | XXX | 304757807 | XXX | 07/28/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 07/28/2025 | A |
| XXX | XXX | 304757807 | XXX | 07/28/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 07/28/2025 | A |
| XXX | XXX | 304757806 | XXX | 07/29/2025 | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Guidelines require two months of account Statements to verify assets. File only contains one month of bank Statements for all assets provided. | Document Uploaded. acct#XXX Stmnt from XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX provided | Asset Qualification Meets Guideline Requirements; Bank Statement for #XXX dated thru XX/XX/XXXX was provided. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/29/2025 | C A |
| XXX | XXX | 304757806 | XXX | 07/24/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/24/2025 | A |
| XXX | XXX | 304735946 | XXX | 07/08/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 07/08/2025 | A |
| XXX | XXX | 304735946 | XXX | 07/08/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 07/08/2025 | A |
| XXX | XXX | 304735946 | XXX | 07/08/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 07/08/2025 | A |
| XXX | XXX | 304735945 | XXX | 08/22/2025 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. Missing FNMA UCDP score at time of review. | Document Uploaded. | Subject is a XXX-unit and therefore, does not have a FNMA UCDP score. A CCA, as required by GLs, is in the file. Exception resolved. ; Third party valuation product provided within tolerance. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/22/2025 | C A |
| XXX | XXX | 304735945 | XXX | 08/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/20/2025 | A |
| XXX | XXX | 304757804 | XXX | 08/07/2025 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. Audit unable to complete Appraisal or AVM sections due to LM issue. | Document Uploaded. Hi, it's on pages XXX - XXX of our package. | Third party valuation product provided within tolerance.; Third Party Valuation Product XXX or XXX Within Tolerance. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/07/2025 | C A |
| XXX | XXX | 304757804 | XXX | 08/07/2025 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The subject loan closed on XX/XX/XXXX, the VOE in the loan file is dated XX/XX/XXXX. The Lender Guideline requires a VOE within days of the Note date. | Document Uploaded. Please see attached. | Borrower 1 3rd Party VOE Prior to Close Was Provided; Lender uploaded VVOE dated XX/XX/XXXX | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/07/2025 | D A |
| XXX | XXX | 304757804 | XXX | 08/07/2025 | Credit | Missing Doc | Missing Letter of Explanation (Assets) | The Final 1003 includes two accounts that were used to close the subject loan. An access to funds letter for the account ending in XXX was not found in the loan file. | Document Uploaded. Please see attached. | Lender uploaded Access Letter | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/07/2025 | D A |
| XXX | XXX | 304735937 | XXX | 07/15/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in HLTV of 90% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant |  | Resolved | 07/15/2025 | A |
| XXX | XXX | 304735937 | XXX | 07/15/2025 | Compliance | Points & Fees | XXX COMAR Higher-Priced Mortgage Loan Test | This loan failed the XXX COMAR higher-priced mortgage loan test. (XXX COMAR 09030602B(XXX), COMAR 09030902B(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (COMAR) hile the XXX COMAR provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant |  | Resolved | 07/15/2025 | A |
| XXX | XXX | 304812825 | XXX | 08/21/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/21/2025 | A |
| XXX | XXX | 304812825 | XXX | 08/21/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/21/2025 | A |
| XXX | XXX | 304812825 | XXX | 08/21/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/21/2025 | A |
| XXX | XXX | 304735935 | XXX | 07/20/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in HLTV of 90% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPMl requirements met. |  | HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 07/20/2025 | A |
| XXX | XXX | 304735935 | XXX | 07/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 07/20/2025 | A |
| XXX | XXX | 304735935 | XXX | 07/20/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 07/20/2025 | A |
| XXX | XXX | 304735928 | XXX | 07/09/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 07/09/2025 | A |
| XXX | XXX | 304735928 | XXX | 07/09/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 07/09/2025 | A |
| XXX | XXX | 304735928 | XXX | 07/09/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 07/09/2025 | A |
| XXX | XXX | 304735927 | XXX | 08/04/2025 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Lender income calculation worksheet skipped XXX XXX and May XXX business Statements. Lender used XXX XXX - May XXX Audit income XXX was higher than Lender income so Audit used the Lender income of XXX for most conservative income approach. Lender should use most recent XXX consecutive months business bank Statements for income calculation. | Document Uploaded. | Income and Employment Meet Guidelines; Lender bank Statement calculation provided indicates XXX XXX and May 2025 deposits were included in qualifying income calculation. | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/04/2025 | C A |
| XXX | XXX | 304735927 | XXX | 08/04/2025 | Credit | Eligibility | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% | Document Uploaded. ; Document Uploaded. | Received approved loan exception for IPC exceeding XXX% is approved. Max IPC guidelines is XXX% and IPC on subject loan is XXX% Compensating factors; FICO XXX points above guideline min; DTI under XXX%; Residual income greater than $XXX.; Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX%.; Loan exception for IPC exceeding XXX% guidelines was received. Comp factor #XXX – DTI under XXX% is not met as DTI per XXX is XXX%. Comp factor #XXX Residual income greater than XXX is not met as based on the XXX the residual income is $XXX. Condition remains. | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | No C B |
| XXX | XXX | 304735927 | XXX | 07/27/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to HLTV of 90% is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the two Appraisal Re-inspection fees. A COC is required to determine if this was a valid increase. | Document Uploaded. | Valid COCs provided; Exception resolved; Valid COCs provided; Exception resolved | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/27/2025 | C A |
| XXX | XXX | 304735927 | XXX | 07/27/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in HLTV of XXX% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  | HPML compliant | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/27/2025 | A |
| XXX | XXX | 304735927 | XXX | 07/24/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/24/2025 | A |
| XXX | XXX | 304764045 | XXX | 08/06/2025 | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Documentation required: The Homeownership Counseling Disclosure does not provide the nearest counseling agencies closest to the borrower's. | Document Uploaded. | Homeownership Counseling Disclosure Is Present or XXX | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/06/2025 | B A |
| XXX | XXX | 304764045 | XXX | 08/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/06/2025 | A |
| XXX | XXX | 304764045 | XXX | 08/06/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/06/2025 | A |
| XXX | XXX | 304764039 | XXX | 08/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 08/11/2025 | A |
| XXX | XXX | 304764039 | XXX | 08/11/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 08/11/2025 | A |
| XXX | XXX | 304764039 | XXX | 08/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 08/11/2025 | A |
| XXX | XXX | 304735920 | XXX | 07/22/2025 | Compliance | Points & Fees | XXX AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirement have been met. HPML Downgraded |  | HPML compliant | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/22/2025 | A |
| XXX | XXX | 304735920 | XXX | 07/22/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in HLTV of XXX% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirement have been met. HPML Downgraded |  | HPML compliant | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/22/2025 | A |
| XXX | XXX | 304735920 | XXX | 07/22/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/22/2025 | A |
| XXX | XXX | 304735920 | XXX | 07/22/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/22/2025 | A |
| XXX | XXX | 304757773 | XXX | 07/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 07/31/2025 | A |
| XXX | XXX | 304757773 | XXX | 07/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 07/31/2025 | A |
| XXX | XXX | 304757773 | XXX | 07/31/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 07/31/2025 | A |
| XXX | XXX | 304764029 | XXX | 08/21/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 08/21/2025 | A |
| XXX | XXX | 304764029 | XXX | 08/21/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 08/21/2025 | A |
| XXX | XXX | 304764028 | XXX | 08/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 08/14/2025 | A |
| XXX | XXX | 304764028 | XXX | 08/14/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 08/14/2025 | A |
| XXX | XXX | 304764028 | XXX | 08/14/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 08/14/2025 | A |
| XXX | XXX | 304735917 | XXX | 07/29/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/29/2025 | A |
| XXX | XXX | 304735917 | XXX | 07/29/2025 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/29/2025 | A |
| XXX | XXX | 304735917 | XXX | 07/29/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/29/2025 | A |
| XXX | XXX | 304735902 | XXX | 07/23/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in HLTV of XXX% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirement have been met. HPML Downgraded |  | HPML compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 07/23/2025 | A |
| XXX | XXX | 304735902 | XXX | 07/23/2025 | Compliance | Points & Fees | XXX COMAR Higher-Priced Mortgage Loan Test | This loan failed the XXX COMAR higher-priced mortgage loan test. (XXX COMAR 09030602B(XXX), COMAR 09030902B(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (COMAR) hile the XXX COMAR provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirement have been met. HPML Downgraded |  | HPML compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 07/23/2025 | A |
| XXX | XXX | 304735902 | XXX | 07/23/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 07/23/2025 | A |
| XXX | XXX | 304735902 | XXX | 07/23/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 07/23/2025 | A |
| XXX | XXX | 304735892 | XXX | 08/05/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in HLTV of XXX% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loa with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/05/2025 | A |
| XXX | XXX | 304735892 | XXX | 08/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/05/2025 | A |
| XXX | XXX | 304735892 | XXX | 08/05/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/05/2025 | A |
| XXX | XXX | 304735884 | XXX | 08/01/2025 | Credit | Missing Doc | Missing Letter of Explanation (Credit) | The subject Credit Report is dated XX/XX/XXXX, the Credit Report includes a credit inquiry dated XX/XX/XXXX. The Lender Guideline States: Any credit inquiries on the borrower's credit report in the last XXX days must have documentation signed by the borrower explaining the inquiry and attestation of no new credit was established. If new credit was established borrowers must provide documentation on the current balance and payment and qualify accordingly. It is recommended the underwriter do additional diligence as necessary to ensure there is no undisclosed debt. The required documentation was found in the loan file but it did not address the inquiry from XX/XX/XXXX. | Document Uploaded. Please see attached. | Credit inquiry LOE provided, exception resolved. | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/01/2025 | D A |
| XXX | XXX | 304735884 | XXX | 07/30/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/30/2025 | A |
| XXX | XXX | 304735884 | XXX | 07/30/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/30/2025 | A |
| XXX | XXX | 304764013 | XXX | 08/06/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/06/2025 | A |
| XXX | XXX | 304764013 | XXX | 08/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/06/2025 | A |
| XXX | XXX | 304764013 | XXX | 08/06/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/06/2025 | A |
| XXX | XXX | 304735883 | XXX | 08/08/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to HLTV of XXX% is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required Refund in the amount of XXX Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. The Zero tolerance violation is due to the increase in Discount Points on the LE dated XXX and no COC was found explaining the reason for why the fee increased. Please provide a Valid COC or Cure package. | Document Uploaded. | Valid COC provided; exception resolved; Valid COC provided; exception resolved | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/08/2025 | C A |
| XXX | XXX | 304735883 | XXX | 08/08/2025 | Compliance | Points & Fees | CT NPHLA Required Escrow Account Test | This loan failed the required escrow account test. (CT HB XXX HLTV of XXX%This loan does not collect reserves for the payment of hazard insurance and property taxes. ("Property taxes" refers to submitting either the "property taxes" field or both the "city property taxes" and "county property taxes" fields. onprime home loan lenders are required to collect a monthly escrow for the payment of real property taxes and homeowner's insurance. Homeowners Insurance was not collected on the loan. |  | Condo blanket insurance, Exception NA |  | Rescinded |  | A |
| XXX | XXX | 304735883 | XXX | 08/08/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in HLTV of 90% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  | ; HPML compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/08/2025 | A |
| XXX | XXX | 304735883 | XXX | 08/08/2025 | Compliance | Points & Fees | CT Nonprime Home Loan Test | This loan failed the XXX nonprime home loan test he loan is a nonprime home loan, as defined in the legislation. For more information please see the Connecticut Nonprime Home Loan Article section of the full ComplianceAnalyzer report hile the Connecticut Nonprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy nonprime home loans even if the additional conditions are met. HPML compliant. |  | ; HPML compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/08/2025 | A |
| XXX | XXX | 304735883 | XXX | 08/06/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/06/2025 | A |
| XXX | XXX | 304735883 | XXX | 08/06/2025 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/06/2025 | A |
| XXX | XXX | 304757748 | XXX | 07/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Original LTV is Below the Guideline Maximum - Calculated CLTV of 69.73% is less than Guideline CCLTV of 69.73% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 69.73% is less than Guideline CCCLTV of 69.73% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/24/2025 | A |
| XXX | XXX | 304757748 | XXX | 07/24/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Original LTV is Below the Guideline Maximum - Calculated CLTV of 54.13% is less than Guideline CLTV of 54.13% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 54.13% is less than Guideline CCLTV of 54.13% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/24/2025 | A |
| XXX | XXX | 304735881 | XXX | 08/14/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in HCLTV of 80% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/14/2025 | A |
| XXX | XXX | 304735881 | XXX | 08/14/2025 | Property | Data | No Property Findings | No property finding. Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/14/2025 | A |
| XXX | XXX | 304735881 | XXX | 08/14/2025 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/14/2025 | A |
| XXX | XXX | 304735880 | XXX | 08/04/2025 | Credit | Missing Doc | Missing Letter of Explanation (Assets) | The file contains a bank Statement for another of borrower's business accounts which does not appear on the Final 1003. Due to the original business account being lower than reflected on the F1003 (prior month balance), audit has used this account to qualify the reserves. This account reflects a large deposit for XXX A letter of explanation is required for this large deposit. | Document Uploaded. | Updated 1003 application provided reflects business account #XXX was included in assets. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/04/2025 | D A |
| XXX | XXX | 304735880 | XXX | 07/31/2025 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The borrower is retaining his previous primary residence as investment. There is no documentation supporting that this property has no HOA dues. | Document Uploaded. | Lender verified no HOA on the property, exception resolved. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 07/31/2025 | D A |
| XXX | XXX | 304735880 | XXX | 07/22/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 07/22/2025 | A |
| XXX | XXX | 304735880 | XXX | 07/22/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 07/22/2025 | A |
| XXX | XXX | 304735877 | XXX | 07/17/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/17/2025 | A |
| XXX | XXX | 304735877 | XXX | 07/17/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/17/2025 | A |
| XXX | XXX | 304735877 | XXX | 07/17/2025 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/17/2025 | A |
| XXX | XXX | 304764003 | XXX | 08/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/11/2025 | A |
| XXX | XXX | 304764003 | XXX | 08/11/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/11/2025 | A |
| XXX | XXX | 304764003 | XXX | 08/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/11/2025 | A |
| XXX | XXX | 304764002 | XXX | 08/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 08/11/2025 | A |
| XXX | XXX | 304764002 | XXX | 08/11/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 08/11/2025 | A |
| XXX | XXX | 304764002 | XXX | 08/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 08/11/2025 | A |
| XXX | XXX | 304757738 | XXX | 08/06/2025 | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Audited HCLTV of XXX% exceeds Guideline HCLTV of XXX% Per guides, If Standard Tradelines requirements are not met, and the borrower has a valid credit score per the Credit Score section of this guide the following restrictions apply: Owner Occupied & Second Home have an XXX% max LTV allowed on Core NonQM. | Document Uploaded. Hi, our borrower has XXX FICOs to meet the standard/minimum tradeline requirements. | Confirmed, according to lender guidelines if primary wage earner has XXX credit scores reporting, the minimum tradeline requirement is met, the XXX credit scores are reporting and reflected on the credit report. ; Audited 70% LTV is less than or equal to Guideline 70% LTV |  | Rescinded |  | A |
| XXX | XXX | 304757738 | XXX | 08/06/2025 | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% Per guides, If Standard Tradelines requirements are not met, and the borrower has a valid credit score per the Credit Score section of this guide the following restrictions apply: Owner Occupied & Second Home have an XXX% max LTV allowed on Core NonQM. | Document Uploaded. Hi, our borrower has XXX FICOs to meet the standard/minimum tradeline requirements. | Confirmed, according to lender guidelines if primary wage earner has XXX credit scores reporting, the minimum tradeline requirement is met, the XXX credit scores are reporting and reflected on the credit report. ; Audited 70% LTV is less than or equal to Guideline 70% LTV |  | Rescinded |  | A |
| XXX | XXX | 304757738 | XXX | 08/06/2025 | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% Per guides, If Standard Tradelines requirements are not met, and the borrower has a valid credit score per the Credit Score section of this guide the following restrictions apply: Owner Occupied & Second Home have an XXX% max LTV allowed on Core NonQM. | Document Uploaded. Hi, our borrower has XXX FICOs to meet the standard/minimum tradeline requirements. | Confirmed, according to lender guidelines if primary wage earner has XXX credit scores reporting, the minimum tradeline requirement is met, the XXX credit scores are reporting and reflected on the credit report. ; Audited ##MO## is less than or equal to Guideline ##MO## |  | Rescinded |  | A |
| XXX | XXX | 304757738 | XXX | 07/30/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in (12 CFR §1026.19(f)(2)(ii)) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/30/2025 | A |
| XXX | XXX | 304757738 | XXX | 07/30/2025 | Compliance | Points & Fees | XXX COMAR Higher-Priced Mortgage Loan Test | This loan failed the XXX COMAR higher-priced mortgage loan test. (XXX COMAR 09030602B(XXX), COMAR 09030902B(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (COMAR) hile the XXX COMAR provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/30/2025 | A |
| XXX | XXX | 304757738 | XXX | 07/30/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/30/2025 | A |
| XXX | XXX | 304757736 | XXX | 08/06/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in ((12 CFR §1026.19(f)(2)(ii)) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  | HPML compliant | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/06/2025 | A |
| XXX | XXX | 304757736 | XXX | 08/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/06/2025 | A |
| XXX | XXX | 304757736 | XXX | 08/06/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/06/2025 | A |
| XXX | XXX | 304812814 | XXX | 08/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 08/26/2025 | A |
| XXX | XXX | 304812814 | XXX | 08/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 08/26/2025 | A |
| XXX | XXX | 304812814 | XXX | 08/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 08/26/2025 | A |
| XXX | XXX | 304757725 | XXX | 07/31/2025 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% DTI exceeds allowable guides due to lender not including investment property second lien of XXX into qualifying DTI. | Document Uploaded. | Lese agreement was in the file. Revised the rental income, DTI meets GLs. Exception resolved. ; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/31/2025 | C A |
| XXX | XXX | 304757725 | XXX | 07/31/2025 | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Short reserves. Reserve requirement for additional property based on subject PITI. | Document Uploaded. | Asset account balance updated per VOD, reserves are sufficient. Exception resolved. ; Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX.; Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/31/2025 | C A |
| XXX | XXX | 304757725 | XXX | 07/25/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/25/2025 | A |
| XXX | XXX | 304757725 | XXX | 07/25/2025 | Compliance | Points & Fees | XXX AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  | HPML compliant | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/25/2025 | A |
| XXX | XXX | 304757725 | XXX | 07/25/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in ((12 CFR §1026.19(f)(2)(ii)) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  | HPML compliant | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/25/2025 | A |
| XXX | XXX | 304757717 | XXX | 07/28/2025 | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | This loan failed the revised closing disclosure delivery date test (waiting period required).[[(12 CFR §1026.19(f)(2)(ii))]] The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction hanges before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §XXX(o)(XXX) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §XXX(a)(XXX)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the Statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate he creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. Cure required: The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX The APR, total of payments and finance charges are not accurately disclosed to the borrower. Refund in the amount of the finance charge is $XXX. A PCCD, LOE, proof of mailing required. | Document Uploaded. | Corrected note calculations; Exception resolved; Corrected note calculations; Exception resolved |  | Rescinded |  | C A |
| XXX | XXX | 304757717 | XXX | 07/28/2025 | Compliance | Points & Fees | TILA Finance Charge Test | This loan failed the TILA finance charge test.[[(12 CFR ##_CS_##)The finance charge is $404,XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX Cure required: The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX The APR, total of payments and finance charges are not accurately disclosed to the borrower. Refund in the amount of the finance charge is $XXX. | Document Uploaded. Our passing Mavent that coincides with the final CD is showing the actual finance charge with correlating numbers. Please advise, thank you. | Corrected note calculations; Exception resolved; Corrected note calculations; Exception resolved |  | Rescinded |  | C A |
| XXX | XXX | 304757717 | XXX | 07/28/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in (12 CFR §1026.18(o)(1)) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 07/28/2025 | A |
| XXX | XXX | 304757717 | XXX | 07/28/2025 | Compliance | TRID | TRID Total of Payments Test | This loan failed the TRID total of payments test. [[(12 CFR §1026.18(o)(1))]] The total of payments is $XXX. The disclosed total of payments of XXX is not considered accurate because it is underStated by more than XXX and the provided reimbursement amount of XXX is not sufficient to cure the inaccuracy. Cure required: The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX The APR, total of payments and finance charges are not accurately disclosed to the borrower. Refund in the amount of the finance charge is $XXX. | Document Uploaded. | Corrected note calculations; Exception resolved; Corrected note calculations; Exception resolved |  | Rescinded |  | C A |
| XXX | XXX | 304757717 | XXX | 07/25/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 07/25/2025 | A |
| XXX | XXX | 304757717 | XXX | 07/25/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 07/25/2025 | A |
| XXX | XXX | 304757715 | XXX | 08/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/11/2025 | A |
| XXX | XXX | 304757715 | XXX | 08/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/11/2025 | A |
| XXX | XXX | 304757715 | XXX | 08/11/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/11/2025 | A |
| XXX | XXX | 304757713 | XXX | 07/28/2025 | Compliance | Points & Fees | XXX AB 260 Higher-Priced Mortgage Loan Test | Downgraded to Level XXX HPML Compliant. This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/28/2025 | A |
| XXX | XXX | 304757713 | XXX | 07/28/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Downgraded to Level XXX HPML Compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in HLTV of 90.71% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/28/2025 | A |
| XXX | XXX | 304757713 | XXX | 07/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/28/2025 | A |
| XXX | XXX | 304757713 | XXX | 07/28/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/28/2025 | A |
| XXX | XXX | 304763960 | XXX | 08/06/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in HCLTV of 75% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/06/2025 | A |
| XXX | XXX | 304763960 | XXX | 08/06/2025 | Compliance | Points & Fees | XXX COMAR Higher-Priced Mortgage Loan Test | This loan failed the XXX COMAR higher-priced mortgage loan test. (XXX COMAR 09030602B(XXX), COMAR 09030902B(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (COMAR) hile the XXX COMAR provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/06/2025 | A |
| XXX | XXX | 304763960 | XXX | 08/06/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/06/2025 | A |
| XXX | XXX | 304763960 | XXX | 08/06/2025 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/06/2025 | A |
| XXX | XXX | 304757691 | XXX | 08/12/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in HCLTV of 75% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/12/2025 | A |
| XXX | XXX | 304757691 | XXX | 08/12/2025 | Compliance | Points & Fees | XXX COMAR Higher-Priced Mortgage Loan Test | This loan failed the XXX COMAR higher-priced mortgage loan test. (XXX COMAR 09030602B(XXX), COMAR 09030902B(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (COMAR) hile the XXX COMAR provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/12/2025 | A |
| XXX | XXX | 304757691 | XXX | 08/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/12/2025 | A |
| XXX | XXX | 304757691 | XXX | 08/12/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/12/2025 | A |
| XXX | XXX | 304763934 | XXX | 08/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 08/11/2025 | A |
| XXX | XXX | 304763934 | XXX | 08/11/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 08/11/2025 | A |
| XXX | XXX | 304763934 | XXX | 08/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. NA, Non QM loan |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 08/11/2025 | A |
| XXX | XXX | 304763929 | XXX | 08/22/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in HCLTV of 75% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  | HPML compliant | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 08/22/2025 | A |
| XXX | XXX | 304763929 | XXX | 08/22/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to HCLTV of 75% is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the appraisal fee. The COC dated XX/XX/XXXX says the invoice came in higher than initially disclosed which is not a valid reason. Cure is required or an updated COC is required to determine if the increase is valid. | Document Uploaded. ; Document Uploaded. | COC provided; Exception resolved; COC provided; Exception resolved; COC provided is not sufficient, the invoice shows an order date of XX/XX/XXXX where there appears to have been a trip fee added but it was not disclosed within XXX days of the date of the order | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 08/22/2025 | C A |
| XXX | XXX | 304763929 | XXX | 08/11/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 08/11/2025 | A |
| XXX | XXX | 304763929 | XXX | 08/11/2025 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 08/11/2025 | A |
| XXX | XXX | 304757659 | XXX | 08/15/2025 | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. | Document Uploaded. | Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is XXX. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 08/15/2025 | C A |
| XXX | XXX | 304757659 | XXX | 08/11/2025 | Credit | Missing Doc | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing VOR | page XXX-XXX of loan package | Lease agreement and XXX months cancelled checks verifying XXX housing history is present in file. ; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing |  | Rescinded |  | A |
| XXX | XXX | 304757659 | XXX | 08/11/2025 | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing VOR | Document Uploaded. page XXX-XXX of loan package | Lease agreement and XXX months cancelled checks verifying XXX housing history is present in file. ; Housing History Meets Guideline Requirements |  | Rescinded |  | A |
| XXX | XXX | 304757659 | XXX | 08/07/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 08/07/2025 | A |
| XXX | XXX | 304757659 | XXX | 08/07/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 08/07/2025 | A |
| XXX | XXX | 304757651 | XXX | 08/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/13/2025 | A |
| XXX | XXX | 304757651 | XXX | 08/13/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/13/2025 | A |
| XXX | XXX | 304763918 | XXX | 08/18/2025 | Credit | Missing Doc | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing VOM for XXX with balance of XXX paid off on XX/XX/XXXX from sale of "XXX". A supplement credit report provided showing an account with XXX was paid in full and closed XX/XX/XXXX, not the same account that was paid off XX/XX/XXXX. Provide VOM reflecting XXX. | McLemore is not the subject property. It was sold in May. We are not going to obtain mortgage history on a sold property that is no longer reflecting on borrower's credit. | Payment history is present on credit report page XXX with DLA XX/XX/XXXX. ; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing |  | Rescinded |  | A |
| XXX | XXX | 304763918 | XXX | 08/13/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in HCLTV of 75% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 08/13/2025 | A |
| XXX | XXX | 304763918 | XXX | 08/13/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 08/13/2025 | A |
| XXX | XXX | 304757631 | XXX | 08/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/06/2025 | A |
| XXX | XXX | 304757631 | XXX | 08/06/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/06/2025 | A |
| XXX | XXX | 304757631 | XXX | 08/06/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/06/2025 | A |
| XXX | XXX | 304757612 | XXX | 08/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 54.13% is less than Guideline LTV of 54.13% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.13% is less than Guideline LTV of 74.84% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/11/2025 | A |
| XXX | XXX | 304757612 | XXX | 08/11/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.84% is less than Guideline CLTV of 74.84% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 74.84% is less than Guideline CLTV of 74.84% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/11/2025 | A |
| XXX | XXX | 304757612 | XXX | 08/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.84% is less than Guideline CLTV of 74.84% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 74.84% is less than Guideline CLTV of 74.84% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/11/2025 | A |
| XXX | XXX | 304757606 | XXX | 08/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 08/05/2025 | A |
| XXX | XXX | 304757606 | XXX | 08/05/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 08/05/2025 | A |
| XXX | XXX | 304757606 | XXX | 08/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 08/05/2025 | A |
| XXX | XXX | 304763868 | XXX | 08/11/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in HCLTV of 75% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirement have been met. HPML Downgraded |  | HPML compliant | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/11/2025 | C A |
| XXX | XXX | 304763868 | XXX | 08/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/11/2025 | A |
| XXX | XXX | 304763868 | XXX | 08/11/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/11/2025 | A |
| XXX | XXX | 304763847 | XXX | 08/18/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 74.84% is less than Guideline CCLTV of 74.84% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 74.84% is less than Guideline CCCLTV of 74.84% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/18/2025 | A |
| XXX | XXX | 304763847 | XXX | 08/18/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.07% is less than Guideline LTV of 61.07% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.07% is less than Guideline CLTV of 61.07% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/18/2025 | A |
| XXX | XXX | 304763847 | XXX | 08/18/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 48.85% is less than Guideline CLTV of 48.85% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 48.85% is less than Guideline CCLTV of 48.85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/18/2025 | A |
| XXX | XXX | 304763816 | XXX | 08/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 08/11/2025 | A |
| XXX | XXX | 304763816 | XXX | 08/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 08/11/2025 | A |
| XXX | XXX | 304763816 | XXX | 08/11/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 08/11/2025 | A |
| XXX | XXX | 304763758 | XXX | 08/27/2025 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property |  | Document Uploaded. ; Document Uploaded. Hi, it's on pages XXX - XXX of our package | Verification of hazard and HOA, and revised 1003s, were uploaded. Exception resolved. ; Revision to previous request, please provide the hazard insurance policy for REO at XXX South XXX. Please also confirm if there are any HOA fees for XXX S. Gillete, XXX S. XXX, XXX S. XXX, and XXX Fliker. In addition, the mortgage account Statements indicate payments for XXX S. XXX and XXX Fliker are PITI, but the Final 1003s have additional amounts listed under TIA ($XXX for XXX & XXX for Fliker). If these TIA amounts are not HOA fees, please provide a revised 1003 showing these amounts removed. | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/27/2025 | D A |
| XXX | XXX | 304763758 | XXX | 08/15/2025 | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Borrower 2 Executed XXX-T Missing Co-borrower was qualified with W2 income and form XXX-T form XXX. | Document Uploaded. | XXX provided, exception resolved. ; Borrower 2 Executed XXX-T Provided or XXX (equals XXX) | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/15/2025 | D A |
| XXX | XXX | 304763758 | XXX | 08/13/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/13/2025 | A |
| XXX | XXX | 304818115 | XXX | 08/26/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in HCLTV of 75% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML compliant | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 08/26/2025 | A |
| XXX | XXX | 304818115 | XXX | 08/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 08/26/2025 | A |
| XXX | XXX | 304818115 | XXX | 08/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 08/26/2025 | A |
| XXX | XXX | 304366863 | XXX | 10/21/2024 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Guidelines require the completion of a third party verification of employment within XXX days of closing and is missing from the file. | Proof of self-employment. Borrower is a professional real eState developer and is a managing member of the borrowing entity | Received missing VOE. Exception resolved. ; Borrower 1 3rd Party VOE Prior to Close Was Provided | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/21/2024 | D A |
| XXX | XXX | 304366863 | XXX | 10/21/2024 | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing Guidelines require the completion of a third party verification of employment within XXX days of closing and is missing from the file. | Proof of self-employment. Borrower is a professional real eState developer and is a managing member of the borrowing entity | Received missing VOE. Exception resolved. ; Received missing VOE. Exception resolved. ; Borrower 2 3rd Party VOE Prior to Close Was Provided or XXX (equals XXX) | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/21/2024 | D A |
| XXX | XXX | 304366863 | XXX | 10/21/2024 | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Audited HCLTV of XXX% exceeds Guideline HCLTV of XXX%. The property was purchased by the borrowers XX/XX/XXXX for XXX with documented improvements totaling $XXX. Underwriting value per guidelines is $XXX. It appears the Lender used appraised value of XXX |  | Received Client and Seller response requesting an exception for LTV/CLTV. Exception downgraded to a level 2/B. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Acknowledged |  | No C B |
| XXX | XXX | 304366863 | XXX | 10/21/2024 | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX%. The property was purchased by the borrowers XX/XX/XXXX for XXX with documented improvements totaling $XXX. Underwriting value per guidelines is $XXX. It appears the Lender used appraised value of XXX |  | Received Client and Seller response requesting an exception for LTV/CLTV. Exception downgraded to a level 2/B. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Acknowledged |  | No C B |
| XXX | XXX | 304366863 | XXX | 10/21/2024 | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX%. The property was purchased by the borrowers XX/XX/XXXX for XXX with documented improvements totaling $XXX. Underwriting value per guidelines is $XXX. It appears the Lender used appraised value of XXX |  | Received Client and Seller response requesting an exception for LTV/CLTV. Exception downgraded to a level 2/B. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Acknowledged |  | No C B |
| XXX | XXX | 304366863 | XXX | 10/21/2024 | Credit | Missing Doc | The Initial 1003 is Missing | The Initial 1003 is Missing Please provide a copy of the initial 1003 completed by the borrowers. |  | Received Client and Seller response requesting an exception for missing 1003 for business purpose loan. Exception downgraded to a level 2/B. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Acknowledged |  | No D B |
| XXX | XXX | 304366863 | XXX | 10/21/2024 | Credit | Missing Doc | The Final 1003 is Missing | The Final 1003 is Missing Please provide a copy of the initial application and final applications that the borrowers have signed. |  | Received Client and Seller response requesting an exception for missing 1003 for business purpose loan. Exception downgraded to a level 2/B. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Acknowledged |  | No D B |
| XXX | XXX | 304366863 | XXX | 10/21/2024 | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. The file is missing the lender's final approval. Please provide a copy of the final approval for review. |  | Exception is non-material and graded as level 2/B. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Acknowledged |  | No B |
| XXX | XXX | 304366863 | XXX | 08/01/2024 | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation not provided | Borrower 2 hip Documentation Is Missing Please provide a copy of the application which contains all the borrower's information regarding hip. | Borrower 2 ID | Borrower 2 hip Documentation Provided or Not Required | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 08/01/2024 | D A |
| XXX | XXX | 304366863 | XXX | 07/31/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 07/31/2024 | A |
| XXX | XXX | 304366863 | XXX | 07/31/2024 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 07/31/2024 | A |
| XXX | XXX | 304484798 | XXX | 01/08/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | . | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/08/2025 | A |
| XXX | XXX | 304484798 | XXX | 01/08/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | . | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/08/2025 | A |
| XXX | XXX | 304484798 | XXX | 01/08/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 80% LTV some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | . | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/08/2025 | A |
| XXX | XXX | 304679065 | XXX | 04/30/2025 | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Per Guidelines, a credit refresh or undisclosed debt monitoring report dated within XXX days of closing is required, unless the original credit report is dated within XXX days from the Note Date. The Borrowers' credit report is dated XX/XX/XXXX, XXX days prior to the note date. Please provide a credit refresh or undisclosed debt monitoring report dated within XXX days from the note date to confirm no new debt has been incurred by the Borrower. | Document Uploaded. | Borrower 1 Gap Credit Report is not missing.; Credit refresh report dated within XXX days of closing was provided. | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 04/30/2025 | D A |
| XXX | XXX | 304679065 | XXX | 04/25/2025 | Credit | Eligibility | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX Per Guidelines, a minimum credit score of XXX is required with a loan-to-value (LTV) of XXX% and the Borrower's credit score is XXX which is below the required minimum of XXX Lender approved exception was documented in file for the 5% LTV with a XXX score using the following compensating factors: XXX months reserves greater than program requirements, DTI > XXX% below program requirement, High Discretionary Income, XXX years in current job and VOR/VOM XXX. |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Acknowledged |  | Yes C B |
| XXX | XXX | 304679065 | XXX | 04/25/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 04/25/2025 | A |
| XXX | XXX | 304679065 | XXX | 04/25/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 04/25/2025 | A |
| XXX | XXX | 304679053 | XXX | 06/02/2025 | Credit | Missing Doc | Borrower 1 Award Letter Missing | Borrower 1 Award Letter Missing. No SSI income verified because of no documents. | Document Uploaded. ; Attached to STR condition | Borrower 1 Award Letter Provided; A copy of the SSI award letter provided validates SSI income for the borrower. ; Not uploaded | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 06/02/2025 | D A |
| XXX | XXX | 304679053 | XXX | 06/02/2025 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing Award Letters for Social Security and Royalties | attached to STR condition | Income and Employment Meet Guidelines; ; Not uploaded | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 06/02/2025 | C A |
| XXX | XXX | 304679053 | XXX | 06/02/2025 | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Borrower 1 Gap Credit Report is Missing | Document Uploaded. | Borrower 1 Gap Credit Report is not missing. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 06/02/2025 | D A |
| XXX | XXX | 304679053 | XXX | 06/02/2025 | Credit | Missing Doc | Title Document Missing | Title Document is missing Title Document is missing | Document Uploaded. | Title Document is fully Present | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 06/02/2025 | D A |
| XXX | XXX | 304679053 | XXX | 06/02/2025 | Property | Missing Doc | Appraisal is Missing | Appraisal is Missing. Appraisal is Missing. | Document Uploaded. | Appraisal is Present or is Waived | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 06/02/2025 | D A |
| XXX | XXX | 304679053 | XXX | 06/02/2025 | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. XXX is missing from file. | Document Uploaded. | Approval/Underwriting Summary is fully present; Missing Approval/Underwriting Summary. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 06/02/2025 | B A |
| XXX | XXX | 304679053 | XXX | 06/02/2025 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. Appraisal is missing from file. | attached to appraisal condition with appraisal package | Third party valuation product provided within tolerance.; Third Party Valuation Product XXX or XXX Within Tolerance. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 06/02/2025 | C A |
| XXX | XXX | 304679053 | XXX | 06/02/2025 | Credit | Missing Doc | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Third Party Fraud Report | Document Uploaded. | Third Party Fraud Report is provided | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 06/02/2025 | D A |
| XXX | XXX | 304679053 | XXX | 06/02/2025 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Nothing in file to reflect the initial e-signature dated on or before XX/XX/XXXX. | Document Uploaded. | Evidence of eConsent is provided. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 06/02/2025 | B A |
| XXX | XXX | 304679053 | XXX | 06/02/2025 | Credit | Eligibility | ATR Risk | ATR Risk Missing Award Letters for Social Security and Royalties | Document Uploaded. | ATR Risk Resolved; Nothing was uploaded to address the ATR risk condition. ATR Risk Missing Award Letters for Social Security and Royalties; | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 06/02/2025 | C A |
| XXX | XXX | 304679051 | XXX | 05/13/2025 | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Audited 5% LTV exceeds Guideline 5% LTV Guidelines State a 5% LTV reduction due to less than XXX | Document Uploaded. | Exception provided. Exception to waive XXX% reduction to LTV for under XXX Compensating factors: Fico above minimum by XXX points or higher, XXX months reserves greater than program requirement, VOR 0x30 in XXX months. Exception approved. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Acknowledged |  | Yes C B |
| XXX | XXX | 304679051 | XXX | 05/13/2025 | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline 5% HCLTV Guidelines State a 5% HCLTV reduction due to less than XXX | Document Uploaded. | Exception provided. Exception to waive XXX% reduction to LTV for under XXX Compensating factors: Fico above minimum by XXX points or higher, XXX months reserves greater than program requirement, VOR 0x30 in XXX months. Exception approved. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Acknowledged |  | Yes C B |
| XXX | XXX | 304679051 | XXX | 05/13/2025 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% due to the Lender counted XXX% XXX income. | Document Uploaded. | Exception provided. Exception to waive XXX% reduction to LTV for under XXX Compensating factors: Fico above minimum by XXX points or higher, XXX months reserves greater than program requirement, VOR 0x30 in XXX months. Exception approved. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Acknowledged |  | Yes C B |
| XXX | XXX | 304679051 | XXX | 05/13/2025 | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Audited 5% CLTV exceeds Guideline 5% CLTV Guidelines State a 5% CLTV reduction due to less than XXX | Document Uploaded. | Exception provided. Exception to waive XXX% reduction to LTV for under XXX Compensating factors: Fico above minimum by XXX points or higher, XXX months reserves greater than program requirement, VOR 0x30 in XXX months. Exception approved. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Acknowledged |  | No C B |
| XXX | XXX | 304679051 | XXX | 05/08/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 05/08/2025 | A |
| XXX | XXX | 304679050 | XXX | 05/16/2025 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing A Third Party Verification for XXX was not found in the file, please provide search results from the XXX Secretary of State. | Document Uploaded. ; Document Uploaded. | Borrower 1 3rd Party VOE Prior to Close Was Provided; Received the VOB for XXX dated XX/XX/XXXX. ; A Third-Party Verification for XXX is missing. The existence of the business must be independently verified through a disinterested third party within XXX business days of closing. | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 05/16/2025 | D A |
| XXX | XXX | 304679050 | XXX | 05/08/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 05/08/2025 | A |
| XXX | XXX | 304679050 | XXX | 05/08/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 05/08/2025 | A |
| XXX | XXX | 304495397 | XXX | 03/06/2025 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Document Uploaded. | Required Affiliated Business Disclosure Documentation Provided; Affiliated attestation provided; Exception resolved | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.85% is less than Guideline CLTV of 48.85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 48.85% is less than Guideline CLTV of 48.85% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/06/2025 | B A |
| XXX | XXX | 304495397 | XXX | 02/27/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.85% is less than Guideline CLTV of 48.85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 48.85% is less than Guideline CLTV of 48.85% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/27/2025 | A |
| XXX | XXX | 304495397 | XXX | 02/27/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.85% is less than Guideline CLTV of 48.85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 48.85% is less than Guideline CLTV of 48.85% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/27/2025 | A |
| XXX | XXX | 304495391 | XXX | 03/12/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in (12 CFR ##_DA_##(ii)(A), (B)) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  | HPML complete | Qualifying DTI below max allowed. - | Resolved | 03/12/2025 | A |
| XXX | XXX | 304495391 | XXX | 03/12/2025 | Compliance | Points & Fees | High-Cost Mortgage Points and Fees Threshold Test | This loan failed the high-cost mortgage points and fees threshold test due to one of the following findings: [[(12 CFR ##_DA_##(ii)(A), (B))]] The is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total of $XXX; orThe is less than XXX and the transaction's total points and fees is XXX which exceeds the lesser of XXX percent of the total of XXX or $XXX. This loan failed the high-cost mortgage points and fees threshold test due to one of the following findings: [[(12 CFR ##_DA_##(ii)(A), (B))]] The is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total of $XXX; or The is less than XXX and the transaction's total points and fees is XXX which exceeds the lesser of XXX percent of the total of XXX or $XXX. | Document Uploaded. ; Missing undiscounted rate | Applied undiscounted rate from mavent supplied from client- exception resolved. | Qualifying DTI below max allowed. - | Resolved | 03/12/2025 | C A |
| XXX | XXX | 304495391 | XXX | 03/12/2025 | Compliance | Disclosure | High-Cost Mortgage Timing of Disclosure Test | This loan failed the high-cost mortgage timing of disclosure test due to one of the following findings: [[(XXX CFR §1026.31(c) he High-Cost Mortgage Disclosure Date indicates the creditor did not furnish the disclosure required by XXX CFR §1026.32 at least three business days prior to the consummation or account opening of a high-cost mortgage; orThe High-Cost Mortgage Disclosure Date was XXX; orNeither the consummation date nor the was provided. Missing undiscounted rate | Document Uploaded. | Applied undiscounted rate from mavent supplied from client- exception resolved. | Qualifying DTI below max allowed. - | Resolved | 03/12/2025 | C A |
| XXX | XXX | 304495391 | XXX | 03/12/2025 | Compliance | Disclosure | High-Cost Mortgage Pre-Loan Counseling Date Test | This loan failed the high-cost mortgage pre-loan counseling date test due to one of the following findings: (12 CFR ##_CY_##, (ii))]] The loan is a XXX RESPA loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the good faith estimate or the disclosures required by XXX CFR §1026.40; orThe loan is a XXX TRID loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the initial loan estimate or the disclosures required by XXX CFR §1026.40; orThe loan is a chattel loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received the disclosures required by XXX CFR §1026.32; orThe High-Cost Mortgage Pre-Loan Counseling Date was XXX; orThe High-Cost Mortgage Pre-Loan Counseling Date is on or after the or estimated ertification of counseling required. A creditor shall not extend a high-cost mortgage to a consumer unless the creditor receives written certification that the consumer has obtained counseling on the advisability of the mortgage from a counselor that is approved to provide such counseling by the Secretary of the U. Department of Housing and Urban Development or, if permitted by the Secretary, by a State housing finance authority.(ii) Timing of counseling. The counseling required under this paragraph (a)(XXX) must occur after:(A) The consumer receives either the disclosure required by section XXX(c) of the Real EState Settlement Procedures Act of XXX (XXX U. XXX(c)) or the disclosures required by §1026.40; or(B) The consumer receives the disclosures required by §1026.32(c), for transactions in which neither of the disclosures listed in (A) are provided. Undiscounted/Starting rate missing to exclude any fees. | Document Uploaded. | Applied undiscounted rate from mavent supplied from client- exception resolved. | Qualifying DTI below max allowed. - | Resolved | 03/12/2025 | C A |
| XXX | XXX | 304495391 | XXX | 03/12/2025 | Compliance | Points & Fees | NY AB 11856 High Cost Home Loan Points and Fees Threshold Test | This loan failed the points and fees threshold test due to one of the following findings: (NY AB XXX §1, XXX-L (XXX)(g)(ii) he total points and fees (as defined in NY AB XXX) exceed five percent of the total (as defined in NY AB XXX) if the total is fifty thousand dollars or more he total points and fees exceed six percent of the total if the total is fifty thousand dollars or more and the loan is a purchase money loan guaranteed by the Federal Housing Administration or the Veterans Administration he total points and fees exceed the greater of six percent of the total or fifteen hundred dollars, if the total is less than fifty thousand dollars. Undiscounted/Starting rate missing to exclude any fees. | Document Uploaded. ; Document Uploaded. | Cure package provided to borrower; exception downgraded to a 2/B; Applied undiscounted rate of XXX% that was provided from the mavent; however exception remains. The following fees were included in testing: Application Fee paid by Borrower: XXX Commitment Fee paid by Borrower: XXX Electronic Doc Signing Fee paid by Borrower: XXX Flood Certification - Single Charge or Life of Loan paid by Borrower: XXX Legal Fee- Lender Attorney paid by Borrower: XXX Loan Origination Fee paid by Borrower: XXX Points - Loan Discount Fee paid by Borrower: XXX Tax Service Fee paid by Borrower: XXX Amount required to cure is for $XXX; cure package is required and should include a PCCD, LOE, Copy of refund check and proof of delivery to the borrower | Qualifying DTI below max allowed. - | Cured |  | C B |
| XXX | XXX | 304495391 | XXX | 02/13/2025 | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. Missing Final XXX | Document Uploaded. | Approval/Underwriting Summary is fully present; XXX Approval received. | Qualifying DTI below max allowed. - | Resolved | 02/13/2025 | B A |
| XXX | XXX | 304495391 | XXX | 02/12/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - | Resolved | 02/12/2025 | A |
| XXX | XXX | 304495367 | XXX | 03/26/2025 | Credit | Missing Doc | The Final 1003 is Incomplete | The Final 1003 is Incomplete Please provide the borrower completed unmarried addendum to the Final 1003. | Document Uploaded. | The Final 1003 is Present; Completed unmarried addendum received. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/26/2025 | D A |
| XXX | XXX | 304495367 | XXX | 03/26/2025 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Document Uploaded. | Required Affiliated Business Disclosure Documentation Provided | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/26/2025 | B A |
| XXX | XXX | 304495367 | XXX | 03/07/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/07/2025 | A |
| XXX | XXX | 304495366 | XXX | 03/14/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in (12 CFR ##_DH_##(ii)) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML requirements met. |  | HPML compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 03/14/2025 | A |
| XXX | XXX | 304495366 | XXX | 03/14/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 03/14/2025 | A |
| XXX | XXX | 304495366 | XXX | 03/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 03/14/2025 | A |
| XXX | XXX | 304495361 | XXX | 04/18/2025 | Credit | Eligibility | ATR Risk | ATR Risk Loan has been noted as ATR risk as we are missing the following income documentation: XXX months bank Statements for XX/XX/XXXX and XX/XX/XXXX supporting gross income of XXX per monthnth and confirmation that the tax preparer/CPA has prepared the borrower's most recent tax returns. The tax preparer letter provided in the file and CPA relationship form confirms Norma XXX has not prepared the borrower's latest tax return. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. | ATR Risk Resolved; CPA letter provided indicates CPA has filed the tax returns for the borrower the last two years. ; Credit report uploaded. Received XXX XXX and XXX XXX bank Statement. According to lender guidelines, the tax preparer must attest they have prepared the borrower's most recent tax returns. The tax preparer letter and the CPA relationship form in file confirms XXX has not prepared the borrower's latest tax return. Condition remains.; Received XXX XXX and XXX XXX bank Statement. According to lender guidelines, the tax preparer must attest they have prepared the borrower's most recent tax returns. The tax preparer letter and the CPA relationship form in file confirms XXX has not prepared the borrower's latest tax return. Condition remains. | Original LTV is Below the Guideline Maximum - Calculated CLTV of 48.85% is less than Guideline CCLTV of 48.85% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 48.85% is less than Guideline CCCLTV of 48.85% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 04/18/2025 | C A |
| XXX | XXX | 304495361 | XXX | 04/18/2025 | Credit | Missing Doc | Borrower 1 Personal Bank Statements Missing | Borrower 1 Personal Bank Statements Missing Please provide XXX months of personal or business bank Statements from XXX and XXX supporting the gross monthly income of XXX per monthnth listed on the profit and loss Statement. This loan was locked as a XXX months profit and loss with two months bank Statements. The XXX month P&L only is not permitted for an ITIN borrower. | Document Uploaded. ; XXX-month XXX Personal bank Statements #XXX were provided for XXX & XXX Verified income XXX | XXX XXX and XXX XXX bank Statement received supports the gross monthly income of XXX per monthnth listed on the profit and loss Statement.; Borrower 1 Personal Bank Statements Provided; According to the Acquisition Flex Guidelines XXX, page XXX YTD P&L along with most recent XXX months of bank Statement that align with the good through date on the P&L is required. XXX and XXX bank Statements are required to align with the good through date on P&L of XX/XX/XXXX. Condition remains. | Original LTV is Below the Guideline Maximum - Calculated CLTV of 48.85% is less than Guideline CLTV of 48.85% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 48.85% is less than Guideline CCLTV of 48.85% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 04/18/2025 | D A |
| XXX | XXX | 304495361 | XXX | 04/18/2025 | Property | Appraisal | Appraisal is Expired | Primary Value Appraisal is Expired Please provide a 1004D/appraisal update confirming the appraised value of XXX is still supported. The XXX in the file is dated XX/XX/XXXX and is over XXX days old at the time of closing. | Document Uploaded. | Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist; 1004D Completion Cert with an inspection date of XX/XX/XXXX was received. | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.85% is less than Guideline LTV of 48.85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.85% is less than Guideline CLTV of 48.85% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 04/18/2025 | C A |
| XXX | XXX | 304495361 | XXX | 03/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.85% is less than Guideline LTV of 48.85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.85% is less than Guideline CLTV of 48.85% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/04/2025 | A |
| XXX | XXX | 304679048 | XXX | 04/14/2025 | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. | Additional information provided. Business pays XXX, bank Statement verification in file. | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX.; Excluding XXX yields XXX or XX/XX/XXXX mo in reserves. Meets reserve requirements. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 04/14/2025 | C A |
| XXX | XXX | 304679048 | XXX | 04/14/2025 | Credit | Missing Doc | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing VOR from landlord/managment company. | Document Uploaded. ; Document Uploaded. Lease attached the payment history is in the account. | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Bank Statement provided verifies XXX rental payment. ; Lease and bank Statements verify rental payments. Subject loan closed on XX/XX/XXXX, missing verification of XXX XXX rental housing payment to verify housing payment history of 0x30 at time of closing. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 04/14/2025 | D A |
| XXX | XXX | 304679048 | XXX | 03/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 03/31/2025 | A |
| XXX | XXX | 304679048 | XXX | 03/31/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 03/31/2025 | A |
| XXX | XXX | 304679044 | XXX | 05/01/2025 | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Missing gap credit report as required by guidelines, dated XX/XX/XXXX. | Document Uploaded. | Borrower 1 Gap Credit Report is not missing.; Undisclosed Debt monitoring report dated within XXX days of closing received. | Original CLTV is Below the Guideline Maximum - Calculated LTV of 48.85% is less than Guideline LTV of 48.85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 48.85% is less than Guideline LTV 74.38% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 05/01/2025 | D A |
| XXX | XXX | 304679044 | XXX | 05/01/2025 | Credit | Missing Doc | Missing letter of explanation | Missing letter of explanation from Borrower stating there are no HOA dues for vacant land property. | Document Uploaded. | Property printout indicates no HOA payments. | Original CLTV is Below the Guideline Maximum - Calculated ##PC## is less than Guideline ##PC## \| Original LTV is Below the Guideline Maximum - Calculated ##PC## is less than Guideline ##PC## \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 05/01/2025 | D A |
| XXX | XXX | 304679044 | XXX | 04/28/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML with established escrows and met appraisal requirements, therefore, downgraded to grade A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in ((12 CFR ##_DH_##(ii)) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML compliant | Original CLTV is Below the Guideline Maximum - Calculated ##PC## is less than Guideline ##PC## \| Original LTV is Below the Guideline Maximum - Calculated ##PC## is less than Guideline ##PC## \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 04/28/2025 | A |
| XXX | XXX | 304679044 | XXX | 04/28/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Original CLTV is Below the Guideline Maximum - Calculated ##PC## is less than Guideline ##PC## \| Original LTV is Below the Guideline Maximum - Calculated ##PC## is less than Guideline ##PC## \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 04/28/2025 | A |
| XXX | XXX | 304679043 | XXX | 05/07/2025 | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Missing gap credit report, as required by guidelines, dated XX/XX/XXXX. | Document Uploaded. | Borrower 1 Gap Credit Report is not missing.; Credit refresh report dated within XXX days of closing was provided. ; Borrower 1 Gap Credit Report is Missing | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 05/07/2025 | D A |
| XXX | XXX | 304679043 | XXX | 05/07/2025 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Guidelines, dated XX/XX/XXXX, require rental income verified without tax returns to include two months of bank Statements demonstrating receipt of rental income. Missing evidence of XXX XXX rent receipt. | Document Uploaded. ; Please clarify the counter it seems contradictory stating there is proof of XXX payment and XXX payment is needed.; Document Uploaded. | Income and Employment Meet Guidelines; Although the borrower indicated he received the XXX rent on XX/XX/XXXX – there is no evidence of the borrower's receipt of the rent. Missing a check deposit or bank Statement deposit to validate the borrower's receipt of the XXX rent. ; According to LOX from borrower XXX rent of XXX was received on XX/XX/XXXX, evidence of receipt of XXX rent of XXX is missing. Condition remains. | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 05/07/2025 | C A |
| XXX | XXX | 304679043 | XXX | 05/07/2025 | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Guidelines, dated XX/XX/XXXX, require the most recent XXX months housing history. Missing housing history for XXX XXX for the Borrower's primary residence. | Document Uploaded. | Housing History Meets Guideline Requirements; Credit refresh report and mortgage Statement dated XX/XX/XXXX validates the XX/XX/XXXX mortgage payment was made. ; Housing History Does Not Meet Guideline Requirements | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 05/07/2025 | C A |
| XXX | XXX | 304679043 | XXX | 04/25/2025 | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Missing letter of explanation for credit inquiries on origination credit report,, as required by guidelines, dated XX/XX/XXXX. | Per our correspondent, those are credit pulls from XXX when the LO was working on the loan prior to the application. We shouldn't need additional an inquiry LOE for our own credit pulls. Please review and waive the condition. | Lender comments reviewed and validated credit inquiries are from origination credit pulls. | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 04/25/2025 | D A |
| XXX | XXX | 304679043 | XXX | 04/17/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 04/17/2025 | A |
| XXX | XXX | 304679043 | XXX | 04/17/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 04/17/2025 | A |
| XXX | XXX | 304679034 | XXX | 04/28/2025 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The second investment property listed on the Final 1003 reflects, insurance and HOA of $XXX. The loan file is missing the documentation to verify the expenses for that property. | Document Uploaded. ; Document Uploaded. | Expenses verified as taxes only. ; Fraud Report reflects property XXX XXX as an owner occupied XXX. Fraud report also reflects a deed recorded on XX/XX/XXXX with a XXX loan to a private party. Unable to verify land only property. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 04/28/2025 | D A |
| XXX | XXX | 304679034 | XXX | 04/16/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 04/16/2025 | A |
| XXX | XXX | 304679034 | XXX | 04/16/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 04/16/2025 | A |
| XXX | XXX | 304679033 | XXX | 05/02/2025 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines CPA letter provided for verification of self-employment is not dated within XXX-days of the note date. CPA letter is dated XX/XX/XXXX and note date is XX/XX/XXXX. | Document Uploaded. | Income and Employment Meet Guidelines; Business license provided indicates business is active at the time of loan closing. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 05/02/2025 | C A |
| XXX | XXX | 304679033 | XXX | 05/02/2025 | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Missing gap credit report dated within XXX days of the note date required by guidelines. | Document Uploaded. | Borrower 1 Gap Credit Report is not missing.; Undisclosed debt monitoring report dated within XXX days of closing received. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 05/02/2025 | D A |
| XXX | XXX | 304679033 | XXX | 04/29/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 04/29/2025 | A |
| XXX | XXX | 304679033 | XXX | 04/29/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 04/29/2025 | A |
| XXX | XXX | 304495351 | XXX | 03/19/2025 | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (((12 CFR ##_DH_##(ii))]] The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Documentation Required: Missing proof Initial CD was provided within XXX days of closing. | Document Uploaded. ; Correspondent sent this out regular mail. What can they provide as proof it was sent? I was thinking a copy of the cancelled check. They were asking if they could just send an email to the borrower stating the check is coming.; Document Uploaded. ; Document Uploaded. ; Document Uploaded. ; Document Uploaded. | Cure package provided to the borrower; Exception downgraded to a 2/B; Yes, once the borrower cashes the check, the cancelled check can be provided as proof of receipt ; COC provided was dated XX/XX/XXXX which indicates a cure of XXX was required, however the cure was removed on the final CD. The cure disclosed was for a increase in transfer taxes that was already applied. The XXX% tolerance violation of XXX was applied to the increase in transfer taxes that were over tolerance. The XXX was removed and still required to be cured. Total cure amount should have been XXX however only XXX was given at consummation.; The CD dated XX/XX/XXXX shows a cure of XXX which was changed to XXX however the XXX cure was applied to the increase in transfer taxes without a valid COC. The cure for XXX is still required; Cure required of $XXX. The XXX% tolerance violation is due to the increase in recording fees on the final CD without a valid COC. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Cured |  | C B |
| XXX | XXX | 304495351 | XXX | 02/17/2025 | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Documentation Required: Missing proof Initial CD was provided within XXX days of closing. This loan failed the initial closing disclosure delivery date test due to one of the following findings:[[(12 CFR ##_DH_##(ii))]] The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. | Document Uploaded. ; Document Uploaded. | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/17/2025 | C A |
| XXX | XXX | 304495351 | XXX | 02/17/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to LTV of 70% is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Documentation Required: Missing proof Initial CD was provided within XXX days of closing. | Document Uploaded. | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/17/2025 | C A |
| XXX | XXX | 304495351 | XXX | 02/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/12/2025 | A |
| XXX | XXX | 304495351 | XXX | 02/12/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/12/2025 | A |
| XXX | XXX | 304495350 | XXX | 04/03/2025 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Audit DTI XXX% vs Lender DTI XXX% result of gap report with increase in monthly payments for remaining open accounts increased by XXX AND per Final XXX Lender did not include the subject HOA of XXX per month for total of XXX not considered in their Final DTI analysis | Document Uploaded. | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; ; Lender provided executed Loan Exception Approval Form for ##MO## exceeding XXX% max allowed with a DTI greater than XXX% and a XXX FICO score citing three XXX months reserves greater than program requirement, high discretionary income, five XXX years in current job, and VOR 0x30 in XXX months (checks for private) as compensating factors. | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 04/03/2025 | C A |
| XXX | XXX | 304495350 | XXX | 03/26/2025 | Credit | Eligibility | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX UW used B2 mid score of XXX as primary wage earner to qualify, however B1 is primary wage earner. | Document Uploaded. | Lender provided executed Loan Exception Approval Form for CLTV of 65% exceeding XXX% max allowed with a DTI greater than XXX% and a XXX FICO score citing three XXX months reserves greater than program requirement, high discretionary income, five XXX years in current job, and VOR 0x30 in XXX months (checks for private) as compensating factors. | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Acknowledged |  | Yes C B |
| XXX | XXX | 304495350 | XXX | 02/02/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 02/02/2025 | A |
| XXX | XXX | 304495350 | XXX | 01/31/2025 | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% Exception approved, Pg XXX to use XXX credit score with max LTV allowed up to XXX% Comp Factors include: High discretionary income; XXX yrs on job; 0x30 in prior XXX months; savings of XXX per month. XXX months reserves required and verified. |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Acknowledged |  | No B |
| XXX | XXX | 304495350 | XXX | 01/31/2025 | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% Exception approved, Pg XXX to use XXX credit score with max LTV allowed up to XXX% Comp Factors include: High discretionary income; XXX yrs on job; 0x30 in prior XXX months; savings of XXX per month. XXX months reserves required and verified. |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Acknowledged |  | No B |
| XXX | XXX | 304495350 | XXX | 01/31/2025 | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% Exception approved, Pg XXX to use XXX credit score with max LTV allowed up to XXX% Comp Factors include: High discretionary income; XXX yrs on job; 0x30 in prior XXX months; savings of XXX per month. XXX months reserves required and verified. |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Acknowledged |  | No B |
| XXX | XXX | 304495349 | XXX | 02/06/2025 | Credit | Missing Doc | The Note is Incomplete | The Note is Incomplete The Note provided lists XXX people signing as Managing Members of the LLC. Both appear as "borrowers" on the Note. However, there is no Final 1003 for XXX XXX who is spouse and XXX% owner of the LLC. Per GLs, the LLC cannot be the "borrower", "only XXX can act borrowers". Since V XXX is signing the same way as the primary borrower, it is assumed she is a borrower. This would necessitate a Final 1003 for her as well, which is not present. Assuming, V XXX is only being used as an LLC signer, Lender to provide corrected Note confirming she is signing "for" the LLC. If not, Lender to provide a complete, fully executed Final 1003 for her. | XXXia is signing for vesting only. She is not on the loan. See page XXX of guided second bullet. | The Note is Present | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 02/06/2025 | D A |
| XXX | XXX | 304495349 | XXX | 02/03/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 02/03/2025 | A |
| XXX | XXX | 304495349 | XXX | 02/03/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 02/03/2025 | A |
| XXX | XXX | 304495349 | XXX | 02/03/2025 | Property | Appraisal | Appraisal is Expired | Primary Value Appraisal is Expired Not Valid- XXX Update provided dated XXX, which has been entered in the system. |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Acknowledged |  | No B |
| XXX | XXX | 304495349 | XXX | 02/03/2025 | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Borrower 1 Paystubs Less Than XXX Month Provided Permitted by Lender Gls. |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Acknowledged |  | B |
| XXX | XXX | 304495327 | XXX | 03/03/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 80.00% LTV some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML escrow established, appraisal requirement met |  | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 03/03/2025 | A |
| XXX | XXX | 304495327 | XXX | 03/03/2025 | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Documentation required: Please remit the Initial and any subsequent CD's for testing. This loan failed the initial closing disclosure delivery date test due to one of the following findings:[[78.27% LTV]] The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. | Document Uploaded. | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 03/03/2025 | C A |
| XXX | XXX | 304495327 | XXX | 03/03/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Documentation required: Please remit the Initial and any subsequent CD's for testing. This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to 78.27% LTV is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | uploaded | initial CD and cure provided on final CD; Exception resolved; initial CD and cure provided on final CD; Exception resolved | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 03/03/2025 | C A |
| XXX | XXX | 304495327 | XXX | 02/27/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 02/27/2025 | A |
| XXX | XXX | 304495327 | XXX | 02/27/2025 | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Lender Exception page XXX Private XXX Verification of rent verifies the rental history, but the LOE in the file indicates that all payments with the exception of XXX XXX have been made in cash. A lender exception for XXX months cancelled checks has been granted. Compensating factors include: DTI > than XXX% below program requirements and XXX years in current job. |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Acknowledged |  | Yes B |
| XXX | XXX | 304679013 | XXX | 05/01/2025 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | Document Uploaded. | Evidence of eConsent is provided. | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 05/01/2025 | B A |
| XXX | XXX | 304679013 | XXX | 04/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 04/14/2025 | A |
| XXX | XXX | 304679013 | XXX | 04/14/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 04/14/2025 | A |
| XXX | XXX | 304679010 | XXX | 05/21/2025 | Credit | Data | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). Hazard insurance policy reflects insufficient coverage of XXX required coverage amount is XXX The hazard insurance policy does reflects replacement cost coverage, however no value was provided. Provide hazard insurance with sufficient coverage of XXX | Document Uploaded. | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; Replacement cost estimate received. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 05/21/2025 | C A |
| XXX | XXX | 304679010 | XXX | 05/21/2025 | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing verification borrower owns "XXX" due to funds of XXX from business account were transferred to borrower's personal account on XX/XX/XXXX. Additional conditions may apply. | Please exclude the XXX deposit from the Assets, borrower should still have enough assets. | Asset Qualification Meets Guideline Requirements; Client confirmed exclusion of XXX transfer from business account. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 05/21/2025 | C A |
| XXX | XXX | 304679010 | XXX | 05/21/2025 | Credit | Missing Doc | The Final 1003 is Incomplete | The Final 1003 is Incomplete Final 1003 section 2d. Other liabilities and Expenses section reflects "Other-Qualifying PITI" monthly payment of $XXX. Provide documentation for said debt. Additional conditions may apply. | Document Uploaded. | The Final 1003 is Present; 2d on final application updated. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 05/21/2025 | D A |
| XXX | XXX | 304679010 | XXX | 05/21/2025 | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing The Homeownership Counseling Organization List is missing. The exception can be cured by providing evidence that shows the disclosure was provided to the consumer within three business days of the application XX/XX/XXXX. | Document Uploaded. | Homeownership Counseling Disclosure Is Present or XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 05/21/2025 | B A |
| XXX | XXX | 304679010 | XXX | 05/21/2025 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing The Affiliated Business Disclosure is missing. The exception can be cured by providing evidence that shows the disclosure was provided to the consumer. | Document Uploaded. | Required Affiliated Business Disclosure Documentation Provided | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 05/21/2025 | B A |
| XXX | XXX | 304679010 | XXX | 05/21/2025 | Credit | Missing Doc | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Lender exception for unable to provide cancelled checks for private party VOM. Lender provided a credit supplement in lieu of cancelled checks. Compensating factors: XXX months reserves grater than program requirement, high discretionary income, XXX years in current job. Borrower has been self-XXX for XXX yrs in the business and will have over XXX months of post closing reserves. |  | Exception in file on pg XXX - Borrower is unable to provide cancelled checks for private party VOM. Lender provided a credit supplement in lieu of the cancelled checks. Approved XXX% max LTV, XXX% Max DTI, XX/XX/XXXX pricing hit. Approved. Compensating factors: XXX months reserves greater than program requirement, high discretionary income and XXX years in current job. VOR/credit supplement is on pg XXX | Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes D B |
| XXX | XXX | 304679010 | XXX | 05/21/2025 | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | The title commitment report and mortgage reflect property is located in a PUD development. Appraisal completed XX/XX/XXXX does not reflect property is a PUD. Provide updated 1st page of appraisal showing property is a PUD or clarification for section not being marked. | Document Uploaded. ; Document Uploaded. | ; Received the corrected appraisal from XXX reflecting as a PUD. ; Received corrected appraisal from XX/XX/XXXX reflecting as a PUD. We are still missing the correction on the appraisal completed XX/XX/XXXX reflecting as a PUD - appraiser is XXX and the value is XXX ; Appraisal received. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 05/21/2025 | C A |
| XXX | XXX | 304679010 | XXX | 05/16/2025 | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:[[78.27% LTV]] The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. This loan failed the initial closing disclosure delivery date test due to one of the following findings:[[(XXX CFR §1026.19(f)(1)(ii). The initial CD is missing from the loan file. The earliest CD in the loan file was issued on XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XX/XX/XXXX. | Document Uploaded. | Initial CD with receipt date provided; exception resolved; Initial CD with receipt date provided; exception resolved | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 05/16/2025 | C A |
| XXX | XXX | 304679002 | XXX | 05/13/2025 | Compliance | QM-ATR | Regulation § 1026.43(c)(2)(vi) failure - The consumer's current debt obligations, alimony, and child support or other debt obligations were not confirmed and included in the DTI or excluded per lender guidelines. | Regulation § 1026.43(c)(2)(vi) failure - The consumer's current debt obligations, alimony, and child support or other debt obligations were not confirmed and included in the DTI or excluded per lender guidelines. Please provide a copy of the complete divorce decree, separation agreement and maintenance agreement with all addendums/amendments including attachment B and C. The document recording information shows there should be XXX pages. Only XXX of the XXX have been provided. In addition, Page XXX of the Request to domesticate, and record of foreign judgment States the borrower is mandated a monthly amount and others which was agreed to be paid by XXX. Please include any translation documents to English as well. If the borrower is still responsible for support payments, that obligation will need to be included in the DTI. | Document Uploaded. ; Document Uploaded. ; There is no documentation in file that borrower has other debt obligations. | The consumer's current debt obligations, alimony, and child support or other debt obligations were confirmed.; Document Uploaded. ; Divorce decree unable to open file. ; Page XXX of the credit package refers to subject property being granted to ex wife and additional monthly amount mandated paid by borrower. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 05/13/2025 | C A |
| XXX | XXX | 304679002 | XXX | 04/25/2025 | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing | Document Uploaded. | Borrower 1 Gap Credit Report is not missing.; Credit refresh report dated within XXX days of closing was provided. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 04/25/2025 | D A |
| XXX | XXX | 304679002 | XXX | 04/25/2025 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | Document Uploaded. | Evidence of eConsent is provided. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 04/25/2025 | B A |
| XXX | XXX | 304679002 | XXX | 04/25/2025 | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | This loan closed as a TX50(a XX transaction. Per the lender guidelines the loan cannot close in the name of a trust. | Document Uploaded. ; Document Uploaded. Closing in trust was approved see comments from our LOS; There is nothing in guidelines prohibiting this. | ; Exception provided. Trust vesting on XXX CO 50a6. DTI more than XXX% below requirement, XXX yrs current job, VOE 0x30 in XXX months. Approved; Updated, Loan closed in a Trust. According to the Acquisition Flex Guidelines XX/XX/XXXX (Page XXX) for XXX Home Equity Loans the following borrowers are not allowed: Trusts. Clients provided LOS with approval for closing in a trust with QCD required. ; Loan closed in a Trust. According to the Acquisition Flex Guidelines XX/XX/XXXX (Page XXX-XXX) for XXX Home Equity Loans the following borrowers are not allowed: Trusts. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 04/25/2025 | C A |
| XXX | XXX | 304679002 | XXX | 04/21/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 78.27% LTV some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 04/21/2025 | A |
| XXX | XXX | 304679002 | XXX | 04/21/2025 | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:[[78.27% LTV]] The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. This loan failed the initial closing disclosure delivery date test. The consummation date is XX/XX/XXXX, and the only closing disclosure in the file is dated XX/XX/XXXX. Initial CD needed to clear exception. | Document Uploaded. | Initial CD date was provided; exception resolved; Initial CD date was provided; exception resolved | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 04/21/2025 | C A |
| XXX | XXX | 304679002 | XXX | 04/10/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 04/10/2025 | A |
| XXX | XXX | 304728911 | XXX | 6/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/30/2025 | A |
| XXX | XXX | 304728857 | XXX | 6/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/30/2025 | A |
| XXX | XXX | 304728979 | XXX | 6/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/30/2025 | A |
| XXX | XXX | 304728856 | XXX | 6/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/30/2025 | A |
| XXX | XXX | 304728917 | XXX | 6/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/26/2025 | A |
| XXX | XXX | 304728899 | XXX | 6/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/30/2025 | A |
| XXX | XXX | 304728958 | XXX | 6/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/26/2025 | A |
| XXX | XXX | 304728907 | XXX | 6/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/26/2025 | A |
| XXX | XXX | 304728938 | XXX | 7/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/1/2025 | A |
| XXX | XXX | 304728922 | XXX | 6/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/26/2025 | A |
| XXX | XXX | 304728900 | XXX | 6/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/30/2025 | A |
| XXX | XXX | 304728916 | XXX | 6/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/30/2025 | A |
| XXX | XXX | 304728871 | XXX | 6/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/30/2025 | A |
| XXX | XXX | 304728993 | XXX | 6/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/30/2025 | A |
| XXX | XXX | 304728878 | XXX | 6/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/30/2025 | A |
| XXX | XXX | 304728921 | XXX | 6/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/30/2025 | A |
| XXX | XXX | 304728967 | XXX | 6/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/30/2025 | A |
| XXX | XXX | 304728923 | XXX | 6/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/30/2025 | A |
| XXX | XXX | 304728904 | XXX | 6/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/30/2025 | A |
| XXX | XXX | 304728962 | XXX | 6/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/26/2025 | A |
| XXX | XXX | 304728849 | XXX | 6/30/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/30/2025 | A |
| XXX | XXX | 304728918 | XXX | 6/27/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/27/2025 | A |
| XXX | XXX | 304728876 | XXX | 6/30/2025 | Property | Appraisal Review | Desk Review Variance > 10% | XXX% appraisal review variance > XXX% maxium allowed. Both the field review and CDA in file do not meet criteria. Please provide an eligible appraisal review product. | XX/XX/XXXX: Waived via email | XX/XX/XXXX: Waived via email |  | Acknowledged | 1/0/1900 | C B |
| XXX | XXX | 304728903 | XXX | 6/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/30/2025 | A |
| XXX | XXX | 304728980 | XXX | 6/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/30/2025 | A |
| XXX | XXX | 304728952 | XXX | 7/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/1/2025 | A |
| XXX | XXX | 304728895 | XXX | 7/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/1/2025 | A |
| XXX | XXX | 304728868 | XXX | 7/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/1/2025 | A |
| XXX | XXX | 304728846 | XXX | 7/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/1/2025 | A |
| XXX | XXX | 304728839 | XXX | 7/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/1/2025 | A |
| XXX | XXX | 304728844 | XXX | 7/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/1/2025 | A |
| XXX | XXX | 304728936 | XXX | 7/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/1/2025 | A |
| XXX | XXX | 304728838 | XXX | 7/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/1/2025 | A |
| XXX | XXX | 304728843 | XXX | 7/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/1/2025 | A |
| XXX | XXX | 304728986 | XXX | 7/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/1/2025 | A |
| XXX | XXX | 304728902 | XXX | 7/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/1/2025 | A |
| XXX | XXX | 304728886 | XXX | 7/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/1/2025 | A |
| XXX | XXX | 304728934 | XXX | 7/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/1/2025 | A |
| XXX | XXX | 304728955 | XXX | 7/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/1/2025 | A |
| XXX | XXX | 304728885 | XXX | 7/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/1/2025 | A |
| XXX | XXX | 304728935 | XXX | 7/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/1/2025 | A |
| XXX | XXX | 304728991 | XXX | 7/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/1/2025 | A |
| XXX | XXX | 304728864 | XXX | 7/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/1/2025 | A |
| XXX | XXX | 304728862 | XXX | 7/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/1/2025 | A |
| XXX | XXX | 304728914 | XXX | 7/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/1/2025 | A |
| XXX | XXX | 304728920 | XXX | 7/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/1/2025 | A |
| XXX | XXX | 304728964 | XXX | 7/1/2025 | Credit | Closing Documentation | Closing Disclosure/Settlement Statement Missing or Defective | MIssing purchase HUD Statement or purchase contract. | XX/XX/XXXX: It was a deed from foreclosure so there's no HUD. Please review the attached. | XX/XX/XXXX: Received |  | Cleared | 7/15/2025 | D A |
| XXX | XXX | 304728861 | XXX | 7/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/1/2025 | A |
| XXX | XXX | 304728905 | XXX | 7/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/1/2025 | A |
| XXX | XXX | 304728910 | XXX | 7/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/1/2025 | A |
| XXX | XXX | 304728924 | XXX | 7/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/2/2025 | A |
| XXX | XXX | 304728869 | XXX | 7/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/1/2025 | A |
| XXX | XXX | 304728865 | XXX | 7/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/2/2025 | A |
| XXX | XXX | 304728873 | XXX | 7/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/2/2025 | A |
| XXX | XXX | 304728919 | XXX | 7/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/2/2025 | A |
| XXX | XXX | 304728906 | XXX | 7/2/2025 | Credit | Closing Documentation | Closing Disclosure/Settlement Statement Missing or Defective | Provided Settlement Statement in file is not clearly legible. Please provide an updated, legible copy. | XX/XX/XXXX: The settlement agent executed this (much more legible) copy for us, certifying it is true and correct. XX/XX/XXXX: Please see attached, much more legible HUD pre-execution. This should help you read anything that isn't as easily legible on the executed copy. | XX/XX/XXXX: Received XXX: Please provide a final executed copy of the settlement Statement that is legible. TPR cannot accept preliminary or unexecuted closing documents |  | Cleared | 7/17/2025 | D A |
| XXX | XXX | 304728957 | XXX | 7/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/2/2025 | A |
| XXX | XXX | 304728854 | XXX | 7/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/2/2025 | A |
| XXX | XXX | 304728946 | XXX | 7/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/2/2025 | A |
| XXX | XXX | 304443765 | XXX | 7/2/2025 | Credit | Credit Eligibility | Credit Event – Requirement Not Met | Credit report shows late charge- XXX day mortgage delinquency dated XX/XX/XXXX and is missing LOX | XX/XX/XXXX: LOX | XX/XX/XXXX: Received |  | Cleared | 7/15/2025 | C A |
| XXX | XXX | 304728860 | XXX | 7/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/2/2025 | A |
| XXX | XXX | 304728835 | XXX | 7/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/2/2025 | A |
| XXX | XXX | 304728882 | XXX | 7/14/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/14/2025 | A |
| XXX | XXX | 304728930 | XXX | 7/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/2/2025 | A |
| XXX | XXX | 304728908 | XXX | 7/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/2/2025 | A |
| XXX | XXX | 304728834 | XXX | 6/30/2025 | Credit | Credit Documentation | Background Check Missing or Defective | Felony Conviction on background check with description: XXX $XXX-<$25K; Please provide approval to proceed | XX/XX/XXXX: He was arrested in XXX, but then extradited in XXX and brought back to XXX, where he the case was eventually deemed nolle prose, which means any changes are not being ensued. There was no conviction | XX/XX/XXXX: Received |  | Cleared | 7/15/2025 | C A |
| XXX | XXX | 304728858 | XXX | 7/2/2025 | Credit | Application/Processing | Entity Documentation - Missing or Defective | Missing Article Of Organization for entity at: XXX | XX/XX/XXXX: Articles | XX/XX/XXXX: Received |  | Cleared | 7/15/2025 | D A |
| XXX | XXX | 304728834 | XXX | 6/30/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required. | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | ##PC##, FICO XXX Months Reserves | Acknowledged | 6/30/2025 | B |
| XXX | XXX | 304728867 | XXX | 7/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/2/2025 | A |
| XXX | XXX | 304728898 | XXX | 6/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/30/2025 | A |
| XXX | XXX | 304728913 | XXX | 7/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/2/2025 | A |
| XXX | XXX | 304728978 | XXX | 7/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/2/2025 | A |
| XXX | XXX | 304728928 | XXX | 7/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/2/2025 | A |
| XXX | XXX | 304728874 | XXX | 6/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 6/30/2025 | A |
| XXX | XXX | 304728892 | XXX | 7/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/2/2025 | A |
| XXX | XXX | 304728853 | XXX | 7/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 7/3/2025 | A |
| XXX | XXX | 304728872 | XXX | 7/3/2025 | Credit | Closing Documentation | Note Missing or Defective | Missing Note for subject transaction. | XX/XX/XXXX: Note was provided in this document | XX/XX/XXXX: Received |  | Cleared | 7/15/2025 | D A |
| XXX | XXX | 304728872 | XXX | 7/3/2025 | Credit | Closing Documentation | Guaranty Missing or Defective | Missing executed guaranty for guarantor: XXX A. XXX | XX/XX/XXXX: Gty was provided in this document | XX/XX/XXXX: Received |  | Cleared | 7/15/2025 | D A |
| XXX | XXX | 304728848 | XXX | 7/3/2025 | Credit | Closing Documentation | Guaranty Missing or Defective | Missing executed guaranty for guarantor: XXX | XX/XX/XXXX: Guaranty | XX/XX/XXXX: Received |  | Cleared | 7/15/2025 | D A |
| XXX | XXX | 304728848 | XXX | 7/3/2025 | Credit | Closing Documentation | Closing Documentation Missing or Defective | Missing closing documentation: note, HUD, mortgage, and certificate of business purpose | XX/XX/XXXX: Uploading mortgage again.... XX/XX/XXXX: Note, HUD, Loan Agreement. Business purpose language is in section XXX of the loan agreement. The mortgage and guaranty were provided in other remedies | XX/XX/XXXX: Received XXX: The mortgage was XXX on any remedy |  | Cleared | 7/16/2025 | D A |
| XXX | XXX | 304728884 | XXX | 7/3/2025 | Credit | Closing Documentation | Guaranty Missing or Defective | Missing executed guaranty for guarantor: XXX | XX/XX/XXXX: Closing package was uploaded in separate remedy | XX/XX/XXXX: Clear |  | Cleared | 7/16/2025 | D A |
| XXX | XXX | 304728884 | XXX | 7/3/2025 | Credit | Closing Documentation | Closing Documentation Missing or Defective | Missing closing documentation: note, HUD, mortgage, and certificate of business purpose | XX/XX/XXXX: Uploading.... | XX/XX/XXXX: Received |  | Cleared | 7/16/2025 | D A |
| XXX | XXX | 304728831 | XXX | 7/14/2025 | Credit | Credit Documentation | Credit Report Missing or Defective | Missing Credit Report For Guarantor : XXX | XX/XX/XXXX: Credit | XX/XX/XXXX: Received |  | Cleared | 7/15/2025 | D A |
| XXX | XXX | 304728872 | XXX | 6/30/2025 | Property | Appraisal Review | Desk Review Variance > 10% | XXX% appraisal review variance > XXX% maxium allowed. Both the field review and CDA in file do not meet criteria. Please provide an eligible appraisal review product. | XX/XX/XXXX: Waived via email | XX/XX/XXXX: Waived via email |  | Acknowledged | 1/0/1900 | C B |
| XXX | XXX | 304428980 | XXX | 10/30/2024 | No Findings | Borrower and Mortgage Eligibility | Excessive LTV Ratio | XXX% LTV > XXX% limit for cash out refi. | Exception approval in file. | XX/XX/XXXX: Exception approval received. | Value supported, strong credit history | Acknowledged | 11/4/2024 | C B |
| XXX | XXX | 304438759 | XXX | 10/30/2024 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 10/30/2024 | A |
| XXX | XXX | 304438772 | XXX | 11/4/2024 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 11/4/2024 | A |
| XXX | XXX | 304454336 | XXX | 11/26/2024 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 11/26/2024 | A |
| XXX | XXX | 304489794 | XXX | 2/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 2/4/2025 | A |
| XXX | XXX | 304511392 | XXX | 2/11/2025 | No Findings | Credit | Mortgage Payment History Missing or Defective | Borrower has XXX per credit report in file, which exceeds XXX max delinquencies allowed. | uploaded | XX/XX/XXXX: Exception approval received. | FICO > XXX >XXX months reserves, experienced investor | Acknowledged | 2/21/2025 | C B |
| XXX | XXX | 304638211 | XXX | 3/4/2025 | No Findings | Loan Documentation | Deed Missing or Defective | Borrower's name on conveyance deed in file, " XXX and XXX", does not match borrower's name per security instrument, "". Please provide corrected deed. | Uploaded | XX/XX/XXXX: Received corrected conveyance deed. |  | Cleared | 3/14/2025 | C A |
| XXX | XXX | 304638039 | XXX | 3/11/2025 | No Findings | Credit | Credit Report Missing or Defective | Missing Credit Report for XXX | Please review. | XX/XX/XXXX: Received credit report. |  | Cleared | 3/13/2025 | D A |
| XXX | XXX | 304638039 | XXX | 3/11/2025 | No Findings | Insurance | Hazard Insurance Missing or Defective | Missing Hazard Insurance for property located at: XXX | Client has identified the XXX policy is in effect. Please review. | XX/XX/XXXX: Received hazard insurance policy. XXX: Provided documents are two separate hazard insurance policies under the following carriers:XXX and XXX. Please provide clarification on subject's hazard insurance policy. |  | Cleared | 3/14/2025 | D A |
| XXX | XXX | 304511305 | XXX | 3/19/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 3/19/2025 | A |
| XXX | XXX | 304811485 | XXX | 8/14/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/14/2025 | A |
| XXX | XXX | 304811471 | XXX | 8/20/2025 | Credit | Closing Documentation | Closing Documentation Missing or Defective | Missing Operating Agreement for Entity: | XX/XX/XXXX: Sorry for the inconvenience, uploaded correct operating agreement XX/XX/XXXX: Uploaded operating agreement | XX/XX/XXXX: Received XXX: Attached operating agreement is for an LLC named "XXX", please provide operating agreement for borrowing entity: XXX |  | Cleared | 8/22/2025 | D A |
| XXX | XXX | 304811500 | XXX | 8/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/26/2025 | A |
| XXX | XXX | 304811493 | XXX | 8/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 8/26/2025 | A |
| XXX | XXX | 304637731 | XXX | 3/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | 3/5/2025 | A |
| XXX | XXX | 304637754 | XXX | 3/7/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage > XXX minimum required | XX/XX/XXXX: attaching TCOMM; XXX | XX/XX/XXXX: Received |  | Cleared | 3/25/2025 | C A |
| XXX | XXX | 304679001 | XXX | 4/16/2025 | Credit |  | No Credit Findings | The loan meets all applicable guidelines |  |  |  | Cleared |  | A |
| XXX | XXX | 304694661 | XXX | 5/7/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 5/7/2025 | A |
| XXX | XXX | 304704746 | XXX | 5/8/2025 | Credit | Credit | Excessive LTV Ratio | XXX% LTV > XXX% limit for Purchase. | Exception given for LTV up to XXX% see attached. | XX/XX/XXXX: Waived per uploaded file | > XXX months reserves, DSCR > XXX Exp investor | Acknowledged | 5/9/2025 | C B |
| XXX | XXX | 304704736 | XXX | 5/8/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 5/8/2025 | A |
| XXX | XXX | 304694817 | XXX | 5/14/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 5/14/2025 | A |
| XXX | XXX | 304699863 | XXX | 5/15/2025 | Credit | Credit | Entity Documentation - Missing or Defective | Missing Operating Agreement for |  | XX/XX/XXXX: Received trailing docs |  | Cleared | 6/17/2025 | D A |
| XXX | XXX | 304704758 | XXX | 5/16/2025 | Credit | Title/Lien | Title Insurance Missing or Defective | Title commitment is vested in XXX but needs to be vested in XXX, please provide updated Title | warranty deed attached, please review. | Received |  | Cleared | 5/20/2025 | C A |
| XXX | XXX | 304704782 | XXX | 5/19/2025 | Credit | Title/Lien | Title Insurance Missing or Defective | Title insurance lender name is different form the one provided on the note. Please provide an updated title Statement with correct lender name. | Uploaded | XX/XX/XXXX: Received |  | Cleared | 5/27/2025 | C A |
| XXX | XXX | 304704782 | XXX | 5/19/2025 | Credit | Insurance | Hazard Insurance Missing or Defective | Hazard insurance effective date of XX/XX/XXXX is after loan disbursement date of XX/XX/XXXX. Please provide updated hazard insurance with an effective date of at least XX/XX/XXXX | Loan was a Mail Away closing with signing on XX/XX/XXXX and funding/disbursing on XX/XX/XXXX | XX/XX/XXXX: Rescind XXX: Uploaded SS with new disbursement date is not signed |  | Cleared | 5/29/2025 | C A |
| XXX | XXX | 304704771 | XXX | 5/19/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 5/19/2025 | A |
| XXX | XXX | 304704692 | XXX | 5/20/2025 | Credit | Assets | Asset Documentation Missing or Defective | Missing asset documents. XXX minimum liquidity required. | Hi, they has a Cash-Out Refinance on their XXX at the same time (Loan#XXX - which cleared with XXX). | XX/XX/XXXX: Received |  | Cleared | 5/27/2025 | D A |
| XXX | XXX | 304691805 | XXX | 5/30/2025 | Credit | Credit | Property Listed for Sale on Refinance Transaction | Subject property is listed for sale. Property listing must be fully removed/withdrawn prior to closing | XX/XX/XXXX - Please review appraisal. | XX/XX/XXXX: Received |  | Cleared | 6/16/2025 | C A |
| XXX | XXX | 304686906 | XXX | 6/2/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 6/2/2025 | A |
| XXX | XXX | 304764065 | XXX | 6/17/2025 | Credit | Credit | Excessive LTV Ratio | XXX% > XXX% maximum LTV for vacant properties on cash-out refinance transactions. | XX/XX/XXXX-Please review | XX/XX/XXXX: Received waiver | 0x30 mortgage history, DSCR above XX/XX/XXXX | Acknowledged | 6/20/2025 | C B |
| XXX | XXX | 304735960 | XXX | 7/9/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 7/9/2025 | A |
| XXX | XXX | 304735939 | XXX | 7/9/2025 | Credit | Assets | Insufficient Assets for Reserves | XXX < XXX Minimum liquidity required. Please provide additional assets. | XX/XX/XXXX- assets uploaded | XX/XX/XXXX: Received assets |  | Cleared | 7/15/2025 | C A |
| XXX | XXX | 304735931 | XXX | 7/9/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 7/9/2025 | A |
| XXX | XXX | 304735898 | XXX | 7/10/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 7/10/2025 | A |
| XXX | XXX | 304735874 | XXX | 7/10/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX Title Insurance Coverage < XXX minimum coverage required. | XX/XX/XXXX: Title uploaded | XX/XX/XXXX: Received title |  | Cleared | 7/21/2025 | C A |
| XXX | XXX | 304735939 | XXX | 7/9/2025 | Credit | Insurance | Hazard Insurance Missing or Defective | Hazard insurance effective date XX/XX/XXXX is after loan disbursement date XX/XX/XXXX. please provide updated title with date of XX/XX/XXXX. | XX/XX/XXXX updated disbursement date | XX/XX/XXXX: Received insurance |  | Cleared | 7/15/2025 | C A |
| XXX | XXX | 304757663 | XXX | 7/15/2025 | Property | Borrower and Mortgage Eligibility | Subject Property Lease - Missing or Defective | Informational only- Ineligible Lease Agreement. Subject Property consists of XXX units. Lease Agreement in file shows XXX tenant leasing all XXX units (A-C) | XX/XX/XXXX Please clarify next steps. Is there anything that I would need to provide. | XX/XX/XXXX: Received LOE from XXX via email. |  | Cleared | 7/18/2025 | C A |
| XXX | XXX | 304757813 | XXX | 7/17/2025 | Credit | Insurance | Hazard Insurance Missing or Defective | Dwelling coverage is less than, please provide updated Hazard Insurance | Please see coverage checklist that is provided in lieu of the RCE in the State of XXX. | XX/XX/XXXX: Received RCE |  | Cleared | 7/23/2025 | C A |
| XXX | XXX | 304757812 | XXX | 7/18/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 7/18/2025 | A |
| XXX | XXX | 304735914 | XXX | 7/18/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 7/18/2025 | A |
| XXX | XXX | 304735934 | XXX | 7/18/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 7/18/2025 | A |
| XXX | XXX | 304735933 | XXX | 7/18/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 7/18/2025 | A |
| XXX | XXX | 304735913 | XXX | 7/18/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 7/18/2025 | A |
| XXX | XXX | 304735890 | XXX | 7/22/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 7/22/2025 | A |
| XXX | XXX | 304735889 | XXX | 7/22/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 7/22/2025 | A |
| XXX | XXX | 304757723 | XXX | 7/22/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 7/22/2025 | A |
| XXX | XXX | 304757763 | XXX | 7/22/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 7/22/2025 | A |
| XXX | XXX | 304735897 | XXX | 7/22/2025 | Credit | Assets | Asset Documentation Missing or Defective | Missing Asset Documents. XXX minimum liquidity to close. | XX/XX/XXXX - DOC UPLOADED | XX/XX/XXXX: Received Assets |  | Cleared | 7/28/2025 | D A |
| XXX | XXX | 304757816 | XXX | 7/22/2025 | Credit | Borrower and Mortgage Eligibility | Excessive LTV Ratio | XXX% > XXX% limit for cash out refinance. | XX/XX/XXXX-Exception for LTV has been uploaded. | XX/XX/XXXX: Exception waiver received | DSCR above XXX FICO, 0x30 Mortgage history | Cleared | 7/23/2025 | C A |
| XXX | XXX | 304757764 | XXX | 7/22/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 7/22/2025 | A |
| XXX | XXX | 304757801 | XXX | 7/22/2025 | Credit | Loan Documentation | Deed Missing or Defective | Missing conveyance deed from XXX to XXX | XX/XX/XXXX: Uploaded deed | XX/XX/XXXX: Received Deed |  | Cleared | 7/23/2025 | D A |
| XXX | XXX | 304763888 | XXX | 7/23/2025 | Credit | Borrower and Mortgage Eligibility | Excessive LTV Ratio | XXX%> XXX% limit for a No Cash-Out Refinance Transaction with Fico Score XXX | XX/XX/XXXX updated credit report | XX/XX/XXXX: Received credit report |  | Cleared | 7/28/2025 | C A |
| XXX | XXX | 304735948 | XXX | 7/23/2025 | Credit | Credit | Closing Disclosure/Settlement Statement Missing or Defective | Missing Settlement Statement | XX/XX/XXXX Settlement Statement | XX/XX/XXXX: Received HUD |  | Cleared | 7/28/2025 | D A |
| XXX | XXX | 304735948 | XXX | 7/23/2025 | Credit | Credit | Closing Documentation Missing or Defective | missing mortgage Document or Deed of Trust | XX/XX/XXXX mortgage uploaded | XX/XX/XXXX: Received Mortgage |  | Cleared | 8/4/2025 | D A |
| XXX | XXX | 304735948 | XXX | 7/23/2025 | Credit | Loan Documentation | Sales Contract Missing or Defective | Purchase Contract missing assignment of Rental Agreement to buyer/borrower | XX/XX/XXXX: Property is not rent controlled, and UW is using the rent from the XXX this should not be needed. Thank you! | XX/XX/XXXX: Rescind |  | Cleared | 8/1/2025 | C A |
| XXX | XXX | 304757789 | XXX | 7/24/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 7/24/2025 | A |
| XXX | XXX | 304735965 | XXX | 7/24/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 7/24/2025 | A |
| XXX | XXX | 304735887 | XXX | 7/24/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 7/24/2025 | A |
| XXX | XXX | 304757733 | XXX | 7/24/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 7/24/2025 | A |
| XXX | XXX | 304735947 | XXX | 7/24/2025 | Credit | Loan Documentation | Closing Documentation Missing or Defective | missing mortgage Document. | XX/XX/XXXX please see attached. | XX/XX/XXXX: Received mortgage |  | Cleared | 7/25/2025 | D A |
| XXX | XXX | 304757762 | XXX | 7/25/2025 | Property | Insurance | Hazard Insurance Missing or Defective | Hazard Insurance effective date is XX/XX/XXXX. is XX/XX/XXXX. Please provide Hazard Insurance with effective date of XX/XX/XXXX | XX/XX/XXXX - Hazard insurance was effective XX/XX/XXXX prior to settlement/disbursement date on XX/XX/XXXX, please clear condition. XX/XX/XXXX - doc uploaded | XX/XX/XXXX: Rescind XXX: Uploaded document is a SS with XX/XX/XXXX while policy effective date is XX/XX/XXXX. Please provide updated insurance or SS |  | Cleared | 8/1/2025 | C A |
| XXX | XXX | 304757742 | XXX | 7/25/2025 | Credit | Loan Documentation | Closing Disclosure/Settlement Statement Missing or Defective | Multiple Final Settlement Statements in file. HUD-XXX States broker fee of XXX to XXX. Settlement Statement changes this to Underwriting Fee to XXX of XXX Please clarify discrepancy. | XX/XX/XXXX: Our HUD-XXX is properly processed and outlines the correct payee XXX. This HUD is also signed. | XX/XX/XXXX: Clarification received |  | Cleared | 7/29/2025 | C A |
| XXX | XXX | 304757740 | XXX | 7/25/2025 | Credit | Loan Documentation | Closing Disclosure/Settlement Statement Missing or Defective | Multiple Final Settlement Statements in file. HUD-XXX States broker fee of XXX to XXX. Settlement Statement changes this to Underwriting Fee to XXX of XXX Please clarify discrepancy. | XX/XX/XXXX - Our HUD-XXX is properly processed and outlines the correct payee XXX. This HUD is also signed. | XX/XX/XXXX: Clarification received |  | Cleared | 7/31/2025 | C A |
| XXX | XXX | 304757741 | XXX | 7/25/2025 | Credit | Loan Documentation | Closing Disclosure/Settlement Statement Missing or Defective | Multiple Final Settlement Statements in file. HUD-XXX States broker fee of XXX to XXX. Settlement Statement changes this to Underwriting Fee to XXX of XXX Please clarify discrepancy. | XX/XX/XXXX: Our HUD-XXX is properly processed and outlines the correct payee XXX. This HUD is also signed. | XX/XX/XXXX: Clarification received |  | Cleared | 7/29/2025 | C A |
| XXX | XXX | 304757582 | XXX | 7/28/2025 | Credit | Assets | Asset Documentation Missing or Defective | Missing Asset Documentation | XX/XX/XXXX: Assets | XX/XX/XXXX: Assets received |  | Cleared | 7/31/2025 | D A |
| XXX | XXX | 304757699 | XXX | 7/28/2025 | Property | Property Eligibility | Missing, Inadequate, or Incomplete Project Document | Missing rental listing for subject property: XXX Vacant units are to be actively marketed for rent. Evidence of rental listing to be provided | XXX: loan exception attached for your review. | XX/XX/XXXX: Exception waiver received for vacant property | Experienced investor, DSCR > XXX Rate reduction from XXX% to XXX% | Cleared | 8/18/2025 | D B |
| XXX | XXX | 304757712 | XXX | 7/28/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 7/28/2025 | A |
| XXX | XXX | 304757704 | XXX | 7/28/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX Title Insurance coverage < XXX minimum coverage required. | XX/XX/XXXX: Uploaded Title | XX/XX/XXXX: Title received |  | Cleared | 7/31/2025 | C A |
| XXX | XXX | 304757582 | XXX | 7/28/2025 | Property | Property Eligibility | Ineligible Property | Missing underwriter determination of property vacancy period and rentability. | XX/XX/XXXX: LOE uploaded | XX/XX/XXXX: LOE received |  | Cleared | 7/31/2025 | C A |
| XXX | XXX | 304757582 | XXX | 7/28/2025 | Property | Property Eligibility | Missing, Inadequate, or Incomplete Project Document | Missing rental listing for subject property: XXX | XX/XX/XXXX: Rental listing uploaded | XX/XX/XXXX: Rental listing received |  | Cleared | 7/31/2025 | D A |
| XXX | XXX | 304757709 | XXX | 7/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 7/29/2025 | A |
| XXX | XXX | 304757786 | XXX | 7/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 7/29/2025 | A |
| XXX | XXX | 304757710 | XXX | 7/29/2025 | Property | Appraisal | Appraisal Missing or Defective | Appraisal reflects owner occupied Subject Property. However, lease in file indicates tenant from XXX to XXX | XX/XX/XXXX - doc uploaded | XX/XX/XXXX: Updated appraisal received |  | Cleared | 8/4/2025 | C A |
| XXX | XXX | 304757632 | XXX | 7/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 7/29/2025 | A |
| XXX | XXX | 304735871 | XXX | 7/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 7/29/2025 | A |
| XXX | XXX | 304757635 | XXX | 7/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 7/29/2025 | A |
| XXX | XXX | 304757716 | XXX | 7/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 7/30/2025 | A |
| XXX | XXX | 304735895 | XXX | 7/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 7/30/2025 | A |
| XXX | XXX | 304757627 | XXX | 7/30/2025 | Credit | Assets | Insufficient Assets for Reserves | XXX assets < $ XXX minimum assets required for reserves. Please provide additional assets. | XX/XX/XXXX: Please see attached exception to use XXX month of reserves in lieu of XXX | XX/XX/XXXX: Exception received | XXX history, XXX FICO, DSCR above XXX | Acknowledged | 8/1/2025 | C B |
| XXX | XXX | 304757792 | XXX | 7/30/2025 | Property | Appraisal | Market Rent - Missing or Defective | Missing XXX in Appraisal Report for subject property: XXX | XX/XX/XXXX: XXX uploaded | XX/XX/XXXX: XXX received |  | Cleared | 8/1/2025 | D A |
| XXX | XXX | 304763872 | XXX | 7/31/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 7/31/2025 | A |
| XXX | XXX | 304757757 | XXX | 7/30/2025 | Credit | Legal/ Regulatory/ Compliance | Guarantor Identification Missing or Defective | Missing EAD or Visa in file. Borrower is a XXX | XX/XX/XXXX Uploaded Borrower ID | XX/XX/XXXX: Received Borrower ID |  | Cleared | 8/5/2025 | D A |
| XXX | XXX | 304757757 | XXX | 7/30/2025 | Property | Appraisal | Appraisal Missing or Defective | Appraisal reflects units as both tenant and owner occupied. | XX/XX/XXXX uploaded Appraisal | XX/XX/XXXX: Received updated Appraisal |  | Cleared | 8/5/2025 | C A |
| XXX | XXX | 304763928 | XXX | 7/31/2025 | Credit | Loan Documentation | Deed Missing or Defective | Missing conveyance deed from XXX (XXX) to XXX | XX/XX/XXXX: Deed uploaded | XX/XX/XXXX: Deed received |  | Cleared | 8/1/2025 | D A |
| XXX | XXX | 304735875 | XXX | 8/1/2025 | Credit | Assets | Insufficient Assets for Reserves | XXX assets < XXX minimum assets required for reserves. Please provide additional assets. | XX/XX/XXXX uploaded assets | XX/XX/XXXX: Received Assets |  | Cleared | 8/5/2025 | C A |
| XXX | XXX | 304757810 | XXX | 8/1/2025 | Credit | Borrower and Mortgage Eligibility | Guarantor Identification Missing or Defective | Missing evidence of legal status. Please provide Visa or Employment Authorization Document. | XX/XX/XXXX-Hi, this is an ITIN borrower. We just need XXX forms of IDs. | XX/XX/XXXX: Received IDs |  | Cleared | 8/4/2025 | D A |
| XXX | XXX | 304757597 | XXX | 8/1/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 8/1/2025 | A |
| XXX | XXX | 304735901 | XXX | 8/1/2025 | Credit | Assets | Insufficient Assets for Reserves | XXX assets < XXX minimum assets required for closing costs and reserves. Please provide additional assets. | XX/XX/XXXX Borrower refinanced their primary for the closing/reserves needed on this investor purchase. I have attached the CD/Wire to title. please clear. | XX/XX/XXXX: Received assets |  | Cleared | 8/4/2025 | C A |
| XXX | XXX | 304757561 | XXX | 8/1/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 8/1/2025 | A |
| XXX | XXX | 304757688 | XXX | 8/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 8/1/2025 | A |
| XXX | XXX | 304757810 | XXX | 8/1/2025 | Property | Property Eligibility | Condo Questionnaire Missing or Defective | The condo questionnaire in the file indicates that a single entity owns more than XXX% of the project units. Guidelines allow a maximum sole ownership of XXX% please clarify the exact ownership percentage for the XXX project. | XX/XX/XXXX-Please see HOA Table. | XX/XX/XXXX: Received HOA percentages |  | Cleared | 8/7/2025 | C A |
| XXX | XXX | 304757587 | XXX | 8/5/2025 | Credit | Appraisal | Appraisal Review - Missing | Missing Appraisal Review for: XXX XXX | XX/XX/XXXX: Appraisal review | XX/XX/XXXX: Appraisal review received |  | Cleared | 8/15/2025 | D A |
| XXX | XXX | 304763776 | XXX | 8/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 8/5/2025 | A |
| XXX | XXX | 304757711 | XXX | 8/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 8/5/2025 | A |
| XXX | XXX | 304735908 | XXX | 8/7/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 8/7/2025 | A |
| XXX | XXX | 304757735 | XXX | 8/7/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 8/7/2025 | A |
| XXX | XXX | 304780029 | XXX | 8/7/2025 | Property | Property Data Collection | Misrepresentation of the Physical Characteristics | Appraisal for subject property reflects XXX units while data tape reflects XX/XX/XXXX unit | XXX: Uploaded new tape | XX/XX/XXXX: Received new tape |  | Cleared | 8/8/2025 | C A |
| XXX | XXX | 304757799 | XXX | 8/7/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 8/7/2025 | A |
| XXX | XXX | 304735938 | XXX | 8/8/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 8/8/2025 | A |
| XXX | XXX | 304757724 | XXX | 8/8/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 8/8/2025 | A |
| XXX | XXX | 304763827 | XXX | 8/11/2025 | Property | Appraisal | Appraisal Review - Missing | Missing Appraisal Review for: XXX | XX/XX/XXXX: Collateral Desk Analysis | XX/XX/XXXX: Receied CDA |  | Cleared | 8/13/2025 | D A |
| XXX | XXX | 304764078 | XXX | 8/11/2025 | Credit | Loan Documentation | Entity Documentation - Missing or Defective | Missing Operating Agreement for Entity: XXX | Exception approval | Received exception approval |  | Acknowledged | 8/19/2025 | D B |
| XXX | XXX | 304757630 | XXX | 8/12/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 8/12/2025 | A |
| XXX | XXX | 304735924 | XXX | 8/12/2025 | Property | Insurance | Hazard Insurance Missing or Defective | Master Insurance Policy in file expired XX/XX/XXXX. Please provide updated Master Insurance policy. | XX/XX/XXXX: Updated policy | XX/XX/XXXX: Received updated policy |  | Cleared | 8/15/2025 | C A |
| XXX | XXX | 304735872 | XXX | 8/12/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 8/12/2025 | A |
| XXX | XXX | 304763863 | XXX | 8/13/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 8/13/2025 | A |
| XXX | XXX | 304763862 | XXX | 8/13/2025 | Credit | Loan Documentation | Deed Missing or Defective | Missing conveyance deed from XXX to XXX | XX/XX/XXXX: Deed | XX/XX/XXXX: Received Deed |  | Cleared | 8/14/2025 | D A |
| XXX | XXX | 304757629 | XXX | 8/13/2025 | Property | Property Data Collection | Subject Property Lease - Missing or Defective | Missing Lease Agreement for subject property: XXX |  | XX/XX/XXXX: Rescind |  | Cleared | 8/25/2025 | D A |
| XXX | XXX | 304757573 | XXX | 8/13/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 8/13/2025 | A |
| XXX | XXX | 304764017 | XXX | 8/15/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 8/15/2025 | A |
| XXX | XXX | 304780027 | XXX | 8/18/2025 | Credit | Credit | Hazard Insurance Missing or Defective | Provided Hazard Insurance is Missing Dwelling Coverage amount | XX/XX/XXXX: HOI | XX/XX/XXXX: HOI received |  | Cleared | 8/20/2025 | C A |
| XXX | XXX | 304812733 | XXX | 8/18/2025 | Property | Appraisal | Appraisal Missing or Defective | XXX does not reflect the market rental income either ADUs. Please provide updated appraisal with Market rental income for the Main unit and both ADUs. | XX/XX/XXXX - Hi, it's on the XXX Please see page XXX of our package. | XX/XX/XXXX: Rescind |  | Cleared | 8/20/2025 | C A |
| XXX | XXX | 304818147 | XXX | 8/20/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 8/20/2025 | A |
| XXX | XXX | 304812648 | XXX | 8/20/2025 | Credit | Loan Documentation | Deed Missing or Defective | Missing conveyance deed from XXX to XXX and XXXXX | XX/XX/XXXX: Deed | XX/XX/XXXX: Received Deed |  | Cleared | 8/25/2025 | D A |
| XXX | XXX | 304812648 | XXX | 8/20/2025 | Credit | Assets | Insufficient Assets for Reserves | XXX assets < XXX minimum assets required for closing costs and reserves. Please provide additional assets. | XX/XX/XXXX: assets | XX/XX/XXXX: Received assets |  | Cleared | 8/25/2025 | C A |
| XXX | XXX | 304812759 | XXX | 8/21/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 8/21/2025 | A |
| XXX | XXX | 304818137 | XXX | 8/21/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 8/21/2025 | A |
| XXX | XXX | 304818158 | XXX | 8/22/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 8/22/2025 | A |
| XXX | XXX | 304818033 | XXX | 8/25/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX:Updated Title | XX/XX/XXXX: Received Updated Title |  | Cleared | 8/26/2025 | C A |
| XXX | XXX | 304818119 | XXX | 8/25/2025 | Credit | Credit | Credit Report Missing or Defective | Missing credit report for Guarantor XXX: XXX | XX/XX/XXXX: Credit Report | XX/XX/XXXX: Credit Report received |  | Cleared | 8/27/2025 | D A |
| XXX | XXX | 304818123 | XXX | 8/25/2025 | Credit | Loan Documentation | Note Missing or Defective | Missing Note Document | XX/XX/XXXX - Note uploaded. Look like my team forgot to upload the signed docs as well so I have included them here too. | XX/XX/XXXX: Note received |  | Cleared | 8/27/2025 | D A |
| XXX | XXX | 304812758 | XXX | 8/26/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 8/26/2025 | A |
| XXX | XXX | 304763944 | XXX | 8/26/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 8/26/2025 | A |
| XXX | XXX | 304818123 | XXX | 8/25/2025 | Credit | Loan Documentation | Deed Missing or Defective | Missing conveyance deed from XXX to XXX | XX/XX/XXXX - Deed uploaded. | XX/XX/XXXX: Deed received |  | Cleared | 8/27/2025 | D A |
| XXX | XXX | 304818049 | XXX | 8/27/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 8/27/2025 | A |

---

## Exhibit 99.19

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.19**

---

| | | | |
|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan ID** | **Originator QM/ATR Status** | **TPR QM/ATR Status** |
| 304392906 | XXX C B A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304392902 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304392878 | XXX C B A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304392847 | XXX C B A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304392770 | XXX D B A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304392767 | XXX D B A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304392744 | XXX B A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304392716 | XXX C A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304392700 | XXX C B A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304392679 | XXX B A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304483492 | XXX B A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304811491 | XXX A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304811488 | XXX B A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304811487 | XXX A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304811486 | XXX A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304811482 | XXX A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304811476 | XXX A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304511401 | XXX D A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304687103 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304638280 | XXX D B C A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304638262 | XXX C A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304511328 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304655355 | XXX C A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304638015 | XXX C A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304655253 | XXX C A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304704806 | XXX C A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304695160 | XXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304699881 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304695151 | XXX C B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304694743 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304680975 | XXX D A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304694725 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304694723 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304704783 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304699850 | XXX D A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304704779 | XXX C A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304694703 | XXX D A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304699841 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304699834 | XXX D B A C | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304704774 | XXX D B A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304699822 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304694825 | XXX D A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304694668 | XXX C A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304704766 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304699799 | XXX C A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304699798 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304699770 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304694589 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304699760 | XXX C A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304704723 | XXX C A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304694554 | XXX C A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304694551 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304735967 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304704677 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304699663 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304712061 | XXX D A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304704562 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304757823 | XXX A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304735963 | XXX C A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304757818 | XXX D A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304735958 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304812828 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304735957 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304757814 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304757811 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304735951 | XXX C A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304735949 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304757807 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304757806 | XXX C A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304735946 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304735945 | XXX C A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304757804 | XXX D A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304735937 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304812825 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304735935 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304735928 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304735927 | XXX C B A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304764045 | XXX B A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304764039 | XXX A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304735920 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304757773 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304764029 | XXX A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304764028 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304735917 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304735902 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304735892 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304735884 | XXX D A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304764013 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304735883 | XXX C A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304757748 | XXX A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304735881 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304735880 | XXX D A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304735877 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304764003 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304764002 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304757738 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304757736 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304812814 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304757725 | XXX C A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304757717 | XXX C A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304757715 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304757713 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304763960 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304757691 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304763934 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304763929 | XXX C A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304757659 | XXX C A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304757651 | XXX A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304763918 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304757631 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304757612 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304757606 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304763868 | XXX C A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304763847 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304763816 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304763758 | XXX D A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304818115 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304366863 | XXX D B A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304484798 | XXX A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 304679065 | XXX D B A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304679053 | XXX D A B | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304679051 | XXX C B A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304679050 | XXX D A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304495397 | XXX B A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304495391 | XXX C B A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304495367 | XXX D A B | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304495366 | XXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304495361 | XXX D A C | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304679048 | XXX D A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304679044 | XXX D A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304679043 | XXX D A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304679034 | XXX D A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304679033 | XXX D A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304495351 | XXX C B A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304495350 | XXX C B A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304495349 | XXX D B A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304495327 | XXX C B A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304679013 | XXX B A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304679010 | XXX D B C A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304679002 | XXX D A C | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |

---

## Exhibit 99.20

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.20**

---

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 304698294 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 74.43% | 74.43% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1.6 |  |
| 304732967 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304732114 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1.6 |  |
| 304731813 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304734126 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1.4 |  |
| 304749966 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 304748486 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 57.45% | 57.45% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304731804 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304731815 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304749903 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 68.11% | 68.11% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304729950 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304732134 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | -$7766.00 | -5.25% | 94% | 6% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304752392 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304735844 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 72.75% | 72.75% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304728802 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 64.06% | 64.06% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 304729951 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304734214 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304732878 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 304730906 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 2 |  |
| 304748483 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 42.86% | 42.86% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304734823 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 304732119 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304750448 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304728719 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304751804 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 304754872 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 62.18% | 62.18% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304731828 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | -$5010.00 | -1.93% | 98% | 2% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304730147 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304712242 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304754858 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Not Eligible | N/A |  |
| 304728710 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304751811 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 304754509 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 46.67% | 46.67% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304729016 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304750449 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304751807 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304750464 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | -$16048.00 | -5.35% | 91% | 9% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304751809 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304715504 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 43.12% | 43.12% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304754452 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304733087 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 74.63% | 74.63% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304745125 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 59.46% | 59.46% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304736169 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 58.24% | 58.24% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | Form 1025 |  |  | Not Eligible | N/A |  |
| 304747374 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 67.00% | 67.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304758427 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304748474 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304733028 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 304709882 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 24.78% | 24.78% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304757946 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 69.86% | 69.86% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304736659 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304751810 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304712964 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 68.94% | 68.94% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304750154 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304734211 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 45.41% | 45.41% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304730746 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304725232 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 59.34% | 59.34% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304752387 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304754512 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 36.36% | 36.36% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304749770 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 55.00% | 55.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304732690 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304751789 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 304732691 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304732110 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | -$8645.00 | -2.88% | 93% | 7% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304754865 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 61.11% | 61.11% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 304734254 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304754866 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304755064 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 74.74% | 74.74% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 304756842 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 64.96% | 64.96% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304748487 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304733083 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 40.47% | 40.47% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | Form 1025 |  |  | Not Eligible | N/A |  |
| 304727944 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304734199 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 67.59% | 67.59% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 304745120 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304757940 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304757928 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 304732852 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 304734762 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.17% | 70.17% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 304732786 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 62.50% | 62.50% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304749708 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304758049 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 55.00% | 55.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304754510 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | -$30447.00 | -4.65% | 91% | 9% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304765331 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304749433 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304745116 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304736166 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304751795 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 63.31% | 63.31% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304749769 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 71.43% | 71.43% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304732784 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 43.72% | 43.72% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 304731820 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304731819 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 304755065 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Not Eligible | N/A |  |
| 304755078 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728247 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 62.38% | 62.38% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304748420 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304751786 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304751784 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304751796 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304729322 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304724012 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 304759816 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 304715497 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304759021 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 68.97% | 68.97% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304751808 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 304756736 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304765324 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 60.23% | 60.23% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304749432 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 73.44% | 73.44% |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $9799.00 | 2.55% | 90% | 10% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304745141 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304756843 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304754861 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 22.10% | 22.10% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 304758050 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 73.48% | 73.48% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304745159 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 35.47% | 35.47% |  |  |  |  |  |  |  |  | XXX | $25000.00 | 1.14% | XX/XX/XXXX | Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304733037 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 64.75% | 64.75% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304733036 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 59.41% | 59.41% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | -$1000.00 | -0.19% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304758437 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 72.15% | 72.15% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304733038 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 53.06% | 53.06% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304747356 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 78.32% | 78.32% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 304766002 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304763226 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304731015 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 43.50% | 43.50% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304758436 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 72.15% | 72.15% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304747357 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304722334 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Not Eligible | N/A |  |
| 304734205 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 304730146 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 304736665 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304766112 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304760470 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 47.17% | 47.17% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304745105 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 79.80% | 79.80% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304731833 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 45.65% | 45.65% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304733025 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 304764086 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304758051 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304760364 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 69.23% | 69.23% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304733088 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 49.36% | 49.36% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 304748423 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304764420 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304763233 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304745161 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304754871 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1.8 |  |
| 304749719 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 52.63% | 52.63% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304748424 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304760373 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304757926 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 47.69% | 47.69% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | n/a |  |
| 304760472 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 67.68% | 67.68% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304756742 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 304765332 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304749963 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304758980 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | -$90838.00 | -3.49% | 95% | 5% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304760363 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304749436 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304751722 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304769735 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 55.00% | 55.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304736658 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304759815 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304760365 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304756856 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 56.31% | 56.31% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304768655 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304733035 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 57.48% | 57.48% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304749438 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304734664 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 71.85% | 71.85% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304754985 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 67.31% | 67.31% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304731821 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304777306 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 304768642 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304749434 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304732121 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.56% | 75.56% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 304766113 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304765852 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304752389 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304759809 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304759523 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304751785 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304726349 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304758430 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 69.86% | 69.86% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304732790 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304734830 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304733033 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 68.18% | 68.18% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 304751798 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 59.70% | 59.70% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304734765 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 46.33% | 46.33% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304757466 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 304768644 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 304745110 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304745112 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304765327 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304736171 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304768207 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304763336 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304751703 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304754926 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | -$4359.00 | -0.80% | 97% | 3% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304715502 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 74.10% | 74.10% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 304759826 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 77.19% | 77.19% |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $2292.00 | 0.93% | 97% | 3% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304754868 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304767970 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304760474 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304730736 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304745111 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304769721 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304757943 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 35.21% | 35.21% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304765912 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304777814 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304754808 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304769629 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 304726357 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $12192.00 | 11.08% | 94% | 6% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304758053 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 304735834 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 304760480 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304768656 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304751787 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 304764428 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 78.05% | 78.05% |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | -$21736.00 | -7.71% | 97% | 3% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304757931 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304769719 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304768641 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304777479 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 304760366 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 55.56% | 55.56% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304777320 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 30.77% | 30.77% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 304749718 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304765382 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 69.58% | 69.58% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304757941 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 79.73% | 79.73% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304758434 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304765919 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304759817 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 64.92% | 64.92% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304728243 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 69.97% | 69.97% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304768562 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 304774666 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304764082 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304768925 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 79.16% | 79.16% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304766836 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 55.63% | 55.63% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Not Eligible | 2.7 |  |
| 304779531 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304732795 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304757456 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304777321 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304763335 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304768653 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304774667 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 78.44% | 78.44% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304720526 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 69.87% | 69.87% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 304754806 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 73.68% | 73.68% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304754809 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304736664 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 72.34% | 72.34% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | n/a |  |
| 304736663 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 72.34% | 72.34% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304756852 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 77.00% | 77.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 304768662 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304768200 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 49.02% | 49.02% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304769715 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 304765918 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 51.56% | 51.56% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304736172 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304759020 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304757936 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304768210 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304757469 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 304751794 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304816011 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 30.77% | 30.77% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304756743 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 16.76% | 16.76% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304757930 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 72.86% | 72.86% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304780138 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 58.00% | 58.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304768661 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304813219 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 65.70% | 65.70% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304769798 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 48.75% | 48.75% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304733024 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 46.98% | 46.98% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | n/a |  |
| 304816465 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 43.79% | 43.79% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304765847 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 65.61% | 65.61% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | -$6500.00 | -2.58% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304777308 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304768660 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304812515 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304768209 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 304768566 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304789506 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304813315 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304814759 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 304696958 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304789502 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304776897 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304730834 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 304789512 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304731014 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 304817641 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304811435 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 64.00% | 64.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304813309 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304756838 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 69.82% | 69.82% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304764097 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304811448 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304767963 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 58.25% | 58.25% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304768647 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 71.81% | 71.81% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304749905 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 2.2 |  |
| 304766839 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 304754446 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304777486 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304812530 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 79.41% | 79.41% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1.5 |  |
| 304776892 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 304764262 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304731826 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 72.93% | 72.93% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Not Eligible | n/a |  |
| 304734820 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 52.40% | 52.40% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | -$5000.00 | -1.72% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304812527 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 79.17% | 79.17% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304768204 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 53.39% | 53.39% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 304816459 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.50% | 75.50% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304768652 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304757921 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304780141 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304696957 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304779998 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304820256 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304777307 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304754853 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 52.00% | 52.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304777485 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 304813075 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304766003 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1.6 |  |
| 304811436 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 304764089 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304777812 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 51.85% | 51.85% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304789503 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Not Eligible | n/a |  |
| 304819221 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304758744 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 67.69% | 67.69% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Not Eligible | N/A |  |
| 304748771 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | n/a |  |
| 304812519 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 77.78% | 77.78% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304243876 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304351711 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 22.39% | 22.39% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304398733 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 68.22% | 68.22% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304384009 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $23376.00 | 10.70% | 87% | 13% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304459203 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304459072 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 54.47% | 54.47% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304439243 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304390747 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304497350 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 63.41% | 63.41% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304483559 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304632165 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304636606 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304638570 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304492570 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304482909 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1.7 |  |
| 304492477 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 304492569 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 68.90% | 68.90% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304457931 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 57.50% | 57.50% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304632888 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 47.94% | 47.94% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304665724 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 304643133 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 304640042 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304639967 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304665191 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304665721 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 304676843 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304643480 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304679544 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304681124 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 304637119 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304572231 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304681722 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304685880 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304682197 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | Form 1025 |  |  | Not Eligible | N/A |  |
| 304672359 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304688366 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 304428931 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 304487918 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304641642 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304613729 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 69.33% | 69.33% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304654861 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304688318 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304693606 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 65.08% | 65.08% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304694300 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304700225 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 304705717 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304702047 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304693393 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304705154 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 69.87% | 69.87% |  |  |  |  |  |  |  |  | XXX | $5000.00 | 0.15% | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304710370 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 304708750 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304681122 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 74.33% | 74.33% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304700279 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 304708749 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304704921 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 304701026 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304705649 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 61.00% | 61.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304702042 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304684689 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304692701 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 304698300 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 68.18% | 68.18% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 304677287 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 34.59% | 34.59% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304692188 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304696949 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | -$5483.00 | -4.08% | 94% | 6% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304707912 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304697121 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 44.48% | 44.48% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 304710681 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304692694 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304710332 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304699131 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304707917 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304709889 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304707987 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304694961 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304693725 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 304700944 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 72.13% | 72.13% |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | -$16000.00 | -5.25% | 93% | 7% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304716777 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | -$2296.00 | -2.11% | 95% | 5% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304695774 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304700278 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 304710827 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304700355 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304702439 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 69.57% | 69.57% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304710824 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304699520 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | -$15370.00 | -6.15% | 96% | 4% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304572232 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304702612 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 304693483 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304705447 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 304702436 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 59.25% | 59.25% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304702557 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 53.45% | 53.45% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304717995 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304694957 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304716590 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 38.33% | 38.33% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304721837 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 304702602 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 74.45% | 74.45% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304705644 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304716775 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304717996 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304710321 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304681131 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1.6 |  |
| 304688486 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304693717 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 304705715 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 20.83% | 20.83% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304716870 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304702611 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 304720535 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 304700216 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 78.83% | 78.83% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304710684 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 30.77% | 30.77% |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | -$31708.00 | -9.76% | 88% | 12% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304726362 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304716866 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304700925 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 54.05% | 54.05% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | Form 1025 |  |  | Not Eligible | N/A |  |
| 304708835 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304717994 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 304709888 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304716522 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304700348 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 304700927 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304715507 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 68.01% | 68.01% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304707990 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304708752 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304710686 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 31.75% | 31.75% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304717605 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304655573 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304707175 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 56.16% | 56.16% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | Form 1025 |  |  | Not Eligible | N/A |  |
| 304710325 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304727455 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304717987 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304709881 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304705741 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 72.46% | 72.46% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304727167 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304720746 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1.2 |  |
| 304721835 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 304699521 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | Form 1025 |  |  | Not Eligible | N/A |  |
| 304721832 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728253 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304727787 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304728720 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304724414 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304726659 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 304726457 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304717988 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 69.96% | 69.96% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304724715 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304723759 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304707910 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 74.88% | 74.88% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304729021 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 304692017 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304723819 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304711627 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304716923 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304728745 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 304721829 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 304717749 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304731343 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1.6 |  |
| 304726455 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 304727465 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Not Eligible | N/A |  |
| 304731816 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 304727463 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304731829 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304719434 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 304727464 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Not Eligible | N/A |  |
| 304721834 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304722384 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 71.43% | 71.43% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304732793 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 74.88% | 74.88% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304710818 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304734665 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304724416 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304745113 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $13898.00 | 10.29% | 94% | 6% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304729947 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | -$5000.00 | -6.25% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304730741 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 304733085 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 68.68% | 68.68% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304712995 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304729953 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304727441 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304729952 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304732791 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304733089 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304732237 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304729946 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304726354 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304745109 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304730742 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304732236 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Not Eligible | N/A |  |
| 304722333 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 304749995 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304734829 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304716526 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 67.14% | 67.14% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304734828 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304726345 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 22.99% | 22.99% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304392906 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304392902 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304392878 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 72.45% | 89.99% | XXX | $6000.00 | $0.02 | XXX |  |  |  |  |  |  |  |  |  | XXX | $6000.00 | 1.71% | 96% | 4% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304392847 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 75.00% | 75.00% | XXX | $2000.00 | $0.01 | XXX |  |  |  |  |  |  |  |  |  | XXX | $2000.00 | 1.00% | 96% | 4% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 304392770 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 61.99% | 61.99% | XXX | -$54331.00 | -$0.07 | XXX |  |  |  |  |  |  |  |  |  | XXX | -$54331.00 | -7.44% | 90% | 10% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| 304392767 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304392744 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304392716 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 85.00% | 85.00% | XXX | -$1000.00 | -$0.01 | XXX |  |  |  |  |  |  |  |  |  | XXX | -$1000.00 | -0.67% | 97% | 3% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304392700 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 74.75% | 74.75% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304392679 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304483492 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304811491 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304811488 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304811487 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304811486 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 53.19% | 53.19% | XXX | $0.00 | $0.00 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| 304811482 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304811476 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304511401 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 59.49% | 59.49% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304687103 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 69.32% | 69.32% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304638280 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 74.21% | 74.21% |  |  |  |  | XXX | $0.00 | $0.00 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 304638262 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 80.00% | 80.00% |  |  |  |  | XXX | $0.00 | $0.00 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 304511328 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 84.00% | 84.00% |  |  |  |  | XXX | $0.00 | $0.00 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| 304655355 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00% | 75.00% | XXX | $0.00 | $0.00 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.7 |  |
| 304638015 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304655253 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 72.27% | 72.27% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 304704806 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 75.00% | 75.00% | XXX | $0.00 | $0.00 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304695160 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 64.57% | 64.57% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 304699881 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 73.73% | 73.73% |  |  |  |  | XXX | $0.00 | $0.00 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.9 |  |
| 304695151 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | None - Appraisal Waiver | XXX | 57.09% | 57.09% | XXX | -$100.00 | $0.00 | XXX |  |  |  |  |  |  |  |  |  | XXX | -$100.00 | -0.01% | 92% | 8% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304694743 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304680975 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.00% | 85.00% | XXX | -$30000.00 | -$0.03 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | -$30000.00 | -3.23% | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 304694725 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 79.94% | 79.94% | XXX | $0.00 | $0.00 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| 304694723 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.99% | 89.99% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 304704783 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 304699850 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 56.60% | 56.60% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304704779 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 79.49% | 79.49% |  |  |  |  | XXX | $0.00 | $0.00 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| 304694703 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 80.00% | 80.00% | XXX | $0.00 | $0.00 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304699841 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.00% | 90.00% | XXX | $1000.00 | $0.00 | XXX |  |  |  |  | XXX | $6000.00 | 0.79% | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXX | $1000.00 | 0.13% | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 304699834 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 73.74% | 73.74% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 304704774 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% |  |  |  |  | XXX | $0.00 | $0.00 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 304699822 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 304694825 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304694668 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304704766 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.00% | 85.00% |  |  |  |  | XXX | $0.00 | $0.00 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 304699799 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304699798 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 68.93% | 68.93% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304699770 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% | XXX | $0.00 | $0.00 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304694589 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.00% | 90.00% | XXX | $0.00 | $0.00 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | High Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 304699760 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 77.30% | 77.30% | XXX | $0.00 | $0.00 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 304704723 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304694554 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304694551 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304735967 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 64.12% | 64.12% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304704677 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.00% | 90.00% |  |  |  |  | XXX | $0.00 | $0.00 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304699663 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304712061 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 84.99% | 84.99% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 304704562 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 79.93% | 79.93% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 304757823 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 70.00% | 70.00% | XXX | -$110000.00 | -$0.09 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | -$110000.00 | -8.56% | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304735963 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 75.00% | 75.00% | XXX | $0.00 | $0.00 | XXX |  |  |  |  | XXX | $2000.00 | 0.31% | XX/XX/XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304757818 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.00% | 70.00% |  |  |  |  | XXX | $0.00 | $0.00 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 304735958 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304812828 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 80.00% | 80.00% | XXX | $0.00 | $0.00 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Excellent | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304735957 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% | XXX | $0.00 | $0.00 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304757814 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304757811 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 74.93% | 74.93% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 304735951 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 84.99% | 84.99% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304735949 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304757807 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 304757806 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% | XXX | $0.00 | $0.00 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 304735946 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304735945 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 74.56% | 74.56% | XXX | $0.00 | $0.00 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304757804 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 80.00% | 80.00% | XXX | $0.00 | $0.00 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304735937 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 304812825 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304735935 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.00% | 85.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304735928 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 67.11% | 67.11% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304735927 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.00% | 85.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304764045 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | -$50000.00 | -9.52% | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 304764039 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 75.00% | 75.00% | XXX | $0.00 | $0.00 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304735920 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.00% | 90.00% | XXX | $0.00 | $0.00 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304757773 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304764029 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% | XXX | $0.00 | $0.00 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 304764028 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 304735917 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 72.00% | 72.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304735902 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304735892 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304735884 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304764013 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% |  |  |  |  | XXX | $0.00 | $0.00 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 304735883 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 85.00% | 85.00% | XXX | $0.00 | $0.00 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304757748 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 69.73% | 69.73% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304735881 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304735880 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% | XXX | -$40000.00 | -$0.06 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | -$40000.00 | -6.45% | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 304735877 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 304764003 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.26% | 70.26% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304764002 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.00% | 85.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 304757738 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304757736 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304812814 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 74.23% | 74.23% | XXX | $0.00 | $0.00 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.8 |  |
| 304757725 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304757717 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.00% | 85.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304757715 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304757713 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304763960 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304757691 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 85.00% | 85.00% | XXX | $0.00 | $0.00 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.7 |  |
| 304763934 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 304763929 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.00% | 85.00% | XXX | $0.00 | $0.00 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 |  |
| 304757659 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% | XXX | $0.00 | $0.00 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304757651 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% | XXX | $0.00 | $0.00 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 304763918 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.00% | 85.00% |  |  |  |  | XXX | $0.00 | $0.00 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Excellent | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.1 |  |
| 304757631 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304757612 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 54.13% | 54.13% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304757606 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 304763868 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 79.31% | 79.31% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304763847 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 74.84% | 74.84% | XXX | $0.00 | $0.00 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Excellent | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304763816 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% |  |  |  |  | XXX | $0.00 | $0.00 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304763758 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% |  |  |  |  | XXX | $0.00 | $0.00 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 304818115 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304366863 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  | $375242.22 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.71% | 90.71% |  |  |  |  | XXX | -$25721.00 | -$0.06 | XXX |  |  |  |  |  | XXX | -$25721.00 | -5.91% | 93% | 7% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304484798 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 73.50% | 73.50% | XXX | $0.00 | $0.00 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304679065 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304679053 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00% | 75.00% | XXX | $0.00 | $0.00 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |
| 304679051 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |  |
| 304679050 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |  |
| 304495397 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 65.00% | 65.00% | XXX | $0.00 | $0.00 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304495391 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 71.74% | 71.74% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304495367 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304495366 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 304495361 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 61.07% | 61.07% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304679048 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304679044 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 48.85% | 48.85% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304679043 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% | XXX | $0.00 | $0.00 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4 |  |
| 304679034 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304679033 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 73.80% | 73.80% |  |  |  |  | XXX | $0.00 | $0.00 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304495351 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 73.94% | 73.94% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 304495350 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304495349 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 304495327 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304679013 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |
| 304679010 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 74.29% | 74.29% |  |  |  |  |  |  |  |  | XXX | $75000.00 | 2.10% | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| 304679002 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304728917 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728907 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | -$31000.00 | -9.09% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728962 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.95% | 70.95% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728958 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728922 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | -$5000.00 | -4.13% | 97% | 3% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728921 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | -$5000.00 | -4.13% | 97% | 3% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728918 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728903 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728979 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728878 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | -$6000.00 | -2.97% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728857 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 79.31% | 79.31% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728856 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 79.01% | 79.01% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728911 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 61.39% | 61.39% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | -$4000.00 | -3.70% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728899 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728993 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728967 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728938 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728871 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728849 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 76.09% | 76.09% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728900 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728923 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | -$8000.00 | -6.61% | 97% | 3% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728876 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | -$48000.00 | -12.63% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728916 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 72.41% | 72.41% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | -$10000.00 | -3.70% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728904 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728980 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728952 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728874 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728846 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728844 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728920 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | -$7000.00 | -5.69% | 97% | 3% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728910 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 64.32% | 64.32% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | -$30000.00 | -9.68% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728895 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728869 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728868 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728843 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728914 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728905 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.66% | 70.66% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728986 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 71.90% | 71.90% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Not Eligible | N/A |  |
| 304728955 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728935 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728934 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 66.25% | 66.25% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728864 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728839 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728838 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728902 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728991 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728964 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728936 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728886 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728885 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 73.91% | 73.91% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728862 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Not Eligible | N/A |  |
| 304728861 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 79.48% | 79.48% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | -$14000.00 | -9.09% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728924 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | -$5000.00 | -4.13% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728873 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728865 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728919 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728906 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728957 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 78.30% | 78.30% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728882 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 77.24% | 77.24% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728854 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 72.41% | 72.41% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728913 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 78.44% | 78.44% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | -$6000.00 | -2.09% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728928 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728860 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 64.13% | 64.13% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728858 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304443765 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $14000.00 | 7.37% | 98% | 2% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728908 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | -$10000.00 | -7.69% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728892 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728978 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728946 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728930 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728867 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Not Eligible | N/A |  |
| 304728835 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 79.99% | 79.99% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728834 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 74.38% | 74.38% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728898 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728853 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728848 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 67.46% | 67.46% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728884 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | -$27000.00 | -6.63% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728872 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 76.32% | 76.32% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | -$125000.00 | -18.12% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728831 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 71.49% | 71.49% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304428980 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304438759 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304438772 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 33.71% | 33.71% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304454336 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304489794 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304511392 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304638211 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304638039 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 304511305 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | -$80000.00 | -6.78% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 304811485 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 304811471 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304811500 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304811493 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 304637754 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304637731 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 74.74% | 74.74% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304679001 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1025 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304694661 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 304704746 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304704736 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304694817 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304699863 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304704758 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 77.33% | 77.33% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304704782 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| 304704771 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 79.95% | 79.95% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Not Eligible | 4.5 |  |
| 304704692 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 79.60% | 79.60% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 304691805 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 78.61% | 78.61% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304686906 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 79.29% | 79.29% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 304764065 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 62.50% | 62.50% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Not Eligible |  |  |
| 304735960 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304735939 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 71.43% | 71.43% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Not Eligible |  |  |
| 304735931 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304735898 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304735874 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304757663 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Not Eligible |  |  |
| 304757813 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 59.68% | 59.68% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304757812 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 40.30% | 40.30% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304735934 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304735933 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 74.64% | 74.64% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304735914 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304735913 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304757816 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304757801 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304757764 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 304757763 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Not Eligible |  |  |
| 304735897 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304735890 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 62.50% | 62.50% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304735889 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304757723 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304735948 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304763888 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 78.27% | 78.27% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304735965 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304735947 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304757789 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304735887 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 304757733 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304757762 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304757742 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 69.44% | 69.44% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304757741 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 69.44% | 69.44% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304757740 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 69.44% | 69.44% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304757712 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304757704 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304757699 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 67.22% | 67.22% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304757582 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 66.02% | 66.02% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304757786 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304735871 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304757710 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304757709 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304757635 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304757632 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 304757792 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 304735895 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 51.39% | 51.39% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.7 |  |
| 304757757 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304757716 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304757627 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304763872 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304763928 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304757810 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 51.17% | 51.17% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304735901 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 72.94% | 72.94% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304735875 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 73.00% | 73.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304757688 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304757597 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 304757561 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 50.00% | 50.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304757711 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304757587 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304763776 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 74.38% | 74.38% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304757799 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.97% | 70.97% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | -$50000.00 | -3.23% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| 304735908 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304780029 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 71A | XXX | 70.76% | 70.76% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | -$85000.00 | -5.65% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304757735 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304735938 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Eligible | 2.4 |  |
| 304757724 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304764078 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304763827 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304735924 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 67.31% | 67.31% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304735872 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304757630 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304757629 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 54.76% | 54.76% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 304757573 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 304763863 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304763862 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304764017 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 304780027 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 71A | XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304812733 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 304818147 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 72.66% | 72.66% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304812648 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 79.75% | 79.75% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.9 |  |
| 304812759 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304818137 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 74.19% | 74.19% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304818158 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304818123 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304818119 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304818033 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 304763944 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304812758 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304818049 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |

---

## Exhibit 99.21

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.21**

Executive Summary

**4. Description of the Due Diligence Services**

**1.** **Type of Assets Reviewed** 

Inglet Blair, LLC ("IB") performed certain due diligence review services (the "Review"), as defined herein. The loans reviewed were originated from February 2025 to August 2025 and were collateralized by residential real estate and multi-family properties purchased by the applicable mortgagors for the purpose of generating rental income (the "Loans"). The Loans were acquired by JPMorgan Chase Bank, National Association (the "Client") from lenders and/or aggregators (the "Seller"), via bulk acquisition or reliance letter. The information provided below represents the approach and methodology used at the time of original acquisition by the Seller. Each of the Loans was acquired by the Seller from various lenders a lender through a delegated correspondent channel.

**2.** **Sample Size of Assets Reviewed** 

This report reflects 28 loans selected by the Client to include in JPMMT 2025-NQM4 (the "Securitization"). Client did not disclose to IB if additional loans are included in the Securitization. While the Client may have included additional loans in the Securitization, such loans were not subject to the Review referenced herein. IB reviewed 100% of the Loans provided by the Client and can only assume the sample size was 100%.

**3.** **Sample Size Determination** 

The Client, in its sole discretion, determined the Loans to be reviewed by IB. As noted in Section 2 above, Client provided IB with 28 loans, all of which were reviewed by IB. Therefore, IB used no sampling methodology in its Review.

**4.** **Information and Data Integrity** 

IB was provided certain data elements (the "Tape Data"), which were supplied by the Seller. The Seller aggregated the Tape Data from the various lenders. Each lender did not supply Seller with uniform Tape Data; thus, individual Loan Tape Data may not have included all data elements as detailed below in this Section 4. IB subsequently mapped and compared the Tape Data to information contained in each Loan file. When the data was provided, IB compared the following fields:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**Field Name** |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Total Debt to Income Ratio |
| &nbsp;&nbsp;Amortized Original Term | &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;ARM Initial Adjustment Period | &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;ARM Initial Rate Cap | &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;ARM Lookback Period | &nbsp;&nbsp;Loan Term |
| &nbsp;&nbsp;ARM Margin | &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;ARM Maximum Interest Rate | &nbsp;&nbsp;LTV |
| &nbsp;&nbsp;ARM Minimum Interest Rate | &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;ARM Payment Change Frequency | &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;ARM Periodic Rate Cap | &nbsp;&nbsp;Original Interest Rate |

---

Inglet Blair, LLC Deal Summary

JPMMT 2025-NQM4

pg. 1

---

| | |
|:---|:---|
| &nbsp;&nbsp;ARM Periodic Rate Cap at first Adjustment Down | &nbsp;&nbsp;Original Principal and Interest |
| &nbsp;&nbsp;ARM Periodic Rate Cap at first Adjustment Up | &nbsp;&nbsp;Original Principal Balance |
| &nbsp;&nbsp;ARM Rate Cap at first Adjustment Down | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;ARM Rate Cap at first Adjustment Up | &nbsp;&nbsp;Representative Credit Score |
| &nbsp;&nbsp;ARM Rate Change Frequency | &nbsp;&nbsp;Residual Income |
| &nbsp;&nbsp;ATR/QM Designation | &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Subject Address |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Subject City |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;Subject State |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Subject Zip Code |

---

**5.** **Underwriting, Origination Practices and Conformity to Guidelines and/or Criteria** 

Each Loan was reviewed to the applicable guideline, matrix and/or finding report, produced by an Automated Underwriting System ("AUS"), as provided to IB. Depending on the applicable guideline requirements, IB verified, recalculated and compared certain metrics and attributes:

- Debt to Income ("DTI")

- Debt Service Coverage Ratio ("DSCR")

- Loan to Value ("LTV") / Combined Loan to Value ("CLTV")

- Lien Position

- Gross Income

- Qualifying Principal, Interest, Taxes and Insurance ("PITI") payment

- Assets and Reserves

- Monthly debt service

- Residual Income

- Occupancy

- Property Type

To the extent prescribed by the applicable guidelines, every Loan received an evaluation of the applicable borrower's employment, income, assets and credit history as follows:

Employment and Income:

- Meets the guidelines and, as applicable, regulatory documentation requirements

- Creditor income calculations are reasonable and as prescribed by the applicable guidelines

- Ensure borrower(s) is/are currently employed

Assets

- Confirm asset source and documentation requirements

- Re-calculate gross, net and liquid asset balances

- Incorporate gift funds and sourcing documentation

- Confirm and calculate reserve calculations

Credit Report

- Determine representative Credit Score and Methodology

- Number of tradelines

Maximum amount of open tradelines

- Mortgage/Rental payment history

- Installment and Revolving payment history

- Bankruptcy and Foreclosure seasoning

- OFAC Alert(s)

Inglet Blair, LLC Deal Summary

JPMMT 2025-NQM4

pg. 2

Credit Application (FNMA Form 1003)

- Substantially complete

- Employer and employment status

- Confirmation of loan purpose and occupancy

- Disposition and status of Real Estate Owned (REO)

- First time home buyer status

- Citizenship and eligibility

Title Review - For each Loan the title commitment or, if present, final title policy was reviewed to confirm:

- Vestee(s)

- Title interest – Fee Simple or Leasehold

- Tax liens, encumbrances, encroachments and/or other title defects were satisfied or addressed

Fraud Report – IB reviewed each Loan file for the presence of a fraud report with all material findings addressed surrounding borrower name variances, social security number discrepancies, subject-property occupancy or employment history.

Hazard and Flood Insurance – Each Loan was reviewed to ensure that (i) each hazard policy limit met the applicable guideline requirement (ii) the property address was correct (iii) the premium was accurately reflected in the DTI calculation and (iv) escrowed where required.

Similarly, where the flood certificate indicates the property improvements were located in a flood zone, IB confirmed the coverage met the guideline requirements and, where applicable, the premium escrowed.

Closing/Legal Documents – All Loans received a review of the closing documentation. This includes the note, mortgage (and applicable riders), assignments, mortgage insurance certificates, underwriter approvals, and HUD-1 or Closing Disclosure, as applicable, are executed by all applicable parties and generally convey the terms of the Loan.

The information and findings provided herein were based on the information provided in the loan file images presented at the time of review.

**6.** **Collateral Review and Methodology** 

To establish reasonable support for the original appraised value, each qualifying appraisal was accompanied by one of the following: (i) an existing desk review report provided by the originator (or issuer), (ii) a second full appraisal (typically required by the guidelines) or (iii) a FNMA Collateral Underwriter ("CU") analysis with a score of 2.5 or less. In the event a loan did not contain any of the supplemental documentation, IB ordered an AVM, desk review or field review to fulfill the requirement. If any of the supplemental material(s) had an estimate of value that was lower than the original appraised value by 10% (or more), a field review (or suitable alternative) was obtained.

Each Loan was analyzed to confirm it was sufficiently collateralized by real property, and each appraisal was audited to address the following FIRREA/USPAP rules and standards:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Was the appraisal prepared for a financial services institution?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Does the appraisal state the definition of Market Value?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Does the appraisal indicate the appraiser's license or certification, number and expiration date?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Does the appraisal disclose any extraordinary assumptions, hypothetical conditions? Does the appraisal include a statement of assumptions
and limiting conditions?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If yes, do the items appear to be reasonable?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Is a minimum 3-year subject sale history included?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Does the report state the effective date of the appraisal?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Does the appraisal summarize the process used to collect, confirm, and report data?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Does the appraisal state the subject's highest and best use?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Does the appraisal clearly identify the real estate being appraised?

Inglet Blair, LLC Deal Summary

JPMMT 2025-NQM4

pg. 3

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. Does the appraisal state the real property interest being appraised?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Does the report contain sufficient information?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;l. Was the appraisal reported on a FNMA appraisal form?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If yes, was the form materially complete?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. Which of the industry recognized methods of valuation were included that may have been utilized to support the institution's
decision to engage in the transaction?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Direct Sales Comparison Approach, Cost Approach, or Income Approach?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If any of these approaches have been omitted or excluded, is there sufficient explanation provided as to why?

**7.** **Regulatory Compliance Review to Federal, State and Local Lending Laws** 

All Loans deemed to be consumer purpose loans were submitted to an automated regulatory compliance review the "TRID Review". The system tested each applicable Loan for adherence to certain federal, state and local consumer protection laws related to mortgage lending. For twenty-seven (27) business purpose loans, no TRID compliance testing was completed.

All applicable tests and disclosure reviews were graded in accordance with the SFA RMBS 4.0 TRID Compliance Review Scope standard as described below.

- Federal Truth in Lending Act– Regulation Z

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Consumer Handbook on Adjustable Rate Mortgages (1026.19(b)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm acknowledgement of receipt
by the borrower or documentary evidence disclosure was delivered to the borrower(s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Your Home Loan Toolkit (1026.19(g)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm acknowledgement of receipt
by the borrower or documentary evidence disclosure was delivered to the borrower(s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Provided within 3 business days
of application

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Federal High-cost (1026.32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Identify points and fees and/or
APR threshold test failures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Prepayment Penalty restrictions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Higher-priced Mortgage Loans (1026.35)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· APR Threshold with the corresponding
appraisal and escrow requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Right of Rescission (1026.23)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review accuracy, timing and
content of disclosure(s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm all requisite consumers
received notice and correct form

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Qualified Mortgage Rule (1026.43(e))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Perform points and fees test
to confirm 3% threshold

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Adherence to Appendix Q and
DTI below 43% or Temp QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Application Dates of 1/10/2014
to 2/28/2021

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Adherence to Appendix Q and
DTI below 43% and/or Temp QM and/or APR/APOR threshold testing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Application Dates of 3/1/2021
to 6/30/2021

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Adherence to Appendix Q and
DTI below 43% and/or APR/APOR threshold testing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Application Dates of 7/1/2021
to 9/30/2022

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· APR/APOR threshold testing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Application Dates on or after
10/1/2022\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Subject to any guidance updates from regulators

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan does not contain "risky
feature" (IO, Negative Amortization, etc.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Contain a valid and approved
AUS, as applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Ability-to-Repay ("ATR")
(1026.43(c)(2) – IB reviewed each Loan for the applicable mortgagor's ability to repay; however, there is no representation
or warranty, implied or otherwise, that a court (or other administrative/legislative authority) will agree with the

Inglet Blair, LLC Deal Summary

JPMMT 2025-NQM4

pg. 4

determination. IB objectively confirmed the following eight (8)-factors had been considered and, where applicable, documented:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (i) The consumer 's
current or reasonably expected income or assets, other than the value of the dwelling ,
including any real property attached to the dwelling ,
that secures the loan;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (ii) If the creditor relies
on income from the consumer 's
employment in determining repayment
ability , the consumer 's
current employment status;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (iii) The consumer 's
monthly payment on the covered transaction, calculated in accordance with paragraph
(c)(5) of this section;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (iv) The consumer 's
monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made, calculated in accordance with paragraph
(c)(6) of this section;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (v) The consumer 's
monthly payment for mortgage-related obligations;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (vi) The consumer 's
current debt obligations,
alimony, and child support;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (vii) The consumer 's
monthly debt -to-income
ratio or residual income in accordance with paragraph
(c)(7) of this section; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (viii) The consumer 's
credit history.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TRID (1026.36, 37)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Loan Estimate ("LE")

* Initial LE was provided within three (3) business days of application as provided by the broker or creditor and
loan does not consummate within seven (7) business days of receipt

* Provided within three (3) business days of a valid Change of Circumstance

* Complete in all material respects

* Contains NMLS ID

* Confirm the "In 5 Years" calculation is not over disclosed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final Closing Disclosure ("CD")

* Confirm creditor provided CD no later than three (3) business days of consummation and confirm all relevant fields
are complete

* Ensure technical requirements are met – Rounding, Alphabetization, Number of Fees per category and title fees
properly labeled

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Recalculation of the Finance Charge, Amount Financed, Total
of Payments ("TOP"), and Total Interest Payments ("TIP")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Projected Payments - Re-calculation of Principal and Interest
payment(s), verified escrow and insurance payments, interest only periods and final balloon payments are present and displayed in the
correct number of columns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Adjustable Interest Rate and Adjustable Payment Tables are
present, complete and accurate, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· No fee charged for preparation of LE or CD

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Fee descriptions conform with clear and conspicuous standard

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan terms match that of the subject loan – balance,
rate, term, prepayment penalty

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Disclosures section is complete – Late Payment
matches the note and the escrow section is consistent within the disclosure

o Fee and Tolerance Testing - Zero and ten percent (10.0%) tolerance testing, including the presence, timing and a validation of a change of circumstance and corresponding fee changes

o Evidence Service Provider List and Your Home Loan Toolkit, if applicable, were provided or present in the loan file

o LE and CD form(s) provided to the borrower are consistent across the loan process

o NMLS ID is present on the loan application, note, security instrument, LE and CD, as applicable

o Items not tested, include but are not limited to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Categorization of fees in the appropriate section

Inglet Blair, LLC Deal Summary

JPMMT 2025-NQM4

pg. 5

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of information for fields not expressly stated
above

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Presence and accuracy of the Seller's Transaction
columns on the Seller's columns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o State High-cost and Predatory lending regulations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o RESPA disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm GFE and HUD-1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Special Information Booklet

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Notice of Servicing Transfer

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated Business Arrangement
Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Homeownership Counseling Disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Equal Credit Opportunity Act

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Presence, acknowledgement and
timing of the Right to Receive Copy of Appraisal Disclosure

Structured Finance Association ("SFA") organized and led an initiative to establish a framework for Third-Party Reviewer's ("TPR") to evaluate and grade loans subject to the Know Before You Owe Act, also commonly referred to as TILA-RESPA Integrated Disclosure ("TRID"). While all grades and conclusions are established in good faith, the grading scheme materiality and impact for certain exceptions may change from time to time, and thus, all reports contain Interpretation Risk. Under no circumstance should the Client, any potential investors or other individual party solely rely on the interpretations made by IB, SFA, or its outside counsel.

Please be advised that IB is not a law firm, does not employ personnel who are licensed to practice law and the exceptions, observations and conclusions provided by IB are not legal opinions. IB relies upon the advice of outside counsel, informal advice of regulators and industry practice to determine materiality.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**TRID Tested** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;No | &nbsp;&nbsp;27 | &nbsp;&nbsp;96.43% |
| &nbsp;&nbsp;Yes | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.57% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**28** | &nbsp;&nbsp;**100%** |

---

**8.** **Any Other Type of Review** 

There was no other review performed.

Inglet Blair, LLC Deal Summary

JPMMT 2025-NQM4

pg. 6

**5. Summary of Finding and Conclusions of Review**

The following tables represent the final NRSRO overall and component grades. The Overall grade is comprised of the lowest of the component grades.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Final Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;23 | &nbsp;&nbsp;82.14% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;17.86% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**28** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**NRSRO Final Credit Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;24 | &nbsp;&nbsp;85.71% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**28** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**NRSRO Final Compliance Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;27 | &nbsp;&nbsp;96.43% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.57% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**28** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**NRSRO Final Property Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;28 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**28** | &nbsp;&nbsp;**100%** |

---

The following tables represent certain key attributes of the Loans and their frequency amongst the loan population.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;Fixed Rate | &nbsp;&nbsp;28 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**28** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;1st | &nbsp;&nbsp;28 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**28** | &nbsp;&nbsp;**100%** |

---

Inglet Blair, LLC Deal Summary

JPMMT 2025-NQM4

pg. 7

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp; Cash Out: Other/Multipurpose/<br> Unknown purpose | &nbsp;&nbsp;12 | &nbsp;&nbsp;42.86% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;7 | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp; First Time Home Purchase, as defined<br> by American Recovery and<br> Reinvestment Act of 2009 (Purchaser<br> has not owned a principal residence in<br> the past three years.) | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.57% |
| &nbsp;&nbsp; Rate/Term Refinance -- Borrower<br> initiated | &nbsp;&nbsp;8 | &nbsp;&nbsp;28.57% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**28** | &nbsp;&nbsp;**100%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;Single Family Detached (non-PUD) | &nbsp;&nbsp;16 | &nbsp;&nbsp;57.14% |
| &nbsp;&nbsp; PUD (Only for use with Single-Family<br> Detached Homes with PUD riders) | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.57% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;2 | &nbsp;&nbsp;7.14% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;7 | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.57% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.57% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**28** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**LTV** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;**00.01- 10.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**10.01- 20.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**20.01- 30.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**30.01- 40.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**40.01- 50.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**50.01- 60.00** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;10.71% |
| &nbsp;&nbsp;**60.01- 70.00** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;**70.01- 80.00** | &nbsp;&nbsp;**20** | &nbsp;&nbsp;71.43% |
| &nbsp;&nbsp;**80.01- 90.00** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;3.57% |
| &nbsp;&nbsp;**90.01- 100.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**28** | &nbsp;&nbsp;**100%** |

---

Inglet Blair, LLC Deal Summary

JPMMT 2025-NQM4

pg. 8

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**CLTV** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;**00.01- 10.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**10.01- 20.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**20.01- 30.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**30.01- 40.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**40.01- 50.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**50.01- 60.00** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;10.71% |
| &nbsp;&nbsp;**60.01- 70.00** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;**70.01- 80.00** | &nbsp;&nbsp;**20** | &nbsp;&nbsp;71.43% |
| &nbsp;&nbsp;**80.01- 90.00** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;3.57% |
| &nbsp;&nbsp;**90.01- 100.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**28** | &nbsp;&nbsp;**100%** |

---

Inglet Blair, LLC Deal Summary

JPMMT 2025-NQM4

pg. 9

## Exhibit 99.22

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.22**

---

| | | | |
|:---|:---|:---|:---|
| Seller Loan ID | JPM Loan ID | Data Field | Discrepancy Comments |
| (redacted) | 304643276 | Investor DTI (DSCR Ratio) (redacted) | Non-material variance due to rounding. |
| (redacted) | 304684409 | Investor DTI (DSCR Ratio) (redacted) | Variance is non-material. |
| (redacted) | 304699188 | Original Note Balance (redacted) | Review Value captured as per the Note. Tape is the original approved loan amount. |
| (redacted) | 304699188 | Original Interest Rate (redacted) | Review Value captured as per the Note. Tape is the original approved rate. |
| (redacted) | 304699188 | Original Loan to Value (redacted) | Review Value calculated using the Note amount and sales price. Tape is based on the original approved loan amount. |
| (redacted) | 304699188 | Original Combined Loan to Value (redacted) | Review Value calculated using the Note amount and sales price. Tape is based on the original approved loan amount. |
| (redacted) | 304699188 | Original P&I Payment (redacted) | Review Value captured as per the Note. Tape is based on the original approved loan amount. |
| (redacted) | 304699188 | Representative Credit Score (redacted) | Review Value is the borrowers middle credit score. Source of tape is unknown. |
| (redacted) | 304699188 | Investor DTI (DSCR Ratio) (redacted) | Variance is non-material. |
| (redacted) | 304684820 | Total Debt to Income Ratio (redacted) | Approved DTI (redacted), variance < (redacted) is non-material ((redacted) Max). Source of tape is unknown. |
| (redacted) | 304684820 | Appraised Value (redacted) | Tape Value is the sales price. Review Value is the appraisal value. |
| (redacted) | 304699164 | Investor DTI (DSCR Ratio) (redacted) | Approved DSCR (redacted), variance is non-material. Source of tape is unknown. |
| (redacted) | 304707145 | Original Note Balance (redacted) | Review Value captured from the Note. Tape is the original requested loan amount. |
| (redacted) | 304707145 | Original Loan to Value (redacted) | Approved LTV (redacted), no variance. Source of tape is unknown. |
| (redacted) | 304707145 | Original Combined Loan to Value (redacted) | Approved CLTV (redacted), no variance. Source of tape is unknown. |
| (redacted) | 304707145 | Original P&I Payment (redacted) | Review Value captured from the Note. Source of tape is unknown. |
| (redacted) | 304707145 | Appraised Value (redacted) | Review Value captured as per the Appraisal. Tape is the estimated value at application. |
| (redacted) | 304720384 | Investor DTI (DSCR Ratio) (redacted) | Variance is non-material. |
| (redacted) | 304731268 | Investor DTI (DSCR Ratio) (redacted) | Non material variance |
| (redacted) | 304721806 | Investor DTI (DSCR Ratio) (redacted) | Approved DSCR (redacted), non-material variance is due to rounding. Source of tape is unknown. |
| (redacted) | 304725154 | Representative Credit Score (redacted) | Review Value is the higher of the two guarantors middle credit scores. Source of tape is unknown. |
| (redacted) | 304729167 | Investor DTI (DSCR Ratio) (redacted) | Approved DSCR (redacted). Source of Tape is unknown. |
| (redacted) | 304734561 | Original Note Balance (redacted) | Review Value captured from the Note. Source of Tape is unknown. |
| (redacted) | 304734561 | Original Loan to Value (redacted) | Review Value calculated using the loan amount and the appraisal value. Review Value matches to the loan approval. Source of Tape is unknown. |
| (redacted) | 304734561 | Original Combined Loan to Value (redacted) | Review Value calculated using the loan amount and the appraisal value. Review Value matches to the loan approval. Source of Tape is unknown |
| (redacted) | 304734561 | Original P&I Payment (redacted) | Review Value captured from the Note. Source of Tape is unknown. |
| (redacted) | 304734561 | Investor DTI (DSCR Ratio) (redacted) | Approved DSCR (redacted), variance is non-material. Source of Tape is unknown. |
| (redacted) | 304729168 | Investor DTI (DSCR Ratio) (redacted) | Approved DSCR (redacted), variance is non-material (Min Req (redacted)). Source of Tape is unknown. |
| (redacted) | 304729165 | Investor DTI (DSCR Ratio) (redacted) | Variance is non-material (Min Req (redacted)) |
| (redacted) | 304728683 | Original Note Balance (redacted) | Review Value captured from the Note. Source of Tape is unknown. |
| (redacted) | 304728683 | Original Loan to Value (redacted) | Review Value based on the Appraisal Value. Tape based the Sales Price. |
| (redacted) | 304728683 | Original Combined Loan to Value (redacted) | Review Value based on the Appraisal Value. Tape based the Sales Price. |
| (redacted) | 304728683 | Original P&I Payment (redacted) | Review Value captured from the Note. Source of Tape is unknown. |
| (redacted) | 304728683 | Appraised Value (redacted) | Review Value is the Appraisal Value. Tape is the Sales Price. |
| (redacted) | 304758225 | Investor DTI (DSCR Ratio) (redacted) | Approved DSCR (redacted), non-material variance due to rounding. Source of Tape Value is unknown. |
| (redacted) | 304729166 | Investor DTI (DSCR Ratio) (redacted) | Non-Material variance |
| (redacted) | 304756732 | Appraised Value (redacted) | Tape reflects the sales price. Value per appraisal (redacted). |
| (redacted) | 304756732 | Investor DTI (DSCR Ratio) (redacted) | Source of tape is unknown, Review calculation matches lender DSCR worksheet. |
| (redacted) | 304776838 | Investor DTI (DSCR Ratio) (redacted) | Approved DSCR (redacted), no variance. Source of Tape Value is unknown. |

---

## Exhibit 99.23

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.23**

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Seller Name | JPM Loan ID | Exception ID Date | Condition Category | Condition Standardized Description | Condition ID | Initial Exception Grade | Final Exception Grade | Status | Condition Custom Description | Cleared Date | Compensating Factors | Lender Response | Comments | Loan Status |
| (redacted) | 304643276 (redacted) | 03/04/2025 | Credit | Guideline Exception(s) | GIDE 0001 | 3 | 1 | Closed | Missing Certificate of Good Standing, (redacted) (Good for (redacted) Days). | 03/06/2025 | Verified housing payment history - Credit report confirms (redacted) months satisfactory mortgage rating on (redacted) open mortgages.; Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; Verified reserves - (redacted) Months Verified PITI Reserves > (redacted) Months Required.; | Verified housing payment history - Credit report confirms (redacted) months satisfactory mortgage rating on (redacted) open mortgages.; Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; Verified reserves - (redacted) Months Verified PITI Reserves > (redacted) Months Required.; | 03/06/2025 Certificate of Good Standing for (redacted) provided. Finding cleared. - 03/06/2025 Certificate of Good Standing for (redacted) provided. Finding cleared. | Funded C A |
| (redacted) | 304684409 (redacted) | 04/07/2025 | Compliance | Missing Final HUD-1 | HUD 0001 | 4 | 1 | Closed | Missing final HUD/Settlement Statement/Closing Disclosure. Also missing is the closing instructions.<br>NOTE: Settlement statement is needed to verify:<br>1) Cash to borrower at closing, which was used to meet liquidity requirements<br>2) Hazard insurance premium paid at closing with escrow account established <br>3) Verify no loan proceeds were used for personal reasons | 04/08/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; |  | 04/08/2025 Recd closing instructions and settlement statement. Refer to new finding HUD 0028. - 04/08/2025 Recd closing instructions and settlement statement. Refer to new finding HUD 0028. | Funded D A |
| (redacted) | 304684409 (redacted) | 04/07/2025 | Credit | Missing Hazard Insurance Proof of Premium | HAZ 0001 | 3 | 1 | Closed | Missing hazard insurance paid receipt, (redacted) with premium of (redacted). No settlement statement in file to confirm the premium was paid at closing (Refer to HUD 0001). | 04/08/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; |  | Recd settlement statement to evidence hazard insurance premium was paid at closing. - 04/08/2025 Recd settlement statement to evidence hazard insurance premium was paid at closing. | Funded C A |
| (redacted) | 304684409 (redacted) | 04/07/2025 | Compliance | File Documentation is Incomplete (Compliance) | COMP 0047 | 3 | 1 | Closed | Missing Certificate of Good Standing, (redacted). | 04/08/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; |  | 04/08/2025 Recd SOS confirming the entity is in good standing. - 04/08/2025 Recd SOS confirming the entity is in good standing. | Funded C A |
| (redacted) | 304684409 (redacted) | 04/07/2025 | Credit | Missing Required Fraud Tool | CRED 0089 | 3 | 1 | Closed | Missing background report on non-qualifying guarantor, (redacted), (redacted) owner of qualifying entity, (redacted).<br>Per guidelines - <br>Even though Non-Qualifying Guarantors are not acting as Qualifying Guarantors on the loan they must have an OFAC check performed. All Non-Qualifying Guarantors must have a clear OFAC. <br>Key Principals of the borrowing entity will require a full background report. <br>| 04/29/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; |  | 04/29/2025 Recd background report, (redacted); Foreclosure activity > (redacted) years, fed/state tax liens have been released except for state tax lien filed (redacted) (redacted) reflecting no amount, all other judgments/liens > (redacted) years, and (redacted) court/trial offenses that do not provide type or date of the offenses. - 04/29/2025 Recd background report, (redacted); Foreclosure activity > (redacted) years, fed/state tax liens have been release except for state tax lien filed (redacted) reflecting no amount, all other judgments/liens > (redacted) years, and (redacted) court/trial offenses that do not provide type or date of the offenses. | Funded C A |
| (redacted) | 304684409 (redacted) | 04/08/2025 | Compliance | Loan Disbursement Date and Interest From on HUD do not match | HUD 0028 | 3 | 1 | Closed | Recd final settlement statement, Interest From Date (redacted) does not match to the Disbursement Date of (redacted). | 04/30/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; |  | 04/30/2025 Closing instruction in file notate interest paid through (redacted) for (redacted) days as evidenced on final HUD. Finding cleared. - 04/30/2025 Closing instruction in file notate interest paid through 4/30/2025 @ $38.88 for 30 days as evidenced on final HUD. Finding cleared.<br>04/30/2025 Attached settlement statement doesn't reflect the disbursement date.<br>04/29/2025 Pending receipt of post-closing disclosure. | Funded C A |
| (redacted) | 304699188 (redacted) | 05/15/2025 | Credit | Insufficient Verified Funds to Close | CRED 0016 | 3 | 1 | Closed | Missing documented assets sufficient to cover cash to close and (redacted) months reserves totaling (redacted):<br>Subject Cash to Close (redacted)<br>Concurrent Cash to Close (redacted) (Borrower is purchasing (redacted) properties form seller) <br>Subject Reserves x (redacted)<br>Documented Assets (redacted): <br>(redacted)<br>(redacted)<br>NOTE: Borrower completed a cash out refinance, (redacted), for cash in hand of (redacted) which was already in included in (redacted) | 05/16/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; Verified housing payment history - Credit report reflects (redacted) open mortgages satisfactorily rated (redacted) months.; Verified reserves - (redacted) mths reserves verified.; | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; Verified housing payment history - Credit report reflects (redacted) open mortgages satisfactorily rated (redacted) months.; Verified reserves - (redacted) mths reserves verified.; | Copy of settlement statement from the refinance of (redacted) received. Proceeds to borrower are sufficient to cover funds required to close and (redacted) mths reserves. - 05/16/2025 Copy of settlement statement from the refinance of (redacted) received. Proceeds to borrower are sufficient to cover funds required to close and (redacted) mths reserves. | Funded C A |
| (redacted) | 304699188 (redacted) | 05/15/2025 | Credit | Missing Lease Agreement and/or Not Executed | LEAS 0001 | 3 | 1 | Closed | Missing signed lease agreement subject property. Only rent increase letter provided in file. Lease was used for the qualifying DSCR calculation. | 05/16/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; Verified housing payment history - Credit report reflects (redacted) open mortgages satisfactorily rated (redacted) months.; Verified reserves - (redacted) mths reserves verified.; | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; Verified housing payment history - Credit report reflects (redacted) open mortgages satisfactorily rated (redacted) months.; Verified reserves - (redacted) mths reserves verified.; | 05/16/2025 Executed lease for the subject received. - 05/16/2025 Executed lease for the subject received. | Funded C A |
| (redacted) | 304684820 (redacted) | 05/15/2025 | Credit | Missing Verification of Rental | CRED 0021 | 3 | 2 | Acknowledged | Missing (redacted) months canceled checks (Landlord (redacted) / Rent (redacted)).<br>Per guidelines, A combined total of all late mortgage and rental payments in the past (redacted) months must be used to determine the housing history. For Private party landlords a VOR (or a copy of the current lease) will be required ALONG with (redacted) months cancelled<br>checks. | Missing (redacted) months canceled checks (Landlord (redacted) / Rent (redacted)).<br>Per guidelines, A combined total of all late mortgage and rental payments in the past (redacted) months must be used to determine the housing history. For Private party landlords a VOR (or a copy of the current lease) will be required ALONG with (redacted) months cancelled<br>checks. | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; Low DTI - Approved DTI (redacted) < (redacted) Max Allowed.; | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; Low DTI - Approved DTI (redacted) < (redacted) Max Allowed.; | 06/26/2025 EV2/B - Investor Acknowledged Exception<br>06/25/2025 Escalated to investor for review. | Funded C B |
| (redacted) | 304684820 (redacted) | 05/15/2025 | Credit | Fraud report alerts have not been addressed | FRAUD 0001 | 3 | 1 | Closed | Missing documentation used to confirm borrower has no ownership of (redacted). | 06/25/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; Low DTI - Approved DTI (redacted) < (redacted) Max Allowed.; | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; Low DTI - Approved DTI (redacted) < (redacted) Max Allowed.; | 06/25/2025 Recd property profile to evidence borrower has no ownership of the potential undisclosed REO. - 06/25/2025 Recd property profile to evidence borrower has no ownership of the potential undisclosed REO. | Funded C A |
| (redacted) | 304684820 (redacted) | 05/15/2025 | Credit | Excessive Payment Shock | CRED 0035 | 3 | 2 | Acknowledged | Payment Shock (redacted) > (redacted) Max Allowed FTHB.<br>Current Rent (redacted) <br>PITI (redacted) |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; Low DTI - Approved DTI (redacted) < (redacted) Max Allowed.; | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; Low DTI - Approved DTI (redacted) < (redacted) Max Allowed.; | 06/27/2025 EV2/B Investor Acknowledged Exception<br>06/27/2025 Exception escalated to investor for review.<br>06/25/2025 Lease agreement in file (pg 269) indicates a housing expense of $300. | Funded C B |
| (redacted) | 304684820 (redacted) | 05/15/2025 | Credit | Guideline Exception(s) | GIDE 0001 | 3 | 2 | Acknowledged | Missing investor acknowledgement for self-employment < (redacted) years required. Business registered (redacted)) as per (redacted). Borrower does not meet < (redacted) years restrictions due to missing prior employment verification and First Time Homebuyer. | Missing investor acknowledgement for self-employment < (redacted) years required. Business registered (redacted)) as per (redacted). Borrower does not meet < (redacted) years restrictions due to missing prior employment verification and First Time Homebuyer. | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; Low DTI - Approved DTI (redacted) < (redacted) Max Allowed.; | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; Low DTI - Approved DTI (redacted) < (redacted) Max Allowed.; | 07/01/2025 EV2/B Recd additional post-consummation (redacted) for affiliated business.<br> --Review completed search on state department that confirms borrowers ownership (redacted) since (redacted), thus completing (redacted) months self-employment verification. UBI # matches self-employment business UBI#. - Mitigated Risk: 07/01/2025 EV2/B Recd additional post-consummation SOS for affiliated business.<br> --Review completed search on state department that confirms borrowers ownership (redacted) since (redacted), thus completing (redacted) months self-employment verification. UBI # matches self-employment business UBI#.<br> 06/30/2025 Review is unable to identify borrowers affiliation with the attached entity search. Missing operating agreement or (redacted) letter to document ownership.<br> 06/25/2025 (redacted) letter confirms self-employment > (redacted) years, however SOS shoes the business was registered < (redacted) years. (redacted) to address the discrepancy. Or, provide verification of previous employment in same line of business to complete (redacted) years verification.<br> EV2/B Recd additional post-consummation (redacted) for affiliated business.<br> --Review completed search on state department that confirms borrowers ownership (redacted) since (redacted), thus completing (redacted) months self-employment verification. UBI # matches self-employment business UBI#. | Funded C B |
| (redacted) | 304691423 (redacted) | 05/19/2025 | Credit | Credit Documentation is Insufficient | CRED 0093 | 3 | 1 | Closed | Missing VOM, (address).<br>--Per guidelines, (redacted) on all owned real estate. | 05/20/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; Verified reserves - (redacted) Months Verified Reserves > (redacted) Months Required.; | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; Verified reserves - (redacted) Months Verified Reserves > (redacted) Months Required.; | 05/20/2025 Recd Open Lien Report confirming no open liens. Review notes the original lien was recorded (redacted) in the amount of (redacted). - 05/20/2025 Recd Open Lien Report confirming no open liens. Review notes the original lien was recorded (redacted) in the amount of (redacted). | Funded C A |
| (redacted) | 304699164 (redacted) | 05/21/2025 | Compliance | Unable to determine Consumer or Business Purpose | TIL 0021 | 3 | 1 | Closed | Missing business purpose attestation. | 05/22/2025 | Verified credit history - Qualifying Credit Score (redacted) > (redacted) Min Required.; Verified housing payment history - Credit report reflects (redacted) open mortgages and (redacted) open HELOC satisfactorily rated(redacted) months.; | Verified credit history - Qualifying Credit Score (redacted) > (redacted) Min Required.; Verified housing payment history - Credit report reflects (redacted) open mortgages and (redacted) open HELOC satisfactorily rated(redacted) months.; | 05/22/2025 Finding is cleared with the attached cash out letter confirming use of funds were to be used for business purpose. - 05/22/2025 Finding is cleared with the attached cash out letter confirming use of funds were to be used for business purpose. | Funded C A |
| (redacted) | 304715267 (redacted) | 05/28/2025 | Credit | Non-Arms Length Transaction | CRED 0026 | 3 | 1 | Closed | Missing investor acknowledgement for cash out refinance on subject property acquired under value via non-arms length transaction with no updates noted. <br>Guarantor acquired the subject property (redacted) (Recorded (redacted)) via non-arms length transaction, property was not listed and sold for (redacted) which is indicated to be under value. Current appraised value (redacted) with no updates noted (Site Value (redacted)). Guarantor received (redacted) cash in hand at closing. Guarantor appears to have been managing the property prior to acquisition as per the existing lease agreement.<br>| 06/05/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; |  | 06/05/2025 Investor confirms (redacted) as the applicable date since that is when the transaction factually occurred, thus using appraisal valuation for cash out and LTV purposes is deemed acceptable. No seasoning requirements for cash out transactions. - 06/05/2025 Investor confirms 05/07/2024 as the applicable date since that is when the transaction factually occurred, thus using appraisal valuation for cash out and LTV purposes is deemed acceptable. No seasoning requirements for cash out transactions.<br>06/04/2025 Escalated to investor for review. | Funded C A |
| (redacted) | 304707145 (redacted) | 05/30/2025 | Credit | Guideline Exception(s) | GIDE 0001 | 2 | 2 | Acknowledged | (redacted) Month Prepayment Penalty Period < (redacted) Month Term Required. |  | Verified credit history - Qualifying Credit Score (redacted) > (redacted) Min Required.; Verified housing payment history - Credit report reflects (redacted) open mortgage and open HELOC satisfactorily rated (redacted) months.; Low LTV/CLTV/HCLTV - (redacted) LTV < 9redacted) Max Allowed.; | Verified credit history - Qualifying Credit Score (redacted) > (redacted) Min Required.; Verified housing payment history - Credit report reflects (redacted) open mortgage and open HELOC satisfactorily rated (redacted) months.; Low LTV/CLTV/HCLTV - (redacted) LTV < 9redacted) Max Allowed.; | 05/30/2025 EV2/B - Investor lock confirmation evidences acknowledgement of the exception to guidelines (pg 578). | Funded C B |
| (redacted) | 304720384 (redacted) | 06/02/2025 | Credit | Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information | CRED 0103 | 3 | 1 | Closed | Evidence of insurance mortgage loan number, (redacted), is inaccurate. Actual loan number is (redacted). | 06/10/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; Verified housing payment history - Credit report reflects (redacted) open mortgage and (redacted) open Home Equity Loan satisfactorily rated (redacted) months.; | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; Verified housing payment history - Credit report reflects (redacted) open mortgage and (redacted) open Home Equity Loan satisfactorily rated (redacted) months.; | 06/10/2025 Recd email correspondence from the insurer with snippet from their system reflecting correct loan number, (redacted), associated with subject property. Insurer indicates that there is a system issue causing the incorrect loan number to print on the EOI. - 06/10/2025 Recd email correspondence from the insurer with snippet from their system reflecting correct loan number,(redacted), associated with subject property (pg 1-2 of 24). Insurer indicates that there is a system issue causing the incorrect loan number to print on the EOI. | Funded C A |
| (redacted) | 304720384 (redacted) | 06/02/2025 | Credit | Missing Sufficient Evidence of Insurance | INS 0001 | 3 | 1 | Closed | Missing evidence of insurance reflecting (redacted) months rental loss coverage. Email form insurer indicates (redacted) months is included, but the insurance declaration page reflects (redacted) days. | 06/12/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; Verified housing payment history - Credit report reflects (redacted) open mortgage and (redacted) open Home Equity Loan satisfactorily rated (redacted) months.; | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; Verified housing payment history - Credit report reflects (redacted) open mortgage and (redacted) open Home Equity Loan satisfactorily rated (redacted) months.; | 06/12/2025 Attached business coverage form (redacted) (b), We will only pay for loss of Business Income that you sustain during "period of restoration" and that occurs within (redacted) consecutive months after the date of direct physical loss or damage. We will only pay for ordinary payroll expenses for (redacted) days following the date of direct physical loss or damage, unless a greater number of days is shown in the Declarations. Policy Forms/Endorsements Applicable to Policy includes Businessowners Coverage Form (redacted). - 06/12/2025 Attached business coverage form pg 7 (b), We will only pay for loss of Business Income that you sustain during "period of restoration" and that occurs within 12 consecutive months after the date of direct physical loss or damage. We will only pay for ordinary payroll expenses for 60 days following the date of direct physical loss or damage, unless a greater number of days is shown in the Declarations. Policy Forms/Endorsements Applicable to Policy includes Businessowners Coverage Form (BP 00 03 07 13).<br>06/10/2025 Attached EOI reflects 60 days of rent loss coverage (pg 11 of 24 Location 5) < 6 Months Required. | Funded C A |
| (redacted) | 304720384 (redacted) | 06/02/2025 | Compliance | Prepayment Penalty Not Allowed | PPP 0002 | 2 | 1 | Closed | (redacted) Month Prepayment Penalty Term < (redacted) Month Required. | 06/12/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; Verified housing payment history - Credit report reflects (redacted) open mortgage and (redacted) open Home Equity Loan satisfactorily rated (redacted) months.; | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; Verified housing payment history - Credit report reflects (redacted) open mortgage and (redacted) open Home Equity Loan satisfactorily rated (redacted) months.; | TPR Error - Matrix allows for No PPP or Prepay Period up to a (redacted) Year term. - 06/02/2025 EV2/B - Investor lock confirmation evidences acknowledgement for the exception to guidelines (pg 712). | Funded C A |
| (redacted) | 304715455 (redacted) | 06/10/2025 | Credit | Insufficient Verified Funds to Close | CRED 0016 | 3 | 1 | Closed | Missing final settlement statement / CD for recently refinanced REO. Loan proceeds were to be used to satisfy cash to close. | 06/11/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; Verified housing payment history - Credit report reflects (redacted) open mortgage satisfactorily rated (redacted) months.; | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; Verified housing payment history - Credit report reflects (redacted) open mortgage satisfactorily rated (redacted) months.; | Recd final CD concurrent refinance. - 06/11/2025 Recd final CD concurrent refinance, cash to borrower (redacted). | Funded C A |
| (redacted) | 304731047 (redacted) | 06/23/2025 | Credit | Missing Proof Judgement and/or Tax Lien Paid/Released | CRED 0024 | 3 | 1 | Closed | Missing evidence the judgments on title have been paid. Per the payoff, the balance is (redacted) including (redacted) to the city of (redacted) plus (redacted) attorney fees. Only the attorney fees of (redacted) was paid on the final ALTA settlement statement. ALTA does include a (redacted) payment for a water cert, unable to determine if this includes the payoff amount. | 07/08/2025 | Verified reserves - (redacted) months reserve. Borrower is receiving (redacted) months reserves from cash out proceeds.; |  | 07/08/2025 Recd ledger reflecting (redacted)held in escrow with email from title agent confirming the check was sent to borrower. - 07/08/2025 Recd ledger reflecting (redacted) held in escrow with email from title agent confirming the check was sent to borrower.<br> 07/07/2025 Recd email correspondence from title, The remaining balance is being refunded to the owner. <br> --Finding remains. Missing copy of refund check / wire transmittal.<br> 07/01/2025 Exception is partially cleared with the attached copy of the paid receipt to the (redacted). Hold back was for (redacted). Missing verification that the remaining funds were disbursed to borrower. <br> (NOTE: (redacted) fee (redacted) was paid at closing, not from escrow holdback).<br> 06/26/2025 Recd response from title, This is paid off, (redacted) was the holdback amount to pay the (redacted).<br>Missing evidence of payoff/release. | Funded C A |
| (redacted) | 304731278 (redacted) | 06/24/2025 | Compliance | File Documentation is Incomplete (Compliance) | COMP 0047 | 3 | 1 | Closed | Missing Entity Certificate signed by the borrowing guarantor, (redacted). Entity Certificate in file is only signed by the non-qualifying guarantor, (redacted). | 06/25/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; Verified housing payment history - Credit report reflects (redacted) open mortgage and (redacted) closed Home Equity Loan in repayment satisfactorily rated (redacted) and (redacted) months.; | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; Verified housing payment history - Credit report reflects (redacted) open mortgage and (redacted) closed Home Equity Loan in repayment satisfactorily rated (redacted) and (redacted) months.; | 06/25/2025 Recd entity certificate signed by the borrowing guarantor. - 06/25/2025 Recd entity certificate signed by the borrowing guarantor. | Funded C A |
| (redacted) | 304731278 (redacted) | 06/24/2025 | Credit | Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information | CRED 0103 | 3 | 1 | Closed | Missing revised evidence of insurance reflecting the loan number (redacted). EOI in file loan number, (redacted), is inaccurate. Also missing copy of the insurance policy evidencing (redacted) months rent loss coverage. EOI in file only reflects (redacted) days business income coverage. | 06/25/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; Verified housing payment history - Credit report reflects (redacted) open mortgage and (redacted) closed Home Equity Loan in repayment satisfactorily rated (redacted) and (redacted) months.; | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; Verified housing payment history - Credit report reflects (redacted) open mortgage and (redacted) closed Home Equity Loan in repayment satisfactorily rated (redacted) and (redacted) months.; | 06/25/2025 Recd screen shot from insurer confirming the correct loan number is associated with subject property.<br>Attached business coverage form (redacted)(b), We will only pay for loss of Business Income that you sustain during "period of restoration" and that occurs within (redacted) consecutive months after the date of direct physical loss or damage. We will only pay for ordinary payroll expenses for (redacted) days following the date of direct physical loss or damage, unless a greater number of days is shown in the Declarations. Policy Forms/Endorsements Applicable to Policy includes Business owners Coverage Form (redacted). - 06/25/2025 Recd screen shot from insurer confirming the correct loan number is associated with subject property.<br>Attached business coverage form pg 7 (b), We will only pay for loss of Business Income that you sustain during "period of restoration" and that occurs within 12 consecutive months after the date of direct physical loss or damage. We will only pay for ordinary payroll expenses for 60 days following the date of direct physical loss or damage, unless a greater number of days is shown in the Declarations. Policy Forms/Endorsements Applicable to Policy includes Business owners Coverage Form (BP 00 03 07 13). | Funded C A |
| (redacted) | 304731268 (redacted) | 06/24/2025 | Credit | LTV = >100% | CRED 0011 | 3 | 1 | Closed | The borrower purchased the subject property on (redacted) for (redacted), (redacted) days prior to the Note date (redacted). Per guidelines, when the subject was purchased less than (redacted) days prior to Note date the valuation will be based off the lesser of the Purchase Price + Documented Improvements or Appraised Value. No documented improvements in the file, using the purchase price of (redacted) and loan amount (redacted) the LTV is (redacted). Max LTV is (redacted) as the borrower is a first time investor (lease on subject began (redacted)). The borrower does not own their primary residence and the subject was their first time home purchase. | 07/01/2025 | Verified reserves - (redacted) months reserves required. Borrower is receiving (redacted) months reserves from cash out proceeds.; | Verified reserves - (redacted) months reserves required. Borrower is receiving (redacted) months reserves from cash out proceeds.; | 07/01/2025 Agree, loan was approved as a cash out refinance. Per guidelines there is no seasoning requirement for a cash-out refinance. - 07/01/2025 Agree, loan was approved as a cash out refinance. Per guidelines there is no seasoning requirement for a cash-out refinance. | Funded C A |
| (redacted) | 304731277 (redacted) |  | No Finding | No Finding |  |  | 1 | No Finding |  |  |  |  |  | Funded A |
| (redacted) | 304721806 (redacted) | 06/26/2025 | Compliance | Missing Mortgage Transaction Date | DEED 0003 | 3 | 1 | Closed | Missing notary page that was to be affixed to the Mortgage. Mortgage is stamped, see attached (redacted) compliant notary certificate. | 06/30/2025 | Verified housing payment history - Credit report reflects (redacted) open mortgage satisfactorily rated (redacted) months.; Verified reserves - (redacted) Months Verified Reserves > (redacted) Months Required.; | Verified housing payment history - Credit report reflects (redacted) open mortgage satisfactorily rated (redacted) months.; Verified reserves - (redacted) Months Verified Reserves > (redacted) Months Required.; | 06/30/2025 Recd complete copy of the Mortgage with notary page and all exhibits and riders. - 06/30/2025 Recd complete copy of the Mortgage with notary page and all exhibits and riders. | Funded C A |
| (redacted) | 304725154 (redacted) | 06/30/2025 | Property | Missing Estimated Replacement Cost New for Property | APPR 0022 | 3 | 1 | Closed | Missing replacement cost estimator for subject property, (redacted). RCE in file for address (redacted) is not for subject property. | 07/08/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; Verified housing payment history - Guarantor (redacted) credit report reflects (redacted) open mortgages satisfactorily rated (redacted) months. Guarantor (redacted) credit report reflects (redacted) open Home Equity Loan satisfactorily rated (redacted) months.; | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; Verified housing payment history - Guarantor (redacted) credit report reflects (redacted) open mortgages satisfactorily rated (redacted) months. Guarantor (redacted) credit report reflects (redacted) open Home Equity Loan satisfactorily rated (redacted) months.; | 07/08/2025 Recd RCE. NOTE: Coverage > Note Amount. - 07/08/2025 Recd RCE. NOTE: Coverage > Note Amount. | Funded C A |
| (redacted) | 304732742 (redacted) |  | No Finding | No Finding |  |  | 1 | No Finding |  |  |  |  |  | Funded A |
| (redacted) | 304734104 (redacted) | 07/01/2025 | Compliance | Flood Notice Was Not Provided to Applicant(s) | FLOOD 0001 | 2 | 2 | Acknowledged | Missing evidence the borrower was provided a copy of the Notice of Special Flood Hazard. Flood zone is AE. |  | Verified reserves - (redacted) months reserves or (redacted) required. (redacted) months reserves or (redacted) received from cash out proceeds.; | Verified reserves - (redacted) months reserves or (redacted) required. (redacted) months reserves or (redacted) received from cash out proceeds.; | Client: 07/01/2025 EV2/B - Investor Acknowledged Exception. | Funded B |
| (redacted) | 304729167 (redacted) |  | No Finding | No Finding |  |  | 1 | No Finding |  |  |  |  |  | Funded A |
| (redacted) | 304734561 (redacted) | 07/23/2025 | Credit | Missing evidence of property management experience | CRED 0039 | 3 | 1 | Closed | Missing evidence of prior property management experience. DSCR program is designed for experienced real estate investors who are seeking to purchase or refinance non-owner-occupied investment properties held for business purposes. The subject property owned for (redacted) months is vacant. B1 does not own primary residence. B1/B2 have no other REO besides subject and B2 primary residence. --Per guidelines, First Time Investors must own a primary residence. | 07/25/2025 | Verified credit history - (redacted) Middle Credit Scores > (redacted) Minimum Required.; Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; Verified reserves - (redacted) Months Verified PITI Reserves > (redacted) Months Required.; | Verified credit history - (redacted) Middle Credit Scores > (redacted) Minimum Required.; Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; Verified reserves - (redacted) Months Verified PITI Reserves > (redacted) Months Required.; | 07/25/2025 - Guideline does not specify if one or all borrower first time investors must own primary residence. Recd response from investor, Given one of the borrowers has experience, we are okay clearing this one. - 07/25/2025 Guideline does not specify if one or all borrower first time investors must own primary residence. Recd response from investor, Given one of the borrowers has experience, we are okay clearing this one.<br>07/24/2025 Escalated to investor for review for clarification of interpretation of guideline requirements. | Funded C A |
| (redacted) | 304729168 (redacted) | 07/24/2025 | Credit | Missing Schedule of Real Estate Owned | APP 0005 | 3 | 2 | Acknowledged | 1003/Application does not reflect REO from concurrent transaction, (redacted). Although the properties are held in the name of a different (redacted) the qualifying guarantor is the same. --Per guidelines, All properties owned must be listed on Schedule of RE. | 1003/Application does not reflect REO from concurrent transaction, (redacted). Although the properties are held in the name of a different (redacted) the qualifying guarantor is the same. --Per guidelines, All properties owned must be listed on Schedule of RE. | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report reflects (redacted) open mortgage satisfactorily rated (redacted) months.; Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report reflects (redacted) open mortgage satisfactorily rated (redacted) months.; Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; | 07/29/2025 EV2/B - Recd post-consummation dated 1003 with complete REO schedule. Also included are VOM's for the REO evidencing satisfactory mortgage ratings. | Funded C B |
| (redacted) | 304729165 (redacted) | 07/24/2025 | Credit | Missing Schedule of Real Estate Owned | APP 0005 | 3 | 2 | Acknowledged | (redacted)/Application does not reflect REO from concurrent transaction (redacted), or (redacted). Although the properties are held in the name of a different (redacted) the qualifying guarantor is the same. --Per guidelines, All properties owned must be listed on Schedule of RE. | (redacted)/Application does not reflect REO from concurrent transaction (redacted), or (redacted). Although the properties are held in the name of a different (redacted) the qualifying guarantor is the same. --Per guidelines, All properties owned must be listed on Schedule of RE. | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report reflects (redacted) open Mortgage satisfactorily rated (redacted) months.; Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report reflects (redacted) open Mortgage satisfactorily rated (redacted) months.; Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; | 07/29/2025 EV2/B - Recd updated 1003 with complete REO schedule. | Funded C B |
| (redacted) | 304729165 (redacted) | 07/24/2025 | Credit | Credit Documentation is Insufficient | CRED 0093 | 3 | 1 | Closed | Missing VOM for non-subject REO: (redacted). Per guidelines, Credit Eligibility: (redacted) on all owned real estate. | 07/29/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report reflects (redacted) open Mortgage satisfactorily rated (redacted) months.; Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report reflects (redacted) open Mortgage satisfactorily rated (redacted) months.; Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; | 07/29/2025 Recd VOM's for additional REO. - 07/29/2025 Recd VOM's for additional REO. | Funded C A |
| (redacted) | 304728683 (redacted) | 07/25/2025 | Compliance | Missing Final HUD-1 | HUD 0001 | 4 | 1 | Closed | Missing final settlement statement / closing disclosure for subject transaction. Settlement statement in file is marked estimated. | 07/29/2025 | Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report reflects (redacted) open mortgages satisfactorily rated (redacted) months.; Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; | Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report reflects (redacted) open mortgages satisfactorily rated (redacted) months.; Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; | 07/29/2025 Recd final settlement statement. - 07/29/2025 Recd final settlement statement. | Funded D A |
| (redacted) | 304728683 (redacted) | 07/25/2025 | Credit | Insufficient Verified Funds to Close | CRED 0016 | 3 | 1 | Closed | Missing evidence of release of exchange funds for cash to close. Estimated settlement statement does not evidence receipt of funds to title from the (redacted). | 07/29/2025 | Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report reflects (redacted) open mortgages satisfactorily rated (redacted) months.; Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; | Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report reflects (redacted) open mortgages satisfactorily rated (redacted) months.; Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; | 07/29/2025 Refer to CRED 0017 presentment. Recd wire receipt for cash to close of (redacted) from exchange (redacted). - 07/29/2025 Refer to CRED 0017 presentment. Recd wire receipt for cash to close of (redacted) from exchange (redacted). | Funded C A |
| (redacted) | 304728683 (redacted) | 07/25/2025 | Credit | Asset Documentation is Insufficient | CRED 0083 | 3 | 1 | Closed | Missing complete (redacted) package. The following documentation is missing:<br>Sales agreement for the relinquished property<br>Agreement with a (redacted)<br>Settlement Statement for relinquished property | 08/05/2025 | Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report reflects (redacted) open mortgages satisfactorily rated (redacted) months.; Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; | Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report reflects (redacted) open mortgages satisfactorily rated (redacted) months.; Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; | 08/05/2025 Final Settlement Statement for relinquished property provided. Finding cleared. - 08/05/2025 Final Settlement Statement for relinquished property provided. Finding cleared.<br>08/04/2025 Sales contract from the relinquished property received.<br>\*\* Fining remains, Missing copy of the 1031 Exchange Agreement and a copy of the settlement statement for the relinquished property. | Funded C A |
| (redacted) | 304728683 (redacted) | 07/25/2025 | Credit | Insufficient Verified Reserves (Number of Months) | CRED 0017 | 3 | 1 | Closed | No documented reserves in file. (redacted) months reserves required. Exchange funds > cash to close for replacement property. No evidence that excess funds were released to borrowers.--Per guidelines, (redacted) proceeds are only eligible as funds to close on an investment property purchase transaction. | 08/04/2025 | Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report reflects (redacted) open mortgages satisfactorily rated (redacted) months.; Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; | Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report reflects (redacted) open mortgages satisfactorily rated (redacted) months.; Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; | 08/04/2025 Blend VOD received. With the verification of additional assets the reserves requirement have been met. - 08/04/2025 Blend VOD received. With the verification of additional assets the reserves requirement have been met.<br> 07/30/2025 Missing (redacted) months documented reserves. Per guidelines, (redacted) proceeds are only eligible as funds to close on an investment property purchase transaction.<br> 07/29/2025 Recd wire receipt for cash to close of (redacted) from exchange (redacted). -- Finding remains. Missing (redacted) months documented reserves. No evidence of excess exchange funds being released to borrowers. Per guidelines, (redacted) proceeds are only eligible as funds to close on an investment property purchase transaction. | Funded C A |
| (redacted) | 304758225 (redacted) |  | No Finding | No Finding |  |  | 1 | No Finding |  |  |  |  |  | Funded A |
| (redacted) | 304729166 (redacted) |  | No Finding | No Finding |  |  | 1 | No Finding |  |  |  |  |  | Funded A |
| (redacted) | 304751882 (redacted) |  | No Finding | No Finding |  |  | 1 | No Finding |  |  |  |  |  | Funded A |
| (redacted) | 304756732 (redacted) |  | No Finding | No Finding |  |  | 1 | No Finding |  |  |  |  |  | Funded A |
| (redacted) | 304776838 (redacted) |  | No Finding | No Finding |  |  | 1 | No Finding |  |  |  |  |  | Funded A |

---

## Exhibit 99.24

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.24**

---

| | | | | |
|:---|:---|:---|:---|:---|
| JPM Loan ID | Initial Overall Event Level | Final Overall Event Level | Originator QM/ATR Status | TPR QM/ATR Status |
| 304643276 (redacted) | 3 | 1 C A | 3 | Not Covered / Exempt (redacted) |
| 304684409 (redacted) | 4 | 1 D C A | 3 | Not Covered / Exempt (redacted) |
| 304699188 (redacted) | 3 | 1 C A | 3 | Not Covered / Exempt (redacted) |
| 304684820 (redacted) | 3 | 2 C A B | 3 | Non-QM / Compliant (redacted) |
| 304691423 (redacted) | 3 | 1 C A | 1 | Not Covered / Exempt (redacted) |
| 304699164 (redacted) | 3 | 1 C A | 1 | Not Covered / Exempt (redacted) |
| 304715267 (redacted) | 3 | 1 C A | 3 | Not Covered / Exempt (redacted) |
| 304707145 (redacted) | 3 | 2 C A B | 1 | Not Covered / Exempt (redacted) |
| 304720384 (redacted) | 3 | 1 C A | 3 | Not Covered / Exempt (redacted) |
| 304715455 (redacted) | 3 | 1 C A | 1 | Not Covered / Exempt (redacted) |
| 304731047 (redacted) | 3 | 1 C A | 3 | Not Covered / Exempt (redacted) |
| 304731278 (redacted) | 3 | 1 C A | 3 | Not Covered / Exempt (redacted) |
| 304731268 (redacted) | 3 | 1 C A | 3 | Not Covered / Exempt (redacted) |
| 304731277 (redacted) | 1 | 1 A | 3 | Not Covered / Exempt (redacted) |
| 304721806 (redacted) | 3 | 1 C A | 1 | Not Covered / Exempt (redacted) |
| 304725154 (redacted) | 3 | 1 C A | 3 | Not Covered / Exempt (redacted) |
| 304732742 (redacted) | 1 | 1 A | 3 | Not Covered / Exempt (redacted) |
| 304734104 (redacted) | 2 | 2 B A | 3 | Not Covered / Exempt (redacted) |
| 304729167 (redacted) | 1 | 1 A | 1 | Not Covered / Exempt (redacted) |
| 304734561 (redacted) | 3 | 1 C A | 1 | Not Covered / Exempt (redacted) |
| 304729168 (redacted) | 3 | 2 C A B | 1 | Not Covered / Exempt (redacted) |
| 304729165 (redacted) | 3 | 2 C A B | 1 | Not Covered / Exempt (redacted) |
| 304728683 (redacted) | 4 | 1 D C A | 1 | Not Covered / Exempt (redacted) |
| 304758225 (redacted) | 1 | 1 A | 1 | Not Covered / Exempt (redacted) |
| 304729166 (redacted) | 1 | 1 A | 1 | Not Covered / Exempt (redacted) |
| 304751882 (redacted) | 1 | 1 A | 1 | Not Covered / Exempt (redacted) |
| 304756732 (redacted) | 1 | 1 A | 1 | Not Covered / Exempt (redacted) |
| 304776838 (redacted) | 1 | 1 A | 1 | Not Covered / Exempt (redacted) |

---

## Exhibit 99.25

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.25**

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** |  |  |  |
| **Seller Loan ID** | **Purchaser Loan ID** | **Sales Price** | **Appraisal Waiver Form** | **Property Inspection Waiver** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Valuation Comments** | **Collateral Underwriter Risk Score** | **Loan Collateral Advisor Risk Score** |
| **Seller Loan ID** | **Purchaser Loan ID** | **Sales Price** | **Appraisal Waiver Form** | **Property Inspection Waiver** | **Variance(%)** | **Confidence Score of AVM** | **AVM Product Name** | **Variance Amount** | **Variance(%)** | **Valuation Comments** | **Collateral Underwriter Risk Score** | **Loan Collateral Advisor Risk Score** |
| (redacted) | 304643276 (redacted) | (redacted) | No | No (redacted) |  |  |  |  |  |  | 1.2 |  |
| (redacted) | 304684409 (redacted) | 0.00 | No | No (redacted) |  |  | (redacted) | 0.00 | 0.00% (redacted) |  | 2.8 |  |
| (redacted) | 304699188 (redacted) | (redacted) | No | No (redacted) |  |  |  |  |  |  | 1 |  |
| (redacted) | 304684820 (redacted) | (redacted) | No | No (redacted) |  |  | (redacted) | 0.00 | 0.00% (redacted) |  | 1.2 |  |
| (redacted) | 304691423 (redacted) | 0.00 | No | No (redacted) |  |  |  |  |  |  | 1 |  |
| (redacted) | 304699164 (redacted) | 0.00 | No | No (redacted) |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |
| (redacted) | 304715267 (redacted) | 0.00 | No | No (redacted) |  |  |  |  |  |  | 1 |  |
| (redacted) | 304707145 (redacted) | 0.00 | No | No (redacted) |  |  |  |  |  |  | 1 | 1.5 |
| (redacted) | 304720384 (redacted) | 0.00 | No | No (redacted) |  |  |  |  |  |  | 2.2 |  |
| (redacted) | 304715455 (redacted) | (redacted) | No | No (redacted) |  |  |  |  |  |  | 1.5 | 3 |
| (redacted) | 304731047 (redacted) | 0.00 | No | No (redacted) |  |  | (redacted) | 0.00 | 0.00% (redacted) |  | 1.2 |  |
| (redacted) | 304731278 (redacted) | 0.00 | No | No (redacted) |  |  | (redacted) | 0.00 | 0.00% (redacted) |  | 2.7 |  |
| (redacted) | 304731268 (redacted) | 0.00 | No | No (redacted) |  |  |  |  |  |  | 1.5 |  |
| (redacted) | 304731277 (redacted) | 0.00 | No | No (redacted) |  |  | (redacted) | 0.00 | 0.00% (redacted) |  | 3.1 |  |
| (redacted) | 304721806 (redacted) | (redacted) | No | No (redacted) |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |
| (redacted) | 304725154 (redacted) | 0.00 | No | No (redacted) |  |  |  |  |  |  | 1 |  |
| (redacted) | 304732742 (redacted) | 0.00 | No | No (redacted) |  |  | (redacted) | 0.00 | 0.00% (redacted) | Subject was purchased (redacted) for (redacted). Acquisition to subject Note date is (redacted) days, or (redacted). As-is value can be used as this is greater than (redacted) days. There are invoices in the file, but these are for (redacted) not the subject (dated prior to acquisition). Appraiser notes kitchens, bathrooms updated in the past year and that it is updated. Photos support. |  |  |
| (redacted) | 304734104 (redacted) | 0.00 | No | No (redacted) |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |
| (redacted) | 304729167 (redacted) | 0.00 | No | No (redacted) |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |
| (redacted) | 304734561 (redacted) | 0.00 | No | No (redacted) | -25.00% (redacted) | 75 | (redacted) | (redacted) | -7.46% (redacted) |  | 3.2 |  |
| (redacted) | 304729168 (redacted) | 0.00 | No | No (redacted) |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |
| (redacted) | 304729165 (redacted) | 0.00 | No | No (redacted) |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |
| (redacted) | 304728683 (redacted) | (redacted) | No | No (redacted) |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |
| (redacted) | 304758225 (redacted) | 0.00 | No | No (redacted) |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |
| (redacted) | 304729166 (redacted) | 0.00 | No | No (redacted) |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |
| (redacted) | 304751882 (redacted) | (redacted) | No | No (redacted) |  |  | (redacted) | 0.00 | 0.00% (redacted) |  | 3.2 | 1 |
| (redacted) | 304756732 (redacted) | (redacted) | No | No (redacted) |  |  |  |  |  |  | 1 | 1 |
| (redacted) | 304776838 (redacted) | 0.00 | No | No (redacted) |  |  | (redacted) | 0.00 | 0.00% (redacted) |  | 4.6 |  |

---

## Exhibit 99.26

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.26**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| JPM Loan ID | Loan Status | Final Overall Event Level | Final Credit Event Level | Final Compliance Event Level | Final Property Event Level | Credit Exceptions | Compliance Exceptions | Property Exceptions | Compensating Factors | Immaterial/Waived | Lender Commentary | Cleared Exceptions | Exceptions |
| 304643276 (redacted) | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Credit report confirms (redacted) months satisfactory mortgage rating on (redacted) open mortgages.; Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; Verified reserves - (redacted) Months Verified PITI Reserves > (redacted) Months Required.; |  |  | GIDE 0001 Guideline Exception(s) - Missing Certificate of Good Standing, (redacted) (Good for (redacted) Days). - 03/06/2025 Certificate of Good Standing for (redacted) provided. Finding cleared.<br>|  |
| 304684409 (redacted) | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; Verified housing payment history; |  |  | HUD 0001 Missing Final HUD-1 - Missing final HUD/Settlement Statement/Closing Disclosure. Also missing is the closing instructions.<br>NOTE: Settlement statement is needed to verify:<br>1) Cash to borrower at closing, which was used to meet liquidity requirements<br>2) Hazard insurance premium paid at closing with escrow account established <br>3) Verify no loan proceeds were used for personal reasons - 04/08/2025 Recd closing instructions and settlement statement. Refer to new finding HUD 0028.<br>CRED 0089 Missing Required Fraud Tool - Missing background report on non-qualifying guarantor, (redacted), (redacted) owner of qualifying entity, (redacted).<br>Per guidelines - <br>Even though Non-Qualifying Guarantors are not acting as Qualifying Guarantors on the loan they must have an OFAC check performed. All Non-Qualifying Guarantors must have a clear OFAC. <br>Key Principals of the borrowing entity will require a full background report. <br>- 04/29/2025 Recd background report, (redacted); Foreclosure activity > (redacted) years, fed/state tax liens have been released except for state tax lien filed (redacted) (redacted) reflecting no amount, all other judgments/liens > (redacted) years, and (redacted) court/trial offenses that do not provide type or date of the offenses.<br>HUD 0028 Loan Disbursement Date and Interest From on HUD do not match - Recd final settlement statement, Interest From Date (redacted) does not match to the Disbursement Date of (redacted). - 04/30/2025 Closing instruction in file notate interest paid through (redacted) for (redacted) days as evidenced on final HUD. Finding cleared.<br>COMP 0047 File Documentation is Incomplete (Compliance) - Missing Certificate of Good Standing, (redacted). - 04/08/2025 Recd SOS confirming the entity is in good standing.<br>HAZ 0001 Missing Hazard Insurance Proof of Premium - Missing hazard insurance paid receipt, (redacted) with premium of (redacted). No settlement statement in file to confirm the premium was paid at closing (Refer to HUD 0001). - Recd settlement statement to evidence hazard insurance premium was paid at closing.<br>|  |
| 304699188 (redacted) | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; Verified housing payment history - Credit report reflects (redacted) open mortgages satisfactorily rated (redacted) months.; Verified reserves - (redacted) mths reserves verified.; |  |  | LEAS 0001 Missing Lease Agreement and/or Not Executed - Missing signed lease agreement subject property. Only rent increase letter provided in file. Lease was used for the qualifying DSCR calculation. - 05/16/2025 Executed lease for the subject received.<br>CRED 0016 Insufficient Verified Funds to Close - Missing documented assets sufficient to cover cash to close and (redacted) months reserves totaling (redacted):<br>Subject Cash to Close (redacted)<br>Concurrent Cash to Close (redacted) (Borrower is purchasing (redacted) properties form seller) <br>Subject Reserves x (redacted)<br>Documented Assets (redacted): <br>(redacted)<br>(redacted)<br>NOTE: Borrower completed a cash out refinance, (redacted), for cash in hand of (redacted) which was already in included in (redacted) - Copy of settlement statement from the refinance of (redacted) received. Proceeds to borrower are sufficient to cover funds required to close and (redacted) mths reserves.<br>|  |
| 304684820 (redacted) | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; Low DTI - Approved DTI (redacted) < (redacted) Max Allowed.; | GIDE 0001 Guideline Exception(s) - Missing investor acknowledgement for self-employment < (redacted) years required. Business registered (redacted)) as per (redacted). Borrower does not meet < (redacted) years restrictions due to missing prior employment verification and First Time Homebuyer., Compensating Factors: - EV2/B Recd additional post-consummation (redacted) for affiliated business.<br>--Review completed search on state department that confirms borrowers ownership (redacted) since (redacted), thus completing (redacted) months self-employment verification. UBI # matches self-employment business UBI#. Verified credit history<br>CRED 0035 Excessive Payment Shock - Payment Shock (redacted) > (redacted) Max Allowed FTHB.<br>Current Rent (redacted) <br>PITI (redacted) - 06/27/2025 EV2/B Investor Acknowledged Exception<br>CRED 0021 Missing Verification of Rental - Missing (redacted) months canceled checks (Landlord (redacted) / Rent (redacted)).<br>Per guidelines, A combined total of all late mortgage and rental payments in the past (redacted) months must be used to determine the housing history. For Private party landlords a VOR (or a copy of the current lease) will be required ALONG with (redacted) months cancelled<br>checks. - 06/26/2025 EV2/B - Investor Acknowledged Exception |  | FRAUD 0001 Fraud report alerts have not been addressed - Missing documentation used to confirm borrower has no ownership of (redacted). - 06/25/2025 Recd property profile to evidence borrower has no ownership of the potential undisclosed REO.<br>|  |
| 304691423 (redacted) | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; Verified reserves - (redacted) Months Verified Reserves > (redacted) Months Required.; |  |  | CRED 0093 Credit Documentation is Insufficient - Missing VOM, (address).<br>--Per guidelines, (redacted) on all owned real estate. - 05/20/2025 Recd Open Lien Report confirming no open liens. Review notes the original lien was recorded (redacted) in the amount of (redacted).<br>|  |
| 304699164 (redacted) | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Qualifying Credit Score (redacted) > (redacted) Min Required.; Verified housing payment history - Credit report reflects (redacted) open mortgages and (redacted) open HELOC satisfactorily rated(redacted) months.; |  |  | TIL 0021 Unable to determine Consumer or Business Purpose - Missing business purpose attestation. - 05/22/2025 Finding is cleared with the attached cash out letter confirming use of funds were to be used for business purpose.<br>|  |
| 304715267 (redacted) | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; |  |  | CRED 0026 Non-Arms Length Transaction - Missing investor acknowledgement for cash out refinance on subject property acquired under value via non-arms length transaction with no updates noted. <br>Guarantor acquired the subject property (redacted) (Recorded (redacted)) via non-arms length transaction, property was not listed and sold for (redacted) which is indicated to be under value. Current appraised value (redacted) with no updates noted (Site Value (redacted)). Guarantor received (redacted) cash in hand at closing. Guarantor appears to have been managing the property prior to acquisition as per the existing lease agreement.<br>- 06/05/2025 Investor confirms (redacted) as the applicable date since that is when the transaction factually occurred, thus using appraisal valuation for cash out and LTV purposes is deemed acceptable. No seasoning requirements for cash out transactions.<br>|  |
| 304707145 (redacted) | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified credit history - Qualifying Credit Score (redacted) > (redacted) Min Required.; Verified housing payment history - Credit report reflects (redacted) open mortgage and open HELOC satisfactorily rated (redacted) months.; Low LTV/CLTV/HCLTV - (redacted) LTV < 9redacted) Max Allowed.; | GIDE 0001 Guideline Exception(s) - (redacted) Month Prepayment Penalty Period < (redacted) Month Term Required. - EV2/B - Investor lock confirmation evidences acknowledgement of the exception to guidelines. |  |  |  |
| 304720384 (redacted) | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; Verified housing payment history - Credit report reflects (redacted) open mortgage and (redacted) open Home Equity Loan satisfactorily rated (redacted) months.; |  |  | INS 0001 Missing Sufficient Evidence of Insurance - Missing evidence of insurance reflecting (redacted) months rental loss coverage. Email form insurer indicates (redacted) months is included, but the insurance declaration page reflects (redacted) days. - 06/12/2025 Attached business coverage form (redacted) (b), We will only pay for loss of Business Income that you sustain during "period of restoration" and that occurs within (redacted) consecutive months after the date of direct physical loss or damage. We will only pay for ordinary payroll expenses for (redacted) days following the date of direct physical loss or damage, unless a greater number of days is shown in the Declarations. Policy Forms/Endorsements Applicable to Policy includes Businessowners Coverage Form (redacted).<br>CRED 0103 Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information - Evidence of insurance mortgage loan number, (redacted), is inaccurate. Actual loan number is (redacted). - 06/10/2025 Recd email correspondence from the insurer with snippet from their system reflecting correct loan number, (redacted), associated with subject property. Insurer indicates that there is a system issue causing the incorrect loan number to print on the EOI.<br>PPP 0002 Prepayment Penalty Not Allowed - (redacted) Month Prepayment Penalty Term < (redacted) Month Required. - TPR Error - Matrix allows for No PPP or Prepay Period up to a (redacted) Year term.<br>|  |
| 304715455 (redacted) | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; Verified housing payment history - Credit report reflects (redacted) open mortgage satisfactorily rated (redacted) months.; |  |  | CRED 0016 Insufficient Verified Funds to Close - Missing final settlement statement / CD for recently refinanced REO. Loan proceeds were to be used to satisfy cash to close. - Recd final CD concurrent refinance.<br>|  |
| 304731047 (redacted) | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - (redacted) months reserve. Borrower is receiving (redacted) months reserves from cash out proceeds.; |  |  | CRED 0024 Missing Proof Judgement and/or Tax Lien Paid/Released - Missing evidence the judgments on title have been paid. Per the payoff, the balance is (redacted) including (redacted) to the city of (redacted) plus (redacted) attorney fees. Only the attorney fees of (redacted) was paid on the final ALTA settlement statement. ALTA does include a (redacted) payment for a water cert, unable to determine if this includes the payoff amount. - 07/08/2025 Recd ledger reflecting (redacted)held in escrow with email from title agent confirming the check was sent to borrower.<br>|  |
| 304731278 (redacted) | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; Verified housing payment history - Credit report reflects (redacted) open mortgage and (redacted) closed Home Equity Loan in repayment satisfactorily rated (redacted) and (redacted) months.; |  |  | COMP 0047 File Documentation is Incomplete (Compliance) - Missing Entity Certificate signed by the borrowing guarantor, (redacted). Entity Certificate in file is only signed by the non-qualifying guarantor, (redacted). - 06/25/2025 Recd entity certificate signed by the borrowing guarantor.<br>CRED 0103 Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information - Missing revised evidence of insurance reflecting the loan number (redacted). EOI in file loan number, (redacted), is inaccurate. Also missing copy of the insurance policy evidencing (redacted) months rent loss coverage. EOI in file only reflects (redacted) days business income coverage. - 06/25/2025 Recd screen shot from insurer confirming the correct loan number is associated with subject property.<br>Attached business coverage form (redacted)(b), We will only pay for loss of Business Income that you sustain during "period of restoration" and that occurs within (redacted) consecutive months after the date of direct physical loss or damage. We will only pay for ordinary payroll expenses for (redacted) days following the date of direct physical loss or damage, unless a greater number of days is shown in the Declarations. Policy Forms/Endorsements Applicable to Policy includes Business owners Coverage Form (redacted).<br>|  |
| 304731268 (redacted) | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - (redacted) months reserves required. Borrower is receiving (redacted) months reserves from cash out proceeds.; |  |  | CRED 0011 LTV = >100% - The borrower purchased the subject property on (redacted) for (redacted), (redacted) days prior to the Note date (redacted). Per guidelines, when the subject was purchased less than (redacted) days prior to Note date the valuation will be based off the lesser of the Purchase Price + Documented Improvements or Appraised Value. No documented improvements in the file, using the purchase price of (redacted) and loan amount (redacted) the LTV is (redacted). Max LTV is (redacted) as the borrower is a first time investor (lease on subject began (redacted)). The borrower does not own their primary residence and the subject was their first time home purchase. - 07/01/2025 Agree, loan was approved as a cash out refinance. Per guidelines there is no seasoning requirement for a cash-out refinance. <br>|  |
| 304731277 (redacted) | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - (redacted) months reserves or (redacted) required. Borrower is receiving (redacted) or (redacted) months reserves from cash out proceeds.; |  |  |  |  |
| 304721806 (redacted) | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Credit report reflects (redacted) open mortgage satisfactorily rated (redacted) months.; Verified reserves - (redacted) Months Verified Reserves > (redacted) Months Required.; |  |  | DEED 0003 Missing Mortgage Transaction Date - Missing notary page that was to be affixed to the Mortgage. Mortgage is stamped, see attached (redacted) compliant notary certificate. - 06/30/2025 Recd complete copy of the Mortgage with notary page and all exhibits and riders.<br>|  |
| 304725154 (redacted) | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; Verified housing payment history - Guarantor (redacted) credit report reflects (redacted) open mortgages satisfactorily rated (redacted) months. Guarantor (redacted) credit report reflects (redacted) open Home Equity Loan satisfactorily rated (redacted) months.; |  |  | APPR 0022 Missing Estimated Replacement Cost New for Property - Missing replacement cost estimator for subject property, (redacted). RCE in file for address (redacted) is not for subject property. - 07/08/2025 Recd RCE. NOTE: Coverage > Note Amount.<br>|  |
| 304732742 (redacted) | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - FICO (redacted), minimum required (redacted); |  |  |  |  |
| 304734104 (redacted) | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified reserves - (redacted) months reserves or (redacted) required. (redacted) months reserves or (redacted) received from cash out proceeds.; | FLOOD 0001 Flood Notice Was Not Provided to Applicant(s) - Missing evidence the borrower was provided a copy of the Notice of Special Flood Hazard. Flood zone is AE. - 07/01/2025 EV2/B - Investor Acknowledged Exception. |  |  |  |
| 304729167 (redacted) | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; |  |  |  |  |
| 304734561 (redacted) | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - (redacted) Middle Credit Scores > (redacted) Minimum Required.; Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; Verified reserves - (redacted) Months Verified PITI Reserves > (redacted) Months Required.; |  |  | CRED 0039 Missing evidence of property management experience - Missing evidence of prior property management experience. DSCR program is designed for experienced real estate investors who are seeking to purchase or refinance non-owner-occupied investment properties held for business purposes. The subject property owned for (redacted) months is vacant. B1 does not own primary residence. B1/B2 have no other REO besides subject and B2 primary residence. --Per guidelines, First Time Investors must own a primary residence. - 07/25/2025 - Guideline does not specify if one or all borrower first time investors must own primary residence. Recd response from investor, Given one of the borrowers has experience, we are okay clearing this one.<br>|  |
| 304729168 (redacted) | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report reflects (redacted) open mortgage satisfactorily rated (redacted) months.; Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; | APP 0005 Missing Schedule of Real Estate Owned - 1003/Application does not reflect REO from concurrent transaction, (redacted). Although the properties are held in the name of a different (redacted) the qualifying guarantor is the same. --Per guidelines, All properties owned must be listed on Schedule of RE. - 07/29/2025 Here is the updated (redacted) and VOMs for (redacted). |  |  |  |
| 304729165 (redacted) | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report reflects (redacted) open Mortgage satisfactorily rated (redacted) months.; Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; | APP 0005 Missing Schedule of Real Estate Owned - (redacted)/Application does not reflect REO from concurrent transaction (redacted), or (redacted). Although the properties are held in the name of a different (redacted) the qualifying guarantor is the same. --Per guidelines, All properties owned must be listed on Schedule of RE. - 07/29/2025 borrower also has an additional property in different (redacted) that we are also getting to close : (redacted).<br>Please see property's added to (redacted) along with VOM's for both (redacted). |  | CRED 0093 Credit Documentation is Insufficient - Missing VOM for non-subject REO: (redacted). Per guidelines, Credit Eligibility: (redacted) on all owned real estate. - 07/29/2025 Recd VOM's for additional REO.<br>|  |
| 304728683 (redacted) | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report reflects (redacted) open mortgages satisfactorily rated (redacted) months.; Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; |  |  | CRED 0017 Insufficient Verified Reserves (Number of Months) - No documented reserves in file. (redacted) months reserves required. Exchange funds > cash to close for replacement property. No evidence that excess funds were released to borrowers.--Per guidelines, (redacted) proceeds are only eligible as funds to close on an investment property purchase transaction. - 08/04/2025 Blend VOD received. With the verification of additional assets the reserves requirement have been met.<br>HUD 0001 Missing Final HUD-1 - Missing final settlement statement / closing disclosure for subject transaction. Settlement statement in file is marked estimated. - 07/29/2025 Recd final settlement statement.<br>CRED 0016 Insufficient Verified Funds to Close - Missing evidence of release of exchange funds for cash to close. Estimated settlement statement does not evidence receipt of funds to title from the (redacted). - 07/29/2025 Refer to CRED 0017 presentment. Recd wire receipt for cash to close of (redacted) from exchange (redacted).<br>CRED 0083 Asset Documentation is Insufficient - Missing complete (redacted) package. The following documentation is missing:<br>Sales agreement for the relinquished property<br>Agreement with a (redacted)<br>Settlement Statement for relinquished property - 08/05/2025 Final Settlement Statement for relinquished property provided. Finding cleared.<br>|  |
| 304758225 (redacted) | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; Verified housing payment history - Credit report confirms (redacted) months satisfactory mortgage rating on non-subject REO.; |  |  |  |  |
| 304729166 (redacted) | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified credit history - Credit report reflects (redacted) open mortgage satisfactorily rated (redacted) months.; |  |  |  |  |
| 304751882 (redacted) | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - (redacted) months reserves or (redacted) required, (redacted) months reserves or (redacted) verified.; Verified credit history - FICO (redacted), minimum required (redacted); |  |  |  |  |
| 304756732 (redacted) | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - (redacted) fico w/a minimum requirement of (redacted).; Verified reserves - Borrower has more (redacted) mths of verified reserves w/a minimum requirement of (redacted).; |  |  |  |  |
| 304776838 (redacted) | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report reflects (redacted) open mortgages and (redacted) HELOC satisfactorily rated (redacted) months respectively.; Low LTV/CLTV/HCLTV - (redacted) CLTV < (redacted) Max Allowed.; Verified reserves - (redacted) Months Verified Reserves > (redacted) Months Required.; |  |  |  |  |

---

## Exhibit 99.27

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.27**

**EXECUTIVE SUMMARY**

JPMMT 2025-NQM4

**Overview**

Maxwell Diligence Solutions, LLC ("MaxDiligence"), a third-party diligence provider, performed certain due diligence services (the "Review") described below on non-conforming business purpose residential mortgage loans acquired by JPMorgan Chase Bank, National Association (the "Client").

The Review was conducted from May 2025 to August 2025 on mortgage loans (the "Loans") originated from April 2025 to July 2025. The Review consisted of 100% of the population of 15 loans with an original loan balance of $2,058,600.00.

**Scope of Review**

**Credit Review**

MaxDiligence 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 included the following (collectively, the "Credit Review"):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Review Initial & Final Application</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Check application for completeness. Determine whether the information in the preliminary Loan application, final application,
and all credit documents is consistent or reconciled.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate Social Security/Taxpayer Identification number is valid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Compare data on final form 1003 with the data from verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Form is complete, signed, dated, on or before loan consummation date, and NMLS is complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Review AUS Decision and Approval Conditions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Underwriting decision is supported (manual underwrite credit conditions have been satisfied prior to closing the approved Loan
package)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validation of income calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validation of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation of debt service coverage ratio ("DSCR") calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Validation of LTV calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Validation of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. DSCR Loans

![](ex9927001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review of hazard coverage and verification that sufficient coverage was in place on subject and all premiums were included
in DSCR calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Mortgage insurance certificate was in file, if applicable, and coverage was sufficient, and premium was included in DSCR calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review of rental income and/or market rents and validation of DSCR calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies address information associated with the borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Occupancy is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Occupancy Red flags adequately addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Reverification of Borrower Original and Audit Credit Report</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate names, social security number(s), and addresses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. "Doing business as" or "also known as" names investigated and cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate credit inquiries within 90 days have been properly addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Acceptable credit history and credit score requirements in conformance with applicable guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Reviews Fraud Report to compare vs loan documentation:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies address information associated with the Borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirms OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Reveals any potential bankruptcy filings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Review of Rental Income, and Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Rental
 Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare
 for conflicting information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check
 dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review
 rental income or DSCR by analyzing income documents and comparing against re-verification
 documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Leases,
 proof of rent received, third party market rent validation, as applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Proof
 of short-term rents received, as per guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 adequate funds to cover required down payment and closing costs and reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check
 dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sufficient
 funds were sourced and seasoned

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Gift
 funds verified and met guidelines

![](ex9927001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Confirm
 source of funds meet guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Review Sales Contract</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Complete and executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest money deposit verified

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Parties are consistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller contributions are within guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify sufficient coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify coverage is for subject

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate all premiums are included in housing payment and any required upfront premium is paid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Review Title Commitment/Policy</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Vesting correct

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Lien position

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Legal description

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validate no encumbrances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Review Closing Documents</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review security documents to ensure the Loan was closed in accordance with approval and with all required signatures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Correct and complete instruments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Closing disclosure or Settlement Statements

**Property Review**

MaxDiligence performed a "Property Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Property Review</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. MaxDiligence'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. MaxDiligence's review will include verifying the appraisal report:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. On the appropriate appraisal form:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. All elements of appraisal are present

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Ensure all applicable Loan documents match appraisal information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Property is acceptable collateral for Loan program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Completed by an appraiser that was actively licensed to perform the valuation

![](ex9927001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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, or if the appraisal was performed for another lender, the file contains a transfer letter from
the original lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. The original appraisal report is made and signed prior to the final approval of the mortgage loan application; Any revisions,
if made known to MaxDiligence, to the original report are documented and dated completed and dated within the guideline's
restrictions,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The original appraisal is 'As is' or Inspection received 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Determine whether the appraised value is supported at or within 10% variance based on a third-party valuation product. If a
third-party valuation product is in file but notes a variance above 10% or an inconclusive value, MaxDiligence recommended a BPO
or field review be ordered.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. With regard to the use of comparable properties, MaxDiligence's review will (a) reviewed the relative comparable data
(gross and net adjustments, sale dates and distance from subject property) and ensure that such comparable properties are within
standard appraisal guidelines; (b) confirmed the property value and square footage of the subject property was bracketed by comparable
properties, (c) verified that comparable properties used are similar in size, style, and location to the subject, and (d) checked
for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Other aspects of MaxDiligence's review included (i) verifying that the address matched the mortgage note, ((ii) if requested,
noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same,
(iii) confirming the appraisal report does not include any apparent environmental problems, (iv) confirming the appraisal notes
the current use of the property is legal or legal non-conforming (grandfathered), (v) 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 (vi) confirming that the value product
that was used as part of the origination decision conforms with rating agency requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If more than one valuation was provided, MaxDiligence will confirm consistency among the valuation products and if there are
discrepancies that could not be resolved, MaxDiligence created an exception, and work with the client on the next steps which may
include ordering of additional valuation products such as

![](ex9927001.jpg)

collateral desktop reviews, broker's price opinions, and full appraisals, if needed. If the property valuation products included in MaxDiligence's review result in a variance of more than 10% then the client was notified of such variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. MaxDiligence confirmed to the extent possible, that the appraiser and the appraisal made by such appraiser both satisfied the
requirements of Title XI of FIRREA. Specifically, MaxDiligence will review 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. In addition, MaxDiligence 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.

**Compliance Review**

Not applicable.

**Summary of Results**

**OVERALL RESULTS SUMMARY** 

The Guidelines listed below were used as a benchmark with respect to credit and property reviews for grading purposes. The loans were assigned an initial grade after the initial review. The final grade was determined after additional documentations were provided to satisfy outstanding conditions. When Guideline exceptions were provided, reviewers reviewed to ensure compensating factors were also provided and documented.

- FIMC Debt Service Coverage Ratio (DSCR) Non-QM Guidelines

- Northpoint Bank Expanded Portfolio (Non-QM) Guidelines

After giving consideration to the grading criteria of the relevant NRSROs, 100% of the loans received a grade "B" or higher with 86.67% of the pool receiving an Overall "A" grade.

**Final Loan Grades**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** | &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** | &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** |
| &nbsp;&nbsp;**Event Grade <br> Overall** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;13 | &nbsp;&nbsp;86.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;13.33% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

![](ex9927001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**15** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Event Grade <br> Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;13 | &nbsp;&nbsp;86.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;13.33% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**15** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Event Grade <br> Property** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**15** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Event Grade <br> Compliance** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**15** | &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 (i.e., a loan with a Credit Grade of "A", Compliance Grade of "B", and a Valuation Grade of "A" would receive an overall Loan Grade of "B").

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Exception <br> Type** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Credit &nbsp;&nbsp;A | &nbsp;&nbsp;Asset 1 Missing | &nbsp;&nbsp;1 |

---

![](ex9927001.jpg)

---

| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp;Asset 2 Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Asset 3 Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Asset 4 Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Asset 5 Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Business Purpose - Loan Guaranty/Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Cash reserves less than required by guidelines | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Corporation/LLC: Operating Agreement Doc is Missing | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;FEMA Declared Disaster Area Post Closing Review | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Gift Letter - Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Guarantor Resource Doc is Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;Income - Income Documentation Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Missing Business Purpose Affidavit | &nbsp;&nbsp;5 |
|  | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;4 |
|  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions*** | &nbsp;&nbsp;***25*** |
| &nbsp;&nbsp;Credit &nbsp;&nbsp;B | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Program Parameters - Guidelines Conformity | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions*** | &nbsp;&nbsp;***2*** |
| &nbsp;&nbsp;Property &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Doc - 3rd Party Valuation Product/Missing | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;Value - Value is supported within -10% of original appraisal amount | &nbsp;&nbsp;13 |
|  | &nbsp;&nbsp;***Total Property Grade (A) Exceptions*** | &nbsp;&nbsp;***15*** |
| &nbsp;&nbsp;Compliance &nbsp;&nbsp;A | &nbsp;&nbsp;Final CD: Prepayment Penalty is missing or inaccurate | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;No Compliance Tests Performed | &nbsp;&nbsp;13 |
|  | &nbsp;&nbsp;The Deed of Trust is Incomplete | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;The Final 1003 is Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions*** | &nbsp;&nbsp;***16*** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

As part of the Credit and Property Reviews, MaxDiligence captured data from the source documents and compared it to a data tape provided by Client. MaxDiligence provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by MaxDiligence during the diligence process.

Of the 15 Loans reviewed, 9 unique Loans (by loan count) had a total of 15 different tape discrepancies across 4 data fields (some Loans may have had more than one). A blank or zero value on the data tape when an actual value was captured by MaxDiligence was not treated as a data variance.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With <br> Discrepancy** | &nbsp;&nbsp;**Total Times <br> Compared** | &nbsp;&nbsp;**% Variance (by <br> possible <br> exceptions)** |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;5 | &nbsp;&nbsp;15 | &nbsp;&nbsp;33.33% |

---

![](ex9927001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;8 | &nbsp;&nbsp;15 | &nbsp;&nbsp;53.33% |
| &nbsp;&nbsp;Secondary Appraised Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;15 | &nbsp;&nbsp;6.67% |
| &nbsp;&nbsp;Total Monthly Property Insurance Amount | &nbsp;&nbsp;2 | &nbsp;&nbsp;15 | &nbsp;&nbsp;13.33% |

---

**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 rental 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. |

---

![](ex9927001.jpg)

C 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.

D 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 (desk reviews, 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, or other eligible forms based on lender/investor requirements. |
| &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, or other eligible forms based on lender/investor requirements. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.28

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.28**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Last Name** | **Property State** | **Occupancy** | **Purpose** | **Originator QM Status** | **TPR QM Status** | **Exception ID** | **Exception Number** | **Exception Date** | **Exception Type** | **Exception Subcategory** | **Exception** | **Exception Remedy** | **Rebuttal** | **TPR Response** | **Compensating Factors** | **Status Update Date** | **Finding Status** | **Initial Exception Grade** | **Final Exception Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| XXXXXX | 304759538 |  | XXXXXX | XXXXXX | XXXXXX | OH | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 1 of 3 | 2025-08-08 17:38 | Credit | Missing Business Purpose Affidavit | File is missing statement of business purpose. The Business Purpose Affidavit is missing pages XXXXXX. <br>|  | Please see attached for all pages of the Business Purpose Affidavit - 08/13/2025<br>| Please see attached for all pages of the Business Purpose Affidavit - 08/13/2025<br>|  | 2025-08-14 20:13 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304759538 |  | XXXXXX | XXXXXX | XXXXXX | OH | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 2 of 3 | 2025-08-08 18:55 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-08-08 18:55 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304759538 |  | XXXXXX | XXXXXX | XXXXXX | OH | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 3 of 3 | 2025-08-08 18:56 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-08-08 18:56 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304721799 |  | XXXXXX | XXXXXX | XXXXXX | WV | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 1 of 4 | 2025-07-18 11:53 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-07-18 11:53 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304721799 |  | XXXXXX | XXXXXX | XXXXXX | WV | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 2 of 4 | 2025-07-18 11:54 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-07-18 11:54 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304721799 |  | XXXXXX | XXXXXX | XXXXXX | WV | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 3 of 4 | 2025-07-19 15:03 | Credit | Missing Business Purpose Affidavit | File is missing statement of business purpose. Unable to located the Business Purpose and Occupancy Affidavit. Please provide the Business Purpose and Occupancy Affidavit. <br>|  | Business purpose aff - 07/23/2025<br>| Received - 07/24/2025<br>Business purpose aff - 07/23/2025<br>|  | 2025-07-24 15:10 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304721799 |  | XXXXXX | XXXXXX | XXXXXX | WV | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 4 of 4 | 2025-07-21 17:57 | Credit | Corporation/LLC: Operating Agreement Doc is Missing | The loan file does not contain the Corporation/LLC: Operating Agreement. Unable to locate the Operating Agreement and amendments for XXXXXX to confirm there has not been any percentage ownership changes in the 90 days preceding the application date. <br>|  | LLC docs - 07/23/2025<br>| Received satisfactory documentation - 07/24/2025<br>LLC docs - 07/23/2025<br>|  | 2025-07-24 15:09 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304707875 |  | XXXXXX | XXXXXX | XXXXXX | FL | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 1 of 4 | 2025-07-01 12:44 | Compliance | The Final 1003 is Missing | The final 1003 is missing. Unable to locate the final 1003 in the loan file. <br>|  | 1003 - 07/14/2025<br>| Received 1003 - 07/14/2025<br>1003 - 07/14/2025<br>|  | 2025-07-14 16:24 | Resolved | 3 | 1 | 4 | 1 |
| XXXXXX | 304707875 |  | XXXXXX | XXXXXX | XXXXXX | FL | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 2 of 4 | 2025-07-01 13:37 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-07-01 13:37 | Cleared | 1 | 1 | 4 | 1 |
| XXXXXX | 304707875 |  | XXXXXX | XXXXXX | XXXXXX | FL | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 3 of 4 | 2025-07-01 16:52 | Compliance | The Deed of Trust is Incomplete | The Deed of Trust is incomplete. The Purchase Money Mortgage is missing the date it was signed and notarized on page 21 of the aforementioned document. <br>|  |  | Document Uploaded. Received Scriveners - Error Affidavit from Notary. - 07/09/2025<br>|  | 2025-07-09 23:53 | Resolved | 4 | 1 | 4 | 1 |
| XXXXXX | 304707875 |  | XXXXXX | XXXXXX | XXXXXX | FL | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 4 of 4 | 2025-07-02 16:27 | Credit | FEMA Declared Disaster Area Post Closing Review | The subject property was located in a XXXXXX declared disaster area. Post closing property inspection report required.  |  | Exp - 07/12/2025<br>| Agree with Seller. XXXXXX occurred prior to Appraisal date. - 07/14/2025<br> Exp - 07/12/2025 |  | 2025-07-14 14:14 | Void | 3 |  | 4 | 1 |
| XXXXXX | 304693479 |  | XXXXXX | XXXXXX | XXXXXX | SC | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 1 of 11 | 2025-05-21 13:04 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-05-21 13:04 | Cleared | 1 | 1 | 3 | 2 |
| XXXXXX | 304693479 |  | XXXXXX | XXXXXX | XXXXXX | SC | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 2 of 11 | 2025-05-21 13:04 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-05-21 13:04 | Cleared | 1 | 1 | 3 | 2 |
| XXXXXX | 304693479 |  | XXXXXX | XXXXXX | XXXXXX | SC | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 3 of 11 | 2025-05-21 18:24 | Credit | Housing History Does Not Meet Guideline Requirements | Housing history does not meet guideline requirements. Unable to locate the formal exception for the borrower's housing history. Please provide the formal exception. <br>|  | Please see attached for exception approval - 06/02/2025<br>| Client elected to waive based on comp factors. - 06/06/2025<br> Received a copy of the email from XXXXXX, but missing a copy of the formal exception form. - 06/03/2025<br> Please see attached for exception approval - 06/02/2025 | 34% LTV, 797 fico, and 36 months of reserves | 2025-06-06 16:59 | Waived | 3 | 2 | 3 | 2 |
| XXXXXX | 304693479 |  | XXXXXX | XXXXXX | XXXXXX | SC | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 4 of 11 | 2025-05-21 18:52 | Credit | Asset 1 Missing | Asset documentation is missing from the file. Unable to locate two months bank statements for XXXXXX account XXXXXX. Please provide asset documentation verifying a balance of $XXXXXX. <br>|  | Please see attached XXXXXX assets - 06/02/2025 | Asset 1 Provided - 06/03/2025<br>Received satisfactory documentation - 06/03/2025<br>Please see attached Truist assets - 06/02/2025<br>|  | 2025-06-03 15:25 | Resolved | 3 | 1 | 3 | 2 |
| XXXXXX | 304693479 |  | XXXXXX | XXXXXX | XXXXXX | SC | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 5 of 11 | 2025-05-21 18:52 | Credit | Asset 2 Missing | Asset documentation is missing from the file. Unable to locate two months bank statements for XXXXXX account XXXXXX. Please provide asset documentation verifying a balance of $XXXXXX. <br>|  | Please see attached XXXXXX assets - 06/02/2025 | Asset 2 Provided Or Not Applicable - 06/03/2025<br> Received satisfactory documentation - 06/03/2025<br> Please see attached XXXXXX assets - 06/02/2025 |  | 2025-06-03 15:25 | Resolved | 3 | 1 | 3 | 2 |
| XXXXXX | 304693479 |  | XXXXXX | XXXXXX | XXXXXX | SC | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 6 of 11 | 2025-05-21 18:52 | Credit | Asset 3 Missing | Asset documentation is missing from the file. Unable to locate two months bank statements for XXXXXX account XXXXXX. Please provide asset documentation verifying a balance of $XXXXXX. <br>|  | Please see attached XXXXXX assets - 06/02/2025 | Asset 3 Provided Or Not Applicable - 06/03/2025<br> Received satisfactory documentation - 06/03/2025<br> Please see attached XXXXXX assets - 06/02/2025 |  | 2025-06-03 15:25 | Resolved | 3 | 1 | 3 | 2 |
| XXXXXX | 304693479 |  | XXXXXX | XXXXXX | XXXXXX | SC | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 7 of 11 | 2025-05-21 18:52 | Credit | Asset 4 Missing | Asset documentation is missing from the file. Unable to locate two months asset statements for XXXXXX Savings account XXXXXX. Please provide asset documentation verifying a balance of $XXXXXX. <br>|  | Please see attached XXXXXX assets - 06/02/2025 | Asset 4 Provided Or Not Applicable - 06/03/2025<br> Received satisfactory documentation - 06/03/2025<br> Please see attached XXXXXX assets - 06/02/2025 |  | 2025-06-03 15:25 | Resolved | 3 | 1 | 3 | 2 |
| XXXXXX | 304693479 |  | XXXXXX | XXXXXX | XXXXXX | SC | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 8 of 11 | 2025-05-21 18:52 | Credit | Asset 5 Missing | Asset documentation is missing from the file. Unable to locate two months asset statements for XXXXXX account XXXXXX. Please provide asset documentation verifying a balance of $XXXXXX. <br>|  | Please see attached XXXXXX assets - 06/02/2025 | Asset 5 Provided Or Not Applicable - 06/03/2025<br> Received satisfactory documentation - 06/03/2025<br> Please see attached XXXXXX assets - 06/02/2025 |  | 2025-06-03 15:25 | Resolved | 3 | 1 | 3 | 2 |
| XXXXXX | 304693479 |  | XXXXXX | XXXXXX | XXXXXX | SC | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 9 of 11 | 2025-05-21 18:54 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification does not meet guideline requirements. Unable to verify the source of the earnest money deposit for $XXXXXX. Please provide documentation to source these funds. <br>|  | Please see attached earnest money confirmation from title - 06/02/2025<br>| Asset Qualification Meets Guideline Requirements - 06/03/2025<br>Received satisfactory documentation - 06/03/2025<br>Please see attached earnest money confirmation from title - 06/02/2025<br>|  | 2025-06-03 15:25 | Resolved | 3 | 1 | 3 | 2 |
| XXXXXX | 304693479 |  | XXXXXX | XXXXXX | XXXXXX | SC | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 10 of 11 | 2025-05-21 19:10 | Credit | Missing Business Purpose Affidavit | File is missing statement of business purpose. Unable to locate the Business Purpose and Occupancy Affidavit. Please provide the signed Business Purpose and Occupancy Affidavit. <br>|  | Please see attached business purpose and non-owner occupancy affidavit - 06/02/2025<br>| Document received. - 06/03/2025<br>Please see attached business purpose and non-owner occupancy affidavit - 06/02/2025<br>|  | 2025-06-03 14:58 | Resolved | 3 | 1 | 3 | 2 |
| XXXXXX | 304693479 |  | XXXXXX | XXXXXX | XXXXXX | SC | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 11 of 11 | 2025-06-03 15:32 | Credit | Gift Letter - Missing | A required gift letter was missing from the file and/or the donor funds were not verified. The email for the exception indicates the borrower is receiving a gift of $XXXXXX. Please provide clarification. If the borrower received a gift, please provide the gift documentation as required per guidelines.  |  | The branch team confirmed the borrower was initially going to receive a gift, but ended up having enough of her own funds and did not proceed with receiving the gift. Could you please advise if that condition can be waived? Thank you! - 06/23/2025<br>| Correspondence from lender indicates the borrower never received a gift. - 06/24/2025<br>The branch team confirmed the borrower was initially going to receive a gift, but ended up having enough of her own funds and did not proceed with receiving the gift. Could you please advise if that condition can be waived? Thank you! - 06/23/2025<br>|  | 2025-06-24 13:31 | Resolved | 3 | 1 | 3 | 2 |
| XXXXXX | 304730246 |  | XXXXXX | XXXXXX | XXXXXX | MO | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 1 of 6 | 2025-07-10 17:11 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-07-10 17:11 | Cleared | 1 | 1 | 4 | 2 |
| XXXXXX | 304730246 |  | XXXXXX | XXXXXX | XXXXXX | MO | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 2 of 6 | 2025-07-10 17:12 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-07-11 13:12 | Cleared | 1 | 1 | 4 | 2 |
| XXXXXX | 304730246 |  | XXXXXX | XXXXXX | XXXXXX | MO | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 3 of 6 | 2025-07-11 12:45 | Credit | Corporation/LLC: Operating Agreement Doc is Missing | The loan file does not contain the Corporation/LLC: Operating Agreement. XXXXXX of XXXXXX and XXXXXX documentation not in file <br>|  | llc - 07/15/2025<br>| documentation meet requirements - 07/15/2025<br>llc - 07/15/2025<br>|  | 2025-07-15 16:28 | Resolved | 3 | 1 | 4 | 2 |
| XXXXXX | 304730246 |  | XXXXXX | XXXXXX | XXXXXX | MO | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 4 of 6 | 2025-07-11 12:46 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Could not locate exception in file for XXXXXX of XXXXXX is wholly owned by XXXXXX, which in turn is owned by the borrower and his spouse. Request is to allow vesting in XXXXXX of XXXXXX that is not owned by natural persons. <br>|  | exception approval - 07/18/2025 <br>llc - 07/15/2025<br>| Per guidelines-vesting in LLC owner of the LLC must be a natural person. Approval vesting in LLC that is owned by another LLC the borrower's has 100% ownership in. A formal (email) exception in file. - 07/18/2025<br>exception approval - 07/18/2025<br>Need that actual exception approval to be in file - 07/15/2025<br>llc - 07/15/2025<br>|  | 2025-07-18 15:30 | Waived | 3 | 2 | 4 | 2 |
| XXXXXX | 304730246 |  | XXXXXX | XXXXXX | XXXXXX | MO | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 5 of 6 | 2025-07-11 13:02 | Credit | Missing Business Purpose Affidavit | File is missing statement of business purpose. No business purpose or occupancy affidavit in file <br>|  | bus purpose affidavit - 07/15/2025<br>| documentation meet requirements - 07/15/2025<br>bus purpose affidavit - 07/15/2025<br>|  | 2025-07-15 16:26 | Resolved | 3 | 1 | 4 | 2 |
| XXXXXX | 304730246 |  | XXXXXX | XXXXXX | XXXXXX | MO | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 6 of 6 | 2025-07-11 13:06 | Credit | Business Purpose - Loan Guaranty/Missing | The Personal Loan Guaranty is missing. Missing letter of guaranty. Vesting in LLC <br>|  | all llc docs - 07/15/2025<br>| documentation meet requirements - 07/15/2025<br>all llc docs - 07/15/2025<br>|  | 2025-07-15 16:32 | Resolved | 4 | 1 | 4 | 2 |
| XXXXXX | 304700164 |  | XXXXXX | XXXXXX | XXXXXX | AR | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 1 of 3 | 2025-05-21 14:57 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-05-21 14:57 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304700164 |  | XXXXXX | XXXXXX | XXXXXX | AR | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 2 of 3 | 2025-05-21 14:57 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-05-21 14:57 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304700164 |  | XXXXXX | XXXXXX | XXXXXX | AR | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 3 of 3 | 2025-05-21 19:46 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-05-21 19:46 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304686658 |  | XXXXXX | XXXXXX | XXXXXX | OK | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 1 of 3 | 2025-07-03 16:53 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-07-03 16:53 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304686658 |  | XXXXXX | XXXXXX | XXXXXX | OK | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 2 of 3 | 2025-07-07 16:02 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-07-07 16:06 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304686658 |  | XXXXXX | XXXXXX | XXXXXX | OK | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 3 of 3 | 2025-07-07 16:06 | Compliance | Final CD: Prepayment Penalty is missing or inaccurate | Per LM calculation for PPP 6 mos int/36 mos/amt exceeds 20%(80% of opb) $2604 vs final CD has $3254 <br>|  | copy of refund check - 07/28/2025<br>| Received corrected CD, copy of check, proof of mailing. - 07/29/2025<br>copy of refund check - 07/28/2025<br>|  | 2025-07-29 13:51 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304490313 |  | XXXXXX | XXXXXX | XXXXXX | KY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 1 of 3 | 2025-06-14 13:28 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-06-14 13:28 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304490313 |  | XXXXXX | XXXXXX | XXXXXX | KY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 2 of 3 | 2025-06-14 13:28 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-06-14 13:28 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304490313 |  | XXXXXX | XXXXXX | XXXXXX | KY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 3 of 3 | 2025-06-16 21:05 | Credit | Housing History Does Not Meet Guideline Requirements | Housing history does not meet guideline requirements. Unable to locate a 12 month mortgage rating for the subject property. Please provide a 12 month payment history. <br>|  | Please see attached - 06/20/2025 <br>Rental/lease agreement - 06/17/2025<br>| Mortgage on subject property is not in borrower's name. Condition has been resolved. - 06/23/2025<br>Please see attached - 06/20/2025<br>Received a lease agreement, but missing a 12 month mortgage history to the private lender. Please provide a 12 month mortgage history or the Note verifying no monthly payments were required. - 06/18/2025<br>Rental/lease agreement - 06/17/2025<br>|  | 2025-06-23 14:07 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304717233 |  | XXXXXX | XXXXXX | XXXXXX | KY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 1 of 4 | 2025-06-25 19:46 | Property | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. Unable to locate an acceptable 3rd party valuation. XXXXXX SSR/CU rated over 2.50 which is insufficient to support subject property value. <br>|  | Please see attached - 06/26/2025<br>| Received XXXXXXwhich supported subject value. - 06/28/2025<br> Please see attached - 06/26/2025 |  | 2025-06-28 04:49 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304717233 |  | XXXXXX | XXXXXX | XXXXXX | KY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 2 of 4 | 2025-06-25 20:12 | Credit | FEMA Declared Disaster Area Post Closing Review | The subject property was located in a XXXXXX declared disaster area. Post closing property inspection report required.XXXXXX<br> Incident Period: XXXXXX<br> Major Disaster Declaration declared on XXXXXX<br>|  | Please see attached - 06/26/2025<br>| Received Catastrophic Disaster Area Property Inspection Report with no issues noted as it related to the most recent XXXXXX declared disaster XXXXXX. - 06/28/2025<br> No - 06/28/2025<br> Please see attached - 06/26/2025 |  | 2025-06-28 04:47 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304717233 |  | XXXXXX | XXXXXX | XXXXXX | KY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 3 of 4 | 2025-06-25 21:13 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-06-25 21:13 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304717233 |  | XXXXXX | XXXXXX | XXXXXX | KY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 4 of 4 | 2025-06-26 00:51 | Credit | Housing History Does Not Meet Guideline Requirements | Housing history does not meet guideline requirements. Provide proof the XXXXXX payments made to XXXXXX were made as agreed forXXXXXX #XXXXXX and XXXXXX #XXXXXX to support mortgage histories paid as agreed and current at close. <br>|  | See Credit Report and Servicing Printouts to show both loans have XXXXXX Payments made on time. - 06/30/2025 | Received evidence XXXXXX payments were made as agreed. - 07/01/2025<br> Housing history meets guideline requirements. - 07/01/2025<br> See Credit Report and Servicing Printouts to show both loans have XXXXXX Payments made on time. - 06/30/2025 |  | 2025-07-01 23:32 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304687168 |  | XXXXXX | XXXXXX | XXXXXX | FL | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 1 of 3 | 2025-05-13 16:41 | Credit | Income - Income Documentation Missing | The loan file did not contain the required income documentation. Business Narrative required <br>|  | Income is not being used - this is a DSCR loan. - 05/15/2025<br>| Narrative not required on DSCR loan, condition resolved. - 05/15/2025<br>Income is not being used - this is a DSCR loan. - 05/15/2025<br>|  | 2025-05-15 18:38 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304687168 |  | XXXXXX | XXXXXX | XXXXXX | FL | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 2 of 3 | 2025-05-13 16:41 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-05-13 16:41 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304687168 |  | XXXXXX | XXXXXX | XXXXXX | FL | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 3 of 3 | 2025-05-13 16:42 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-05-13 16:42 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304691347 |  | XXXXXX | XXXXXX | XXXXXX | FL | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 1 of 3 | 2025-06-01 13:59 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-06-01 13:59 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304691347 |  | XXXXXX | XXXXXX | XXXXXX | FL | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 2 of 3 | 2025-06-01 13:59 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-06-01 13:59 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304691347 |  | XXXXXX | XXXXXX | XXXXXX | FL | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 3 of 3 | 2025-06-01 13:59 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-06-01 13:59 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304691521 |  | XXXXXX | XXXXXX | XXXXXX | IN | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 1 of 3 | 2025-05-28 16:40 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-05-28 16:40 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304691521 |  | XXXXXX | XXXXXX | XXXXXX | IN | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 2 of 3 | 2025-05-28 16:41 | Credit | Guarantor Resource Doc is Missing | The loan file does not contain the Guarantor Resource documentation. Missing executed Guaranty Agreement for both borrowers. <br>|  | Guaranty agreement - 05/30/2025<br>| Received executed Guaranty Agreement. - 06/02/2025<br>Guaranty agreement - 05/30/2025<br>|  | 2025-06-02 14:58 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304691521 |  | XXXXXX | XXXXXX | XXXXXX | IN | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 3 of 3 | 2025-05-28 17:37 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-05-28 17:37 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304720391 |  | XXXXXX | XXXXXX | XXXXXX | IN | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 1 of 3 | 2025-07-29 12:20 | Credit | Cash reserves less than required by guidelines | Total Cash reserves of '$XXXXXX' are less than $0. Unable to locate any asset documentation in the loan file. Per the guidelines, cash out Can Not be used to satisfy the reserve requirement. <br>|  | account chek that verifies $XXXXXX - 08/13/2025 <br> XXXXXX Report - 08/11/2025 | Documentation provided is sufficient. - 08/14/2025<br> Total Cash reserves are greater than $0. - 08/14/2025<br> account chek that verifies $XXXXXX - 08/13/2025<br> XXXXXX Report - 08/11/2025 |  | 2025-08-14 14:51 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304720391 |  | XXXXXX | XXXXXX | XXXXXX | IN | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 2 of 3 | 2025-07-29 12:35 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-07-29 12:35 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304720391 |  | XXXXXX | XXXXXX | XXXXXX | IN | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 3 of 3 | 2025-07-29 12:36 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-07-29 12:36 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304729048 |  | XXXXXX | XXXXXX | XXXXXX | GA | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 1 of 3 | 2025-08-01 15:43 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-08-01 15:43 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304729048 |  | XXXXXX | XXXXXX | XXXXXX | GA | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 2 of 3 | 2025-08-01 15:43 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-08-01 15:43 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304729048 |  | XXXXXX | XXXXXX | XXXXXX | GA | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 3 of 3 | 2025-08-04 21:28 | Property | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. Per guidelines, A XXXXXX with accompanying MLS sheets ordered from XXXXXX is required to support the value of the appraisal. This document has been partially provided. Please provide all pages of the XXXXXX. <br>|  | XXXXXX - 08/06/2025 | Complete XXXXXX has been received - 08/10/2025<br> XXXXXX - 08/06/2025 |  | 2025-08-10 01:41 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304725142 |  | XXXXXX | XXXXXX | XXXXXX | TX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 1 of 3 | 2025-07-07 14:32 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-07-07 14:32 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304725142 |  | XXXXXX | XXXXXX | XXXXXX | TX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 2 of 3 | 2025-07-07 14:32 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-07-07 14:32 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304725142 |  | XXXXXX | XXXXXX | XXXXXX | TX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 3 of 3 | 2025-07-08 16:06 | Credit | Missing Business Purpose Affidavit | File is missing statement of business purpose. The Business Purpose and Non-Owner Occupancy Affidavit provided is blank. Please provide the completed copy. <br>|  | Business Purpose Affidavit - 07/10/2025<br>| Business Purpose and Non-Owner Occupancy Affidavit has been received. - 07/13/2025<br>Business Purpose Affidavit - 07/10/2025<br>|  | 2025-07-13 02:52 | Resolved | 3 | 1 | 3 | 1 |

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## Exhibit 99.29

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.29**

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| | |
|:---|:---|
| ![Picture](ex99-01.jpg) |  |
| Client | JPMMT 2025-NQM4 |
| Transaction | JPMMT 2025-NQM4 |
| Date | 09/29/2025 |

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| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Initial Loan Rating** | **Final Loan Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Valuation Rating** | **Final Valuation Rating** |
| XXXXXX | 304759538 |  | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXXXX | 304721799 |  | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXXXX | 304707875 |  | XXXXXX | XXXXXX | 4 | 1 | 3 | 1 | 4 | 1 | 1 | 1 D A |
| XXXXXX | 304693479 |  | XXXXXX | XXXXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXXXX | 304730246 |  | XXXXXX | XXXXXX | 4 | 2 | 4 | 2 | 1 | 1 | 1 | 1 D B A |
| XXXXXX | 304700164 |  | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXXXX | 304686658 |  | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXXXX | 304490313 |  | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXXXX | 304717233 |  | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A |
| XXXXXX | 304687168 |  | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXXXX | 304691347 |  | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXXXX | 304691521 |  | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXXXX | 304720391 |  | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXXXX | 304729048 |  | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A |
| XXXXXX | 304725142 |  | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |

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## Exhibit 99.30

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.30**

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXXXX |  | 304759538 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 75.0 | 75.0 | XXXXXX | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | .00 | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXXXX |
| XXXXXX |  | 304721799 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 75.0 | 75.0 | XXXXXX | .00 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXXX |
| XXXXXX |  | 304707875 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | .00 | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX |  | 304693479 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 34.48 | 34.48 | XXXXXX | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | .00 | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX |  | 304730246 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | .00 | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX |  | 304700164 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | .00 | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX |  | 304686658 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 54.19 | 54.19 | XXXXXX | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | .00 | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX |  | 304490313 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 78.84 | 78.84 | XXXXXX | .00 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXXX |
| XXXXXX |  | 304717233 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 77.01 | 77.01 | XXXXXX | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | .00 | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX |  | 304687168 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | .00 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXXX |
| XXXXXX |  | 304691347 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | .00 | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX |  | 304691521 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Small Residential Income Report | XXXXXX | 75.0 | 75.0 | XXXXXX | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | .00 | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX |  | 304720391 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 75.0 | 75.0 | XXXXXX | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | .00 | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX |  | 304729048 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | .00 | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXXXX Eligible | 1 | XXXXXX |
| XXXXXX |  | 304725142 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 27.37 | 27.37 | XXXXXX | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | .00 | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXXX |

---

## Exhibit 99.31

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.31**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXXXX |  | 304759538 | XXXXXX | Loan Type | XXXXXX | XXXXXX | DSCR loan per loan approval |
| XXXXXX |  | 304707875 | XXXXXX | Loan Type | XXXXXX | XXXXXX | Per Loan Approval |
| XXXXXX |  | 304707875 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | Per insurance policy |
| XXXXXX |  | 304707875 | XXXXXX | Calculated DSCR | XXXXXX | XXXXXX | Per 1008 |
| XXXXXX |  | 304700164 | XXXXXX | Loan Type | XXXXXX | XXXXXX | Loan documented as DSCR |
| XXXXXX |  | 304717233 | XXXXXX | Loan Type | XXXXXX | XXXXXX | Per Loan Approval DSCR loan |
| XXXXXX |  | 304717233 | XXXXXX | Calculated DSCR | XXXXXX | XXXXXX | Per documentation in file DSCR loan. |
| XXXXXX |  | 304687168 | XXXXXX | Calculated DSCR | XXXXXX | XXXXXX | Audit is in line with file documentation and 1008 in the file. |
| XXXXXX |  | 304691347 | XXXXXX | Loan Type | XXXXXX | XXXXXX | DSCR loan |
| XXXXXX |  | 304691521 | XXXXXX | Loan Type | XXXXXX | XXXXXX | Per 1008 DSCR loan |
| XXXXXX |  | 304691521 | XXXXXX | Calculated DSCR | XXXXXX | XXXXXX | Per 1008 provided DSCR loan |
| XXXXXX |  | 304729048 | XXXXXX | Loan Type | XXXXXX | XXXXXX | DSCR loan per approval |
| XXXXXX |  | 304729048 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | verified with insurance statement |
| XXXXXX |  | 304729048 | XXXXXX | Secondary Appraised Property Value | XXXXXX | XXXXXX | verified via source docs |
| XXXXXX |  | 304725142 | XXXXXX | Loan Type | XXXXXX | XXXXXX | verified with approval |
| XXXXXX |  | 304725142 | XXXXXX | Calculated DSCR | XXXXXX | XXXXXX | verified with income calculation worksheet |

---

## Exhibit 99.32

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.32**

![](ex9932001.jpg)

**Selene Diligence LLC ("Selene") Due <br> Diligence Review Narrative ("Report")**

Selene's Report, which is to be made available to the recipients by the Client, includes the loan level results of Selene's independent, third-party due diligence review conducted on behalf of the Client. The scope of review for these loans is as follows:

**DESCRIPTION OF SERVICES:**

&nbsp;&nbsp;&nbsp;&nbsp;**(1) Type of assets that were reviewed.**

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by JPMorgan Chase Bank, National Association (the "Client"). The review was conducted between December 27, 2024 and August 26, 2025 via files imaged and provided for review (the "Review").

&nbsp;&nbsp;&nbsp;&nbsp;**(2) Sample size of the assets reviewed.**

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 130 Non-QM loans and 55 ATR-QM exempt loans for a total of 185 loans (the "Final Securitization Population").

*<u>Credit Reviews (185):</u>*

During the Review, Selene performed a credit review on 185 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (185)</u>*

During the Review, Selene performed a compliance review on 185 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (185):</u>*

During the Review, Selene performed a property valuation review on 185 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (185):</u>*

During the Review, Selene performed a Data Integrity Review on 185 mortgage loans in the Final Securitization Population.

*JPMMT 2025-NQM4 Executive Summary (Selene Diligence)*

![](ex9932001.jpg)

**<u>FINAL SECURITIZATION POPULATION</u>**

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 185 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;185 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;185 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;185 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;185 | &nbsp;&nbsp;100% |

---

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

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E.s, S&P Global Ratings ("S&P"), DBRS, Inc. ("DBRS"), Fitch Ratings, Inc. ("Fitch"), Moody's Investors Service, Inc. ("Moody's"), and Kroll Bond Rating Agency ("Kroll") (the "NRSRO(s)").

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

Where available, Selene compared the data fields on the bid tape provided by the Client to the data found in the actual loan file as captured by Selene. This information may not have been available for all mortgage loans.

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

Selene assessed the underwriting guidelines and compared the documentation in the loan file against the stated guidelines for adherence.

**<u>GUIDELINES</u>**

Choice Non-QM Underwriting Guidelines, Deephaven Wholesale Underwriting Guidelines, Deephaven Correspondent Underwriting Guidelines, LoanStream Core Guide, LoanStream One Guide, CV3 Financial Services Underwriting Procedures Manual, United Fidelity Funding Guidelines, West One Capital Residential Non-QM Program Guide, Easy Street Easy Rent DSCR Guidelines, ACC Underwriting Guidelines (collectively the "Guidelines")

**<u>LOAN GRADING</u>**

The Guidelines referenced above served as the benchmark for grading loans with respect to credit, compliance, underwriting, property valuation and data integrity. Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade considers additional information and supporting documentation that may have been provided by the originators to

*JPMMT 2025-NQM4 Executive Summary (Selene Diligence)*

![](ex9932001.jpg)

clear outstanding conditions. Selene's loan grading is solely based on Selene's independent assessment of all Guideline exceptions and compensating factors for each of the component reviews. Selene provided a comprehensive loan-level analysis that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades and sets forth compensating factors and waivers.

**<u>SCOPE OF REVIEW</u>**

Selene examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Selene relied on the accuracy of information contained in loan documentation provided to Selene (for more detail, please refer to Appendix A,B, and C, attached hereto).

**CREDIT REVIEW**

Selene's credit scope of review conducted on this transaction included the following elements:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Re-calculated
LTV, CLTV, income, liabilities and compared these against the Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Analyzed
 asset statements to determine whether funds to close and reserves were within the Guidelines;
 and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed
that credit scores (FICO) and credit histories were within the Guidelines.

**COMPLIANCE REVIEW**

Selene's compliance scope determined the presence and correct execution of required documents such as the promissory note and security instrument, with respect to the ATR-QM Exempt Loans. With respect to the Non-QM loans, Selene tested whether the mortgage loans comply with the Federal Truth in Lending Act, the Federal Real Estate Settlement Procedures Act, Sections 1098 and 1100A of Dodd Frank, Sections 1411 and 1412 of the Wall Street Reform and Consumer Protection Act, and the Equal Credit Opportunity Act. Please see Appendix B for additional information.

**PROPERTY VALUATION REVIEW**

Selene's Property Valuation scope of review conducted on this transaction included the following elements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Original Appraisal Assessment**

Selene reviewed the original appraisal provided to determine whether the original appraisal was complete, thorough and the original appraised value was reasonably supported.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Value Supported Analysis**

Selene applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third-party valuation product provided by the Client.

**DATA INTEGRITY REVIEW**

*JPMMT 2025-NQM4 Executive Summary (Selene Diligence)*

![](ex9932001.jpg)

Selene uploads tape data into its due diligence application and compares it to the actual documents provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape
data received from lender/client is stored in a secured FTP folder;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape
data is uploaded into the application;

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

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

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

Selene provided the Client with a copy of the initial loan level tape discrepancy report which shows the differences between the data received by the Client versus the data captured by Selene during the loan review.

**<u>SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW</u>**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs.

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 185 mortgage loans, (ii) a Compliance Review on 185 mortgage loans (iii) a Valuation Review on 185 mortgage loans, and (iv) a Data Integrity Review on 185 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**REVIEW RESULTS SUMMARY**

After review of the 185 mortgage loans; 132 mortgage loans had a rating grade of A, 53 mortgage loans had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;***Grades per loan (185 overall loans):*** | &nbsp;&nbsp;***Grades per loan (185 overall loans):*** | &nbsp;&nbsp;***Grades per loan (185 overall loans):*** | &nbsp;&nbsp;***Grades per loan (185 overall loans):*** | &nbsp;&nbsp;***Grades per loan (185 overall loans):*** | &nbsp;&nbsp;***Grades per loan (185 overall loans):*** | &nbsp;&nbsp;***Grades per loan (185 overall loans):*** | &nbsp;&nbsp;***Grades per loan (185 overall loans):*** | &nbsp;&nbsp;***Grades per loan (185 overall loans):*** | &nbsp;&nbsp;***Grades per loan (185 overall loans):*** | &nbsp;&nbsp;***Grades per loan (185 overall loans):*** | &nbsp;&nbsp;***Grades per loan (185 overall loans):*** |  |  |
| | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;55 | &nbsp;&nbsp;55 | &nbsp;&nbsp;55 | &nbsp;&nbsp;55 | &nbsp;&nbsp;55 | &nbsp;&nbsp;29.73% | &nbsp;&nbsp;A | &nbsp;&nbsp;132 | &nbsp;&nbsp;132 | &nbsp;&nbsp;132 | &nbsp;&nbsp;132 | &nbsp;&nbsp;132 | &nbsp;&nbsp;71.35% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;12 | &nbsp;&nbsp;12 | &nbsp;&nbsp;12 | &nbsp;&nbsp;12 | &nbsp;&nbsp;12 | &nbsp;&nbsp;6.49% | &nbsp;&nbsp;B | &nbsp;&nbsp;53 | &nbsp;&nbsp;53 | &nbsp;&nbsp;53 | &nbsp;&nbsp;53 | &nbsp;&nbsp;53 | &nbsp;&nbsp;28.65% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;29 | &nbsp;&nbsp;29 | &nbsp;&nbsp;29 | &nbsp;&nbsp;29 | &nbsp;&nbsp;29 | &nbsp;&nbsp;15.68% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;89 | &nbsp;&nbsp;89 | &nbsp;&nbsp;89 | &nbsp;&nbsp;89 | &nbsp;&nbsp;89 | &nbsp;&nbsp;48.11% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

*JPMMT 2025-NQM4 Executive Summary (Selene Diligence)*

![](ex9932001.jpg)

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;&nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;&nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;&nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;&nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;&nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;&nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;&nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;&nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;&nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;&nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** |  |  |  |
|  | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** |  | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** | &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;164 | &nbsp;&nbsp;164 | &nbsp;&nbsp;164 | &nbsp;&nbsp;164 | &nbsp;&nbsp;164 | &nbsp;&nbsp;88.65% | &nbsp;&nbsp;A | &nbsp;&nbsp;154 | &nbsp;&nbsp;154 | &nbsp;&nbsp;154 | &nbsp;&nbsp;154 | &nbsp;&nbsp;154 | &nbsp;&nbsp;83.24% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;21 | &nbsp;&nbsp;21 | &nbsp;&nbsp;21 | &nbsp;&nbsp;21 | &nbsp;&nbsp;21 | &nbsp;&nbsp;11.35% | &nbsp;&nbsp;B | &nbsp;&nbsp;31 | &nbsp;&nbsp;31 | &nbsp;&nbsp;31 | &nbsp;&nbsp;31 | &nbsp;&nbsp;31 | &nbsp;&nbsp;16.76% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
|  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |  |  |  |  |  |  |  |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** |  |  |  |  |  |  |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;181 | &nbsp;&nbsp;181 | &nbsp;&nbsp;181 | &nbsp;&nbsp;181 | &nbsp;&nbsp;181 | &nbsp;&nbsp;97.84% |  |  |  |  |  |  |  |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;2.16% |  |  |  |  |  |  |  |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |  |  |  |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |  |  |  |

---

**<u>REVIEW RESULTS SUMMARY (EXCEPTION LISTING)</u>**

Review of the Final Grading Summary (redacted) provides the exceptions in detail and the migration from the initial rating agency grade to the final rating agency grade, based on mitigation/resolution from the client.

*Disclaimer:* Please be advised that Selene 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 all applicable laws 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 Selene are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Selene is relying in reaching such findings.

Please be further advised that Selene does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Selene do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Selene. Information contained in any Selene 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

*JPMMT 2025-NQM4 Executive Summary (Selene Diligence)*

![](ex9932001.jpg)

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. Risk levels associated with a loan may have changed an exception level, given

rating agency published guidance, written guidance, or other guidance from the rating agency team on the transaction. 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 Selene 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 Selene 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. Selene does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Selene.

**<u>THIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

1. Selene
Due Diligence Narrative Report

2. ASF
Report

3. Grading
Summary

4. Exception
Detail

5. Tape
Discrepancies

6. Valuations
Report

7. Supplemental
Data

8. Third
Party (TPR) Attestation Form

9. Attestation
Form 15E

*JPMMT 2025-NQM4 Executive Summary (Selene Diligence)*

**APPENDIX A – CREDIT REVIEW SCOPE**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements that are provided to Selene 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, Selene verified whether:

&nbsp;&nbsp;&nbsp;&nbsp;1. The
 application is signed by all listed borrowers;

&nbsp;&nbsp;&nbsp;&nbsp;2. The
 application is substantially filled out; and

&nbsp;&nbsp;&nbsp;&nbsp;3. All
 known borrower-owned properties are disclosed on the Real Estate Owned section.

**Credit Report**

Selene verified:

&nbsp;&nbsp;&nbsp;&nbsp;1. A
 credit report and/or other credit history documentation is present for each borrower;

&nbsp;&nbsp;&nbsp;&nbsp;2. Capture
 the monthly consumer debt payments for use in the debt to income and/or residual income
 calculation, as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;3. Note
 the Real Estate Owned and fraud alerts; and

&nbsp;&nbsp;&nbsp;&nbsp;4. Gather
 data required for ASF Report submission which may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Most
 recent FICO Score (scores from Equifax, Experian, and Transunion if available)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Most
 recent FICO date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Longest
 Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Maximum
 Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Number
 of trade lines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Credit
 Usage Ratio

**Employment and Income**

Selene determined whether all applicable supporting documentation as required by the guidelines is in the file and note indications of potentially fraudulent documents. The documentation was also be used to verify whether the income used to qualify the loan was calculated in accordance with applicable guidelines. Documentation verifying employment and income may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verbal
 or Written VOE's

&nbsp;&nbsp;&nbsp;&nbsp;2. Pay
 stubs

&nbsp;&nbsp;&nbsp;&nbsp;3. W-2
 forms

&nbsp;&nbsp;&nbsp;&nbsp;4. Tax
 returns

&nbsp;&nbsp;&nbsp;&nbsp;5. Financial
 statements

&nbsp;&nbsp;&nbsp;&nbsp;6. Award
 letters

&nbsp;&nbsp;&nbsp;&nbsp;7. Bank
 statements

*JPMMT 2025-NQM4 Executive Summary (Selene Diligence)*

**Asset Review**

Selene assessed whether the asset documentation required by the guidelines is present in the file. In addition, a review of the reserve calculation was performed. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. VOD's

&nbsp;&nbsp;&nbsp;&nbsp;2. Depository
 account statements

&nbsp;&nbsp;&nbsp;&nbsp;3. Stock
 or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;4. Gift
 funds

&nbsp;&nbsp;&nbsp;&nbsp;5. Settlement
 statement or other evidence of conveyance and transfer of funds if a sale of assets was
 involved

**Hazard/Flood insurance** 

A review of the insurance present on the loan was also be performed:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verify
 that the hazard insurance meets the minimum required amount of coverage in the guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;2. For
 condominium properties, confirm that the blanket policy meets the minimum amount of coverage;

&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm
 that the flood cert is for the correct borrower, property, lender and loan number and
 is a "Life of Loan" certification;

&nbsp;&nbsp;&nbsp;&nbsp;4. For
 properties is in a flood zone per the flood cert, confirm that flood insurance in the
 file meets the minimum required amount of coverage and meets guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirm
 that the mortgagee clause lists the lender's name and "its successors and
 assigns"; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm
 that the premium amount on both the hazard and flood insurance match what was used in
 the DTI calculations.

**Title**

Verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower and review the Title Commitment for the disclosure issues.

**Fraud**

To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, when required, Selene looked for an independent, third party fraud report in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan. If the loan does not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

On this Fraud report Selene:

&nbsp;&nbsp;&nbsp;&nbsp;1. Reviewed
 for any name variations for the borrowers and confirm that the variations have been addressed
 in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed
 for any social security number variations for the borrowers and confirm that the variations
 have been addressed in the loan file;

*JPMMT 2025-NQM4 Executive Summary (Selene Diligence)*

&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed
 for any potential occupancy issues based on the borrowers' address history and
 confirm that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;4. Reviewed
 for any employment issues and confirm that any issues have been addressed in the loan
 file;

&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed
 for any additional consumers associated with the borrowers' profiles and confirm
 the materiality and material issues have been addressed in the loan file; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed
 all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A
 review of the completeness and accuracy of the information obtained in the mortgage origination
 process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A
 review of closing documents to ensure that the mortgage file information is complete,
 accurate, and consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene
 will review the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification
 that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
 loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification
 that all borrowers are eligible based on the guidelines and information in the loan file;
 and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verify
 there is appropriate documentation present to confirm that applicable documents have
 been recorded or have been sent for recording.

*JPMMT 2025-NQM4 Executive Summary (Selene Diligence)*

**APPENDIX B – COMPLIANCE REVIEW SCOPE**

Selene reviewed the Non-QM loans to determine, as applicable, to the extent possible and/or applicable and subject to the caveats below, whether the loan complies with:

**1.** **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;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23):</u> 

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;

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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19):</u> 

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

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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty 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;&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Higher-priced Mortgage Loan (§1026.35):</u> 

i) APR threshold test; and <br> ii) compliance with the escrow account and appraisal requirements.

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

i) review relevant documentation to determine if compensation to a Loan Originator was based on a term of the transaction; <br> ii) review relevant document to determine if there was dual compensation; and <br> iii) review the presence of the mortgage loan option disclosure and to determine if the Steering

*JPMMT 2025-NQM4 Executive Summary (Selene Diligence)*

Safe Harbor provisions were satisfied.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note: Where available,
 Selene 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, Selene'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;&nbsp;&nbsp;&nbsp;&nbsp;g) <u>Homeownership counseling (§1026.36):</u> 

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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.

**2.** **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;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Good Faith Estimate (GFE) (§1024.7):</u> 

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;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8):</u> 

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;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7):</u> 

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

*JPMMT 2025-NQM4 Executive Summary (Selene Diligence)*

reimbursement was made and a revised HUD was provided at or within 30 days of settlement.

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

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;

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; and

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

**3.** **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> 

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 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;

v) confirm if the file indicates a fee was imposed, other than for a credit report, prior to borrower receiving LE and indicating an intent to proceed with the transaction;

vi) confirm that any written estimate of terms or costs provided prior to receipt of a LE contained the required disclosures;

vii) 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;

viii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

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

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

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

i) confirm the presence of CD for applications on or after October 3, 2015; <br> ii) confirm the borrower received CD at least three (3) business days prior to consummation, or

*JPMMT 2025-NQM4 Executive Summary (Selene Diligence)*

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 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;

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 Industry Group ("SFIG") has a working group that consists of industry participants including third party review providers and law firms who are discussing 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 SFIG industry group proposal.)

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

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

**4.** **Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act 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)); and

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

<u>General Ability to Repay</u>

Selene reviewed the applicable mortgage loans 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

*JPMMT 2025-NQM4 Executive Summary (Selene Diligence)*

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.

Selene reviewed the 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 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"). Selene 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. Selene's review is based on information contained in the mortgage loan file at the time it is provided to Selene to review, and only reflects information as of that point in time.

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

a) Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):

&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.

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

*JPMMT 2025-NQM4 Executive Summary (Selene Diligence)*

**APPENDIX C– VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified 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; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

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

○ Selene makes no representation or warranty as to the value of any mortgaged property, notwithstanding that Selene may have reviewed valuation information for reasonableness.

○ Selene is not an 'AMC' (appraisal management company) and therefore Selene does not opine on the actual value of the underlying property.

*JPMMT 2025-NQM4 Executive Summary (Selene Diligence)*

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

● Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

*JPMMT 2025-NQM4 Executive Summary (Selene Diligence)*

## Exhibit 99.33

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.33**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX |  | 304481881 | XXXX | Loan Program | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304481881 | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304481826 | XXXX | Loan Program | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304481921 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304481921 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304481790 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304481859 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304498121 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304493486 | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304493486 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304493458 | XXXX | Loan Program | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304493458 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304655035 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304655035 | XXXX | Mortgage Insurance Flag | mortgageInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 304655035 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 304655035 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 304643855 | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304643855 | XXXX | Vested Business Entity Name | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304498148 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304643751 | XXXX | Personal Guaranty | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 304668394 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304668394 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304639202 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304717858 | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304717858 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304717858 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304677248 | XXXX | Loan Program | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304677248 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304677248 | XXXX | Loan Purpose | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304677248 | XXXX | Prepayment Penalty Total Term | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304677248 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304684624 | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304684624 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304680562 | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304680562 | XXXX | Loan Amount | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304680562 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304680562 | XXXX | Initial Monthly P&I Or IO Payment | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304680562 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304680562 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304702022 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 304702022 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304685760 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304685760 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304701958 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304692882 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304692882 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304685765 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304685765 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304685765 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304692846 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304692846 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304692846 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304701957 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304701957 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304692847 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304692894 | XXXX | MIN No | deedOfTrustPage | XXXX | XXXX | XXXX |
| XXXX |  | 304701932 | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304692756 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304709142 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304709145 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304692781 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304692781 | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304692781 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304692781 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304692781 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304701905 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304701905 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304685768 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304692755 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304719854 | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304709123 | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304709123 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304709081 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304709157 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304709157 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304717847 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304692789 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304719911 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304719911 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304701945 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304709068 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX |  | 304709068 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304709068 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304717872 | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304692796 | XXXX | Borrower 2 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304692796 | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304692796 | XXXX | Borrower 2 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304692796 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304692796 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304701953 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304730953 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304730953 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304719850 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304692844 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304719794 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304719794 | XXXX | Borrower 2 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304719794 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX |  | 304719794 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304719794 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304730961 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304730961 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304719903 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304730942 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304719848 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304684617 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304735912 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304735912 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 304735912 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 304735912 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304735912 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304730956 | XXXX | Borrower 2 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304730956 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304730957 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304730946 | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304730946 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304730946 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304730923 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304734510 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304734720 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304734720 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304719808 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304719808 | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304725148 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304730964 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304719843 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304735896 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304735896 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 304735896 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 304735896 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304734721 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304730952 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304757440 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304757437 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304734525 | XXXX | Property City | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304757435 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304757435 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304727939 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304750529 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304750529 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304731335 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304728238 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304728238 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304728238 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304730937 | XXXX | Loan Amount | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304730937 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304730937 | XXXX | Initial Monthly P&I Or IO Payment | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304730917 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304757430 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX |  | 304757430 | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304757430 | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304757430 | XXXX | Lien Position | TitlePage | XXXX | XXXX | XXXX |
| XXXX |  | 304757430 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304757430 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304757431 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304735922 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304735922 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 304735922 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 304765997 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304812795 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304764055 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304812833 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 304757434 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304757434 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304818052 | XXXX | Mortgage Insurance Flag | disclosuresPage | XXXX | XXXX | XXXX |
| XXXX |  | 304818052 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |

---

## Exhibit 99.34

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.34**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | XXXX |  | 304481881 | Closed | 2025-01-05 18:34 | 2025-01-15 17:58 | Resolved | 1 - Information C A | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Resolved-Asset 5 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-01/16/2025 <br> Ready for Review-Document Uploaded. # XXXX Account Summary dated XXXX - XXXX with available balance of $ XXXX - Seller-01/15/2025 <br> Open-Asset 5 Does Not Meet Guideline Requirements Provide evidence of asset iao $ XXXX for account ending in XXXX. - Due Diligence Vendor-01/06/2025 | Ready for Review-Document Uploaded. # XXXX Account Summary dated XXXXwith available balance of $ XXXX - Seller-01/15/2025 | Resolved-Asset 5 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-01/16/2025<br>| &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304481881 | Closed | 2025-01-05 18:34 | 2025-01-15 17:58 | Resolved | 1 - Information C A | Credit | Assets | Asset 6 Does Not Meet Guideline Requirements | Resolved-Asset 6 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-01/16/2025 <br> Ready for Review-Document Uploaded. # XXXX account summary reflecting available Balance of $ XXXX - Seller-01/15/2025 <br> Open-Asset 6 Does Not Meet Guideline Requirements Provide evidence of asset iao $ XXXX for account ending in 07 XXXX - Due Diligence Vendor-01/06/2025 | Ready for Review-Document Uploaded. # XXXX account summary reflecting available Balance of $ XXXX - Seller-01/15/2025 | Resolved-Asset 6 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-01/16/2025<br>| &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304481881 | Closed | 2024-12-30 08:40 | 2025-01-15 17:55 | Resolved | 1 - Information B A | Credit | Doc Issue | Condo / PUD rider Missing | Resolved-PUD rider provided and updated to DOT page, resolved. - Due Diligence Vendor-01/16/2025 <br>Ready for Review-Document Uploaded. DOT with PUD Rider uploaded - Buyer-01/15/2025 <br>Open-Condo / PUD rider Missing PUD rider is not in file. Please provide the same. - Due Diligence Vendor-12/30/2024 |  | Resolved-PUD rider provided and updated to DOT page, resolved. - Due Diligence Vendor-01/16/2025<br>| &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304481881 | Closed | 2024-12-30 05:53 | 2025-01-15 17:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/16/2025 <br>Ready for Review-Document Uploaded. Gap Credit uploaded - Buyer-01/15/2025 <br>Open-Borrower 1 Gap Credit Report is Missing. Please provide the same. - Due Diligence Vendor-12/30/2024 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/16/2025<br>| &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304481881 | Closed | 2024-12-30 07:07 | 2025-01-15 17:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-01/16/2025 <br>Ready for Review-Document Uploaded. IDS - Buyer-01/15/2025 <br>Open-Borrower 1 Photo Identification Missing. Please provide valid photo identification per guideline requirements. Please provide valid photo identification per guideline requirements. - Due Diligence Vendor-12/30/2024 |  | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-01/16/2025<br>| &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304481881 | Closed | 2024-12-30 05:20 | 2025-01-09 03:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Required document Provided, Changes made in system, Finding resolved - Due Diligence Vendor-01/09/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/09/2025 <br>Ready for Review-Document Uploaded. attached - Buyer-01/08/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide Borrower 1 3rd Party VOE Prior to Close as it is missing. - Due Diligence Vendor-12/30/2024 |  | Resolved-Required document Provided, Changes made in system, Finding resolved - Due Diligence Vendor-01/09/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/09/2025<br>| &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304481971 | Closed | 2025-01-07 17:00 | 2025-01-14 12:25 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Acknowledged-Lender acknowledges XXXX - Due Diligence Vendor-01/14/2025 <br> Ready for Review-Can we move forward with downgrade and waiving - Buyer-01/13/2025 <br> Ready for Review-On this loan we have a finding for the missing anti-steering disclosure but that is not something we as the lender provide. Acknowledged. - Buyer-01/13/2025 <br> Open-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure. Please provide. - Due Diligence Vendor-01/08/2025 |  | Acknowledged-Lender acknowledges EV2 - Due Diligence Vendor-01/14/2025<br>|  |  |  | TN | Second Home | Purchase | NA | XXXX | Originator Post-Close | No |
| XXXX | XXXX |  | 304481826 | Closed | 2025-01-21 03:33 | 2025-01-21 04:59 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%). XXXX TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 363 and the Final Closing disclosure on Pg#344 reflects escrows. Rate lock date was entered correctly see Pg# 691 An interior and exterior appraisal was completed for this property – see Page#29 the appraisal disclosure was provided to the borrower(s)- see Pg# 29, and copy of the appraisal was given to the borrower see Pg# 518 for the copy of the disclosure. The loan meets XXXX guidelines - Due Diligence Vendor-01/21/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 363 and the Final Closing disclosure on Pg#344 reflects escrows. Rate lock date was entered correctly see Pg# 691 An interior and exterior appraisal was completed for this property – see Page#29 the appraisal disclosure was provided to the borrower(s)- see Pg# 29, and copy of the appraisal was given to the borrower see Pg# 518 for the copy of the disclosure. The loan meets XXXX guidelines - Due Diligence Vendor-01/21/2025 |  |  |  | FL | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304481921 | Closed | 2025-01-22 08:50 | 2025-02-07 10:10 | Resolved | 1 - Information C A | Credit | Eligibility | Business Entity EIN Number Missing | Resolved-Reviewed loan package and di not locate business tax returns. EIN updated to BPV2 age, resolved. - Due Diligence Vendor-02/07/2025 <br> Ready for Review-Document Uploaded. EIN shows on XXXX - Buyer-02/05/2025 <br> Counter-Please provide the document issued to the borrower with the EIN. - Due Diligence Vendor-02/05/2025 <br> Ready for Review-EIN is XXXX - Buyer-02/03/2025 <br> Open-Missing EIN for business entity - Due Diligence Vendor-01/22/2025 |  | Resolved-Reviewed loan package and di not locate business tax returns. EIN updated to BPV2 age, resolved. - Due Diligence Vendor-02/07/2025<br>| &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304481921 | Closed | 2025-01-22 08:51 | 2025-01-27 14:39 | Acknowledged | 2 - Non-Material D B | Compliance | Missing Doc | The Final 1003 is Missing | Acknowledged- XXXX - EV2 - Due Diligence Vendor-01/27/2025 <br> Unable to Resolve-Unable to Resolve- XXXX Acknowledged; please downgrade to a Non-Material Grade 2 - Buyer-01/27/2025 <br> Open-The Final 1003 is Missing Missing Final 1003 for business entity - Due Diligence Vendor-01/22/2025 |  | Acknowledged-BPL - EV2 - Due Diligence Vendor-01/27/2025<br>|  |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Post-Close | No |
| XXXX | XXXX |  | 304481790 | Closed | 2025-01-23 22:24 | 2025-01-31 05:50 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Provided Hazard Insurance Effective Date of XXXX is prior to or equal to the Note Date of XXXX. - Due Diligence Vendor-01/31/2025 <br> Resolved-Hazard Insurance Effective Date of 0 XXXX is prior to or equal to the Note Date of XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-01/31/2025 <br> Ready for Review-Document Uploaded. hazard updated and attached for review. - Buyer-01/30/2025 <br> Open-Hazard Insurance Effective Date of 0 XXXXis after the Note Date of XXXX- Due Diligence Vendor-01/24/2025 |  | Resolved-Provided Hazard Insurance Effective Date of XXXXs prior to or equal to the Note Date of XXXX. - Due Diligence Vendor-01/31/2025 <br> Resolved-Hazard Insurance Effective Date of XXXX is prior to or equal to the Note Date of XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-01/31/2025 | &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | MD | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304481790 | Closed | 2025-01-24 00:16 | 2025-01-24 00:27 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX%).(XXXX TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#601 and the Final Closing disclosure on Pg#248. Rate lock date was entered correctly see Pg#'s 680 An interior and exterior appraisal was completed for this property – see pg 67, 70 the appraisal disclosure was provided to the borrower(s)- see Pg#' 67, 70 and copy of the appraisal was given to the borrower see Pg 67, 70, 667 for the copy of the disclosure. The loan meets XXXX guidelines" - Due Diligence Vendor-01/24/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#601 and the Final Closing disclosure on Pg#248. Rate lock date was entered correctly see Pg#'s 680 An interior and exterior appraisal was completed for this property – see pg 67, 70 the appraisal disclosure was provided to the borrower(s)- see Pg#' 67, 70 and copy of the appraisal was given to the borrower see Pg 67, 70, 667 for the copy of the disclosure. The loan meets XXXX guidelines" - Due Diligence Vendor-01/24/2025 |  |  |  | MD | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304481790 | Closed | 2025-01-24 00:16 | 2025-01-24 00:27 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Maryland - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (XXXX%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%). (XXXX; XXXX TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#601 and the Final Closing disclosure on Pg#248. Rate lock date was entered correctly see Pg#'s 680 An interior and exterior appraisal was completed for this property – see pg 67, 70 the appraisal disclosure was provided to the borrower(s)- see Pg#' 67, 70 and copy of the appraisal was given to the borrower see Pg 67, 70, 667 for the copy of the disclosure. The loan meets XXXX guidelines" - Due Diligence Vendor-01/24/2025 |  | Resolved-Under the Regulations adopted by the XXXX Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (XXXX%) equals or exceeds the XXXX Higher-Priced Mortgage threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%). (XXXX TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#601 and the Final Closing disclosure on Pg#248. Rate lock date was entered correctly see Pg#'s 680 An interior and exterior appraisal was completed for this property – see pg 67, 70 the appraisal disclosure was provided to the borrower(s)- see Pg#' 67, 70 and copy of the appraisal was given to the borrower see Pg 67, 70, 667 for the copy of the disclosure. The loan meets XXXX guidelines" - Due Diligence Vendor-01/24/2025 |  |  |  | MD | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304498121 | Closed | 2025-02-11 02:42 | 2025-02-24 07:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Notary page provided - Due Diligence Vendor-02/24/2025 <br>Ready for Review-Document Uploaded. Please see attached amended signature page. - Buyer-02/21/2025 <br>Open-The Deed of Trust is Incomplete Notary date reflecting as 12/16/2024. - Due Diligence Vendor-02/11/2025 |  | Resolved-Notary page provided - Due Diligence Vendor-02/24/2025<br>| &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | NY | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304498121 | Closed | 2025-02-13 08:45 | 2025-02-21 07:16 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/21/2025 <br>Ready for Review-Document Uploaded. Please see attached. From the Seller "the borrower's LOE and REO have addressed them. While the subject property has confirmed as a multi-family property." - Buyer-02/20/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows Uncleared High Alerts without cleared comments, a processor cert was not provided - Due Diligence Vendor-02/13/2025 |  | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/21/2025<br>| &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | NY | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304498121 | Closed | 2025-02-11 02:24 | 2025-02-18 07:41 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Acknowledged-BPL EV2 - Due Diligence Vendor-02/18/2025 <br> Unable to Resolve-Unable to Resolve- XXXX Agrees to waive; please downgrade to a Non-Material Grade 2 - Buyer-02/14/2025 <br> Open-The 1008 Page Loan Type is ' XXXX' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Present'. Business Purpose Affidavit is required for a XXXX loan. Initial Business Purpose Affidavit is missing - Due Diligence Vendor-02/11/2025 |  | Acknowledged-BPL EV2 - Due Diligence Vendor-02/18/2025<br>|  |  |  | NY | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Post-Close | No |
| XXXX | XXXX |  | 304498124 | Closed | 2025-02-21 08:17 | 2025-05-16 05:49 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/16/2025 <br>Ready for Review-Document Uploaded. FR and explanation regarding high alerts uploaded - Buyer-05/14/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows Uncleared High Alerts without cleared comments, a processor cert was not provided - Due Diligence Vendor-02/21/2025 |  | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/16/2025<br>| &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | IL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304498124 | Closed | 2025-02-16 09:25 | 2025-05-01 12:53 | Acknowledged | 2 - Non-Material C B | Compliance | Disclosure | Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect | Acknowledged- XXXX Acknowledges - Due Diligence Vendor-05/01/2025 <br> Unable to Resolve-Unable to Resolve- XXXX Agrees to waive; please downgrade to a Non-Material Grade 2. - Buyer-04/30/2025 <br> Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. Prepayment Penalty on Closing Disclosure $ XXXX does not match the prepayment penalty calculation on the Note. $ XXXX - Due Diligence Vendor-02/16/2025 |  | Acknowledged-DH Acknowledges - Due Diligence Vendor-05/01/2025<br>|  |  |  | IL | Investment | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXX | XXXX |  | 304498124 | Closed | 2025-02-16 03:46 | 2025-05-01 04:37 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-CDA document provided. - Due Diligence Vendor-05/01/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-05/01/2025 <br>Ready for Review-Document Uploaded. CDA uploaded - Buyer-04/30/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Secondary Valuation is missing in the file. - Due Diligence Vendor-02/16/2025 |  | Resolved-CDA document provided. - Due Diligence Vendor-05/01/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-05/01/2025<br>| &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | IL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304642267 | Closed | 2025-02-27 23:00 | 2025-03-14 01:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Requested updated income calculation sheet provided with correct bank account # hence resolved. - Due Diligence Vendor-03/14/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-03/14/2025 <br> Ready for Review-Document Uploaded. - Since this is 1099 income – looks like the XXXX took the (XXXX's and added them together then divided by XXXX months (along with the J XXXX bank statement total income) since we had a full 13 months of income (loan closed 2/26/2025). <br>We should be good here as we used the XXXX in place of 1 XXXX2 months of XXXX024 bank statements<br> Also, updated income sheet has been uploaded to clear this finding, thank you. - Buyer-03/13/2025 <br> Ready for Review-Document Uploaded. Please find updated income calculator, thank you - Buyer-03/13/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provided Lender Worksheet reflects Business bank Account statement as Chase # XXXX but we don't have any bank statement provided for that Account, the Business Bank Account statement is Chase # XXXX, Provide updated Lender Income worksheet - Due Diligence Vendor-02/28/2025 |  | Resolved-Requested updated income calculation sheet provided with correct bank account # hence resolved. - Due Diligence Vendor-03/14/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-03/14/2025<br>| &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | KY | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304642267 | Closed | 2025-02-27 23:09 | 2025-03-11 10:14 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Lender provided previous year 1099 and verification of YTD earnings. Finding resolved. - Due Diligence Vendor-03/11/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/10/2025 <br>Open-Provide Verification of Earnings covering the YTD period - Due Diligence Vendor-02/28/2025 |  | Resolved-Lender provided previous year 1099 and verification of YTD earnings. Finding resolved. - Due Diligence Vendor-03/11/2025<br>| &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | KY | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304642267 | Closed | 2025-02-27 21:28 | 2025-03-04 18:29 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Waived-Borrower 1 IRS Transcripts Missing Lender provided approved Loan Exception is on page #1013<br>Manager Notes: Exception approved to accept bwr supplied IRS transcripts for 1099 income. Bwr provided 2023 1099 transcript from XXXX. 2024 transcripts not yet available to validate 2024 form supplied. Bwr is being qualified at worst case off of most recent bank statement deposits YTD in 2025 which is less than 1099 avg from 2024, but still in line with XXXX validated 1099 from 2023. Even at worst case income, DTI is < 30% and Residual > $XXXXK. All funds to close and reserves from bwrs own funds. Finding waived. - Due Diligence Vendor-02/28/2025 |  | Waived-Borrower 1 IRS Transcripts Missing Lender provided approved Loan Exception is on page #1013<br>Manager Notes: Exception approved to accept bwr supplied IRS transcripts for 1099 income. Bwr provided 2023 1099 transcript from XXXX. 2024 transcripts not yet available to validate 2024 form supplied. Bwr is being qualified at worst case off of most recent bank statement deposits YTD in 2025 which is less than 1099 avg from 2024, but still in line with XXXX validated 1099 from 2023. Even at worst case income, DTI is < 30% and Residual > $XXXXK. All funds to close and reserves from bwrs own funds. Finding waived. - Due Diligence Vendor-02/28/2025 |  |  | DTI is <30% : DTI is 26.8%. Maximum allowed per guidelines is 50%.<br> Qualifying FICO - Loan file 703, Guideline 680<br> Residual income > $XXXXK : Residual Income is $XXXX which is > $XXXXK<br> Borrower(s) have 7.87 months Reserves. Minimum required per guidelines is 6 months.<br>| KY | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 304639226 | Closed | 2025-03-07 01:15 | 2025-03-12 12:03 | Acknowledged | 2 - Non-Material D B | Compliance | Missing Doc | The Final 1003 is Incomplete | Acknowledged-BPL EV2 - Due Diligence Vendor-03/12/2025 <br> Unable to Resolve-Unable to Resolve- XXXX Agrees to waive; please downgrade to a Non-Material Grade 2 - Buyer-03/11/2025 <br> Open-The Final 1003 is Incomplete Missing business entity 100 XXXX3 - Due Diligence Vendor-03/07/2025 |  | Acknowledged-BPL EV2 - Due Diligence Vendor-03/12/2025<br>|  |  |  | TX | Investment | Refinance | Cash Out - Other | XXXX | Originator Post-Close | No |
| XXXX | XXXX |  | 304639226 | Closed | 2025-03-06 22:29 | 2025-03-12 06:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Income worksheet provided. Resolved - Due Diligence Vendor-03/12/2025 <br>Ready for Review-Document Uploaded. Income worksheet uploaded for review. - Buyer-03/11/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Bank Statement Summary Lender Worksheet missing from file - Due Diligence Vendor-03/07/2025 |  | Resolved-Income worksheet provided. Resolved - Due Diligence Vendor-03/12/2025<br>| &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | TX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304655035 | Closed | 2025-03-10 06:23 | 2025-03-20 09:35 | Resolved | 1 - Information C A | Credit | Eligibility | Business Entity EIN Number Missing | Resolved-Client response received. File has been uploaded - Due Diligence Vendor-03/20/2025 <br>Ready for Review-Per the Lender, they have uploaded all the entity documentation for the borrowing entity into the initial upload to TPR. The W9 form lists the SSN which the sponsor uses to file taxes. The entity does not have an EIN. Please let me know if anything further is needed. - Seller-03/18/2025 <br>Open-Please provide Business Entity with EIN number. which is missing in file. - Due Diligence Vendor-03/10/2025 | Ready for Review-Per the Lender, they have uploaded all the entity documentation for the borrowing entity into the initial upload to TPR. The W9 form lists the SSN which the sponsor uses to file taxes. The entity does not have an EIN. Please let me know if anything further is needed. - Seller-03/18/2025<br>| Resolved-Client response received. File has been uploaded - Due Diligence Vendor-03/20/2025<br>|  |  |  | WI | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304498148 | Closed | 2025-03-11 02:51 | 2025-03-19 06:18 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Required Document Provided, Changes Made in system, Finding Resolved.<br> - Due Diligence Vendor-03/19/2025 <br> Resolved-Title Coverage Amount of $ XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-03/19/2025 <br> Ready for Review-Document Uploaded. - Buyer-03/18/2025 <br> Open-Title Coverage Amount of $ XXXX is Less than Loan Amount Title Coverage is Less than Loan amount - Due Diligence Vendor-03/11/2025 |  | Resolved-Required Document Provided, Changes Made in system, Finding Resolved.<br> - Due Diligence Vendor-03/19/2025 <br> Resolved-Title Coverage Amount of $ XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-03/19/2025 | &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304643751 | Closed | 2025-03-18 15:39 | 2025-03-28 09:14 | Resolved | 1 - Information B A | Credit | Credit | Incomplete application | Resolved-Updated Application provided. - Due Diligence Vendor-03/28/2025 <br> Ready for Review-Document Uploaded. XXXX - Uploaded signed complete application from our operating system which contains the requested information. Please note that the initial application cannot be generated again. - Seller-03/26/2025 <br> Open-The application is incomplete. The application Member/Officers section page 474 is blank. The Purchase dates, Holding Title As, Ownership %, and Ownership Status of properties are blank. Requesting updated application. <br> - Due Diligence Vendor-03/18/2025 | Ready for Review-Document Uploaded. 3/26/25 - WJ - Uploaded signed complete application from our operating system which contains the requested information. Please note that the initial application cannot be generated again. - Seller-03/26/2025<br>| Resolved-Updated Application provided. - Due Diligence Vendor-03/28/2025<br>| &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | VA | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304643751 | Closed | 2025-03-14 11:50 | 2025-03-24 03:40 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Updated Credit Memo with correct guideline version date uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/24/2025 <br> Ready for Review-Document Uploaded. XXXX - Uploaded Credit Memo with correct guideline version date. - Seller-03/21/2025 <br> Open-Credit Memo doc is on Page # 346 shows Guideline Version XXXX instead of XXXX. - Due Diligence Vendor-03/14/2025 | Ready for Review-Document Uploaded. XXXX - WJ - Uploaded Credit Memo with correct guideline version date. - Seller-03/21/2025 | Resolved-Updated Credit Memo with correct guideline version date uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/24/2025<br>| &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | VA | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304643751 | Closed | 2025-03-18 15:04 | 2025-03-20 14:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Upon further review and attestation by client the loan is not an actual open credit line but is the template used by one closing/escrow company for Business purpose loans. There is no other language in the note or the Deed that indicate the existence of an actual drawable credit line- Finding resolved - Due Diligence Vendor-03/20/2025 <br>Open-The Deed of Trust shows the loan is a Credit Line Deed of Trust. Requesting updated Deed of Trust. - Due Diligence Vendor-03/18/2025 |  | Resolved-Upon further review and attestation by client the loan is not an actual open credit line but is the template used by one closing/escrow company for Business purpose loans. There is no other language in the note or the Deed that indicate the existence of an actual drawable credit line- Finding resolved - Due Diligence Vendor-03/20/2025<br>|  |  |  | VA | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304668394 | Closed | 2025-04-03 00:09 | 2025-04-04 13:54 | Resolved | 1 - Information A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of XXXX month(s) - Due Diligence Vendor-04/04/2025 <br> Resolved-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Funding Statement is in file and screens updated. Adequate months reserves. Resolved. - Due Diligence Vendor-04/03/2025 |  | Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-04/04/2025 <br> Resolved-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Funding Statement is in file and screens updated. Adequate months reserves. Resolved. - Due Diligence Vendor-04/03/2025 |  |  |  | NY | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304668394 | Closed | 2025-04-03 00:27 | 2025-04-04 13:47 | Resolved | 1 - Information A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Missing Final Closing Disclosure Funding Statement is in file. Resolved. - Due Diligence Vendor-04/03/2025 |  | Resolved-TRID: Missing Final Closing Disclosure Funding Statement is in file. Resolved. - Due Diligence Vendor-04/03/2025<br>|  |  |  | NY | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304680563 | Closed | 2025-04-07 00:04 | 2025-04-25 09:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-04/25/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/24/2025 <br>Open-The Note is Missing Missing Note. - Due Diligence Vendor-04/07/2025 |  | Resolved-The Note is Present - Due Diligence Vendor-04/25/2025<br>| &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | SC | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304680563 | Closed | 2025-04-10 09:24 | 2025-04-14 11:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-04/14/2025 <br>Resolved-Initials 1003 Provided. Resolved - Due Diligence Vendor-04/14/2025 <br>Ready for Review-Document Uploaded. 1003 attached. - Buyer-04/11/2025 <br>Open-The Initial 1003 is Missing Section 9 is not signed and dated by the LO. - Due Diligence Vendor-04/10/2025 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-04/14/2025 <br>Resolved-Initials 1003 Provided. Resolved - Due Diligence Vendor-04/14/2025<br>| &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | SC | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304639262 | Closed | 2025-04-08 06:19 | 2025-04-16 03:47 | Resolved | 1 - Information C A | Credit | Income/Employment | VOE performed more than 10 days prior to closing | Resolved-Requested 3rd Party VOE that is within the 10 Business days from closing provided hence resolved.<br> - Due Diligence Vendor-04/16/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-04/15/2025 <br>Open-VOE provided is dated more than 10 days prior to closing. - Due Diligence Vendor-04/08/2025 |  | Resolved-Requested 3rd Party VOE that is within the 10 Business days from closing provided hence resolved.<br> - Due Diligence Vendor-04/16/2025<br>| &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | NC | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304639262 | Closed | 2025-04-08 03:12 | 2025-04-16 03:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Requested Income Calculation sheet provided hence resolved. - Due Diligence Vendor-04/16/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-04/16/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-04/15/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Missing Bank Statement Summary Lender Worksheet / Income Calculator. - Due Diligence Vendor-04/08/2025 |  | Resolved-Requested Income Calculation sheet provided hence resolved. - Due Diligence Vendor-04/16/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-04/16/2025<br>| &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | NC | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304639262 | Closed | 2025-04-11 08:35 | 2025-04-11 08:35 | Waived | 2 - Non-Material B | Compliance | HigherPriced:APR | North Carolina - Rate Spread Home Loan (First Lien 10/13)(Conforming) | Waived-The loan's (XXXX%) APR equals or exceeds the XXXX Rate Spread Home Loan first lien conforming loan threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (XXXX%).(XXXX. - Due Diligence Vendor-04/11/2025 |  | Waived-The loan's (XXXX%) APR equals or exceeds the XXXX Rate Spread Home Loan first lien conforming loan threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this closed end loan secured by a 1-4 unit dwelling is (XXXX%).(XXXX - Due Diligence Vendor-04/11/2025 |  |  |  | NC | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Post-Close | No |
| XXXX | XXXX |  | 304639262 | Closed | 2025-04-08 04:57 | 2025-04-11 08:35 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%). XXXX) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 390 and the Final Closing disclosure on Pg#152 reflects escrows. Rate lock date was entered correctly see Pg# 423 An interior and exterior appraisal was completed for this property – see Page# 17 the appraisal disclosure was provided to the borrower(s)- see Pg# 416, and copy of the appraisal was given to the borrower see Pg# 17 for the copy of the disclosure. The loan meets XXXX guidelines - Due Diligence Vendor-04/08/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 390 and the Final Closing disclosure on Pg#152 reflects escrows. Rate lock date was entered correctly see Pg# 423 An interior and exterior appraisal was completed for this property – see Page# 17 the appraisal disclosure was provided to the borrower(s)- see Pg# 416, and copy of the appraisal was given to the borrower see Pg# 17 for the copy of the disclosure. The loan meets XXXX guidelines - Due Diligence Vendor-04/08/2025 |  |  |  | NC | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304639202 | Closed | 2025-04-14 00:59 | 2025-04-16 04:13 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Requested USPS look up provided verifying both the addresses (XXXX) are same hence resolved. - Due Diligence Vendor-04/16/2025 <br> Ready for Review-disregard previous comment and documents. - Buyer-04/15/2025 <br> Ready for Review-Document Uploaded. see attached. - Buyer-04/15/2025 <br> Open-As per Appraisal document Property Address is " XXXX" however DOT and Note Property Address is reflecting as " XXXX" and also USPS Verified Result reflecting as "Address Not Found". provide clear Address whether it is " XXXX" or " XXXXt" with updated Appraisal document. - Due Diligence Vendor-04/14/2025 |  | Resolved-Requested USPS look up provided verifying both the addresses (3 XXXX) are same hence resolved. - Due Diligence Vendor-04/16/2025 |  |  |  | OH | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304639202 | Closed | 2025-04-09 08:33 | 2025-04-16 04:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Requested USPS look up provided verifying both the addresses are same hence resolved. - Due Diligence Vendor-04/16/2025 <br> Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. - Seller-04/15/2025 <br> Open-Hazard Insurance Policy Partially Provided Provide updated Hazard Insurance document with complete subject address. Hazard Insurance document property address is " XXXX" however Title, DOT and Note indicate property address is reflecting " XXXX" . - Due Diligence Vendor-04/09/2025 | Ready for Review-Document Uploaded. - Seller-04/15/2025<br>| Resolved-Requested USPS look up provided verifying both the addresses are same hence resolved. - Due Diligence Vendor-04/16/2025 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/16/2025<br>| &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | OH | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304639202 | Closed | 2025-04-09 05:08 | 2025-04-15 07:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Lender provided PCCD with corrected max prepayment penalty. Condition resolved. - Due Diligence Vendor-04/15/2025 <br>Ready for Review-Document Uploaded. see attached signed at closing showing investment property. - Seller-04/14/2025 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Provide Final Business Purpose Affidavit Disclosure. Initial Business Purpose Affidavit Disclosure in file. - Due Diligence Vendor-04/09/2025 | Ready for Review-Document Uploaded. see attached signed at closing showing investment property. - Seller-04/14/2025<br>| Resolved-Lender provided PCCD with corrected max prepayment penalty. Condition resolved. - Due Diligence Vendor-04/15/2025<br>| &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | OH | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304717858 | Closed | 2025-04-09 22:28 | 2025-05-15 04:45 | Resolved | 1 - Information D A | Property | Missing Doc | Missing Updated Completion Report (442/1004D) | Resolved-Requested updated 1004D provided hence resolved. - Due Diligence Vendor-05/15/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/14/2025 <br>Open-Appraisal completed as "Subject to", required 1004D which is missing in the file - Due Diligence Vendor-04/10/2025 |  | Resolved-Requested updated 1004D provided hence resolved. - Due Diligence Vendor-05/15/2025<br>| &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | IN | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304717858 | Closed | 2025-04-08 05:25 | 2025-04-16 05:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Requested Gap Credit Report that is within the 10 Business days from closing provided hence resolved.<br> - Due Diligence Vendor-04/16/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/16/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-04/15/2025 <br>Open-Borrower 1 Gap Credit Report is Missing<br> - Due Diligence Vendor-04/08/2025 |  | Resolved-Requested Gap Credit Report that is within the 10 Business days from closing provided hence resolved.<br> - Due Diligence Vendor-04/16/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/16/2025<br>| &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | IN | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304717858 | Closed | 2025-04-09 02:15 | 2025-04-09 23:16 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) - This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#396-397 and the Final Closing disclosure on Pg#223, Finding reflects escrows. Rate lock date was entered correctly – see Pg#469. An interior and exterior appraisal was completed for this property – see Pg# 49-84, the appraisal disclosure was provided to the borrower(s)- see Pg#176, and confirmation the appraisal was delivered to the borrower – see Pg#176, 468, 364 The loan meets XXXX guidelines, resolved.<br> - Due Diligence Vendor-04/09/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) - This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#396-397 and the Final Closing disclosure on Pg#223, Finding reflects escrows. Rate lock date was entered correctly – see Pg#469. An interior and exterior appraisal was completed for this property – see Pg# 49-84, the appraisal disclosure was provided to the borrower(s)- see Pg#176, and confirmation the appraisal was delivered to the borrower – see Pg#176, 468, 364 The loan meets XXXX guidelines, resolved.<br> - Due Diligence Vendor-04/09/2025 |  |  |  | IN | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692787 | Closed | 2025-04-14 23:44 | 2025-04-21 12:53 | Acknowledged | 2 - Non-Material D B | Compliance | Missing Doc | The Final 1003 is Incomplete | Acknowledged-DH Acknowledges - Due Diligence Vendor-04/21/2025 <br> Unable to Resolve-Unable to Resolve- XXXX Acknowledged; please downgrade to a Non-Material Grade 2 - Buyer-04/18/2025 <br> Open-Missing final 1003 for the business entity. - Due Diligence Vendor-04/15/2025 |  | Acknowledged-DH Acknowledges - Due Diligence Vendor-04/21/2025<br>|  |  |  | TX | Investment | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | XXXX |  | 304677248 | Closed | 2025-04-25 05:12 | 2025-05-01 12:11 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-the Initial Cd's were provided - Due Diligence Vendor-05/01/2025 <br>Ready for Review-Document Uploaded. - Seller-04/30/2025 <br>Open-TRID: Missing Closing Disclosure TRID: Initial Closing Disclosure is Missing. - Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. - Seller-04/30/2025<br>| Resolved-the Initial Cd's were provided - Due Diligence Vendor-05/01/2025<br>| &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | UT | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304677248 | Closed | 2025-05-01 12:03 | 2025-05-01 12:10 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-The lender credit was correctly captured. - Due Diligence Vendor-05/01/2025 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($1.00) were applied to the total fee variance of ($ XXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-05/01/2025 |  | Resolved-The lender credit was correctly captured. - Due Diligence Vendor-05/01/2025<br>|  |  |  | UT | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304677248 | Closed | 2025-04-25 03:14 | 2025-05-01 02:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/01/2025 <br>Ready for Review-Document Uploaded. - Seller-04/30/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. - Seller-04/30/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/01/2025<br>| &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | UT | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692795 | Closed | 2025-04-22 06:04 | 2025-04-29 18:56 | Resolved | 1 - Information C A | Compliance | Disclosure | Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect | Resolved-PCCD with correct prepayment penalty amount provided, resolved. - Due Diligence Vendor-04/30/2025 <br>Ready for Review-Document Uploaded. pccd attached. - Buyer-04/28/2025 <br>Counter-Addendum updated to Note page. Prepayment penalty calculated per Note addendum does not match the prepayment penalty on final CD. - Due Diligence Vendor-04/25/2025 <br>Ready for Review-Document Uploaded. addendum provided - Buyer-04/24/2025 <br>Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. - Due Diligence Vendor-04/22/2025 |  | Resolved-PCCD with correct prepayment penalty amount provided, resolved. - Due Diligence Vendor-04/30/2025<br>| &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | TX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304684624 | Closed | 2025-04-23 22:20 | 2025-05-07 12:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present resolved - Due Diligence Vendor-05/07/2025 <br>Resolved-Updated years provided - Due Diligence Vendor-04/30/2025 <br>Ready for Review-Document Uploaded. 1003 - Seller-04/29/2025 <br>Open-The Final 1003 is Incomplete Borrower2 years in Industry is not provided and The Demographic Information was provided through weather it is Face-to-Face Interview, Telephone Interview, Fax or Mail, Email or Internet. - Due Diligence Vendor-04/24/2025 | Ready for Review-Document Uploaded. 1003 - Seller-04/29/2025<br>| Resolved-The Final 1003 is Present resolved - Due Diligence Vendor-05/07/2025 <br>Resolved-Updated years provided - Due Diligence Vendor-04/30/2025<br>| &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304684624 | Closed | 2025-04-24 00:52 | 2025-05-07 12:38 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-lender credit issued to cure tolerance - Due Diligence Vendor-05/07/2025 <br> Ready for Review-There is no COC? That's why there is a cost to cure on the consummation CD for the overage of the credit report fee and recording fee? - Seller-05/07/2025 <br> Counter-Need the actual COC one in file provided is blank and does not provide what the COC is for what charges. - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Our credit for fees increased in closing costs above legal limit was $XXXX. Breakdown $XXXX was for the increase in the credit report fee and the $XXXX was for the recording fee <br> Can you elaborate as my doc preparer says we are good - Seller-04/29/2025 <br> Open-A Lender Credit for Excess Charges of ($XXXX), Principal Reduction for Excess Charges of ($XXXX), and general or specific lender credit increases of ($XXXX) were applied to the total fee variance of ($XXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-04/24/2025 | Ready for Review-There is no COC? That's why there is a cost to cure on the consummation CD for the overage of the credit report fee and recording fee? - Seller-05/07/2025 <br> Ready for Review-Our credit for fees increased in closing costs above legal limit was $ XXXX.20. Breakdown $ XXXX was for the increase in the credit report fee and the $ XXXX was for the recording fee <br> Can you elaborate as my doc preparer says we are good - Seller-04/29/2025 | Resolved-lender credit issued to cure tolerance - Due Diligence Vendor-05/07/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304684624 | Closed | 2025-04-23 23:38 | 2025-05-07 12:33 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of XXXX% is less than or equal to Guideline LTV of XXXX% - Due Diligence Vendor-05/07/2025 <br> Ready for Review-E XXXX the guides/matrix- LTV can go to XXXX% - Seller-05/07/2025 <br> Open-LTV is at XXXX% and max per program is XXXX% - Due Diligence Vendor-04/30/2025 <br> Open-Audited LTV of XXXX% exceeds Guideline LTV of XXXX% - Due Diligence Vendor-04/24/2025 | Ready for Review-Emailed XXXX the guides/matrix- LTV can go to XXXX% - Seller-05/07/2025 | Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-05/07/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304684624 | Closed | 2025-04-24 00:55 | 2025-05-07 12:33 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of XXXX month(s) - Due Diligence Vendor-05/07/2025 <br> Open-Audited Reserves of XXXX month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Document Uploaded. Reserves are met - Seller-05/07/2025 <br> Counter-Borrower only has 5.19 months of reserves - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Document Uploaded. Our guides state $0- 1.5mil primary residence...reserves are 6 months not 9 months - Seller-04/29/2025 <br> Open-Audited Reserves of XXXX month(s) are less than Guideline Required Reserves of XXXX month(s) Provide sufficient assets to meet the guidelines reserves. - Due Diligence Vendor-04/24/2025 | Ready for Review-Document Uploaded. Reserves are met - Seller-05/07/2025 <br>Ready for Review-Document Uploaded. Our guides state $0- 1.5mil primary residence...reserves are 6 months not 9 months - Seller-04/29/2025<br>| Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of XXXX month(s) - Due Diligence Vendor-05/07/2025 | &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304684624 | Closed | 2025-04-25 10:09 | 2025-04-30 12:40 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $ XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Document Uploaded. Title update - Seller-04/29/2025 <br> Open-Title Coverage Amount of $0 is Less than Loan Amount - Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. Title update - Seller-04/29/2025<br>| Resolved-Title Coverage Amount of $ XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/30/2025 | &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304684624 | Closed | 2025-04-23 23:31 | 2025-04-30 02:37 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Expired | Resolved-Updated Asset statement for (XXXX) uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Document Uploaded. Updated assets (XXXX) $XXXX \* XXXX%= $XXXX for reserves - Seller-04/29/2025 <br> Open-Asset 3 Expired Asset 3 Expired. Provide updated statement. - Due Diligence Vendor-04/24/2025 | Ready for Review-Document Uploaded. Updated assets (XXXX) $XXXX \* 70%= $XXXX for reserves - Seller-04/29/2025 | Resolved-Updated Asset statement for (XXXX) uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/30/2025 | &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304680575 | Closed | 2025-04-30 09:25 | 2025-05-07 14:25 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Hazard Insurance Policy is Missing | Waived-Unable to Resolve-Exception Approved - Due Diligence Vendor-05/07/2025 <br> Unable to Resolve-Unable to Resolve-Document Uploaded. - Buyer-05/07/2025 <br> Unable to Resolve-Unable to Resolve- XXXX approves exception. Borrower has an individual policy that provides full coverage of the property. Comp Factors:<br> \* XXXX FICO<br> \*0x30x38 mortgage history<br> \*Good credit score/profile<br> \* XXXX months reserves after closing<br> \*High residual income ($ XXXX)<br> \* XXXX% DTI - Buyer-05/07/2025 <br> Open-The subject property is a PUD. Provide HOA/PUD master insurance policy as required per XXXX. - Due Diligence Vendor-04/30/2025 |  | Waived-Unable to Resolve-Exception Approved - Due Diligence Vendor-05/07/2025<br>| &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  | 782 FICO <br> 0x30x38 mortgage history<br> High residual income ($XXXX), min is $XXXX<br> 18% DTI, Max is 50% | PA | Second Home | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXX | XXXX |  | 304692752 | Closed | 2025-04-28 03:36 | 2025-05-19 04:43 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Gift Wire proof of $ XXXX provided. Hence resolved - Due Diligence Vendor-05/19/2025 <br> Ready for Review-Document Uploaded. Uploaded for review - Seller-05/18/2025 <br> Open-Per Guideline When the funds are not transferred prior to closing, it must be documented that the donor gave the closing agent the gift funds in the form of a certified check, a cashier's check, money order, or wire transfer. Provide this documentation to cure - Due Diligence Vendor-05/02/2025 <br> Ready for Review-Document Uploaded. Gift funds listed on final cd - Buyer-05/01/2025 <br> Open-Gift amount $ XXXX wire document is missing in file, as per Guideline When the funds are not transferred prior to closing, it must be documented that the donor gave the closing agent the gift funds in the form of a certified check, a cashier's check, money order, or wire transfer.<br> - Due Diligence Vendor-04/28/2025 | Ready for Review-Document Uploaded. Uploaded for review - Seller-05/18/2025<br>| Resolved-Gift Wire proof of $25000 provided. Hence resolved - Due Diligence Vendor-05/19/2025<br>| &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692752 | Closed | 2025-04-28 02:48 | 2025-05-14 04:54 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Resolved-WVOE in file.1 month of paystubs not required. - Due Diligence Vendor-05/14/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-05/14/2025 <br>Open-Borrower 1 Paystubs Less Than 1 Month Provided Borrower 1 - only provided 1 semi Monthly paystub. 30 days required - Due Diligence Vendor-04/28/2025 |  | Resolved-WVOE in file.1 month of paystubs not required. - Due Diligence Vendor-05/14/2025<br>| &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692752 | Closed | 2025-04-28 03:14 | 2025-05-05 03:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/05/2025 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-05/05/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Seller-05/05/2025 <br>Open-Third Party Fraud Report Partially Provided Fraud Report is Partial - Due Diligence Vendor-04/28/2025 | Ready for Review-Document Uploaded. Uploaded for review - Seller-05/05/2025<br>| Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/05/2025 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-05/05/2025<br>| &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304680562 | Closed | 2025-04-30 14:57 | 2025-05-07 13:28 | Acknowledged | 2 - Non-Material D B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Acknowledged- XXXX Acknowledges - Due Diligence Vendor-05/07/2025 <br> Unable to Resolve-Unable to Resolve-Per the Lender, this document is not included in their closing documents. - Buyer-05/07/2025 <br> Open-Missing Affiliated Business Arrangement Disclosure for XXXX, or FACTS sheet. - Due Diligence Vendor-04/30/2025 |  | Acknowledged-DH Acknowledges - Due Diligence Vendor-05/07/2025<br>|  |  |  | CO | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXX | XXXX |  | 304692741 | Closed | 2025-04-29 04:49 | 2025-05-21 10:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Initial 1003 provided and updated to 1003 page, resolved. - Due Diligence Vendor-05/21/2025 <br>Ready for Review-Document Uploaded. Initial 1003 uploaded for review. - Buyer-05/20/2025 <br>Open-The Initial 1003 is Missing Missing Initial 1003. - Due Diligence Vendor-04/29/2025 |  | Resolved-The Initial 1003 is Present - Initial 1003 provided and updated to 1003 page, resolved. - Due Diligence Vendor-05/21/2025<br>| &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | IL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692741 | Closed | 2025-04-29 06:50 | 2025-05-21 05:50 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Proceeds from sale missing, provided closing statement, Changes Made in system, Finding Resolved<br> - Due Diligence Vendor-05/21/2025 <br> Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of XXXX month(s) - Due Diligence Vendor-05/21/2025 <br> Ready for Review-Document Uploaded. Closing Statement uploaded for review. - Buyer-05/20/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of XXXX month(s) Missing evidence of Net Proceeds from Sale of departing residence. - Due Diligence Vendor-04/30/2025 |  | Resolved-Proceeds from sale missing, provided closing statement, Changes Made in system, Finding Resolved<br> - Due Diligence Vendor-05/21/2025 <br> Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-05/21/2025 | &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | IL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692741 | Closed | 2025-05-01 00:35 | 2025-05-21 05:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Credit Report missing in file, Changes made in system, Finding Resolved<br> - Due Diligence Vendor-05/21/2025 <br>Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-05/21/2025 <br>Ready for Review-Document Uploaded. Credit Report uploaded for review. - Seller-05/20/2025 <br>Open-Borrower 1 Credit Report is Missing. Missing Credit report. - Due Diligence Vendor-05/01/2025 | Ready for Review-Document Uploaded. Credit Report uploaded for review. - Seller-05/20/2025<br>| Resolved-Credit Report missing in file, Changes made in system, Finding Resolved<br> - Due Diligence Vendor-05/21/2025 <br>Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-05/21/2025<br>| &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | IL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692741 | Closed | 2025-05-01 00:35 | 2025-05-21 05:50 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Gap Credit Report missing in file, Changes made in system, Finding Resolved<br> - Due Diligence Vendor-05/21/2025 <br>Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-05/21/2025 <br>Ready for Review-Document Uploaded. UDM uploaded for review - Seller-05/20/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Missing Gap Credit report within 10 business days of closing. - Due Diligence Vendor-05/01/2025 | Ready for Review-Document Uploaded. UDM uploaded for review - Seller-05/20/2025<br>| Resolved-Gap Credit Report missing in file, Changes made in system, Finding Resolved<br> - Due Diligence Vendor-05/21/2025 <br>Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-05/21/2025<br>| &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | IL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692741 | Closed | 2025-04-30 02:58 | 2025-05-02 13:28 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXXUsing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 290 and the Final Closing disclosure on Pg#'s 161 reflects escrows. Rate lock date was entered correctly – see Pg#'s 313 An interior and exterior appraisal was completed for this property – see pg. 26-59, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 433, 434 copy of the disclosure was given to the borrower – see Pg#' 24 for delivery confirmation. The loan meets XXXX guidelines. - Due Diligence Vendor-04/30/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 290 and the Final Closing disclosure on Pg#'s 161 reflects escrows. Rate lock date was entered correctly – see Pg#'s 313 An interior and exterior appraisal was completed for this property – see pg. 26-59, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 433, 434 copy of the disclosure was given to the borrower – see Pg#' 24 for delivery confirmation. The loan meets XXXX guidelines. - Due Diligence Vendor-04/30/2025 |  |  |  | IL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304655388 | Closed | 2025-04-30 02:20 | 2025-05-16 09:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-05/16/2025 <br>Resolved-Initial CD provided, resolved. - Due Diligence Vendor-05/10/2025 <br>Ready for Review-Document Uploaded. - Seller-05/07/2025 <br>Open-TRID: Missing Closing Disclosure Missing Initial Closing Disclosure. - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. - Seller-05/07/2025<br>| Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-05/16/2025 <br>Resolved-Initial CD provided, resolved. - Due Diligence Vendor-05/10/2025<br>| &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | NE | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304655388 | Closed | 2025-05-10 12:24 | 2025-05-14 07:49 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Revised LE and COC provided was updated to review. Mavent is passing. Resolved. - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Document Uploaded. This fee was added on the XXXX - Seller-05/13/2025 <br> Counter-The cause of the tolerance fail is the final inspection fee added to the initial CD issued on XXXX iao $ XXXX. This fee was not on the initial LE and Section B fees are zero tolerance. The LC iao $ XXXX is not sufficient to satisfy the tolerance fail iao $ XXXX. Please provide valid COC form or cure. - Due Diligence Vendor-05/12/2025 <br> Ready for Review-Document Uploaded. $ XXXX back to close to cure and this is enough-see PCCD attached - Seller-05/12/2025 <br> Open-This loan failed the charges that cannot increase test due to final inspection fee added to initial CD issued on 3/27/25. LC iao $ XXXX is insufficient to cure. Missing COC form or to cure provide PCCD, LOE, evidence of refund and POD. - Due Diligence Vendor-05/10/2025 <br> Open-A Lender Credit for Excess Charges of ($ XXXX), Principal Reduction for Excess Charges of ($ XXXX), and general or specific lender credit increases of ($ XXXX) were applied to the total fee variance of ($ XXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-05/10/2025 | Ready for Review-Document Uploaded. This fee was added on the XXXX- Seller-05/13/2025 <br> Ready for Review-Document Uploaded. $ XXXX back to close to cure and this is enough-see XXXX attached - Seller-05/12/2025 | Resolved-Revised LE and COC provided was updated to review. Mavent is passing. Resolved. - Due Diligence Vendor-05/14/2025<br>| &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | NE | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304655388 | Closed | 2025-04-30 22:41 | 2025-05-08 02:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/08/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/07/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-05/01/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/08/2025<br>| &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | NE | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304655388 | Closed | 2025-04-30 02:43 | 2025-05-07 14:36 | Waived | 2 - Non-Material C B | Credit | Credit | Deficient Income Documentation | Waived-Exception Approved - Due Diligence Vendor-05/07/2025 <br> Unable to Resolve-Unable to Resolve- XXXX approves exception. - Seller-05/07/2025 <br> Open-Exception approved for use of more than one business account to make up the most<br> recent 12 mo analyzed for XXXX income doc type. Also, ok to proceed with XXXX/Overdrafts in past 12<br> mo. Bwr explains moving accounts from smaller regional bank to national bank for greater flexibility<br> and range of services. Bwr has documented closure of the old account. A number of the NSF's and<br> overdrafts occurred during the closure of the old account in XXXX while moving funds to the new<br> account. Bwr has no credit lates or derogatory items in the most recent 12 mo so XXXX/overdraft activity<br> does not appear to be a sign of distress or mismanagement. Bwr had over $ XXXX Mil in eligible deposits<br> meaning the number of overdrafts were less significant due to the size of the operation <br> Exception On Page#551&553<br> LOX on Page#470 - Due Diligence Vendor-04/30/2025 | Unable to Resolve-Unable to Resolve- XXXX approves exception. - Seller-05/07/2025 | Waived-Exception Approved - Due Diligence Vendor-05/07/2025<br>|  |  | DTI is 13.04%. Maximum allowed per guidelines is 50%.<br> Residual Income is $XXXX. Minimum Residual Income required per guidelines is $XXXX.  | NE | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXX | XXXX |  | 304655388 | Closed | 2025-05-10 12:24 | 2025-05-10 12:24 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%). XXXX This loan failed the higher-priced mortgage loan test. (XXXXUsing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 460 and the Final Closing disclosure on Pg#'s 239 reflects escrows. Rate lock date was entered correctly – see Pg#'s 499. An interior and exterior appraisal was completed for this property – see pg 17, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 570, and copy of the appraisal was given to the borrower – see Pg#'s 285 for delivery confirmation of the appraisal. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-05/10/2025 |  | Resolved-The loan's (XXXX%) XXXX equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 460 and the Final Closing disclosure on Pg#'s 239 reflects escrows. Rate lock date was entered correctly – see Pg#'s 499. An interior and exterior appraisal was completed for this property – see pg 17, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 570, and copy of the appraisal was given to the borrower – see Pg#'s 285 for delivery confirmation of the appraisal. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-05/10/2025 |  |  |  | NE | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304702022 | Closed | 2025-05-06 23:49 | 2025-05-12 12:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received the initial CD - Due Diligence Vendor-05/12/2025 <br>Ready for Review-Document Uploaded. Attached. - Seller-05/09/2025 <br>Open-TRID: Missing Closing Disclosure Initial Closing Disclosure is Missing in File. - Due Diligence Vendor-05/07/2025 | Ready for Review-Document Uploaded. Attached. - Seller-05/09/2025<br>| Resolved-Received the initial CD - Due Diligence Vendor-05/12/2025<br>| &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304685760 | Closed | 2025-05-01 07:33 | 2025-05-07 09:02 | Resolved | 1 - Information C A | Credit | Credit | Deficient Income Documentation | Resolved-Transcripts provided and verified. - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Document Uploaded. Per guides 8.2-we can provide XXXX months of XXXX income which we did with the W2 transcripts. Please clear. - Buyer-05/06/2025 <br> Open-As per guidelines we do require recent 2 months bank statements showing Income deposit. - Due Diligence Vendor-05/01/2025 |  | Resolved-Transcripts provided and verified. - Due Diligence Vendor-05/07/2025<br>| &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | IN | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304691530 | Closed | 2025-04-30 01:28 | 2025-05-02 08:41 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX This loan failed the higher-priced mortgage loan test. (1 XXXXUsing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 1583 and the Final Closing disclosure on Pg#'s 1068, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 1674. An interior and exterior appraisal was completed for this property – see pg# 133, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 2058, and confirmation the appraisal was delivered to the borrower – see Pg#'s 133, 2058, 1644. The loan meets XXXX guidelines, resolved.<br> - Due Diligence Vendor-04/30/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%). XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 1583 and the Final Closing disclosure on Pg#'s 1068, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 1674. An interior and exterior appraisal was completed for this property – see pg# 133, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 2058, and confirmation the appraisal was delivered to the borrower – see Pg#'s 133, 2058, 1644. The loan meets XXXX guidelines, resolved.<br> - Due Diligence Vendor-04/30/2025 |  |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304685753 | Closed | 2025-05-14 11:18 | 2025-05-27 20:54 | Acknowledged | 2 - Non-Material C B | Compliance | HigherRisk:APR | North Carolina- Rate Spread Home Loan | Acknowledged-Per external counsel, appropriate to waive as a B - Due Diligence Vendor-05/28/2025 <br> Unable to Resolve-Unable to Resolve-Document Uploaded. see Seller compliance report and compliance test. NC fees appear to be within threshold. - Buyer-05/27/2025 <br> Open- XXXX - XXXX - Rate Spread Home Loan (XXXX) - The loan's (XXXX%) APR equals or exceeds the XXXX Rate Spread Home Loan first lien conforming loan threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (XXXX%).(XXXX. XXXX - Due Diligence Vendor-05/14/2025 |  | Acknowledged-Per external counsel, appropriate to waive as a B - Due Diligence Vendor-05/28/2025<br>| &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | NC | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | XXXX |  | 304685753 | Closed | 2025-05-01 05:43 | 2025-05-09 03:34 | Resolved | 1 - Information C A | Credit | Credit | Tradeline minimum has not met guidelines | Resolved-Min tradelines meets GL requirements since we have 2 active tradelines active in 12 months with 99 months reviewed. Hence no finding needed. Resolved - Due Diligence Vendor-05/09/2025 <br> Ready for Review-borrower has 2 active tradelines. One is from 2003 and one is from 2007. Both are active. XXXX<br> Primary and Second Homes 3 tradelines reporting for 12+ months with activity in last 12 months or 2 tradelines reporting for 24+ months with activity in last 12 months or \*\*\*1 tradeline for 36+ months with activity in the last 12 months<br> - Buyer-05/09/2025 <br> Open-Minimum Tradeline Requirements not met for primary homes. Limited tradelines allowed only on the Non-Prime Program but the subject is an Expanded Prime program. The third tradeline listed on the CR which is a closed tradeline was last active 2023-06 which is more than 12 months. GL's state the account must have activity in the past 12 months and may be open or closed. - Due Diligence Vendor-05/01/2025 |  | Resolved-Min tradelines meets GL requirements since we have 2 active tradelines active in XXXX months with XXXX months reviewed. Hence no finding needed. Resolved - Due Diligence Vendor-05/09/2025 |  |  |  | NC | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304685753 | Closed | 2025-05-01 01:11 | 2025-05-06 09:03 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX Higher Priced: This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 311-312 and the Final Closing disclosure on Pg#'s170-174 reflects escrows. Rate lock date was entered correctly – see Pg#'s 329 An interior and exterior appraisal was completed for this property – see pg 63-91 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 60, 62,179,261, 322, 325, 328, 338 and copy of the appraisal was given to the borrower – see Pg#'s192 for the copy of the disclosure. The loan meets XXXX guidelines. Resolved. - Due Diligence Vendor-05/01/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) Higher Priced: This loan failed the higher-priced mortgage loan test. (XXXXUsing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 311-312 and the Final Closing disclosure on Pg#'s170-174 reflects escrows. Rate lock date was entered correctly – see Pg#'s 329 An interior and exterior appraisal was completed for this property – see pg 63-91 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 60, 62,179,261, 322, 325, 328, 338 and copy of the appraisal was given to the borrower – see Pg#'s192 for the copy of the disclosure. The loan meets XXXX guidelines. Resolved. - Due Diligence Vendor-05/01/2025 |  |  |  | NC | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304701958 | Closed | 2025-06-24 13:43 | 2025-07-01 08:41 | Resolved | 1 - Information C A | Credit | Assets Insufficient | Assets are not sufficient to close | Resolved-Lender provided CD indicating Cash out from other property applied to subject transaction. - Due Diligence Vendor-07/01/2025 <br>Ready for Review-Document Uploaded. and proof the insurance has rent loss coverage - Seller-06/30/2025 <br>Ready for Review-Document Uploaded. I uploaded the CD note and mortgage from their other purchase - Seller-06/30/2025 <br>Open- - Due Diligence Vendor-06/24/2025 | Final closing disclosure indicate cash to close required in the amount of $ XXXX. Earnest money paid on the loan is 1 XXXX. Bank statement in loan file support assets in the amount of XXXX.00. Please provide additional assets statements supporting sufficient funds to close and 3 months reserves. - 06/24/2025 <br>Ready for Review-Document Uploaded. and proof the insurance has rent loss coverage - Seller-06/30/2025 <br> Ready for Review-Document Uploaded. I uploaded the CD note and mortgage from their other purchase - Seller-06/30/2025 | Resolved-Lender provided CD indicating Cash out from other property applied to subject transaction. - Due Diligence Vendor-07/01/2025<br>| &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | VA | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304701958 | Closed | 2025-05-02 00:49 | 2025-07-01 08:36 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-07/01/2025 <br> Resolved-Lender provided evidence that XXXX month rent loss coverage added to Hazard insurance. Condition resolved. - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. rent loss coverage added to Hazard insurance - Buyer-06/23/2025 <br> Counter-Lender indicated that 3 months reserves required. However, Hazard policy in file does not indicate rent loss coverage therefore additional 6 months required for a total of 9 months PITI reserves required or provide evidence of Hazard insurance Rent loss coverage for at least 6 months. See guidelines XXXX - Due Diligence Vendor-05/06/2025 <br> Ready for Review-please review attached matrix showing only 3 months reserves required. Thank you - Seller-05/05/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of XXXX month(s) Provide evidence of 9 months PITI reserves. - Due Diligence Vendor-05/02/2025 | Ready for Review-please review attached matrix showing only 3 months reserves required. Thank you - Seller-05/05/2025<br>| Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of XXXX month(s) - Due Diligence Vendor-07/01/2025 <br> Resolved-Lender provided evidence that XXXX month rent loss coverage added to Hazard insurance. Condition resolved. - Due Diligence Vendor-06/24/2025 | &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | VA | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304701958 | Closed | 2025-05-05 09:43 | 2025-05-05 16:25 | Acknowledged | 2 - Non-Material C B | Credit | Doc Issue | Missing proof of hazard insurance | Acknowledged- XXXX Acknowledges - Due Diligence Vendor-05/05/2025 <br> Unable to Resolve-Unable to Resolve- XXXX Agrees to waive; please downgrade to a Non-Material Grade 2.<br> - Buyer-05/05/2025 <br> Open-The subject property is a PUD. Provide HOA/PUD master insurance policy as required per 12.2.1. - Due Diligence Vendor-05/05/2025 |  | Acknowledged-DH Acknowledges - Due Diligence Vendor-05/05/2025<br>|  |  |  | VA | Investment | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXX | XXXX |  | 304692883 | Closed | 2025-05-08 09:52 | 2025-05-22 08:41 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 13.63 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-05/22/2025 <br> Ready for Review-Document Uploaded. Please find the attached pdf docs and email chain to fully paper-trail the remaining assets, the $XXXX disclosed on the final URLA as "secured funds".<br> We have a settlement statement from the refinance of bwr owned property XXXX, evidence of transfer to our transaction's title company XXXX, A bank letter from XXXX for the escrow account of XXXX confirming receipt, and an email chain from the closing agent confirming receipt.<br>This is the loan story.<br>Loan XXXX for Purchase of XXXX is for bwrs acquisition of a new primary residence. Bwr intended to simultaneously take cash out of current primary residence XXXX with concurrent investment refi on XXXX loan #XXXX. During the UW of the loan, it was identified that use of refi proceeds on an investment property to fund the purchase of a primary residence would violate our compliance parameters of Business purpose lending. No proceeds of an investment refinance may be used for personal debt or personal use. This created an obstacle to the bwr meeting sufficient funds to close.<br>The solution that was accepted by XXXX management and compliance dept was as follows: Bwr instead took out a hard money loan with XXXX as lender on a non-subject REO property, XXXX. The proceeds of this secured loan were an acceptable source of down payment and were transferred directly to the title company on the purchase of XXXX, loan # XXXX. (documentation attached). In order to eliminate DTI impact of this new debt, the investment property refi, loan # XXXX on XXXX, simultaneously repaid XXXX. This was a compliant use of proceeds for business purpose lending as funds from an investment refinance may be used to acquire or refinance other investment property. CD from XXXX loan #XXXX, previously documented, shows the payoff to XXXX.<br>- Buyer-05/21/2025 <br> Counter-Provided CD from refinance of XXXX reflects borrower received $XXXX back at closing which is not sufficient to meet guideline requirements for subject transaction. Missing proof of wire from XXXX to XXXX company for subject transaction. Missing proof of gift funds of $XXXX per page 689. - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. The funds to close came from the proceeds from a secured loan that was to be wired directly to escrow. updated 1003/1008 uploaded with CD from that closing. - Buyer-05/12/2025 <br> Open-There is no proof for gift amount deposit , no supporting documentation of gift funds. Missing Wire/ Bank deposit/ not reflected on Final Cd - Due Diligence Vendor-05/08/2025 |  | Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of XXXX month(s) - Due Diligence Vendor-05/22/2025 | &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692883 | Closed | 2025-05-08 09:18 | 2025-05-12 07:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-05/12/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/09/2025 <br>Open-The Final 1003 is Incomplete Citizenship per final 1003 is non permanent resident , however permanent resident card on page 784. Unexpired Passport and Visa is missing in file - Due Diligence Vendor-05/08/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-05/12/2025<br>| &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692883 | Closed | 2025-05-06 05:44 | 2025-05-08 10:02 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income/Employment General | Waived-Exception pg no: 897approved to accept bwr supplied IRS W2 transcripts. Transcripts match to W2s provided for 2023 and 2024. TWN VOE also validates income. Stable employment > 3 yrs with same employer. - Due Diligence Vendor-05/06/2025 |  | Waived-Exception pg no: 897approved to accept bwr supplied IRS W2 transcripts. Transcripts match to W2s provided for XXXX and XXXX. TWN VOE also validates income. Stable employment > XXXX yrs with same employer. - Due Diligence Vendor-05/06/2025 |  |  | Fico 758 minimum per guidelines is 660<br> Residual income- $XXXX minimum per guidelines is $XXXX<br> LTV 80% max per guidelines is 90% | FL | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 304692840 | Closed | 2025-05-07 09:21 | 2025-05-15 10:22 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Acknowledged-Lender acknowledges as immaterial - Due Diligence Vendor-05/15/2025 <br>Ready for Review-This is not something that we as the lender provide, please downgrade to a 2b non - material condition. - Buyer-05/12/2025 <br>Open-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. Provide Anti-Steering Disclosure doc. - Due Diligence Vendor-05/07/2025 |  | Acknowledged-Lender acknowledges as immaterial - Due Diligence Vendor-05/15/2025<br>|  |  |  | WA | Primary Residence | Purchase | NA | XXXX | Originator Post-Close | No |
| XXXX | XXXX |  | 304692840 | Closed | 2025-05-07 09:41 | 2025-05-13 09:53 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Verified more than sufficient funds to close plus required reserves with EMD removed from available funds to close. Lender provided updated 1008 & URLA. Finding resolved. - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. The following EMD has been removed from the available funds to close: XXXX We have verified more than sufficient funds to close plus required reserves with them removed. <br> Please see updated 1003 & URLA, thank you. - Seller-05/13/2025 <br> Open-Verified $ XXXX as EMD per check and sales contract, However unable to verify additional assets listed in final 1003 sec 2b named as Earnest money $ XXXX. Final CD page #399 shows Deposit of $ XXXX.80. Provide clarification on same. - Due Diligence Vendor-05/07/2025 | Ready for Review-Document Uploaded. The following EMD has been removed from the available funds to close: XXXX We have verified more than sufficient funds to close plus required reserves with them removed. <br> Please see updated 1003 & URLA, thank you. - Seller-05/13/2025 | Resolved-Verified more than sufficient funds to close plus required reserves with XXXX removed from available funds to close. Lender provided updated 1008 & URLA. Finding resolved. - Due Diligence Vendor-05/13/2025 | &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | WA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692840 | Closed | 2025-05-07 08:39 | 2025-05-13 05:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Borrower is Canada citizen which as per Guidelines borrower belongs to Visa Waiver Program which do not require a Permanent resident card hence resolved. - Due Diligence Vendor-05/13/2025 <br> Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. - Buyer-05/12/2025 <br> Open-Borrower 1 Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Borrower is Permanent resident alien, XXXX Permanent resident card is missing in file. - Due Diligence Vendor-05/07/2025 |  | Resolved-Borrower is Canada citizen which as per Guidelines borrower belongs to Visa Waiver Program which do not require a Permanent resident card hence resolved. - Due Diligence Vendor-05/13/2025 <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-05/13/2025<br>| &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | WA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692840 | Closed | 2025-05-07 08:39 | 2025-05-13 05:22 | Resolved | 1 - Information C A | Credit | Eligibility | Potential Fraud Reflected on Fraud Report | Resolved-Requested LOX with cleared alerts provided hence resolved. - Due Diligence Vendor-05/13/2025 <br>Resolved-Potential Fraud Reflected on Fraud Report is Resolved or None Exists - Due Diligence Vendor-05/13/2025 <br>Ready for Review-Document Uploaded. See LOX as to cleared fraud alert for the borrower's Canadian properties owned. - Seller-05/12/2025 <br>Open-Potential Fraud Reflected on Fraud Report Provide either LOX for the reason for alerts or updated fraud report with cleared alerts. - Due Diligence Vendor-05/07/2025 | Ready for Review-Document Uploaded. See LOX as to cleared fraud alert for the borrower's Canadian properties owned. - Seller-05/12/2025<br>| Resolved-Requested LOX with cleared alerts provided hence resolved. - Due Diligence Vendor-05/13/2025 <br>Resolved-Potential Fraud Reflected on Fraud Report is Resolved or None Exists - Due Diligence Vendor-05/13/2025<br>| &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | WA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304701940 | Closed | 2025-05-07 01:23 | 2025-05-29 12:22 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Cured-Refund to the borrower of $ XXXX, Cured. - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Document Uploaded. Cure uploaded - Buyer-05/23/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Verification Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. XXXX XXXX increased from Initial LE of $ XXXX to Final CD of $ XXXX. Provide COC. - Due Diligence Vendor-05/07/2025 |  | Cured-Refund to the borrower of $ XXXX, Cured. - Due Diligence Vendor-05/29/2025 | &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304701940 | Closed | 2025-05-06 21:29 | 2025-05-16 04:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap Credit Report provided. Resolved - Due Diligence Vendor-05/16/2025 <br>Ready for Review-Document Uploaded. Gap Report uploaded for review. - Buyer-05/15/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Gap report is missing. - Due Diligence Vendor-05/07/2025 |  | Resolved-Gap Credit Report provided. Resolved - Due Diligence Vendor-05/16/2025<br>| &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304701940 | Closed | 2025-05-07 01:23 | 2025-05-12 17:09 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 361 and the Final Closing disclosure on Pg#'s 176, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 387. An interior and exterior appraisal was completed for this property – see pg 20, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 16, and confirmation the appraisal was delivered to the borrower – see Pg#'s 18. The loan meets XXXX guidelines, resolved. <br>- Due Diligence Vendor-05/07/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 361 and the Final Closing disclosure on Pg#'s 176, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 387. An interior and exterior appraisal was completed for this property – see pg 20, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 16, and confirmation the appraisal was delivered to the borrower – see Pg#'s 18. The loan meets XXXX guidelines, resolved. <br>- Due Diligence Vendor-05/07/2025 |  |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692882 | Closed | 2025-05-08 02:39 | 2025-05-28 03:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Purchase Contract Document Provided. - Due Diligence Vendor-05/28/2025 <br>Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-05/28/2025 <br>Ready for Review-Document Uploaded. Please see the full purchase contact - Buyer-05/27/2025 <br>Open-Loan Purpose is Purchase but Purchase Contract Doc is Missing Contract Amendment to purchase agreement was provided however Required fully executed Sales contract is missing in file - Due Diligence Vendor-05/08/2025 |  | Resolved-Purchase Contract Document Provided. - Due Diligence Vendor-05/28/2025 <br>Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-05/28/2025<br>| &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | GA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692882 | Closed | 2025-05-08 10:50 | 2025-05-13 08:40 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income/Employment General | Waived-Exception Document on XXXX approved to allow use of WVOE to validate XXXXin lieu of tax transcript. XXXX income is not yet reporting to IRS. IRS does report XXXX income, which is in line with what was earned/report in 2024. - Due Diligence Vendor-05/08/2025 |  | Waived-Exception Document on XXXX approved to allow use of WVOE to validate XXXX in lieu of tax transcript. XXXX income is not yet reporting to IRS. IRS does report XXXX income, which is in line with what was earned/report in 2024. - Due Diligence Vendor-05/08/2025 |  |  | Credit Score is 751. Minimum required per guidelines is 660.<br> Borrower(s) have 92.07 months Reserves. Minimum required per guidelines is 6 months.<br> LTV is 80%. Maximum allowed per guidelines is 90%. | GA | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 304692865 | Closed | 2025-05-14 12:01 | 2025-05-20 07:16 | Resolved | 1 - Information C A | Credit | Insurance | HO-6 Insurance Policy is only Partially Present | Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Document Uploaded. The H06 policy provided does cover Dwelling, It's on the bottom of that page, Improvements and Betterments. See attached e-mail from the XXXXv agent. - Buyer-05/19/2025 <br> Open-HO-6 Insurance Policy is only Partially Present HO-6 in file does not reflect a dwelling amount, master policy does not reflect walls in coverage - Due Diligence Vendor-05/14/2025 |  | Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-05/20/2025<br>| &nbsp;&nbsp;&nbsp;&nbsp;XXXX |  |  | CA | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304685278 | Closed | 2025-05-07 23:36 | 2025-05-19 07:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-05/19/2025 <br>Ready for Review-Not a Bank Statement loan. W-2 borrower, income worksheet not required. - Buyer-05/15/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Income worksheet not in file. - Due Diligence Vendor-05/08/2025 |  | Resolved-Validation Resolved' - Due Diligence Vendor-05/19/2025<br>|  |  |  | GA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304685278 | Closed | 2025-05-08 00:04 | 2025-05-19 04:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower Gap Credit Report Provided. Resolved - Due Diligence Vendor-05/19/2025 <br>Ready for Review-Document Uploaded. Gap Report uploaded for review. - Buyer-05/16/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Gap report missing in file. - Due Diligence Vendor-05/08/2025 |  | Resolved-Borrower Gap Credit Report Provided. Resolved - Due Diligence Vendor-05/19/2025<br>| XXXX |  |  | GA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304685765 | Closed | 2025-05-09 02:43 | 2025-05-19 06:22 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-in findings - Due Diligence Vendor-05/19/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-05/15/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Intent To proceed Disclosure Missing In File <br> provide updated Doc - Due Diligence Vendor-05/09/2025 |  | Resolved-in findings - Due Diligence Vendor-05/19/2025<br>| XXXX |  |  | GA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304701903 | Closed | 2025-05-14 11:48 | 2025-05-16 13:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/16/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-05/15/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-05/14/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/16/2025<br>| XXXX |  |  | LA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304701903 | Closed | 2025-05-09 02:45 | 2025-05-14 12:10 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).XXXX(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 309-310 and the Final Closing disclosure on Pg#'s 163 reflects escrows. Rate lock date was entered correctly – see Pg#'s 355-356 An interior and exterior appraisal was completed for this property – see pg 20 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 446 , and copy of the appraisal was given to the borrower – see Pg#'s 13 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/09/2025 |  | Resolved-The loan's (8.349%) APR equals or exceeds the Federal HPML threshold of (8.31%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.81%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 309-310 and the Final Closing disclosure on Pg#'s 163 reflects escrows. Rate lock date was entered correctly – see Pg#'s 355-356 An interior and exterior appraisal was completed for this property – see pg 20 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 446 , and copy of the appraisal was given to the borrower – see Pg#'s 13 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/09/2025<br>|  |  |  | LA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692846 | Closed | 2025-05-28 11:52 | 2025-05-30 09:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Lender provided corrected Initial 1003. Finding resolved. - Due Diligence Vendor-05/30/2025 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-05/30/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/29/2025 <br>Open-The Initial 1003 is Missing Please provide fully executed Initial 1003 with application date of 4/3 in file. - Due Diligence Vendor-05/28/2025 |  | Resolved-Lender provided corrected Initial 1003. Finding resolved. - Due Diligence Vendor-05/30/2025 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-05/30/2025<br>| XXXX |  |  | UT | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692812 | Closed | 2025-05-13 03:06 | 2025-05-19 09:13 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)(1)(i)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#356-357 and the Final Closing disclosure on Pg#141-146, Finding reflects escrows. Rate lock date was entered correctly – see Pg#404. An interior and exterior appraisal was completed for this property – see pg#16-41, the appraisal disclosure was provided to the borrower(s)- see Pg#15, and confirmation the appraisal was delivered to the borrower – see Pg#451. The loan meets HPML guidelines, resolved<br> - Due Diligence Vendor-05/13/2025 |  | Resolved-The loan's (9.075%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#356-357 and the Final Closing disclosure on Pg#141-146, Finding reflects escrows. Rate lock date was entered correctly – see Pg#404. An interior and exterior appraisal was completed for this property – see pg#16-41, the appraisal disclosure was provided to the borrower(s)- see Pg#15, and confirmation the appraisal was delivered to the borrower – see Pg#451. The loan meets HPML guidelines, resolved<br> - Due Diligence Vendor-05/13/2025<br>|  |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709147 | Closed | 2025-05-14 06:27 | 2025-05-29 11:52 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Acknowledged-Lender acknowledges as immaterial. - Due Diligence Vendor-05/29/2025 <br>Ready for Review- On this loan we have a finding for the missing anti-steering disclosure but that is not something we as the lender provide. Can we move forward with downgrade and waiving? We have had this before. Please down to the EV2 - Buyer-05/29/2025 <br>Open-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, same is missing in file. - Due Diligence Vendor-05/14/2025 |  | Acknowledged-Lender acknowledges as immaterial. - Due Diligence Vendor-05/29/2025<br>|  |  |  | MN | Primary Residence | Purchase | NA | XXXX | Originator Post-Close | No |
| XXXX | XXXX |  | 304701957 | Closed | 2025-05-15 14:45 | 2025-05-19 16:10 | Acknowledged | 2 - Non-Material D B | Compliance | Missing Doc | The Final 1003 is Missing | Acknowledged-DH Acknowledges - Due Diligence Vendor-05/19/2025 <br>Unable to Resolve-Unable to Resolve-DH Agrees to waive; please downgrade to a Non-Material Grade 2.<br> - Buyer-05/16/2025 <br>Open-The Final 1003 is Missing Missing business entity final 1003 - Due Diligence Vendor-05/15/2025 |  | Acknowledged-DH Acknowledges - Due Diligence Vendor-05/19/2025<br>|  |  |  | PA | Investment | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | XXXX |  | 304701954 | Closed | 2025-05-21 08:43 | 2025-05-29 08:05 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Executed ITP provided, resolved. - Due Diligence Vendor-05/29/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Seller-05/28/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. ITP provided is not signed. - Due Diligence Vendor-05/21/2025 | Ready for Review-Document Uploaded. Uploaded for review - Seller-05/28/2025<br>| Resolved-Executed ITP provided, resolved. - Due Diligence Vendor-05/29/2025<br>| XXXX |  |  | TN | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304701954 | Closed | 2025-05-14 23:22 | 2025-05-29 08:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Client provided PCCD with title fees moved to section B as lender did not provide service providers for the borrower to shop. Resolved. - Due Diligence Vendor-05/29/2025 <br>Ready for Review-Document Uploaded. PCCD and LOX provided - Buyer-05/28/2025 <br>Counter-SPL provided has no service providers. - Due Diligence Vendor-05/21/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Seller-05/20/2025 <br>Open-Missing Service Provider List - Due Diligence Vendor-05/15/2025 | Ready for Review-Document Uploaded. Uploaded for review - Seller-05/20/2025<br>| Resolved-Client provided PCCD with title fees moved to section B as lender did not provide service providers for the borrower to shop. Resolved. - Due Diligence Vendor-05/29/2025<br>| XXXX |  |  | TN | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304701954 | Closed | 2025-05-14 23:23 | 2025-05-29 07:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-05/21/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-05/20/2025 <br>Open-Missing Homeownership Counseling Disclosure - Due Diligence Vendor-05/15/2025 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-05/21/2025<br>| XXXX |  |  | TN | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304701954 | Closed | 2025-05-14 02:18 | 2025-05-21 09:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial LE provided, resolved. - Due Diligence Vendor-05/21/2025 <br>Ready for Review-Document Uploaded. uploaded for review - Buyer-05/20/2025 <br>Open-Initial LE missing in file. - Due Diligence Vendor-05/14/2025 |  | Resolved-Initial LE provided, resolved. - Due Diligence Vendor-05/21/2025<br>| XXXX |  |  | TN | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304701954 | Closed | 2025-05-14 01:24 | 2025-05-21 09:51 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Initial LE provided. Resolved - Due Diligence Vendor-05/21/2025 <br> Ready for Review-Document Uploaded. Uploaded for review - Seller-05/20/2025 <br> Open-The Initial Loan Estimate Disclosure Date (XXXX) is more than 3 business days from the Application Date (XXXX). Three business days from the Application Date is (XXXX. Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application. (XXXX)(1)(iii)) Missing Initial LE - Due Diligence Vendor-05/14/2025 | Ready for Review-Document Uploaded. Uploaded for review - Seller-05/20/2025<br>| Resolved-Initial LE provided. Resolved - Due Diligence Vendor-05/21/2025<br>| XXXX |  |  | TN | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304701954 | Closed | 2025-05-14 23:24 | 2025-05-21 05:57 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Resolved-ABA Missing in file, provided ABA document changes made in system, Finding Resolved - Due Diligence Vendor-05/21/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-05/20/2025 <br>Open-Missing Affiliated Business Arrangement Disclosure Statement - Due Diligence Vendor-05/15/2025 |  | Resolved-ABA Missing in file, provided ABA document changes made in system, Finding Resolved - Due Diligence Vendor-05/21/2025<br>| XXXX |  |  | TN | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304701954 | Closed | 2025-05-15 00:12 | 2025-05-20 18:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present- Corrected 1003 provided, resolved. - Due Diligence Vendor-05/21/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Seller-05/20/2025 <br>Open-The Final 1003 is Incomplete Income on final 1003 is incorrect. - Due Diligence Vendor-05/15/2025 | Ready for Review-Document Uploaded. Uploaded for review - Seller-05/20/2025<br>| Resolved-The Final 1003 is Present- Corrected 1003 provided, resolved. - Due Diligence Vendor-05/21/2025<br>| XXXX |  |  | TN | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304701954 | Closed | 2025-05-15 00:20 | 2025-05-20 18:23 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file - Corrected 1008 provided. Resolved. - Due Diligence Vendor-05/21/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-05/20/2025 <br>Open-The 1008 document is missing from the loan file. Verified income is matching with final approval document on page#822. however, 1008 with different income. - Due Diligence Vendor-05/15/2025 |  | Resolved-The 1008 document is present in the loan file - Corrected 1008 provided. Resolved. - Due Diligence Vendor-05/21/2025<br>| XXXX |  |  | TN | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304701954 | Closed | 2025-05-14 01:24 | 2025-05-21 09:51 | Resolved | 1 - Information A | Compliance | Mavent | HigherPriced: APR | Resolved-This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 794 and the Final Closing disclosure on Pg#'s 501, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 416, 122. An interior and exterior appraisal was completed for this property – see pg 27, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 6, 860, and copy of the appraisal was given to the borrower – see Pg#'s 6 for delivery confirmation of the appraisal. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-05/21/2025 <br> Resolved-You submitted no impound amounts for property taxes on this HPML loan. Regulation Z prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance. A creditor or servicer may not cancel the escrow account until the earlier of: (1) termination of the underlying debt obligation or (2) FIVE years after consummation if the unpaid principal balance is less than XXXX% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (XXXX(b)) This loan failed the higher-priced mortgage loan test. (XXXX(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#794's and the Final Closing disclosure on Pg#'s 501 reflects escrows. Rate lock date was entered correctly – see Pg#'s 863 An interior and exterior appraisal was completed for this property – see pg 7 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 753 , and copy of the appraisal was given to the borrower – see Pg#'s 6 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/14/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 794 and the Final Closing disclosure on Pg#'s 501, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 416, 122. An interior and exterior appraisal was completed for this property – see pg 27, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 6, 860, and copy of the appraisal was given to the borrower – see Pg#'s 6 for delivery confirmation of the appraisal. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/21/2025 <br>Resolved-You submitted no impound amounts for property taxes on this HPML loan. Regulation Z prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance. A creditor or servicer may not cancel the escrow account until the earlier of: (1) termination of the underlying debt obligation or (2) FIVE years after consummation if the unpaid principal balance is less than 80% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (12 CFR 1026.35(b)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#794's and the Final Closing disclosure on Pg#'s 501 reflects escrows. Rate lock date was entered correctly – see Pg#'s 863 An interior and exterior appraisal was completed for this property – see pg 7 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 753 , and copy of the appraisal was given to the borrower – see Pg#'s 6 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/14/2025<br>|  |  |  | TN | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304701954 | Closed | 2025-05-14 01:24 | 2025-05-21 09:51 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (XXXXa)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 794 and the Final Closing disclosure on Pg#'s 501, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 416, 122. An interior and exterior appraisal was completed for this property – see pg 27, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 6, 860, and copy of the appraisal was given to the borrower – see Pg#'s 6 for delivery confirmation of the appraisal. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/21/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX(1)(i)) This loan failed the higher-priced mortgage loan test. (1XXXX(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#794's and the Final Closing disclosure on Pg#'s 501 reflects escrows. Rate lock date was entered correctly – see Pg#'s 863 An interior and exterior appraisal was completed for this property – see pg 7 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 753 , and copy of the appraisal was given to the borrower – see Pg#'s 6 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/14/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 794 and the Final Closing disclosure on Pg#'s 501, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 416, 122. An interior and exterior appraisal was completed for this property – see pg 27, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 6, 860, and copy of the appraisal was given to the borrower – see Pg#'s 6 for delivery confirmation of the appraisal. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/21/2025 <br>Resolved-The loan's (8.492%) APR equals or exceeds the Federal HPML threshold of (8.31%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.81%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#794's and the Final Closing disclosure on Pg#'s 501 reflects escrows. Rate lock date was entered correctly – see Pg#'s 863 An interior and exterior appraisal was completed for this property – see pg 7 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 753 , and copy of the appraisal was given to the borrower – see Pg#'s 6 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/14/2025<br>|  |  |  | TN | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304685767 | Closed | 2025-05-19 08:22 | 2025-05-27 07:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Per guidelines a business narrative or equivalent is required. - Due Diligence Vendor-05/27/2025 <br>Ready for Review-Document Uploaded. The verification of self- employment from CPA, online verification form Secretary of state and Box truck moving site provided data on how the business operates as well as full bank statements provided. The Business narrative form was not required by the underwriter as sufficient data was presented to determine how the business operates, length of time and future longevity of the company. - Buyer-05/23/2025 <br>Open-Self employed business narrative is missing in file - Due Diligence Vendor-05/19/2025 |  | Resolved-Per guidelines a business narrative or equivalent is required. - Due Diligence Vendor-05/27/2025<br>| XXXX |  |  | MO | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304685767 | Closed | 2025-05-14 04:01 | 2025-05-27 07:13 | Waived | 2 - Non-Material C B | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Waived- - Due Diligence Vendor-05/27/2025 <br>Ready for Review-Document Uploaded. Please find exception to clear this finding, thank you - Buyer-05/23/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Exception on page 1800 to extend expiration date of gap credit out by 2 days. Gap credit expires 4/28. Exception status is "N/A". Missing gap report within 10 days of closing<br>- Due Diligence Vendor-05/14/2025 |  |  | XXXX |  | LTV is 80%. Maximum allowed per guidelines is 85%.<br> Credit Score is 697. Minimum required per guidelines is 680.<br> Borrower(s) have 37.52 months Reserves. Minimum required per guidelines is 3 months. | MO | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 304685767 | Closed | 2025-05-14 05:41 | 2025-05-19 08:40 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)(1)(i)) .This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 825 and the Final Closing disclosure on Pg#'s 440 reflects escrows. Rate lock date was entered correctly – see Pg#'s 947 An interior and exterior appraisal was completed for this property – see pg 124-157 , the appraisal disclosure was provided to the borrower(s)- see Pg#'1326 , and copy of the appraisal was given to the borrower – see Pg#'s 1327 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/14/2025 |  | Resolved-The loan's (8.433%) APR equals or exceeds the Federal HPML threshold of (8.15%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(i)) .This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 825 and the Final Closing disclosure on Pg#'s 440 reflects escrows. Rate lock date was entered correctly – see Pg#'s 947 An interior and exterior appraisal was completed for this property – see pg 124-157 , the appraisal disclosure was provided to the borrower(s)- see Pg#'1326 , and copy of the appraisal was given to the borrower – see Pg#'s 1327 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/14/2025<br>|  |  |  | MO | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692847 | Closed | 2025-05-15 00:45 | 2025-06-04 06:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-WVOE and paystubs used to calculate income - Due Diligence Vendor-06/04/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-06/04/2025 <br>Ready for Review-Document Uploaded. My apologies, yes income used to qualify with Paystubs, Written VOE's and IRS transcripots previously provided. Please find URLA and 1008 with income calculations for your reference to clear this finding, thank you. - Seller-06/03/2025 <br>Counter-This is an expanded prime full doc wage earner - Due Diligence Vendor-06/02/2025 <br>Ready for Review-Document Uploaded. We do not have an income worksheet for DSCR other than the 1008 and the Market rent used to determine the DSCR ratio. - Buyer-06/02/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Borrower and Co-Borrower Lender Worksheet / Income Calculator is missing. - Due Diligence Vendor-05/15/2025 | Ready for Review-Document Uploaded. My apologies, yes income used to qualify with Paystubs, Written VOE's and IRS transcripots previously provided. Please find URLA and 1008 with income calculations for your reference to clear this finding, thank you. - Seller-06/03/2025<br>| Resolved-WVOE and paystubs used to calculate income - Due Diligence Vendor-06/04/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-06/04/2025<br>| XXXX |  |  | CO | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692847 | Closed | 2025-05-15 01:42 | 2025-06-02 12:38 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Gift not used to qualify - Due Diligence Vendor-06/02/2025 <br>Ready for Review-Document Uploaded. We did not use a gift to qualify, please clear as presented, thank you. - Buyer-06/02/2025 <br>Open-Asset Record 3 Does Not Meet G/L Requirements Gift is Not Deposited Wire or Proof of receipt Document is missing in file. - Due Diligence Vendor-05/15/2025 |  | Resolved-Gift not used to qualify - Due Diligence Vendor-06/02/2025<br>| XXXX |  |  | CO | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692847 | Closed | 2025-05-14 23:34 | 2025-05-30 04:04 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-1008 document Provided. - Due Diligence Vendor-05/30/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/30/2025 <br>Ready for Review-Document Uploaded. - Seller-05/29/2025 <br>Open-The 1008 document is missing from the loan file. 1008 Document is missing in file. - Due Diligence Vendor-05/15/2025 | Ready for Review-Document Uploaded. - Seller-05/29/2025<br>| Resolved-1008 document Provided. - Due Diligence Vendor-05/30/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/30/2025<br>| XXXX |  |  | CO | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692894 | Closed | 2025-05-20 11:17 | 2025-06-04 08:27 | Resolved | 1 - Information C A | Credit | Doc Issue | Right of Rescission missing or unexecuted | Resolved-RTC with corrected date uploaded - Due Diligence Vendor-06/04/2025 <br>Counter-Document Uploaded. - Due Diligence Vendor-06/04/2025 <br>Counter-The guidelines attached are for a Non-borrowing owner (NBO). The co-borrower is a Non-Occupant borrower in which will require a Right to Recession. As per guidelines attached on page 1, When a Non-Borrowing Owner ("NBO") (or Title Only) natural person has an ownership interest in a property that is their primary dwelling and that dwelling will be subject to the security interest, then, under Regulation Z, the NBO or Title Only natural person is entitled to the right to rescind and should receive a Notice of Right to Cancel. This is true even if the loan level occupancy type is not Primary for the Borrower. - Due Diligence Vendor-05/30/2025 <br>Ready for Review-Document Uploaded. co- borrower is non occupant borrower- subject is an investment property for him so no recession is required. - Seller-05/27/2025 <br>Counter-The attached Right of Rescission is for borrower 1. The Right of Rescission for Co-borrower is missing. - Due Diligence Vendor-05/22/2025 <br>Ready for Review-Document Uploaded. - Seller-05/20/2025 <br>Open-The Right of Rescission for Co-borrower is missing. - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. co- borrower is non occupant borrower- subject is an investment property for him so no recession is required. - Seller-05/27/2025 <br>Ready for Review-Document Uploaded. - Seller-05/20/2025<br>| Resolved-RTC with corrected date uploaded - Due Diligence Vendor-06/04/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692894 | Closed | 2025-05-29 18:26 | 2025-06-03 09:45 | Resolved | 1 - Information C A | Credit | Doc Issue | Initial Escrow Acct Disclosure missing; loan has escrows | Resolved-Resolved with upload - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. - Seller-06/03/2025 <br> Open-The Initial Escrow Acct Disclosure in file shows monthly escrow payment of $XXXX and the PCCD Escrow payment is $XXXX. Requesting updated Initial Escrow Acct Disclosure. - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. - Seller-06/03/2025<br>| Resolved-Resolved with upload - Due Diligence Vendor-06/03/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692894 | Closed | 2025-05-29 18:39 | 2025-06-03 08:24 | Resolved | 1 - Information C A | Compliance | Mavent | Rescission: Variance | Resolved-Resolved - Due Diligence Vendor-06/03/2025 <br> Open-The disclosed "Right to Cancel Expire Date" XXXX) is earlier than the system calculated "Right to Cancel Expire Date" XXXX). Under Reg Z, funds may not be disbursed to the borrower until the expiration of the rescission period. The Last Closing Disclosure (XXXX) was sent after Consummation, so the system assumes the CD with the "material disclosures" was provided before or on the (XXXX) Consummation Date. A "consumer" may exercise the right to rescind until midnight of the 3rd business day following consummation, receipt of the Notice of Right to Cancel, or delivery of all material disclosures, whichever occurs last. "Material disclosures" means the disclosure of the APR, the finance charge, the amount financed, the total of payments, the payment schedule, and the disclosures and limitations in sections 1026.32(c) and (d) and 1026.43(g) (if applicable). (XXXX) - Due Diligence Vendor-05/30/2025 |  | Resolved-Resolved - Due Diligence Vendor-06/03/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692894 | Closed | 2025-05-16 05:21 | 2025-05-30 14:33 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Verified the Matrix date / Guidelines are not loaded in system. Verified the Reserves are correct. - Due Diligence Vendor-05/30/2025 <br> Counter-The total amount of reserves required is $XXXX. The reserves including cash out in file is $XXXX or 6.82 months. XXXX months of reserves are required. - Due Diligence Vendor-05/30/2025 <br> Ready for Review-9 months reserves is XXXX and our borrower cash out was XXXXK - Seller-05/27/2025 <br> Counter-The assets in file total $XXXX. The Cash Out from transaction is $XXXX. 9 months of reserves are required and only 6.8 months are available in file. - Due Diligence Vendor-05/22/2025 <br> Ready for Review-borrower cash out XXXXK and cash out can be used for reserves - Seller-05/20/2025 <br> Open-Audited Reserves of 6.75 month(s) are less than Guideline Required Reserves of 9 month(s) Require additional assets to cover required reserves - Due Diligence Vendor-05/16/2025 | Ready for Review-9 months reserves is XXXX and our borrower cash out was XXXXK - Seller-05/27/2025 <br> Ready for Review-borrower cash out XXXXK and cash out can be used for reserves - Seller-05/20/2025 | Resolved-Verified the Matrix date / Guidelines are not loaded in system. Verified the Reserves are correct. - Due Diligence Vendor-05/30/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692894 | Closed | 2025-05-16 05:55 | 2025-05-30 14:08 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Resolved-Audited DTI of XXXX% is less than or equal to Guideline DTI of XXXX% - Due Diligence Vendor-05/30/2025 <br> Ready for Review-Document Uploaded. - Seller-05/27/2025 <br> Counter-Audited DTI of 50.62% exceeds Guideline DTI of XXXX% Calculated DTI ofXXXX% exceeds the guideline DTI for the below reason. The income total on the 1008's provided does not match the income provided on the 1003 or calculators. - Due Diligence Vendor-05/22/2025 <br> Ready for Review-Document Uploaded. - Seller-05/20/2025 <br> Open-Audited DTI of XXXX% exceeds Guideline DTI of XXXX% Calculated DTI ofXXXX% exceeds the guideline DTI for the below reasons.<br> 1. Monthly HOI premium on HOI policy pg#265 (which is matching with mortgagee clause) is $XXXX = $XXXX, whereas as another policy with the subject property address on pg#280 is showing $XXXX = $761.41, however the Final documents and 1008 is showing $XXXX as monthly premium. <br> 2. The Total of income on 1008 is incorrect, the total should be $XXXX, whereas the 1008 is showing as $XXXX along with b2 primary residence mortgage payments that is $XXXX, which is already included in Co-mtgs expenses.<br> 3. Monthly HOA Dues on Primary appraisal is $XXXX, the 2nd appraisal showing $638, whereas 1008 and Other final documents are showing $XXXX as HOA dues. - Due Diligence Vendor-05/16/2025 | Ready for Review-Document Uploaded. - Seller-05/27/2025 <br>Ready for Review-Document Uploaded. - Seller-05/20/2025<br>| Resolved-Audited DTI of 49.67% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-05/30/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692894 | Closed | 2025-05-16 07:14 | 2025-05-30 14:04 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/30/2025 <br> Ready for Review-Document Uploaded. - Seller-05/27/2025 <br> Counter-The 1008 is incomplete. The income total on the 1008's provided does not match the income provided on the 1003 or calculators. - Due Diligence Vendor-05/22/2025 <br> Ready for Review-Document Uploaded. - Seller-05/21/2025 <br> Counter-Countered for upload - Due Diligence Vendor-05/21/2025 <br> Ready for Review-Document Uploaded. - Seller-05/20/2025 <br> Open-The 1008 document is missing from the loan file. 1. The Total of income on 1008 is incorrect, the total should be $XXXX, whereas the 1008 is showing as $XXXX along with b2 primary residence mortgage payments that is $XXXX, which is already included in Co-mtgs expenses.<br> 2. Monthly HOI and HOA are not matching with the documents. - Due Diligence Vendor-05/16/2025 | Ready for Review-Document Uploaded. - Seller-05/27/2025 <br>Ready for Review-Document Uploaded. - Seller-05/21/2025 <br>Ready for Review-Document Uploaded. - Seller-05/20/2025<br>| Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/30/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692894 | Closed | 2025-05-16 05:53 | 2025-05-29 18:39 | Resolved | 1 - Information C A | Compliance | Rescission:Variance | Federal - Right of Rescission Variance Failure (TILA) | Resolved-PCCD uploaded and Mavent cleared. - Due Diligence Vendor-05/30/2025 <br> Ready for Review-Document Uploaded. - Seller-05/27/2025 <br> Counter-The provided settlement statement cannot be used with TRID documents. Requesting to provide updated PCCD. - Due Diligence Vendor-05/22/2025 <br> Ready for Review-Document Uploaded. file did not disbursed till XXXX- Seller-05/20/2025 <br> Open-The disclosed "Right to Cancel Expire Date" XXXX is earlier than the system calculated "Right to Cancel Expire Date" (XXXX. Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (XXXX(c) and Official Staff Commentary) The Right to Cancel Expire Date as per RTC isXXXX, whereas Disbursement date is XXXXand the closing date is XXXX, whereas the system calculated Right to Cancel Expire Date falls onXXXX which is on Saturday. - Due Diligence Vendor-05/16/2025 | Ready for Review-Document Uploaded. - Seller-05/27/2025 <br>Ready for Review-Document Uploaded. file did not disbursed till 5/15/2025 - Seller-05/20/2025<br>| Resolved-PCCD uploaded and Mavent cleared. - Due Diligence Vendor-05/30/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692894 | Closed | 2025-05-16 07:09 | 2025-05-22 14:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/22/2025 <br>Ready for Review-Document Uploaded. - Seller-05/20/2025 <br>Open-Missing Hazard Insurance Policy Monthly HOI premium on HOI policy pg#265 (which is matching with mortgagee clause) is $11144/12 = $928.66, whereas as another policy with the subject property address on pg#280 is showing $9137/12 = $761.41, however the Final documents and 1008 is showing $506.18 as monthly premium. - Due Diligence Vendor-05/16/2025 | Ready for Review-Document Uploaded. - Seller-05/20/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/22/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692894 | Closed | 2025-05-16 07:05 | 2025-05-21 01:32 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-HOA for subject is $638, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/21/2025 <br>Ready for Review-Document Uploaded. HOA for subject is 638<br> 225<br> 413<br> 638<br> - Seller-05/20/2025 <br>Open-Monthly HOA Dues on Primary appraisal is $616, the 2nd appraisal showing $638, whereas 1008 and Other final documents are showing $775.50 as HOA dues. - Due Diligence Vendor-05/16/2025 | Ready for Review-Document Uploaded. HOA for subject is 638<br> 225<br> 413<br> 638<br> - Seller-05/20/2025<br>| Resolved-HOA for subject is $638, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/21/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692894 | Closed | 2025-05-16 04:13 | 2025-05-21 01:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Preliminary Title Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/21/2025 <br>Resolved-Title Document is fully Present - Due Diligence Vendor-05/21/2025 <br>Ready for Review-Document Uploaded. - Seller-05/20/2025 <br>Open-Title Document is missing - Due Diligence Vendor-05/16/2025 | Ready for Review-Document Uploaded. - Seller-05/20/2025<br>| Resolved-Preliminary Title Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/21/2025 <br>Resolved-Title Document is fully Present - Due Diligence Vendor-05/21/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304701932 | Closed | 2025-05-16 06:07 | 2025-05-29 08:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Lender verifies no Affiliates - Due Diligence Vendor-05/29/2025 <br>Ready for Review-A letter saying they have no affiliates has always been accepted in the past, please explain why it is not this time. (if this is no longer acceptable, please give an example of a FACTS sheet as nobody here is familiar with that document) - Buyer-05/28/2025 <br>Counter-Please provide FACTS sheet confirming lender does not share - Due Diligence Vendor-05/23/2025 <br>Ready for Review-Document Uploaded. Affiliated Business Disclosure uploaded for review. - Seller-05/22/2025 <br>Open-Missing Affiliated RESPA Business Disclosure. - Due Diligence Vendor-05/16/2025 | Ready for Review-Document Uploaded. Affiliated Business Disclosure uploaded for review. - Seller-05/22/2025<br>| Resolved-Lender verifies no Affiliates - Due Diligence Vendor-05/29/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304701932 | Closed | 2025-05-16 05:53 | 2025-05-29 08:12 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Non-Conforming) | Resolved-Right to receive appraisal disclosure provide, loan meets HPMP GLs, resolved. - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Document Uploaded. Right to Receive appraisal disclosure reuploaded - Buyer-05/28/2025 <br> Counter-Please provide right to receive appraisal disclosure required to be issued to and executed by the borrower. - Due Diligence Vendor-05/23/2025 <br> Ready for Review-Document Uploaded. Appraisal Delivery proof uploaded for review. - Seller-05/22/2025 <br> Open-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The system determines the threshold by adding XXXX points to the comparable average prime offer rate index of (XXXX%). The System applied this threshold because this ($XXXX) loan exceeds (XXXX), which is the Freddie Mac conforming loan limit as of the date the loan's interest rate was set before consummation. (XXXX(a)(1)(ii)) This loan failed the higher-priced mortgage loan test. (XXXX(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 1070, 1156 and the Final Closing disclosure on Pg#'s 749. Rate lock date was entered correctly – see Pg#'s 1188. An interior and exterior appraisal was completed for this property – see pg# 121, 134, \*\*missing the appraisal disclosure\*\* Appraisal delivery status is on Pg#'s 116, <br> - Due Diligence Vendor-05/16/2025 | Ready for Review-Document Uploaded. Appraisal Delivery proof uploaded for review. - Seller-05/22/2025<br>| Resolved-Right to receive appraisal disclosure provide, loan meets HPMP GLs, resolved. - Due Diligence Vendor-05/29/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304701932 | Closed | 2025-05-16 08:21 | 2025-05-23 17:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-05/23/2025 <br>Ready for Review-Document Uploaded. Toolkit uploaded for review. - Seller-05/23/2025 <br>Open-Missing home loan toolkit - Due Diligence Vendor-05/16/2025 | Ready for Review-Document Uploaded. Toolkit uploaded for review. - Seller-05/23/2025<br>| Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-05/23/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304701932 | Closed | 2025-05-16 08:22 | 2025-05-23 17:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-05/23/2025 <br>Ready for Review-Document Uploaded. Homeowners Counseling Disclosure uploaded for review. - Buyer-05/23/2025 <br>Open-Missing Homeownership Counseling Disclosure. - Due Diligence Vendor-05/16/2025 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-05/23/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304701932 | Closed | 2025-05-16 06:05 | 2025-05-23 17:17 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-ITP provided, resolved. - Due Diligence Vendor-05/23/2025 <br>Ready for Review-Document Uploaded. Intent to Proceed uploaded for review. - Buyer-05/23/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing Intent to Proceed disclosure. - Due Diligence Vendor-05/16/2025 |  | Resolved-ITP provided, resolved. - Due Diligence Vendor-05/23/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304701932 | Closed | 2025-05-20 09:13 | 2025-05-22 16:55 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception Approved - Due Diligence Vendor-05/22/2025 <br>Unable to Resolve-Unable to Resolve-Document Uploaded. DH Approves Exception. - Buyer-05/22/2025 <br>Open-Loan does not conform to program guidelines UW exception - page #1728 for business Exception for business in existence for less than 2 years is approved. Borrower<br> purchased an existing business (established in 2009) in 1/23 (15 months) and has >2 years in the same line of work - Due Diligence Vendor-05/20/2025 |  | Waived-Exception Approved - Due Diligence Vendor-05/22/2025<br>| XXXX |  | 1. DTI is XXXX%. Maximum allowed per guidelines is XXXX%.<br> 2. Residual Income is $XXXX. Minimum Residual Income required per guidelines is $XXXX. <br> 3. Borrower has 10 months Reserves. Minimum required per guidelines is 6 months. | FL | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXX | XXXX |  | 304709158 | Closed | 2025-05-19 06:10 | 2025-05-23 17:19 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code XXXX(a); XXXXa)(1)(i)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#1176's IEAD and the Final Closing disclosure on Pg#'s 706, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 1247, . An interior and exterior appraisal was completed for this property – see pg#92, , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 66, and confirmation the appraisal was delivered to the borrower – see Pg#'s 1633. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/19/2025 |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.141%) equals or exceeds the California HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.88%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#1176's IEAD and the Final Closing disclosure on Pg#'s 706, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 1247, . An interior and exterior appraisal was completed for this property – see pg#92, , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 66, and confirmation the appraisal was delivered to the borrower – see Pg#'s 1633. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/19/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709158 | Closed | 2025-05-19 06:10 | 2025-05-22 05:44 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)(1)(i)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#1176's IEAD and the Final Closing disclosure on Pg#'s 706, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 1247, . An interior and exterior appraisal was completed for this property – see pg#92, , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 66, and confirmation the appraisal was delivered to the borrower – see Pg#'s 1633. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/19/2025 |  | Resolved-The loan's (9.141%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#1176's IEAD and the Final Closing disclosure on Pg#'s 706, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 1247, . An interior and exterior appraisal was completed for this property – see pg#92, , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 66, and confirmation the appraisal was delivered to the borrower – see Pg#'s 1633. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/19/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692777 | Closed | 2025-05-27 12:13 | 2025-06-02 08:28 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Document received, data updated - Due Diligence Vendor-06/02/2025 <br> Ready for Review-Document Uploaded. - Seller-05/30/2025 <br> Open-Loan discount fee on initial LE $XXXX increased to $XXXX on final CD, please provided COC - Due Diligence Vendor-05/27/2025 <br> Open-A Lender Credit for Excess Charges of ($XXXX), Principal Reduction for Excess Charges of ($XXXX), and general or specific lender credit increases of ($XXXX) were applied to the total fee variance of ($XXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-05/27/2025 | Ready for Review-Document Uploaded. - Seller-05/30/2025<br>| Resolved-Document received, data updated - Due Diligence Vendor-06/02/2025<br>| XXXX |  |  | SC | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692777 | Closed | 2025-05-19 03:18 | 2025-06-02 04:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | PUD Rider is Missing | Resolved-Requested PUD Rider Provided hence resolved. - Due Diligence Vendor-06/02/2025 <br>Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-06/02/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/29/2025 <br>Open-PUD Rider is Missing Provide PUD Rider is Missing in File. - Due Diligence Vendor-05/19/2025 |  | Resolved-Requested PUD Rider Provided hence resolved. - Due Diligence Vendor-06/02/2025 <br>Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-06/02/2025<br>| XXXX |  |  | SC | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692777 | Closed | 2025-05-19 05:33 | 2025-05-27 12:27 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Document received, data updated - Due Diligence Vendor-05/27/2025 <br>Ready for Review-Document Uploaded. - Seller-05/23/2025 <br>Open-TRID: Missing Closing Disclosure Initial Closing Disclosure Missing in File "Required to Run Mavent Report" - Due Diligence Vendor-05/19/2025 | Ready for Review-Document Uploaded. - Seller-05/23/2025<br>| Resolved-Document received, data updated - Due Diligence Vendor-05/27/2025<br>| XXXX |  |  | SC | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692777 | Closed | 2025-05-27 12:13 | 2025-05-27 12:26 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _283-287, 475___ and the Final Closing disclosure on Pg#'s _283___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __520___ An interior and exterior appraisal was completed for this property – see pg ____ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__57_ , and copy of the appraisal was given to the borrower – see Pg#'s __543___ for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-05/27/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _283-287, 475___ and the Final Closing disclosure on Pg#'s _283___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __520___ An interior and exterior appraisal was completed for this property – see pg ____ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__57_ , and copy of the appraisal was given to the borrower – see Pg#'s __543___ for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-05/27/2025<br>|  |  |  | SC | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692777 | Closed | 2025-05-27 12:13 | 2025-05-27 12:26 | Resolved | 1 - Information C A | Compliance | Mavent | HigherPriced: APR | Resolved-This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _283-287, 475___ and the Final Closing disclosure on Pg#'s _283___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __520___ An interior and exterior appraisal was completed for this property – see pg ____ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__57_ , and copy of the appraisal was given to the borrower – see Pg#'s __543___ for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-05/27/2025 <br> Open-You submitted no property tax impound amounts for this loan. Regulation Z prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes for loans secured by dwellings in condominiums, planned unit developments, or other common interest communities in which requires participation in a governing association, where the governing association has an obligation to the dwelling owners to maintain a master policy insuring all dwellings. A creditor or servicer may not cancel the escrow account until the earlier of: (1) termination of the underlying debt obligation or (2) FIVE years after consummation if the unpaid principal balance is less than 80% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (XXXXb)) - Due Diligence Vendor-05/27/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _283-287, 475___ and the Final Closing disclosure on Pg#'s _283___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __520___ An interior and exterior appraisal was completed for this property – see pg ____ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__57_ , and copy of the appraisal was given to the borrower – see Pg#'s __543___ for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-05/27/2025<br>|  |  |  | SC | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304702023 | Closed | 2025-05-23 13:15 | 2025-05-29 07:48 | Cured | 2 - Non-Material C B | Compliance | Mavent | NJ Fee Not Allowed- Administration Fee (Fee ID: 141) | Cured-Received refund via PCCD for the Admin Fee iao $374 - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Document Uploaded. - Seller-05/28/2025 <br> Open-Section 3:1-16.2 of the New Jersey Mortgage Loans, Fees, Obligations Provisions XXXX) does not allow Administration Fee (Fee ID: XXXX) to be charged to the Borrower in NJ. Section C- Admin/Processing Fee to Action Title Research iao $374. Provide tolerance cure or PCCD - Due Diligence Vendor-05/23/2025 | Ready for Review-Document Uploaded. - Seller-05/28/2025<br>| Cured-Received refund via PCCD for the Admin Fee iao $374 - Due Diligence Vendor-05/29/2025<br>| XXXX |  |  | NJ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304702023 | Closed | 2025-05-23 13:09 | 2025-05-29 07:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received executed Initial CD - Due Diligence Vendor-05/29/2025 <br>Ready for Review-Document Uploaded. - Seller-05/28/2025 <br>Open-TRID: Missing Closing Disclosure Provide executed Initial CD and Disclosure Tracking Summary - Due Diligence Vendor-05/23/2025 | Ready for Review-Document Uploaded. - Seller-05/28/2025<br>| Resolved-Received executed Initial CD - Due Diligence Vendor-05/29/2025<br>| XXXX |  |  | NJ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304702023 | Closed | 2025-05-23 05:53 | 2025-05-29 06:56 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Received COC's dated XXXX for the Final Inspection Fee (XXXX) iao $XXXX and dated XXXX for the Points - Loan Discount Fee iao XXXX% iao $XXXX - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Document Uploaded. - Seller-05/28/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee, Inspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXXX(e)(3); XXXX(e)(4); XXXX(f)(2)(v)). The Points - Loan Discount Fee iao XXXX% iao $XXXX and Final Inspection Fee (XXXX) iao $XXXX were added . Provide COC's for each. - Due Diligence Vendor-05/23/2025 | Ready for Review-Document Uploaded. - Seller-05/28/2025<br>| Resolved-Received COC's dated 05/13/2025 for the Final Inspection Fee (1004D) iao $XXXX and datedXXXX for the Points - Loan Discount Fee iao XXXX% iao $XXXX - Due Diligence Vendor-05/29/2025 | XXXX |  |  | NJ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304702023 | Closed | 2025-05-27 08:24 | 2025-05-29 06:47 | Resolved | 1 - Information D A | Credit | Missing Doc | File does not contain all required Asset Statement(s) | Resolved-Asset Worksheet received - Due Diligence Vendor-05/29/2025 <br>Ready for Review-Document Uploaded. - Seller-05/28/2025 <br>Open-Provide Asset Worksheet - Due Diligence Vendor-05/27/2025 | Ready for Review-Document Uploaded. - Seller-05/28/2025<br>| Resolved-Asset Worksheet received - Due Diligence Vendor-05/29/2025<br>| XXXX |  |  | NJ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709083 | Closed | 2025-05-23 09:32 | 2025-05-28 08:33 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-Enhanced desk review provided, resolved. - Due Diligence Vendor-05/28/2025 <br> Ready for Review-Document Uploaded. Uploaded for review - Buyer-05/26/2025 <br> Open-Second Appraisal/ Valuation is Missing Required for Securitizations CU score is greater than XXXX. Missing desk review. - Due Diligence Vendor-05/23/2025 |  | Resolved-Enhanced desk review provided, resolved. - Due Diligence Vendor-05/28/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709083 | Closed | 2025-05-20 02:40 | 2025-05-27 05:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided. Resolved - Due Diligence Vendor-05/27/2025 <br>Ready for Review-Document Uploaded. attached - Buyer-05/23/2025 <br>Open-Missing Third Party Fraud Report provide fraud report - Due Diligence Vendor-05/20/2025 |  | Resolved-Third Party Fraud Report is provided. Resolved - Due Diligence Vendor-05/27/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709083 | Closed | 2025-05-20 22:25 | 2025-05-27 05:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report provided. Resolved - Due Diligence Vendor-05/27/2025 <br>Ready for Review-Document Uploaded. gap refresh - Buyer-05/23/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing gap report. - Due Diligence Vendor-05/22/2025 |  | Resolved-Borrower 1 Gap Credit Report provided. Resolved - Due Diligence Vendor-05/27/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709077 | Closed | 2025-05-20 22:46 | 2025-05-31 05:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Provided. Resolved - Due Diligence Vendor-05/31/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-05/30/2025 <br>Open-Borrower 1 Business Bank Statements Missing Provide 12 month bank statement missing in file. - Due Diligence Vendor-05/21/2025 |  | Resolved-Borrower 1 Business Bank Statements Provided. Resolved - Due Diligence Vendor-05/31/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692756 | Closed | 2025-05-21 03:51 | 2025-06-10 06:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | Texas Home Equity PUD Rider is Missing | Resolved-Updated Appraisal uploaded, Property Type is verified to be SFR, Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/10/2025 <br>Ready for Review-Document Uploaded. Property not in a PUD - Buyer-06/09/2025 <br>Open-Texas Home Equity PUD Rider is Missing Subject is a PUD per the appraisal. The Security Instrument "Riders" section was not so marked nor was a PUD Rider included. - Due Diligence Vendor-05/21/2025 |  | Resolved-Updated Appraisal uploaded, Property Type is verified to be SFR, Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/10/2025<br>| XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692756 | Closed | 2025-05-21 03:51 | 2025-06-10 06:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | Texas Home Equity Receipt Of Documents is Missing | Resolved-Receipt of Documents provided in Findings: XXXX_ XXXX Resolved. - Due Diligence Vendor-06/02/2025 <br> Ready for Review-Document Uploaded. Receipt of Documents reuploaded for review. - Buyer-06/02/2025 <br> Open-Texas Home Equity Receipt Of Documents is Missing - Due Diligence Vendor-05/21/2025 |  | Resolved-Receipt of Documents provided in Findings: 5250489581_SAGER REC OF DOCS.PDF. Resolved. - Due Diligence Vendor-06/02/2025<br>| XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692756 | Closed | 2025-05-21 03:51 | 2025-06-10 06:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | Premium Pricing Disclosure T64 Form is Missing | Resolved-T64 Disclosure provided. Resolved - Due Diligence Vendor-06/10/2025 <br>Ready for Review-Document Uploaded. T64 uploaded for review. - Buyer-06/09/2025 <br>Open-Premium Pricing Disclosure T64 Form is Missing - Due Diligence Vendor-05/21/2025 |  | Resolved-T64 Disclosure provided. Resolved - Due Diligence Vendor-06/10/2025<br>| XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692756 | Closed | 2025-05-21 03:53 | 2025-06-02 16:28 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-x - Due Diligence Vendor-06/02/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).XXXX)(1)(i)) This loan failed the higher-priced mortgage loan test. (XXXX(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 922 and the Final Closing disclosure on Pg#'s 440 reflects escrows. Rate lock date was entered correctly – see Pg#'s 991 An interior and exterior appraisal was completed for this property – see pg 85, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 1263, and copy of the appraisal was given to the borrower – see Pg#'s 110 for the copy of the disclosure. The loan meets XXXX guidelines. Resolved. - Due Diligence Vendor-06/02/2025 <br> Ready for Review-Is something needed for this condition or is it just informational? - Seller-05/30/2025 <br> Open-The loan's (8.321%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)(1)(i)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 922 and the Final Closing disclosure on Pg#'s 440 reflects escrows. Rate lock date was entered correctly – see Pg#'s 991 An interior and exterior appraisal was completed for this property – see pg 85 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 1263, and copy of the appraisal was given to the borrower – see Pg#'s 110 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/21/2025 | Ready for Review-Is something needed for this condition or is it just informational? - Seller-05/30/2025<br>| Resolved-x - Due Diligence Vendor-06/02/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)(1)(i)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 922 and the Final Closing disclosure on Pg#'s 440 reflects escrows. Rate lock date was entered correctly – see Pg#'s 991 An interior and exterior appraisal was completed for this property – see pg 85, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 1263, and copy of the appraisal was given to the borrower – see Pg#'s 110 for the copy of the disclosure. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-06/02/2025 |  |  |  | TX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304717790 | Closed | 2025-05-22 22:42 | 2025-05-30 07:52 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Resolved-Lender provided Escrow disclosure. Condition resolved. - Due Diligence Vendor-05/30/2025 <br>Ready for Review-Document Uploaded. IEADS attached. - Buyer-05/29/2025 <br>Open-Taxes and insurance are escrowed but Initial Escrow Disclosure is missing in file. - Due Diligence Vendor-05/23/2025 |  | Resolved-Lender provided Escrow disclosure. Condition resolved. - Due Diligence Vendor-05/30/2025<br>| XXXX |  |  | NV | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304717790 | Closed | 2025-05-22 06:23 | 2025-05-30 05:24 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report provided. Resolved - Due Diligence Vendor-05/30/2025 <br>Ready for Review-Document Uploaded. attached - Seller-05/29/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Provide Borrower Gap Credit Report within 10 days of closing. - Due Diligence Vendor-05/22/2025 | Ready for Review-Document Uploaded. attached - Seller-05/29/2025<br>| Resolved-Borrower 1 Gap Credit Report provided. Resolved - Due Diligence Vendor-05/30/2025<br>| XXXX |  |  | NV | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304717790 | Closed | 2025-05-22 06:58 | 2025-05-30 05:19 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Wire proof of $XXXX provided. Resolved - Due Diligence Vendor-05/30/2025 <br> Ready for Review-Document Uploaded. attached. - Buyer-05/29/2025 <br> Open-Asset 4 Does Not Meet Guideline Requirements We have gift letter of $100,000 at page #250 but amount not deposited borrowers account, borrower assets qualified with gift letter amount we need wire confirmation of $XXXX - Due Diligence Vendor-05/22/2025 |  | Resolved-Wire proof of $100,000 provided. Resolved - Due Diligence Vendor-05/30/2025<br>| XXXX |  |  | NV | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304717790 | Closed | 2025-05-22 06:58 | 2025-05-30 05:19 | Resolved | 1 - Information C A | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Resolved-Wire proof of $XXXX provided. Resolved - Due Diligence Vendor-05/30/2025 <br> Ready for Review-Document Uploaded. attached. - Buyer-05/29/2025 <br> Open-Asset 5 Does Not Meet Guideline Requirements We have gift letter of $XXXX at page #251 but amount not deposited borrowers account, borrower assets qualified with gift letter amount we need wire confirmation of $20,000. - Due Diligence Vendor-05/22/2025 |  | Resolved-Wire proof of $20,000 provided. Resolved - Due Diligence Vendor-05/30/2025<br>| XXXX |  |  | NV | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709142 | Closed | 2025-05-22 02:21 | 2025-06-10 18:45 | Resolved | 1 - Information C A | Compliance | Mavent | License: Loan Originator | Resolved-Lender provided XXXX access confirming LO is authorized in XXXX. Finding resolved. - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Document Uploaded. Company NMLS is approved - Buyer-06/09/2025 <br> Open-The loan originator does not have a license in AZ as of 2025-05-19 LO is not authorized to work in XXXX state, and in XXXX it is showing as LO not currently authorized. - Due Diligence Vendor-05/22/2025 |  | Resolved-Lender provided NMLS access confirming LO is authorized in AZ. Finding resolved. - Due Diligence Vendor-06/11/2025<br>| XXXX |  |  | AZ | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709142 | Closed | 2025-05-22 06:09 | 2025-06-10 06:43 | Resolved | 1 - Information C A | Property | Property | Flip or Rapid Resale of Property | Resolved-The seller acquired the property in the past 91-180 days and there was a 20% increase in the sales price. A second appraisal was performed as per the requirement. Verified - Resolved. - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. a second appraisal was performed due to prop flip. please see uplaoded 2nd acceptable appraisal valuation. Please clear this finding as presented, thank you - Buyer-06/09/2025 <br> Open-subject property Date of prior sale is 01/03/2025 with sale amount of $372,321, but now property sales price increase more than XXXX% of prior sale amount. - Due Diligence Vendor-05/22/2025 |  | Resolved-The seller acquired the property in the past 91-180 days and there was a XXXX% increase in the sales price. A second appraisal was performed as per the requirement. Verified - Resolved. - Due Diligence Vendor-06/10/2025 | XXXX |  |  | AZ | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692874 | Closed | 2025-05-28 09:43 | 2025-07-02 05:49 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/02/2025 <br>Ready for Review-Document Uploaded. Fraud Report - Buyer-07/01/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows Uncleared HIgh Alerts without cleared comments, a processor cert was not provided - Due Diligence Vendor-05/28/2025 |  | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/02/2025<br>| XXXX |  |  | MD | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304701904 | Closed | 2025-05-27 00:05 | 2025-05-27 13:48 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-resolved - Due Diligence Vendor-05/27/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)(1)(i)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 814, and the Final Closing disclosure on Pg#'s 312, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 873. An interior and exterior appraisal was completed for this property – see pg# 67, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 869, and confirmation the appraisal was delivered to the borrower – see Pg#'s 57. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/27/2025 |  | Resolved-resolved - Due Diligence Vendor-05/27/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).XXXX (a)(1)(i)) This loan failed the higher-priced mortgage loan test. (XXXX(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 814, and the Final Closing disclosure on Pg#'s 312, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 873. An interior and exterior appraisal was completed for this property – see pg# 67, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 869, and confirmation the appraisal was delivered to the borrower – see Pg#'s 57. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/27/2025 |  |  |  | GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709113 | Closed | 2025-05-26 01:20 | 2025-06-04 08:02 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Hazard Insurance Effective date is greater than note date, updated document provided, changes made in system, finding Resolved - Due Diligence Vendor-06/04/2025 <br> Resolved-Hazard Insurance Effective Date of 05-12-2025 is prior to or equal to the Note Date of XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document Uploaded. - Buyer-06/03/2025 <br> Open-Hazard Insurance Effective Date of 05-23-2025 is after the Note Date of XXXX Missing insurance policy effective prior to close. - Due Diligence Vendor-05/26/2025 |  | Resolved-Hazard Insurance Effective date is greater than note date, updated document provided, changes made in system, finding Resolved - Due Diligence Vendor-06/04/2025 <br> Resolved-Hazard Insurance Effective Date of XXXX is prior to or equal to the Note Date XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-06/04/2025 | XXXX |  |  | WA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709113 | Closed | 2025-05-26 21:54 | 2025-06-04 03:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Requested Initial CD Provided hence resolved.<br> - Due Diligence Vendor-06/04/2025 <br>Ready for Review-Document Uploaded. - Buyer-06/03/2025 <br>Open-TRID: Missing Closing Disclosure Initial Closing Disclosure missing from file - Due Diligence Vendor-05/27/2025 |  | Resolved-Requested Initial CD Provided hence resolved.<br> - Due Diligence Vendor-06/04/2025<br>| XXXX |  |  | WA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709145 | Closed | 2025-05-29 00:15 | 2025-05-30 10:41 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income/Employment General | Waived-Exception in file on page#1345: for current business in existence for <2 years is approved. Current business established in 8/2023 with total of 4 years S/E.<br> - Due Diligence Vendor-05/29/2025 |  | Waived-Exception in file on page#1345: for current business in existence for <2 years is approved. Current business established XXXX in with total of 4 years S/E.<br> - Due Diligence Vendor-05/29/2025 |  |  | Compensating factors:<br> 1. Borrower(s) have XXXX months Reserves. Minimum required per guidelines is 6 months.<br> 2. Credit Score is XXXX. Minimum required per guidelines is XXXX.<br> 3. residual income- $XXXX minimum per guidelines is $XXXX | CA | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 304709097 | Closed | 2025-05-25 22:48 | 2025-06-10 06:33 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Requested updated title report provided with updated coverage amount that covers loan amount hence resolved. - Due Diligence Vendor-06/10/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. Updated title uploaded for review. - Buyer-06/09/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount Updated title not in file covering minimum loan amount of $XXXX - Due Diligence Vendor-05/26/2025 |  | Resolved-Requested updated title report provided with updated coverage amount that covers loan amount hence resolved. - Due Diligence Vendor-06/10/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-06/10/2025 | XXXX |  |  | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709097 | Closed | 2025-05-30 11:36 | 2025-06-05 06:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-06/05/2025 <br>Ready for Review-Document Uploaded. Gap Report uploaded for review. - Seller-06/03/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. Gap Report uploaded for review. - Seller-06/03/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-06/05/2025<br>| XXXX |  |  | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709097 | Closed | 2025-05-30 11:32 | 2025-06-02 13:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Final CD dated 5/15/2025 provided and signed by the borrower<br> - Due Diligence Vendor-06/02/2025 <br>Ready for Review-Document Uploaded. Signed Final CD uploaded for review. - Buyer-05/31/2025 <br>Open-TRID: Missing Closing Disclosure Missing borrower signed Final Closing disclosure. - Due Diligence Vendor-05/30/2025 |  | Resolved-Final CD dated XXXX provided and signed by the borrower<br> - Due Diligence Vendor-06/02/2025 | XXXX |  |  | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709097 | Closed | 2025-06-02 12:56 | 2025-06-02 13:15 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Resolved - Due Diligence Vendor-06/02/2025 <br> Open-A Lender Credit for Excess Charges of ($XXXX), Principal Reduction for Excess Charges of ($XXXX), and general or specific lender credit increases of ($XXXX) were applied to the total fee variance of ($XXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-06/02/2025 |  | Resolved-Resolved - Due Diligence Vendor-06/02/2025<br>|  |  |  | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692781 | Closed | 2025-05-28 02:29 | 2025-06-17 15:17 | Acknowledged | 2 - Non-Material B | Compliance | HigherPriced:APR | North Carolina - Rate Spread Home Loan (First Lien 10/13)(Conforming) | Acknowledged-Per External Counsel, it is appropriate to waive to a grade B. - Due Diligence Vendor-06/17/2025 <br> Waived-Per External Counsel, it is appropriate to waive to a grade B. - Due Diligence Vendor-06/02/2025 <br> Ready for Review-Per Legal: So long as a NC Rate Spread Loan does not violate any Federal Laws, then there is no legal consequence in originating or purchasing a NC Rate Spread Loan. - Buyer-06/02/2025 <br> Open-The loan's (XXXX%) APR equals or exceeds the North Carolina Rate Spread Home Loan first lien conforming loan threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (XXXX%).(XXXX(a1); 15 USC XXXX(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) State specific Finding . - Due Diligence Vendor-05/28/2025 |  | Acknowledged-Per External Counsel, it is appropriate to waive to a grade B. - Due Diligence Vendor-06/17/2025 <br>Waived-Per External Counsel, it is appropriate to waive to a grade B. - Due Diligence Vendor-06/02/2025<br>|  |  |  | NC | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | XXXX |  | 304692781 | Closed | 2025-05-30 14:57 | 2025-06-03 13:30 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Hazard Insurance Policy is Missing | Waived-Exception Approved - Due Diligence Vendor-06/03/2025 <br>Unable to Resolve-Unable to Resolve-DH approves exception. Borrower has an individual policy that provides full coverage of the property. - Buyer-06/02/2025 <br>Open-The subject property is a PUD. Provide HOA/PUD master insurance policy as required per 12.2.1. - Due Diligence Vendor-05/30/2025 |  | Waived-Exception Approved - Due Diligence Vendor-06/03/2025<br>|  |  | Borrower has an individual policy that provides full coverage of the property<br> XXXX FICO | NC | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | XXXX |  | 304692781 | Closed | 2025-05-28 02:29 | 2025-05-30 15:12 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)(1)(i)) This loan failed the higher-priced mortgage loan test. XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # 477 IEAD and the Final Closing disclosure on Pg#'s 205, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s507, An interior and exterior appraisal was completed for this property – see pg# 23, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 491, and confirmation the appraisal was delivered to the borrower – see Pg#'s 8. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/28/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)(1)(i)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # 477 IEAD and the Final Closing disclosure on Pg#'s 205, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s507, An interior and exterior appraisal was completed for this property – see pg# 23, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 491, and confirmation the appraisal was delivered to the borrower – see Pg#'s 8. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/28/2025 |  |  |  | NC | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709152 | Closed | 2025-05-28 06:27 | 2025-06-18 09:48 | Resolved | 1 - Information C A | Compliance | Mavent | License: Loan Originator | Resolved-Lender confirmed South Carolina permits unlicensed brokers to be involved in transactions for investment properties. Finding resolved. - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. South Carolina permits unlicensed brokers to be involved in transactions for investment properties. Based on this, please clear the associated finding. - Buyer-06/17/2025 <br> Open-The loan originator does not have a license in SC as of XXXX- Due Diligence Vendor-05/28/2025 |  | Resolved-Lender confirmed South Carolina permits unlicensed brokers to be involved in transactions for investment properties. Finding resolved. - Due Diligence Vendor-06/18/2025<br>| XXXX |  |  | SC | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304701905 | Closed | 2025-05-29 20:19 | 2025-05-31 04:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Final signed Business Purpose Affidavit Disclosure Provided. Resolved - Due Diligence Vendor-05/31/2025 <br>Ready for Review-Document Uploaded. see attached - Buyer-05/30/2025 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Provide Final Business Purpose Affidavit Disclosure. Initial Business Purpose Affidavit Disclosure in file. - Due Diligence Vendor-05/30/2025 |  | Resolved-Final signed Business Purpose Affidavit Disclosure Provided. Resolved - Due Diligence Vendor-05/31/2025<br>| XXXX |  |  | IN | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709073 | Closed | 2025-05-30 11:47 | 2025-06-12 05:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Requested Consumer Caution Home Loan Toolkit Provided Hence resolved. - Due Diligence Vendor-06/12/2025 <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-06/12/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-06/11/2025 <br>Open-Consumer Caution and Home Owner Counseling Notice is Missing in file. - Due Diligence Vendor-05/30/2025 |  | Resolved-Requested Consumer Caution Home Loan Toolkit Provided Hence resolved. - Due Diligence Vendor-06/12/2025 <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-06/12/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709073 | Closed | 2025-05-30 10:44 | 2025-06-12 04:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Requested Third Party Fraud Report Provided hence resolved. - Due Diligence Vendor-06/12/2025 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-06/12/2025 <br>Ready for Review-Document Uploaded. Uploaded - Buyer-06/11/2025 <br>Open-Missing Third Party Fraud Report Fraud Report Document is Missing. - Due Diligence Vendor-05/30/2025 |  | Resolved-Requested Third Party Fraud Report Provided hence resolved. - Due Diligence Vendor-06/12/2025 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-06/12/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304701994 | Closed | 2025-05-30 02:10 | 2025-06-13 16:47 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Acknowledged-DH Acknowledges - Due Diligence Vendor-06/13/2025 <br>Ready for Review-acknowledged, we are unable to provide since this is not something the lender provides. - Buyer-06/13/2025 <br>Counter-Required for Primary Residence, acknowledge if unable to provide. - Due Diligence Vendor-06/12/2025 <br>Ready for Review-This disclosure is required of the broker, not the lender and therefore we do not expect Selene to test for the presence of this disclosure and would not expect to have a finding for a lack thereof. Please clear this as presented. - Buyer-06/06/2025 <br>Open-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure. - Due Diligence Vendor-05/30/2025 |  | Acknowledged-DH Acknowledges - Due Diligence Vendor-06/13/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXX | XXXX |  | 304709078 | Closed | 2025-05-30 11:13 | 2025-06-09 02:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report provided. Resolved - Due Diligence Vendor-06/09/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-06/08/2025 <br>Open-Credit report dated 5/5 is in file, we are missing the Gap report, please provide. - Due Diligence Vendor-06/04/2025 <br>Ready for Review-Document Uploaded. Please review uploaded Credit Report - Buyer-06/03/2025 <br>Open-Borrower 1 Gap Credit Report is Missing in file. - Due Diligence Vendor-05/30/2025 |  | Resolved-Borrower 1 Gap Credit Report provided. Resolved - Due Diligence Vendor-06/09/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709078 | Closed | 2025-05-30 12:43 | 2025-06-03 15:53 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-resolved. - Due Diligence Vendor-06/03/2025 <br> Open-. - Due Diligence Vendor-06/03/2025 <br> Resolved-resolved. - Due Diligence Vendor-06/02/2025 <br> Rescinded-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code XXXX(a); XXXX(1)(i)) This loan failed the higher-priced mortgage loan test. (XXXX(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 373 and the Final Closing disclosure on Pg#'s 208, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 392. An interior and exterior appraisal was completed for this property – see pg 26, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 388, and confirmation the appraisal was delivered to the borrower – see Pg#'s 187, 26, 42. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/30/2025 |  | Resolved-resolved. - Due Diligence Vendor-06/03/2025 <br> Resolved-resolved. - Due Diligence Vendor-06/02/2025 <br> Rescinded-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX. Fin. Code XXXX(a); XXXX)(1)(i)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 373 and the Final Closing disclosure on Pg#'s 208, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 392. An interior and exterior appraisal was completed for this property – see pg 26, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 388, and confirmation the appraisal was delivered to the borrower – see Pg#'s 187, 26, 42. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/30/2025 |  |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709078 | Closed | 2025-05-30 12:43 | 2025-06-03 15:53 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-resolved. - Due Diligence Vendor-06/03/2025 <br>Open-. - Due Diligence Vendor-06/03/2025 <br>Resolved-resolved. - Due Diligence Vendor-06/02/2025 <br>Rescinded-The loan's (8.338%) APR equals or exceeds the Federal HPML threshold of (8.24%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.74%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 373 and the Final Closing disclosure on Pg#'s 208, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 392. An interior and exterior appraisal was completed for this property – see pg 26, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 388, and confirmation the appraisal was delivered to the borrower – see Pg#'s 187, 26, 42. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/30/2025 |  | Resolved-resolved. - Due Diligence Vendor-06/03/2025 <br> Resolved-resolved. - Due Diligence Vendor-06/02/2025 <br> Rescinded-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).XXXX)(1)(i)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 373 and the Final Closing disclosure on Pg#'s 208, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 392. An interior and exterior appraisal was completed for this property – see pg 26, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 388, and confirmation the appraisal was delivered to the borrower – see Pg#'s 187, 26, 42. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/30/2025 |  |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304701901 | Closed | 2025-05-30 04:16 | 2025-05-31 04:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Income Calculation worksheet provided. Resolved - Due Diligence Vendor-05/31/2025 <br>Ready for Review-Document Uploaded. attached - Buyer-05/30/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender Worksheet is missing in File. - Due Diligence Vendor-05/30/2025 |  | Resolved-Income Calculation worksheet provided. Resolved - Due Diligence Vendor-05/31/2025<br>| XXXX |  |  | NH | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709125 | Closed | 2025-06-03 04:36 | 2025-07-02 05:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Income Worksheet missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-07/02/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-07/02/2025 <br>Ready for Review-Document Uploaded. Please see the attached income - Seller-07/01/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Income Calculator is Missing is missing file Income is Calculated based on the Business Bank statements - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. Please see the attached income - Seller-07/01/2025<br>| Resolved-Income Worksheet missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-07/02/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-07/02/2025<br>| XXXX |  |  | CO | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709125 | Closed | 2025-06-03 04:05 | 2025-06-27 05:28 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Tolerance cure provided. - Due Diligence Vendor-06/27/2025 <br> Ready for Review-Document Uploaded. No Change of Circumstance (COC) is required in this case, as the borrower has already been provided with the over-tolerance cure of $XXXX. This amount fully accounts for the increase in the appraisal fee and is compliant with tolerance cure requirements. Therefore, no additional documentation or action is necessary beyond what has already been provided. Please see section J of the final CD signed at closing. <br> - Buyer-06/26/2025 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($XXXX) were applied to the total fee variance of ($XXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. There is an COC available on page no-499 as mentioned Tolerance Cure but Changed Circumstance Description is missing. - Due Diligence Vendor-06/03/2025 |  | Resolved-Tolerance cure provided. - Due Diligence Vendor-06/27/2025<br>| XXXX |  |  | CO | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709125 | Closed | 2025-06-03 04:04 | 2025-06-26 08:26 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Acknowledged-Acknowledged. - Due Diligence Vendor-06/26/2025 <br>Ready for Review-This condition is an EV2, so we can simply acknowledge the immaterial grade. - Seller-06/25/2025 <br>Open-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. Broker fee is marked as paid by lender, however; Anti-Steering Disclosure, is missing. - Due Diligence Vendor-06/03/2025 | Ready for Review-This condition is an EV2, so we can simply acknowledge the immaterial grade. - Seller-06/25/2025<br>| Acknowledged-Acknowledged. - Due Diligence Vendor-06/26/2025<br>|  |  |  | CO | Primary Residence | Purchase | NA | XXXX | Originator Post-Close | No |
| XXXX | XXXX |  | 304709125 | Closed | 2025-06-03 04:05 | 2025-06-03 04:08 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)(1)(i)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 560-565and the Final Closing disclosure on Pg#'s 505-510 reflects escrows. Rate lock date was entered correctly – see Pg#'s 971 An interior and exterior appraisal was completed for this property – see pg 105-132 the appraisal disclosure was provided to the borrower(s)- see Pg#'s105-132 , and copy of the appraisal was given to the borrower – see Pg#'s 105-132for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-06/03/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX(1)(i)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 560-565and the Final Closing disclosure on Pg#'s 505-510 reflects escrows. Rate lock date was entered correctly – see Pg#'s 971 An interior and exterior appraisal was completed for this property – see pg 105-132 the appraisal disclosure was provided to the borrower(s)- see Pg#'s105-132 , and copy of the appraisal was given to the borrower – see Pg#'s 105-132for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-06/03/2025 |  |  |  | CO | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304719939 | Closed | 2025-06-05 15:51 | 2025-07-01 10:34 | Acknowledged | 2 - Non-Material B | Compliance | HigherPriced:APR | North Carolina - Rate Spread Home Loan (First Lien 10/13)(Conforming) | Waived-Per External XXXX" It is appropriate to waive to XXXX" - Due Diligence Vendor-06/26/2025 <br> Ready for Review-Document Uploaded. Please see the attached compliance and late fee complying with nc law - Buyer - XXXX<br> Open-The loan's (XXXX%) APR equals or exceeds the XXXX XXXX Rate XXXXLoan first lien conforming loan threshold of (XXXX%). The threshold is determined by adding XXXXpoints to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a XXXXunit dwelling is (XXXX%).(XXXX); XXXX; XXXX)) XXXX- XXXX- Rate Spread Home Loan (First Lien XXXX)(Conforming) - The loan's (XXXX%) APR equals or exceeds the XXXX first lien conforming loan threshold of (XXXX%). The threshold is determined by adding XXXXpoints to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (XXXX%).(XXXX); XXXX); XXXX)) - Due Diligence Vendor-06/05/2025 |  | Waived-Per XXXX XXXX " It is appropriate to waive to XXXX" - Due Diligence Vendor-06/26/2025 | XXXX |  |  | NC | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXX | XXXX |  | 304719939 | Closed | 2025-06-02 01:06 | 2025-06-26 08:39 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Acknowledged- - Due Diligence Vendor-06/26/2025 <br> Ready for Review-This condition is an XXXX, so we can simply acknowledge the immaterial grade. - Seller-06/25/2025 <br> Open-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. Missing Anti-Steering Disclosure - Due Diligence Vendor-06/02/2025 | Ready for Review-This condition is an EV2, so we can simply acknowledge the immaterial grade. - Seller-06/25/2025<br>|  |  |  |  | NC | Primary Residence | Purchase | NA | XXXX | Originator Post-Close | Yes |
| XXXX | XXXX |  | 304719939 | Closed | 2025-06-02 01:11 | 2025-06-26 08:36 | Resolved | 1 - Information C A | Compliance | Fees:Limited | North Carolina - Fees Limitation | Resolved- Please see the attached compliance and late fee complying with nc law - Due Diligence Vendor-06/26/2025 <br> Ready for Review-Document Uploaded. Please see the attached compliance and late fee complying with nc law - Buyer-XXXX<br> Open-Fees paid to lender exceed the threshold. Under the XXXX Interest Provisions, on a first lien closed end loan less than $XXXX, lender fees not specifically authorized by statute are limited to ($XXXX), which is the greater of XXXXof XXXX% of the loan amount or $XXXX. The total amount of "lender fees not specifically authorized by statute" and included in the test is ($XXXX). Fees excluded from the test: Application Fee, Application Deposit, Commitment (Rate Lock) Fee, Temporary Buydown Fee, Loan Origination Fee, "bona fide" Loan Discount, Prepaid Interest, and Interest Due on a Prior Loan. XXXX; XXXX)) - Due Diligence Vendor-06/02/2025 |  | Resolved- Please see the attached compliance and late fee complying with nc law - Due Diligence Vendor-06/26/2025<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304719939 | Closed | 2025-06-02 01:11 | 2025-06-05 15:51 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-meets XXXXrequirements - Due Diligence Vendor-06/05/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXXthreshold of (XXXX%). The threshold is determined by adding XXXXpoints to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)) This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXXXand the Final Closing disclosure on Pg#'s XXXXreflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX. An interior and exterior appraisal was completed for this property – see pg XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XXXX and copy of the appraisal was given to the borrower – see Pg#'s XXXXfor the copy of the disclosure. The loan meets XXXX guidelines. - Due Diligence Vendor-06/02/2025 |  | Resolved-meets XXXX requirements - Due Diligence Vendor-06/05/2025 <br> Resolved-The loan's (XXXX %) APR equals or exceeds the XXXX XXXX threshold of (XXXX %). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX %).(XXXX)) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX . While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXXXand the Final Closing disclosure on Pg#'s XXXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX . An interior and exterior appraisal was completed for this property – see pg XXXX , the appraisal disclosure was provided to the borrower(s)- see Pg#'XXXX and copy of the appraisal was given to the borrower – see Pg#'s XXXX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-06/02/2025 |  |  |  | NC | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709154 | Closed | 2025-06-02 02:21 | 2025-06-26 06:22 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Proof of Wire Document missing for Gift letter, provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-06/26/2025 <br> Ready for Review-Document Uploaded. Please see attached of all three wires for the proof of the three gifts given at closing. - Buyer-XXXX<br> Open-Missing Proof of Gift Amounts: As per final 1003 and Final Cd Reflecting $ XXXXalso same amount reflecting Loan approval $ XXXX and XXXX. required Wire proof for Gift amount. - Due Diligence Vendor-06/02/2025 |  | Resolved-Proof of Wire Document missing for Gift letter, provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-06/26/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304719805 | Closed | 2025-06-03 16:08 | 2025-07-09 11:09 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-XXXX Meets Guideline Requirements Or Not Applicable - Corrected gift letter and evidence of funds wired to the title company provided, resolved. - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. uploaded for review - Buyer-XXXX <br> Open-Asset 4 Does Not Meet Guideline Requirements Missing evidence of gift funds transferred to the title company at close. Amount on gift letter does not match amount in section L of final CD. Please provide updated gift letter. - Due Diligence Vendor-06/03/2025 |  | Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Corrected gift letter and evidence of funds wired to the title company provided, resolved. - Due Diligence Vendor-07/09/2025<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304719805 | Closed | 2025-06-01 23:24 | 2025-06-16 01:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate Provided. - Due Diligence Vendor-06/16/2025 <br> Resolved-Flood Certificate is fully present - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Document Uploaded. Review uploaded doc - Buyer-XXXX <br> Open-Missing Flood Certificate - Due Diligence Vendor-06/02/2025 |  | Resolved-Flood Certificate Provided. - Due Diligence Vendor-06/16/2025 <br>Resolved-Flood Certificate is fully present - Due Diligence Vendor-06/16/2025<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692755 | Closed | 2025-06-03 03:13 | 2025-06-17 10:52 | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-Updated 1003 Provided, Resolved. - Due Diligence Vendor-06/17/2025 <br> Unable to Resolve-Unable to Resolve-corrected 1003 provided does not require a signature. Please clear. - Buyer-XXXX<br> Open-Without the brw signature, the 1003 is considered incomplete, a signature is required. - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. Corrected Final 1003 uploaded for review. On previous loans an updated Final 1003 was all that was needed to satisfy the condition in this situation. Borrower signature was not needed. Can you clarify why it is now being requested? - Buyer-XXXX<br> Open-The Final 1003 is Not Executed Final 1003 is not signed<br> 1003 final signed on XXXX page no XXXXhowever income is showing incorrect as $XXXXwhich is not matching with latest XXXXand income worksheet Provide Borrower signed final XXXXwith income $XXXX. - Due Diligence Vendor-06/03/2025 |  | Resolved-Updated 1003 Provided, Resolved. - Due Diligence Vendor-06/17/2025<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692755 | Closed | 2025-06-04 04:43 | 2025-06-06 06:06 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-in findings - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. Corrected Final 1008 uploaded for review. - Buyer-XXXX <br> Open-The 1008 document is missing from the loan file. tax amount is not matching with Cd final , payment letter and Tax certificate , required updated 1008 with correct Tax. - Due Diligence Vendor-06/04/2025 |  | Resolved-in findings - Due Diligence Vendor-06/06/2025<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692755 | Closed | 2025-06-03 05:16 | 2025-06-04 05:09 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXXpoints to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).XXXX)) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXXXand the Final Closing disclosure on Pg#'XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX. An interior and exterior appraisal was completed for this property – see pg XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/03/2025 |  | Resolved-The loan's (XXXX %) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX %).(XXXX)) This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXXX and the Final Closing disclosure on Pg#'XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX . An interior and exterior appraisal was completed for this property – see pg XXXX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX , and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX . The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-06/03/2025 |  |  |  | FL | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304719854 | Closed | 2025-06-06 10:12 | 2025-07-01 10:30 | Acknowledged | 2 - Non-Material D B | Compliance | Missing Doc | The Final 1003 is Missing | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-06/11/2025 <br> Ready for Review-XXXX Agrees to waive; please downgrade to a Non-Material XXXX - Buyer-XXXX<br> Open-The Final 1003 is Missing The Note & DOT were signed by a member of the LLC. The 1003 for the LLC / Business Entity is missing. - Due Diligence Vendor-06/06/2025 |  | Acknowledged-DH Acknowledges - Due Diligence Vendor-06/11/2025<br>|  |  |  | TX | Investment | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXX | XXXX |  | 304709123 | Closed | 2025-06-04 01:23 | 2025-06-09 16:33 | Resolved | 1 - Information C A | Credit | Income/Employment | VOE performed more than 10 days prior to closing | Resolved-VOE Provided, Resolved - Due Diligence Vendor-06/09/2025 <br> Ready for Review-Document Uploaded. Bor 1 XXXXuploaded for review. - Buyer-XXXX<br> Open-Provided VOE is not within XXXXdays from closing date for Both borrowers, hence provided updated VOE for both borrowers. - Due Diligence Vendor-06/04/2025 |  | Resolved-VOE Provided, Resolved - Due Diligence Vendor-06/09/2025<br>| XXXX |  |  | IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709123 | Closed | 2025-06-03 00:59 | 2025-06-04 01:21 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXXpoints to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 1XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXXX and the Final Closing disclosure on Pg#'s XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX. An interior and exterior appraisal was completed for this property – see pg XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#'XXXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/03/2025 |  | Resolved-The loan's (XXXX %) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)) This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX . While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXXXand the Final Closing disclosure on Pg#'s XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX . An interior and exterior appraisal was completed for this property – see pg XXXX , the appraisal disclosure was provided to the borrower(s)- see Pg#'XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#'XXXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/03/2025 |  |  |  | IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709081 | Closed | 2025-06-05 13:19 | 2025-08-08 06:27 | Resolved | 1 - Information C A | Credit | Credit | Missing verification of self employment. | Resolved-Executed LLC documents provided. Resolved. - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. Signed LLC docs uploaded for review. - Buyer-XXXX<br> Counter-Written Consent adding Members/Officers to the LLC on page XXXX of the file pdf is not signed. Ownership percentage of the new Members/Officers is not designated in the Bylaws. Additionally, the attached Bylaws, pages XXXX is not signed. - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Document Uploaded. Not exactly sure what is being asked for. Signed access letter uploaded along with XXXXXXXXshowing the ownership percentage uploaded for review. - Buyer-06/09/2025 <br> Open-Written Consent by sole Incorporator is not signed. Additionally, Percentage of Ownership not specified - Due Diligence Vendor-06/05/2025 |  | Resolved-Executed XXXX documents provided. Resolved. - Due Diligence Vendor-08/08/2025 | XXXX |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709081 | Closed | 2025-06-04 04:52 | 2025-07-27 23:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | PUD Rider is Missing | Resolved-Pud rider is missing, Provided the same, Changes made in system, Finding Resolved<br> - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. Updated DOT uploaded for review. - Seller-07/25/2025 <br> Open-PUD Rider is Missing - Due Diligence Vendor-06/27/2025 <br> Open-Per Title property is XXXX, PUD Rider missing from file. - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. Updated DOT uploaded for review. - Seller-07/25/2025<br>| Resolved-Pud rider is missing, Provided the same, Changes made in system, Finding Resolved<br> - Due Diligence Vendor-07/28/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709081 | Closed | 2025-06-27 05:40 | 2025-07-03 11:37 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 Provided, Resolved. - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. Updated 1008 uploaded for review. Still does not reflect a Qualifying rate as that is only needed for an XXXX. On a fixed rate the Note rate is the qualifying rate. - Buyer-XXXX<br> Counter-1008 provided does reflect PUD. However, Income reflects $XXXXand $XXXXwhich does not match income documentation, Borrower Funds to Close is blank and Qualifying Rate is missing. - Due Diligence Vendor-07/01/2025 <br> Open-The 1008 document is missing from the loan file. - Due Diligence Vendor-07/01/2025 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/01/2025 <br> Ready for Review-Document Uploaded. 1008 uploaded for review. - Seller-06/30/2025 <br> Open-The 1008 document is missing from the loan file. XXXXreflects Single Family Residence which does not match appraisal which states PUD. - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. 1008 uploaded for review. - Seller-06/30/2025<br>| Resolved-Updated 1008 Provided, Resolved. - Due Diligence Vendor-07/03/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/01/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709081 | Closed | 2025-06-05 11:07 | 2025-06-30 05:48 | Resolved | 1 - Information C A | Property | Property | No HOA fees on appraisal and property identified as a PUD | Resolved-Updated PUD Commentary provided by appraiser. - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. Updated appraisal uploaded for review. - Seller-06/25/2025 <br> Open-Title reflects subject property is a PUD. Appraisal XXXXinformation missing. - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. Updated appraisal uploaded for review. - Seller-06/25/2025<br>| Resolved-Updated XXXX Commentary provided by appraiser. - Due Diligence Vendor-06/30/2025 | XXXX |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709081 | Closed | 2025-06-04 02:54 | 2025-06-26 04:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Borrower 1 Photo Identification Type uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-06/26/2025 <br> Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-06/26/2025 <br> Ready for Review-Document Uploaded. ID uploaded for review. - Seller-06/25/2025 <br> Open-Borrower 1 Photo Identification Missing. Please provide valid photo identification per guideline requirements. Borrower 1 Photo Identification or Driving License was cut off and unable to view complete ID. - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. ID uploaded for review. - Seller-06/25/2025<br>| Resolved-Borrower 1 Photo Identification Type uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-06/26/2025 <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-06/26/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709081 | Closed | 2025-06-04 03:28 | 2025-06-10 07:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Requested Bank Statement Income worksheet provided hence resolved. - Due Diligence Vendor-06/10/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. Income WS uploaded for review. - Buyer-XXXX<br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. XXXX)Income worksheet is missing in the file.<br> 02) Required LOX , For using one month (XXXX different Business bank statement (XXXX#XXXX), rest XXXXmonths used (XXXX#XXXX). - Due Diligence Vendor-06/04/2025 |  | Resolved-Requested Bank Statement Income worksheet provided hence resolved. - Due Diligence Vendor-06/10/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-06/10/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709081 | Closed | 2025-06-05 12:22 | 2025-06-05 12:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Incomplete | Resolved-Fired in error. Rescind - Due Diligence Vendor-06/05/2025 <br>Resolved-The Note is Present - Due Diligence Vendor-06/05/2025 |  | Resolved-Fired in error. Rescind - Due Diligence Vendor-06/05/2025 <br>Resolved-The Note is Present - Due Diligence Vendor-06/05/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304717847 | Closed | 2025-06-06 12:42 | 2025-06-11 06:31 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-1003 reflecting Married status provided. Resolved. - Due Diligence Vendor-06/11/2025 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Document Uploaded. 1003 attached. - Buyer-XXXX <br> Open-The Final 1003 is Incomplete XXXXfor 1003 reflecting Unmarried which does not match Vesting of subject property which reflect XXXX and XXXX. - Due Diligence Vendor-06/06/2025 |  | Resolved-1003 reflecting Married status provided. Resolved. - Due Diligence Vendor-06/11/2025 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-06/11/2025 | XXXX |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304717847 | Closed | 2025-06-06 03:29 | 2025-06-06 13:06 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXXpoints to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXXi)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# XXXXand the Final Closing disclosure on Pg#XXXXreflects escrows. Rate lock date was entered correctly see Pg# 648. An interior and exterior appraisal was completed for this property – see Page# XXXXthe appraisal disclosure was provided to the borrower(s)- see Pg# XXXXand copy of the appraisal was given to the borrower see Pg# XXXXfor the copy of the disclosure. The loan meets XXXXguidelines - Due Diligence Vendor-06/06/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX %).(XXXX)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# XXXX and the Final Closing disclosure on Pg#XXXX reflects escrows. Rate lock date was entered correctly see Pg# 648. An interior and exterior appraisal was completed for this property – see Page# XXXX the appraisal disclosure was provided to the borrower(s)- see Pg# XXXX and copy of the appraisal was given to the borrower see Pg# XXXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-06/06/2025 |  |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304717847 | Closed | 2025-06-06 03:29 | 2025-06-06 13:06 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a XXXXHigher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX XXXXthreshold of (XXXX%). The threshold is determined by adding XXXXpoints to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX); XXXX) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# XXXX and the Final Closing disclosure on Pg#XXXXreflects escrows. Rate lock date was entered correctly see Pg# XXXX. An interior and exterior appraisal was completed for this property – see Page# XXXXthe appraisal disclosure was provided to the borrower(s)- see Pg# XXXXand copy of the appraisal was given to the borrower see Pg# XXXXfor the copy of the disclosure. The loan meets XXXXguidelines - Due Diligence Vendor-06/06/2025 |  | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable XXXX for this loan is (XXXX%).XXXX); XXXX) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# XXXX and the Final Closing disclosure on Pg#XXXXreflects escrows. Rate lock date was entered correctly see Pg# XXXX . An interior and exterior appraisal was completed for this property – see Page# XXXX the appraisal disclosure was provided to the borrower(s)- see Pg# XXXX and copy of the appraisal was given to the borrower see Pg# XXXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-06/06/2025 |  |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709096 | Closed | 2025-06-05 05:50 | 2025-06-16 06:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-06/16/2025 <br> Resolved-Borrower 1 Gap Credit Report Provided. - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Document Uploaded. Debt Monitoring uploaded for review. - Buyer-06/13/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-06/05/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-06/16/2025 <br>Resolved-Borrower 1 Gap Credit Report Provided. - Due Diligence Vendor-06/16/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709096 | Closed | 2025-06-05 12:49 | 2025-06-16 06:23 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-06/16/2025 <br> Resolved-received explanation of housing history - resolved - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Document Uploaded. VOM explanation uploaded for review. - Buyer-XXXX<br> Open-Housing History Does Not Meet Guideline Requirements XXXX months proof of housing payments not in file - Due Diligence Vendor-06/05/2025 |  | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-06/16/2025 <br>Resolved-received explanation of housing history - resolved - Due Diligence Vendor-06/16/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709093 | Closed | 2025-06-05 00:32 | 2025-06-11 06:04 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Received Intent to proceed - Due Diligence Vendor-06/11/2025 <br>Ready for Review-Document Uploaded. Intent to Proceed uploaded for review. - Seller-06/10/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Intent to proceed not in file. - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. Intent to Proceed uploaded for review. - Seller-06/10/2025<br>| Resolved-Received Intent to proceed - Due Diligence Vendor-06/11/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709093 | Closed | 2025-06-04 23:31 | 2025-06-11 04:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Requested Initial XXXXprovided hence resolved. - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Document Uploaded. Initial LE uploaded for review. - Buyer-XXXX<br> Open-Initial loan estimate not in file. Hence didn't run mavent. - Due Diligence Vendor-06/05/2025 |  | Resolved-Requested Initial LE provided hence resolved. - Due Diligence Vendor-06/11/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709093 | Closed | 2025-06-11 03:40 | 2025-06-11 03:59 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXXXand the Final Closing disclosure on Pg#'s XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX. An interior and exterior appraisal was completed for this property – see pg XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/11/2025 <br> Open-The loan's (XXXX%) APR equals or exceeds the XXXXXXXXthreshold of (XXXX%). The threshold is determined by adding XXXXpoints to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) - Due Diligence Vendor-06/11/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated XXXX, the loan is a higher-priced mortgage loan, as defined in XXXX While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXXX and the Final Closing disclosure on Pg#'s XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX. An interior and exterior appraisal was completed for this property – see pg XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX. The loan meets XXXXguidelines, resolved. - Due Diligence Vendor-06/11/2025 |  |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709093 | Closed | 2025-06-06 03:33 | 2025-06-11 03:38 | Resolved | 1 - Information A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-06/11/2025 <br> Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Document Uploaded. Homeowners Counseling Disclosure uploaded for review. - Seller-06/10/2025 <br> Open-Homeownership counseling disclosure is missing in file. - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. Homeowners Counseling Disclosure uploaded for review. - Seller-06/10/2025<br>| Resolved-Homeownership Counseling Disclosure uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-06/11/2025 <br> Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-06/11/2025 | XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709093 | Closed | 2025-06-05 23:12 | 2025-06-11 00:49 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Notice to Home Loan Applicant | Resolved-Home loan tool kit uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-06/11/2025 <br>Ready for Review-Document Uploaded. Toolkit uploaded for review. - Buyer-06/10/2025 <br>Open-Home loan tool kit is missing in file. - Due Diligence Vendor-06/06/2025 |  | Resolved-Home loan tool kit uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-06/11/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709093 | Closed | 2025-06-06 01:41 | 2025-06-10 07:05 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Requested XXXXprovided which is included in Assets now, Reserves are within the Guidelines hence resolved. - Due Diligence Vendor-06/10/2025 <br> Resolved-Audited Reserves of XXXXmonth(s) are greater than or equal to Guideline Required Reserves of XXXXmonth(s) - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. Earnest Money Deposit should be included in the assets. - Seller-06/09/2025 <br> Open-Audited Reserves of XXXXmonth(s) are less than Guideline Required Reserves of XXXXmonth(s) Verified reserves lower than required reserves, provide additional asset funds. - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. XXXX XXXX Deposit should be included in the assets. - Seller-06/09/2025 | Resolved-Requested EMD provided which is included in Assets now, Reserves are within the Guidelines hence resolved. - Due Diligence Vendor-06/10/2025 <br> Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of XXXX month(s) - Due Diligence Vendor-06/10/2025 | XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304719936 | Closed | 2025-06-06 03:10 | 2025-06-06 03:30 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the XXXXXXXXthreshold of (XXXX%). The threshold is determined by adding XXXXpoints to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# XXXX and the Final Closing disclosure on Pg# XXXX reflects escrows. Rate lock date was entered correctly see Pg.'s XXXXAn interior and exterior appraisal was completed for this property – see pg. XXXXthe appraisal disclosure was provided to the borrower(s)- see Pg#'XXXXand copy of the appraisal was given to the borrower see Pg# XXXXfor the copy of the disclosure, ECOA disclosure page no #XXXX. The loan meets XXXXguidelines." <br> - Due Diligence Vendor-06/06/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXXthreshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# XXXXand the Final Closing disclosure on Pg# XXXXreflects escrows. Rate lock date was entered correctly see Pg.'s XXXXAn interior and exterior appraisal was completed for this property – see pg. XXXX the appraisal disclosure was provided to the borrower(s)- see Pg#'XXXXand copy of the appraisal was given to the borrower see Pg# XXXXfor the copy of the disclosure, ECOA disclosure page no #XXXX. The loan meets XXXXguidelines." <br> - Due Diligence Vendor-06/06/2025 |  |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304719929 | Closed | 2025-06-06 01:22 | 2025-06-30 00:56 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-1008 document provided. Resolved - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Open-The 1008 document is missing from the loan file. 1008 is missing in file. - Due Diligence Vendor-06/06/2025 |  | Resolved-1008 document provided. Resolved - Due Diligence Vendor-06/30/2025<br>| XXXX |  |  | VA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304719929 | Closed | 2025-06-06 04:46 | 2025-06-06 04:46 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined inXXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXXXand the Final Closing disclosure on Pg#'s XXXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX interior and exterior appraisal was completed for this property – see pg XXXX-XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XXXX, and copy of the appraisal was given to the borrower – see Pg#'s XXXXfor the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-06/06/2025 |  | Resolved-The loan's (XXXX %) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXXpoints to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXXX and the Final Closing disclosure on Pg#'s XXXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX interior and exterior appraisal was completed for this property – see pg XXXX-XXXX , the appraisal disclosure was provided to the borrower(s)- see Pg#'XXXX, and copy of the appraisal was given to the borrower – see Pg#'s XXXXfor the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-06/06/2025 |  |  |  | VA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709082 | Closed | 2025-06-10 10:06 | 2025-06-24 15:09 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Confirmed the mortgage account DLA of XXXX with a zero balance on the CR. This was included in the tradeline count that allows this to qualify for the Expanded Prime loan program. Response provided in Findings: XXXX. Resolved. - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. See UW explanation in email attached for further detail: I see a mid-FICO of XXXX. Since this loan closed in May XXXX), we have a mortgage account reporting for XXXXmonths with XXXX XXXX which would be w/in the most recent XXXXmonths since the loan closed in May. - Buyer-XXXX <br> Open-Loan does not conform to program guidelines There are two open revolving tradelines: XXXX - Date Opened XXXX and XXXX – Date Opened XXXX/XXXX . There are 3 closed/paid tradelines: XXXX - Date Opened 03/20 and DLA 06/24, XXXX – Date Opened XXXX and XXXX and XXXX – Date Opened XXXX and DLA XXXX. CR – p XXXX. There is a XXXX Letter in file on p XXXXregarding the limited tradelines. Per GLs, \*Limited Tradelines allowed only on the Non-Prime Program however this was approved on an Expanded Prime loan program. - Due Diligence Vendor-06/10/2025 |  | Resolved-Confirmed the mortgage account XXXX of XXXX with a zero balance on the XXXX . This was included in the tradeline count that allows this to qualify for the Expanded Prime loan program. Response provided in Findings: XXXX. Resolved. - Due Diligence Vendor-06/24/2025 | XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709082 | Closed | 2025-06-10 10:10 | 2025-06-24 15:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing 24 month chain of title | Resolved-Client provided response in Findings: XXXX p XXXX confirming that there was no actual sale. Resolved. - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. See UW explanation in email attached for further detail on property: Looks like there was just a change in the ownership but no actual sale - Buyer-XXXX<br> Open-The XXXX-month Chain of Title requested per Conditional Loan Approval, p XXXX, and UW Conditional Loan Approval, p XXXX, is missing. Per the Appraisal, Date of Prior Sale/Transfer was XXXX which is less than XXXXmonths. Appraiser notes Price of Prior Sale/Transfer was $XXXX and comments "Prior transfer on subject XXXX $XXXX is WD Warranty Deed". Chain of title will rule out or confirm whether this was a Flip. - Due Diligence Vendor-06/10/2025 |  | Resolved-Client provided response in Findings: XXXX XXXX confirming that there was no actual sale. Resolved. - Due Diligence Vendor-06/24/2025 | XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709082 | Closed | 2025-06-06 05:58 | 2025-06-16 18:49 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the XXXXthreshold of (XXXX%). The threshold is determined by adding XXXXpoints to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)) Provide the Appraisal Disclosure and proof that the appraisal was given to the borrower. This loan failed the higher-priced mortgage loan test. (XXXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXXX and the Final Closing disclosure on page XXXXreflects escrows. Rate lock date was entered correctly – see Pg#'s 618 An interior and exterior appraisal was completed for this property – see pg XXXX-XXXX, the appraisal disclosure was provided to the borrower(s) in Findings: APPRAISAL DISCLOSURE.PDF, and copy of the appraisal was given to the borrower – Findings: APPRAISAL DELIVERY.PDF for the copy of the disclosure. Meets HPML requirements. Resolved. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. - Buyer-XXXX<br> Open-The loan's (XXXX%) APR equals or exceeds the XXXX XXXXthreshold of (XXXX%). The threshold is determined by adding XXXXpoints to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)) Provide the Appraisal Disclosure and proof that the appraisal was given to the borrower. <br> This loan failed the higher-priced mortgage loan test. (XXXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXXXand the Final Closing disclosure on page XXXXreflects escrows. Rate lock date was entered correctly – see Pg#'s 618 An interior and exterior appraisal was completed for this property – see pg XXXX-XXXX, the appraisal disclosure was provided to the borrower(s)- see Pending, and copy of the appraisal was given to the borrower – see Pending for the copy of the disclosure. <br> - Due Diligence Vendor-06/06/2025 |  | Resolved-The loan's (XXXX %) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX %).XXXX) Provide the Appraisal Disclosure and proof that the appraisal was given to the borrower. This loan failed the higher-priced mortgage loan test. (XXXX) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXXXand the Final Closing disclosure on page 334 reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX An interior and exterior appraisal was completed for this property – see pg XXXX the appraisal disclosure was provided to the borrower(s) in Findings: XXXX.XXXX, and copy of the appraisal was given to the borrower – Findings: XXXX XXXX.XXXXfor the copy of the disclosure. Meets XXXXrequirements. Resolved. - Due Diligence Vendor-06/17/2025 | XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692789 | Closed | 2025-06-06 04:12 | 2025-07-03 12:04 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-This may be resolved per external counsel. - Due Diligence Vendor-07/03/2025 <br> Ready for Review- Escalated to external counsel - Due Diligence Vendor-07/03/2025 <br> Ready for Review-hello, can you please advise what the X is for ? - Buyer-XXXX<br> Ready for Review-x - Due Diligence Vendor-06/25/2025 <br> Open- - Due Diligence Vendor-06/25/2025 <br> Open- - Due Diligence Vendor-06/25/2025 <br> Open- - Due Diligence Vendor-06/25/2025 <br> Open- - Due Diligence Vendor-06/25/2025 <br> Open- - Due Diligence Vendor-06/25/2025 <br> Ready for Review-Document Uploaded. see attached from seller - Seller-06/24/2025 <br> Open-The loan disbursement date (2025-05-09) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XXXX. Under XXXX, funds may not be disbursed to the borrower until after the expiration of the rescission period. XXXX) and Official Staff Commentary) Per ROR form provided cancelation date is XXXX. Per final CD disbursement date is XXXX . Borrower did not receive 3 day rescission period. Please provide PCCD with updated disbursement date and per diem date. - Due Diligence Vendor-06/06/2025 | Escalated to external counsel - 07/03/2025 <br>Ready for Review-Document Uploaded. see attached from seller - Seller-06/24/2025<br>| Resolved-This may be resolved per external counsel. - Due Diligence Vendor-07/03/2025<br>| XXXX |  |  | AR | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692789 | Closed | 2025-06-12 12:24 | 2025-06-25 17:27 | Resolved | 1 - Information C A | Compliance | Compliance | Right to cancel process contains multiple deficiencies | Resolved-LOX Provided, Resolved. - Due Diligence Vendor-06/25/2025 <br> Ready for Review-Document Uploaded. see attached from seller - Buyer-XXXX<br> Open-Requesting clarification on ROR form provided.Per review notary date is XXXX . Disbursement date per final CD XXXX. Cancelation date on ROR from is XXXX. Borrower signature date on final 1003 is XXXX. - Due Diligence Vendor-06/12/2025 |  | Resolved-LOX Provided, Resolved. - Due Diligence Vendor-06/25/2025<br>| XXXX |  |  | AR | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692789 | Closed | 2025-06-25 10:56 | 2025-06-25 16:32 | Resolved | 1 - Information A | Compliance | TRID | Federal - List of Settlement Service Providers Mailed/Delivered Within Three Business Days of Application | Resolved-Fired in error, XXXX was received within 3 business days of application date, rescinded. - Due Diligence Vendor-06/25/2025 <br> Resolved- - Due Diligence Vendor-06/25/2025 <br> Open- - Due Diligence Vendor-06/25/2025 |  | Resolved-Fired in error, XXXX was received within XXXX business days of application date, rescinded. - Due Diligence Vendor-06/25/2025 |  |  |  | AR | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692789 | Closed | 2025-06-06 04:12 | 2025-06-25 16:30 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-x - Due Diligence Vendor-06/25/2025 <br> Ready for Review-x - Due Diligence Vendor-06/25/2025 <br> Open- - Due Diligence Vendor-06/25/2025 <br> Open- - Due Diligence Vendor-06/25/2025 <br> Resolved-Re-opened due to running Mavent. Status changed back to resolved. - Due Diligence Vendor-06/25/2025 <br> Open- - Due Diligence Vendor-06/25/2025 <br> Open- - Due Diligence Vendor-06/25/2025 <br> Open- - Due Diligence Vendor-06/25/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXXthreshold of (XXXX%). The threshold is determined by adding XXXXpoints to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'XXXX-XXXX_and the Final Closing disclosure on Pg#'s XXXX-XXXXreflects escrows. Rate lock date was entered correctly – see Pg#'s XXXXAn interior and exterior appraisal was completed for this property – see XXXX-XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XXXX-XXXXand copy of the appraisal was given to the borrower – see Pg#'XXXX-XXXXfor the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-06/06/2025 |  | Resolved-x - Due Diligence Vendor-06/25/2025 <br> Resolved-Re-opened due to running Mavent. Status changed back to resolved. - Due Diligence Vendor-06/25/2025 <br> Resolved-The loan's (XXXX %) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'XXXX-XXXX_and the Final Closing disclosure on Pg#'s XXXX - XXXXreflects escrows. Rate lock date was entered correctly – see Pg#'s XXXXAn interior and exterior appraisal was completed for this property – see XXXX-XXXX , the appraisal disclosure was provided to the borrower(s)- see Pg#'XXXX-XXXXand copy of the appraisal was given to the borrower – see Pg#'XXXX-XXXXfor the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-06/06/2025 |  |  |  | AR | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304719911 | Closed | 2025-06-09 07:34 | 2025-06-30 02:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Bank Statement Summary / Lender Worksheet Missing | Resolved-Most recent lender income calculation worksheet provided showing XXXX months deposits. - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. Most recent lender income calculation worksheet. Please advise if this is acceptable, thank you - Buyer-XXXX<br> Open-Required updated income worksheet with XXXX calculation income or LOE for deposits <br> Provided Income sheet shows XXXXmonths calculation and if we calculate XXXXmonths deposit then getting lesser income. - Due Diligence Vendor-06/09/2025 |  | Resolved-Most recent lender income calculation worksheet provided showing XXXX months deposits. - Due Diligence Vendor-06/30/2025 | XXXX |  |  | MO | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304719911 | Closed | 2025-06-09 07:28 | 2025-06-11 17:45 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income/Employment General | Waived-1. Lender provided approved exception in file, p. XXXX , to allow for self-employed business less than XXXX years. XXXX being in same profession for XXXX years prior. <br> Finding waived. - Due Diligence Vendor-06/09/2025 |  | Waived-1. Lender provided approved exception in file, p. XXXX, to allow for self-employed business less than XXXX years. Borrowers started own glass business after B2 being in same profession for XXXX years prior. <br> Finding waived. - Due Diligence Vendor-06/09/2025 |  |  | Qualifying FICO XXXX Guideline FICO XXXX <br> Qualifying LTV is XXXX %, Guideline LTV is XXXX % | MO | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 304719911 | Closed | 2025-06-09 07:25 | 2025-06-09 07:31 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXXthreshold of (XXXX%). The threshold is determined by adding XXXXpoints to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)) <br> This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 1431 and the Final Closing disclosure on Pg#'s XXXXreflects escrows. Rate lock date was entered correctly – see Pg#'s XXXXAn interior and exterior appraisal was completed for this property – see pg XXXX-XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XXXX , and copy of the appraisal was given to the borrower – see Pg#'s XXXXfor the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-06/09/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX %).(XXXX) <br> This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXXX and the Final Closing disclosure on Pg#'s XXXXreflects escrows. Rate lock date was entered correctly – see Pg#'s XXXXAn interior and exterior appraisal was completed for this property – see pg XXXX-XXXX , the appraisal disclosure was provided to the borrower(s)- see Pg#'XXXX , and copy of the appraisal was given to the borrower – see Pg#'s XXXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-06/09/2025 |  |  |  | MO | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304701945 | Closed | 2025-06-09 04:46 | 2025-06-15 15:06 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Right of Rescission | Resolved-ROR provided dated XXXX. - Due Diligence Vendor-06/15/2025 <br> Ready for Review-Document Uploaded. Uploaded for review - Buyer-XXXX <br> Open-Right of Rescission is Missing there is Right to Cancel Indicator in the file page no-XXXXbut signature is missing. - Due Diligence Vendor-06/09/2025 |  | Resolved-ROR provided datedXXXX . - Due Diligence Vendor-06/15/2025 | XXXX |  |  | GA | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304701945 | Closed | 2025-06-09 04:37 | 2025-06-15 15:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-06/15/2025 <br> Ready for Review-Not required for refinances - Buyer-XXXX<br> Open-Home Tool kit is missing in the file. Disclosure summary indicates the Housing Counselor was delivered on XXXX but Tool Kit is missing. - Due Diligence Vendor-06/12/2025 <br> Open-Home Tool kit is missing in the file - Due Diligence Vendor-06/09/2025 |  | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-06/15/2025<br>|  |  |  | GA | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304701945 | Closed | 2025-06-09 03:36 | 2025-06-16 12:23 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-Meets HPML guidance - Due Diligence Vendor-06/16/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding XXXXpoints to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXXX and the Final Closing disclosure on Pg#'sXXXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX An interior and exterior appraisal was completed for this property – see pg 22-49 , the appraisal disclosure was provided to the borrower(s)- see Pg#'XXXX-XXXXand copy of the appraisal was given to the borrower – see Pg#'XXXX-XXXXfor the copy of the disclosure. The loan meets XXXX guidelines<br> - Due Diligence Vendor-06/09/2025 |  | Resolved-Meets XXXXguidance - Due Diligence Vendor-06/16/2025 <br> Resolved-The loan's (XXXX %) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).XXXX) This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXXXand the Final Closing disclosure on Pg#'sXXXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXXAn interior and exterior appraisal was completed for this property – see pg XXXX-49 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX and copy of the appraisal was given to the borrower – see Pg#'XXXX-XXXX for the copy of the disclosure. The loan meets XXXX guidelines<br> - Due Diligence Vendor-06/09/2025 |  |  | The loan meets XXXX guidelines | GA | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709120 | Closed | 2025-06-09 05:10 | 2025-06-23 06:04 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Closing Cost Detail fee(s) not disclosed in the proper section based on ability to shop | Resolved-In findings. - Due Diligence Vendor-06/23/2025 <br> Ready for Review-concord title is listed on the settlement list that was provided, they should be find to stay in section B - Buyer-XXXX <br> Open-Full CD did not upload - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. attached - Buyer-XXXX <br> Open-Comments: Title fees (List the Down the title fees) is paid to a provider that's not on providers list but the fee is still in XXXX , move the Fee (List the Down the title fees) to XXXX <br> - Due Diligence Vendor-06/09/2025 |  | Resolved-In findings. - Due Diligence Vendor-06/23/2025<br>| XXXX |  |  | TN | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709120 | Closed | 2025-06-09 03:43 | 2025-06-17 06:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. voe attached. - Buyer-XXXX <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-06/09/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/17/2025<br>| XXXX |  |  | TN | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709120 | Closed | 2025-06-09 05:15 | 2025-06-16 16:19 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income/Employment General | Waived-Exception Approved - Due Diligence Vendor-06/16/2025 <br> Unable to Resolve-Unable to Resolve-Unable to Resolve-DH agrees with exception approved by dlee on XXXX<br> - Buyer-XXXX <br> Open-Exception page#XXXX Exception Request 1 Notes: Exception Request Details: Bank statement loan, borrower has a client <br> that requested they open a new account with Regents so they could make payments for their <br> transactions easier, and borrower obliged. Business has been open since XXXX and XXXXmonths of their <br> main bank account have been provided. Requesting an exception to use the Regent bank statement <br> deposits in the income calculation that has only been opened in XXXX of XXXXand is missing a <br> full XXXX months of statement. This was previously sent to the Deephaven Bank Statement XXXX<br> scenario and returned with the account included on the income worksheet with a XXXX-XXXX average <br> for the missing months of statements which the borrower would still qualifying using. - Due Diligence Vendor-06/09/2025 |  | Waived-Exception Approved - Due Diligence Vendor-06/16/2025<br>|  |  | Borrower(s) have XXXX months Reserves. Minimum required per guidelines is XXXX months.<br> DTI is XXXX %. Maximum allowed per guidelines is XXXX %.<br> Credit Score is XXXX . Minimum required per guidelines is XXXX . | TN | Primary Residence | Purchase | NA | XXXX | Originator Post-Close | Yes |
| XXXX | XXXX |  | 304709079 | Closed | 2025-06-10 08:21 | 2025-06-18 03:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial Closing Disclosure document provided. - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. - Seller-06/17/2025 <br> Open-TRID: Missing Closing Disclosure Initial Closing Disclosure is missing in file. - Due Diligence Vendor-06/10/2025 | Ready for Review-Document Uploaded. - Seller-06/17/2025<br>| Resolved-Initial Closing Disclosure document provided. - Due Diligence Vendor-06/18/2025<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709079 | Closed | 2025-06-18 03:02 | 2025-06-18 03:03 | Resolved | 1 - Information C A | Compliance | Mavent | Tolerance: Disclosure | Resolved-Resolved - Due Diligence Vendor-06/18/2025 <br> Open-There are ($XXXX) of fees paid to the lender disclosed under Loan Estimate XXXX "Services You Cannot Shop For" or Closing Disclosure XXXX "Services Borrower Did Not Shop For". Under XXXX, charges included under XXXX on the Loan Estimate and Closing Disclosure are charges the consumer will pay for settlement services for which the consumer cannot shop and did not shop that are provided by persons other than the creditor or mortgage broker. (XXXX); XXXX)) - Due Diligence Vendor-06/18/2025 |  | Resolved-Resolved - Due Diligence Vendor-06/18/2025<br>|  |  |  | NC | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709079 | Closed | 2025-06-10 03:52 | 2025-06-17 04:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-3rd party Voe is missing, Provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-06/17/2025 <br> Resolved-Borrower 2 XXXX Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. Business search with date listed at bottom was provided in package and is within ten days of closing - Seller-06/16/2025 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing Borrower 2 XXXX Party VOE prior to close missing verification of business existence required with in 10 business days of closing.<br> - Due Diligence Vendor-06/10/2025 | Ready for Review-Document Uploaded. Business search with date listed at bottom was provided in package and is within XXXX days of closing - Seller-06/16/2025 | Resolved-3rd party Voe is missing, Provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-06/17/2025 <br>Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-06/17/2025<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709079 | Closed | 2025-06-10 03:52 | 2025-06-17 04:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-3rd party Voe is missing, Provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-06/17/2025 <br> Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. Business search with date listed at bottom was provided in package and is within ten days of closing - Seller-06/16/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 XXXXParty VOE prior to close missing verification of business existence required with in XXXX business days of closing.<br> - Due Diligence Vendor-06/10/2025 | Ready for Review-Document Uploaded. Business search with date listed at bottom was provided in package and is within XXXX days of closing - Seller-06/16/2025 | Resolved-3rd party Voe is missing, Provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-06/17/2025 <br> Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/17/2025 | XXXX |  |  | NC | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709076 | Closed | 2025-06-11 05:48 | 2025-06-23 03:55 | Resolved | 1 - Information C A | Credit | Insurance | HO-6 Insurance Policy is only Partially Present | Resolved-Updated XXXX Insurance Policy uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/23/2025 <br> Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Document Uploaded. Updated HOI uploaded for review. - Buyer-XXXX<br> Open-HO-6 Insurance Policy is only Partially Present Expiration is date is given as XXXX, provide the HO6 with one year coverage. - Due Diligence Vendor-06/11/2025 |  | Resolved-Updated HO-6 Insurance Policy uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/23/2025 <br> Resolved-XXXX Insurance Policy is fully present - Due Diligence Vendor-06/23/2025 | XXXX |  |  | MO | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709068 | Closed | 2025-06-10 22:52 | 2025-06-18 01:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated Final 1003 Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/18/2025 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-06/18/2025 <br>Ready for Review-Document Uploaded. - Buyer-06/17/2025 <br>Open-The Final 1003 is Incomplete Borrower 2 is given as Male & Do not wish to disclose. - Due Diligence Vendor-06/11/2025 |  | Resolved-Updated Final 1003 Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/18/2025 <br> Resolved-The Final XXXX is Present - Due Diligence Vendor-06/18/2025 | XXXX |  |  | IL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709134 | Closed | 2025-06-11 00:26 | 2025-06-11 02:15 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXXX and the Final Closing disclosure on page XXXX reflects escrows. Rate lock date was entered correctly – see page XXXX . An interior and exterior appraisal was completed for this property – see page XXXX - XXXX , the appraisal disclosure was provided to the borrower(s)- see page XXXX and copy of the appraisal was given to the borrower – see page XXXX The loan meets HPML guidelines. - Due Diligence Vendor-06/11/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the XXXX XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX %).XXXX)) This loan failed the higher-priced mortgage loan test. (XXXX). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXXXand the Final Closing disclosure on page XXXXreflects escrows. Rate lock date was entered correctly – see page XXXX . An interior and exterior appraisal was completed for this property – see page XXXX , the appraisal disclosure was provided to the borrower(s)- see page XXXX and copy of the appraisal was given to the borrower – see page XXXX The loan meets HPML guidelines. - Due Diligence Vendor-06/11/2025 |  |  |  | GA | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304717872 | Closed | 2025-06-12 23:22 | 2025-06-27 04:39 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Resolved-No IEAD required for WH loans. Resolved<br> - Due Diligence Vendor-06/27/2025 <br> Ready for Review-This is a BPL DSCR loan and the XXXX is not required. - Buyer-06/26/2025 <br> Open-Missing Initial Escrow Disclosure. - Due Diligence Vendor-06/13/2025 |  | Resolved-No XXXX required for XXXXloans. Resolved<br> - Due Diligence Vendor-06/27/2025 |  |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692796 | Closed | 2025-06-20 07:46 | 2025-06-24 17:48 | Resolved | 1 - Information A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. Please review upload - Buyer-XXXX <br> Open-Missing HCO list. - Due Diligence Vendor-06/20/2025 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-06/24/2025<br>| XXXX |  |  | MI | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692796 | Closed | 2025-06-13 01:23 | 2025-06-24 03:45 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Service providers List is missing, provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. Please review upload. - Buyer-XXXX <br> Open-Missing Service Provider List.<br> - Due Diligence Vendor-06/13/2025 |  | Resolved-Service providers List is missing, provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-06/24/2025<br>| XXXX |  |  | MI | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692796 | Closed | 2025-06-13 02:25 | 2025-06-23 14:12 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Borrower 2 Total Years Employment Verified is Less Than 12 Months | Waived-Exception Approved<br> - Due Diligence Vendor-06/23/2025 <br> Unable to Resolve-Unable to Resolve-Document Uploaded. DH approves exception - Buyer-XXXX <br> Open-Exception for XXXXyears working XXXX jobs is approved. Borrower has XXXX years S/E and has returned to their XXXXwork for the most recent year. Borrower returned to the same XXXXemployer with which they had a previous XXXX year employment history at the same position. Exception letter is on pg-XXXX. - Due Diligence Vendor-06/13/2025 |  | Waived-Exception Approved<br> - Due Diligence Vendor-06/23/2025<br>| XXXX |  | Residual Income is $XXXX. Minimum Residual Income required per guidelines is $XXXX. <br> Credit Score is XXXX . Minimum required per guidelines is XXXX . | MI | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | XXXX |  | 304701953 | Closed | 2025-06-16 06:35 | 2025-06-24 04:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/24/2025 <br> Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. Fraud Report uploaded for review. - Buyer-XXXX<br> Open-Missing Third Party Fraud Report The Fraud Report is missing. - Due Diligence Vendor-06/16/2025 |  | Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/24/2025 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-06/24/2025<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304701953 | Closed | 2025-06-17 22:11 | 2025-06-24 04:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-UDM on Fraud Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/24/2025 <br> Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. Fraud Guard Report with DM (XXXX-XXXX) uploaded for review - Buyer-XXXX <br> Open-Borrower 1 Gap Credit Report is Missing XXXX Gap Credit Report is Missing. - Due Diligence Vendor-06/18/2025 |  | Resolved-XXXX on Fraud Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/24/2025 <br> Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-06/24/2025 | XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304701953 | Closed | 2025-06-16 23:17 | 2025-06-23 08:58 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXXX-XXXXand the Final Closing disclosure on Pg#XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg# XXXX-XXXX. An interior and exterior appraisal was completed for this property – see pg#30 the appraisal disclosure was provided to the borrower(s)- see Pg#665, and confirmation the appraisal was delivered to the borrower – see Pg#XXXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/17/2025 <br> Open- - Due Diligence Vendor-06/23/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX %).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXXX-XXXXand the Final Closing disclosure on Pg# XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg# XXXX-XXXX. An interior and exterior appraisal was completed for this property – see pg#30 the appraisal disclosure was provided to the borrower(s)- see Pg#XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/17/2025 |  |  |  | FL | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304717852 | Closed | 2025-06-17 03:14 | 2025-06-17 04:06 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding XXXXpoints to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXXX - XXXX and the Final Closing disclosure on Pg#'s XXXX-XXXXreflects escrows. Rate lock date was entered correctly – see Pg#'s537 An interior and exterior appraisal was completed for this property – see pg57-98 , the appraisal disclosure was provided to the borrower(s)- see Pg#'XXXX-XXXX , and copy of the appraisal was given to the borrower – see Pg#'s XXXX-XXXX for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-06/17/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the XXXX XXXXthreshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).XXXX)) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXXX and the Final Closing disclosure on Pg#'s XXXX reflects escrows. Rate lock date was entered correctly – see Pg#'XXXXAn interior and exterior appraisal was completed for this property – see pgXXXX , the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXXX , and copy of the appraisal was given to the borrower – see Pg#'s XXXX for the copy of the disclosure. The loan meets XXXXguidelines<br> - Due Diligence Vendor-06/17/2025 |  |  |  | TN | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304717898 | Closed | 2025-06-18 01:20 | 2025-07-15 03:48 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements.Credit report shows months reviewed of 42 for previous address mortgage.<br> - Due Diligence Vendor-07/15/2025 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. - Buyer-XXXX<br> Open-Housing History Does Not Meet Guideline Requirements Current address we are verify from VOM Page No#XXXXStaying Since XXXX (XXXX Months), however Unable to verify previous address Primary history, Required VOM/LOX To verify XXXX months history. - Due Diligence Vendor-06/18/2025 |  | Resolved-Housing History Meets Guideline Requirements.Credit report shows months reviewed of XXXXfor previous address mortgage.<br> - Due Diligence Vendor-07/15/2025 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-07/15/2025 | XXXX |  |  | GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304719850 | Closed | 2025-06-18 03:53 | 2025-07-07 07:19 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-07/07/2025 <br> Resolved-Per provided LOX, Borrower primary residence is F&C. Housing History Meets Guideline Requirements. Resolved - Due Diligence Vendor-07/07/2025 <br> Ready for Review-Document Uploaded. Rebuttal from UW attached - Buyer-XXXX <br> Open-Housing History Does Not Meet Guideline Requirements Audited primary housing history as XXXX, due to the borrower holding the title since April 2025. The letter from borrower provided one page XXXX states they moved in the property XXXX years ago but recently got their name on the title which in fraud page XXXX shows XXXX . Provide LOX for XXXX housing history. - Due Diligence Vendor-06/18/2025 |  | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-07/07/2025 <br>Resolved-Per provided LOX, Borrower primary residence is F&C. Housing History Meets Guideline Requirements. Resolved - Due Diligence Vendor-07/07/2025<br>| XXXX |  |  | SC | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304719769 | Closed | 2025-06-26 10:24 | 2025-07-01 08:47 | Resolved | 1 - Information C A | Credit | Credit | Assets not properly documented/insufficient | Resolved-Operating agreement provided. - Due Diligence Vendor-07/01/2025 <br> Ready for Review-Document Uploaded. Document should be properly attached now. - Seller-XXXX <br> Counter-There was no attachement. - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Please see attached. - Buyer-XXXX <br> Open-The operating agreement in file is for entity XXXX. Bank statements provided are in the name of XXXX. The file did not contain proper documentation tying the two entities to each other. - Due Diligence Vendor-06/26/2025 | Ready for Review-Document Uploaded. Document should be properly attached now. - Seller-06/30/2025<br>| Resolved-Operating agreement provided. - Due Diligence Vendor-07/01/2025<br>| XXXX |  |  | SC | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304719769 | Closed | 2025-06-19 23:16 | 2025-06-30 11:25 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Acknowledged-DH Acknowledges - Due Diligence Vendor-06/30/2025 <br> Ready for Review- - Due Diligence Vendor-06/30/2025 <br> Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Present', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. Please see attached final Business Purpose Affidavit. Seller cannot produce initial business purpose affidavit, DH acknowledged. Please downgrade to Non-Material XXXX 2<br> - Seller-06/27/2025 <br> Open-The 1008 Page Loan Type is 'XXXX ' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Final and Initial XXXX XXXX & OCCUPANCY AFFIDAVIT is missing in the file <br> - Due Diligence Vendor-06/20/2025 | Ready for Review-Document Uploaded. Please see attached final Business Purpose Affidavit. Seller cannot produce initial business purpose affidavit, XXXX acknowledged. Please downgrade to Non-Material XXXX XXXX <br> - Seller-06/27/2025 | Acknowledged-DH Acknowledges - Due Diligence Vendor-06/30/2025<br>| XXXX |  |  | SC | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | Investor Post-Close | No |
| XXXX | XXXX |  | 304719769 | Closed | 2025-06-20 02:37 | 2025-06-30 11:25 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-06/30/2025 <br> Ready for Review-This seller does not require this specific document, XXXX Agrees to waive; please downgrade to a Non-Material Grade 2<br> - Buyer-XXXX <br> Open-Initial Escrow Disclosure is missing in the file - Due Diligence Vendor-06/20/2025 |  | Acknowledged-DH Acknowledges - Due Diligence Vendor-06/30/2025<br>|  |  |  | SC | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | Investor Post-Close | No |
| XXXX | XXXX |  | 304719769 | Closed | 2025-06-20 04:14 | 2025-06-30 11:24 | Acknowledged | 2 - Non-Material D B | Compliance | Missing Doc | The Final 1003 is Missing | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-06/30/2025 <br> Ready for Review-XXXX Agrees to waive; please downgrade to a Non-Material Grade 2 - Seller-06/27/2025 <br> Open-The Final 1003 is Missing Missing the 1003 / borrower application for the XXXX . - Due Diligence Vendor-06/20/2025 | Ready for Review-XXXX Agrees to waive; please downgrade to a Non-Material XXXX - Seller-06/27/2025 | Acknowledged-DH Acknowledges - Due Diligence Vendor-06/30/2025<br>|  |  |  | SC | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | Investor Post-Close | No |
| XXXX | XXXX |  | 304719769 | Closed | 2025-06-20 00:29 | 2025-06-29 18:16 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Updated bank statement provided and information entered in LM - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-XXXX <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of XXXX month(s) Assets are not sufficient to meet the Guideline Required Reserves of XXXX month(s) - Due Diligence Vendor-06/20/2025 |  | Resolved-Updated bank statement provided and information entered in LM - Due Diligence Vendor-06/30/2025<br>| XXXX |  |  | SC | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304719769 | Closed | 2025-06-20 02:30 | 2025-06-29 18:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-XXXX <br> Open-Borrower 1 Photo Identification Missing. Please provide valid photo identification per guideline requirements. Borrower XXXX Photo Identification is available in page no-XXXX, but its expire date- XXXX , required Borrower XXXX Photo Identification - Due Diligence Vendor-06/20/2025 |  | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-06/30/2025<br>| XXXX |  |  | SC | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304719769 | Closed | 2025-06-26 11:58 | 2025-06-29 18:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-06/27/2025 <br> Open- - Due Diligence Vendor-06/26/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/27/2025<br>| Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-06/30/2025<br>| XXXX |  |  | SC | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692844 | Closed | 2025-06-20 02:55 | 2025-06-25 16:12 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of XXXX month(s) are less than Guideline Required Reserves of XXXX month(s) Exception on pg XXXX for XXXX mo reserves vs XXXX months<br>- Due Diligence Vendor-06/20/2025 <br> Open- - Due Diligence Vendor-06/20/2025 |  | Waived-Audited Reserves of XXXX month(s) are less than Guideline Required Reserves of XXXX month(s) Exception on pg XXXX for XXXX mo reserves vs XXXX months<br>- Due Diligence Vendor-06/20/2025 |  |  | Residual Income is $XXXX. Minimum Residual Income required per guidelines is $XXXX. <br> DTI is XXXX %. Maximum allowed per guidelines is XXXX %.<br> Fico XXXX minimum per guidelines is XXXX | FL | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 304719794 | Closed | 2025-07-16 09:52 | 2025-07-16 10:06 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Resolved. Finance charge is $XXXX less than actual finance amount. Benefit to Borrower. - Due Diligence Vendor-07/16/2025 <br> Open-Resolved. Finance charge is $XXXXless than actual finance amount. Benefit to Borrower. - Due Diligence Vendor-07/16/2025 <br> Open-The disclosed finance charge ($XXXX) is ($XXXX) below the actual finance charge($XXXX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXXXbelow the actual finance charge. (XXXX)(XXXX; XXXX) Resolved. Finance charge is less than actual. Benefit to Borrower. - Due Diligence Vendor-07/16/2025 <br> Open- - Due Diligence Vendor-07/16/2025 |  | Resolved-Resolved. Finance charge is $XXXX less than actual finance amount. Benefit to Borrower. - Due Diligence Vendor-07/16/2025 |  |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304719794 | Closed | 2025-06-23 01:25 | 2025-07-16 10:04 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXXpoints to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXXXXXX) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. XXXX and the Final Closing disclosure on Pg. XXXXreflects escrows. Rate lock date was entered correctly – see Pg. XXXX interior and exterior appraisal was completed for this property – see Pg XXXX . Findings, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg XXXX, XXXX. Findings for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved." - Due Diligence Vendor-07/16/2025 <br> Open- - Due Diligence Vendor-07/16/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 383 and the Final Closing disclosure on Pg# XXXXreflects escrows. Rate lock date was entered correctly see Pg# XXXX An interior and exterior appraisal was completed for this property – see Page#XXXX the appraisal disclosure was provided to the borrower(s)- see Pg#XXXX , and copy of the appraisal was given to the borrower see Pg# XXXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-06/23/2025 <br> Open- - Due Diligence Vendor-06/23/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the XXXX XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. XXXX and the Final Closing disclosure on Pg. XXXXreflects escrows. Rate lock date was entered correctly – see Pg. XXXX . An interior and exterior appraisal was completed for this property – see Pg XXXX . Findings, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg XXXX , XXXX. Findings for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved." - Due Diligence Vendor-07/16/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the XXXX XXXXthreshold of (XXXX %). The threshold is determined by adding XXXXpoints to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX %).(XXXX)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# XXXX and the Final Closing disclosure on Pg# XXXX reflects escrows. Rate lock date was entered correctly see Pg# XXXX An interior and exterior appraisal was completed for this property – see Page#XXXX the appraisal disclosure was provided to the borrower(s)- see Pg#XXXX , and copy of the appraisal was given to the borrower see Pg# XXXX for the copy of the disclosure. The loan meets XXXX guidelines - Due Diligence Vendor-06/23/2025 |  |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304730961 | Closed | 2025-06-27 07:26 | 2025-07-25 06:02 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved- - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Open-Audited DTI Exceeds Guideline DTI Income per worksheet on pg XXXX reflects $XXXX vs the final 1003 of $XXXX causing difference in DTI - Due Diligence Vendor-06/27/2025 |  |  | XXXX |  |  | MD | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304719903 | Closed | 2025-06-23 05:44 | 2025-06-26 10:21 | Waived | 2 - Non-Material B | Credit | Assets | Asset General | Waived-Exception on page XXXX approved to allow spousal funds for reserves, with stipulation reserves remain at no less than XXXX months. Primary purchase with spouse listed as a buyer on the purchase contract and proposed insured on title commitment. - Due Diligence Vendor-06/23/2025 |  | Waived-Exception on page XXXXapproved to allow spousal funds for reserves, with stipulation reserves remain at no less than XXXX months. Primary purchase with spouse listed as a buyer on the purchase contract and proposed insured on title commitment. - Due Diligence Vendor-06/23/2025 |  |  | Credit Score is XXXX . Minimum required per guidelines is XXXX .<br> Residual Income is $XXXX. Minimum Residual Income required per guidelines is $XXXX. <br> Borrower Housing History is XXXX , XXXX months. Housing History required per guidelines is XXXX , XXXX months. | GA | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 304719903 | Closed | 2025-06-23 05:31 | 2025-06-23 05:41 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX %) APR equals or exceeds the XXXX XXXXthreshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)) This loan failed the higher-priced mortgage loan test. (XXXX). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page #XXXXand the Final Closing disclosure on page XXXXreflects escrows. Rate lock date was entered correctly – see page XXXX. An interior and exterior appraisal was completed for this property – see page XXXX-XXXX, the appraisal disclosure was provided to the borrower(s)- see page XXXXand copy of the appraisal was given to the borrower – see page XXXX. The loan meets XXXX guidelines." - Due Diligence Vendor-06/23/2025 <br> Open- - Due Diligence Vendor-06/23/2025 <br> Open- - Due Diligence Vendor-06/23/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXXpoints to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)) This loan failed the higher-priced mortgage loan test. (XXXX)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page #XXXXand the Final Closing disclosure on page XXXXreflects escrows. Rate lock date was entered correctly – see page XXXX. An interior and exterior appraisal was completed for this property – see page XXXX-XXXX, the appraisal disclosure was provided to the borrower(s)- see page XXXXand copy of the appraisal was given to the borrower – see page XXXX. The loan meets HPML guidelines." - Due Diligence Vendor-06/23/2025 |  |  |  | GA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304730942 | Closed | 2025-06-23 01:35 | 2025-06-30 11:13 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception Approved - Due Diligence Vendor-06/30/2025 <br> Unable to Resolve-Unable to Resolve-Document Uploaded. XXXXApproves Exception - Buyer-XXXX <br> Open-Audited LTV of XXXX exceeds Guideline LTV of XXXX% Manager Notes: Exception to allow XXXX% LTV at $XXXXmil is approved. Based on pending matrix<br> adjustments - Due Diligence Vendor-06/23/2025 |  | Waived-Exception Approved - Due Diligence Vendor-06/30/2025<br>| XXXX |  | DTI is XXXX %. Maximum allowed per guidelines is XXXX %.<br> Credit Score is XXXX . Minimum required per guidelines is XXXX . | DC | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXX | XXXX |  | 304719789 | Closed | 2025-06-23 23:51 | 2025-07-03 05:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Requested Home Loan Toolkit provided hence resolved.<br> - Due Diligence Vendor-07/03/2025 <br> Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. Toolkit uploaded for review. - Buyer-XXXX <br> Open-Tool Kit missing in file. - Due Diligence Vendor-06/24/2025 |  | Resolved-Requested Home Loan Toolkit provided hence resolved.<br> - Due Diligence Vendor-07/03/2025 <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-07/03/2025<br>| XXXX |  |  | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304719789 | Closed | 2025-06-23 22:21 | 2025-07-03 05:20 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Requested XXXX Months of housing history provided hence resolved. - Due Diligence Vendor-07/03/2025 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. Housing History uploaded for review. - Buyer-XXXX <br> Open-Housing History Does Not Meet Guideline Requirements Verification of rent document is missing in file for previous address.<br> Primary Mortgage or Current Rent History considered 3 from credit report but unable to verify at least XXXX months of rent payment from Bank Statement. <br> - Due Diligence Vendor-06/24/2025 |  | Resolved-Requested XXXX Months of housing history provided hence resolved. - Due Diligence Vendor-07/03/2025 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-07/03/2025 | XXXX |  |  | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709099 | Closed | 2025-06-25 03:15 | 2025-06-25 17:59 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX %) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(1XXXX)) This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXXX-XXXXand the Final Closing disclosure on Pg#'s XXXXreflects escrows. Rate lock date was entered correctly – see Pg#'s XXXXAn interior and exterior appraisal was completed for this property – see pg XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX, and copy of the appraisal was given to the borrower – see Pg#'s XXXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-06/25/2025 <br> Open- - Due Diligence Vendor-06/25/2025 <br> Open- - Due Diligence Vendor-06/25/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXXX-XXXX and the Final Closing disclosure on Pg#'s vreflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX An interior and exterior appraisal was completed for this property – see pg XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX , and copy of the appraisal was given to the borrower – see Pg#'s XXXXfor the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-06/25/2025 |  |  |  | FL | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304730954 | Closed | 2025-06-26 06:09 | 2025-07-02 08:14 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income/Employment General | Waived-Exception document available on XXXX approved to use alimony income in qualifying with XXXX vs XXXX mo history of receipt. Newly divorced as of XXXX and documented receipt of $XXXX/mo for XXXX mo so far without variation. - Due Diligence Vendor-06/26/2025 |  | Waived-Exception document available on XXXX approved to use alimony income in qualifying with XXXX vs XXXX mo history of receipt. Newly divorced as of XXXX and documented receipt of $XXXX/mo for XXXX mo so far without variation. - Due Diligence Vendor-06/26/2025 |  |  | LTV is XXXX %. Maximum allowed per guidelines is XXXX %.<br> Credit Score is XXXX . Minimum required per guidelines is XXXX .<br> Borrower(s) have XXXX months Reserves. Minimum required per guidelines is XXXX months. | WA | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 304719848 | Closed | 2025-06-29 23:13 | 2025-07-10 03:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report Provided. - Due Diligence Vendor-07/10/2025 <br> Ready for Review-Document Uploaded. Drive report shows UDM with no alerts - Buyer-XXXX<br> Open-Borrower 1 Gap Credit Report is Missing Gap Credit Report is Missing - Due Diligence Vendor-06/30/2025 |  | Resolved-Borrower 1 Gap Credit Report Provided. - Due Diligence Vendor-07/10/2025<br>| XXXX |  |  | AZ | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304719848 | Closed | 2025-06-30 22:20 | 2025-07-09 15:48 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Exception Approved - Due Diligence Vendor-07/09/2025 <br> Unable to Resolve-Unable to Resolve-XXXX approves exception - Buyer-XXXX <br> Open-Housing History Does Not Meet Guideline Requirements Exception Page no.#XXXX<br> Exception approved to accept private VOR with incomplete rental documentation.<br> Bwr meets requirements of guide XXXX for no verifiable housing history. Must maintain XXXX% min bwr<br> contribution and XXXX mo reserves. DTI < XXXX% and > XXXX residual. XXXXCS with no history of lates on any<br> obligations. - Due Diligence Vendor-07/01/2025 |  | Waived-Exception Approved - Due Diligence Vendor-07/09/2025<br>|  |  | DTI is XXXX %. Maximum allowed per guidelines is XXXX %.<br> Credit Score is XXXX . Minimum required per guidelines is XXXX .<br> Residual Income is $XXXX. Minimum Residual Income required per guidelines is $XXXX.  | AZ | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXX | XXXX |  | 304719848 | Closed | 2025-06-30 00:36 | 2025-07-07 13:53 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the XXXX XXXXthreshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXXXand the Final Closing disclosure on Pg#'s XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX . An interior and exterior appraisal was completed for this property – see pg XXXX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX . The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/30/2025 <br> Open- - Due Diligence Vendor-07/07/2025 <br> Open- - Due Diligence Vendor-07/01/2025 <br> Open- - Due Diligence Vendor-06/30/2025 <br> Open- - Due Diligence Vendor-06/30/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX %). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX . While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXXXand the Final Closing disclosure on Pg#'s XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX. An interior and exterior appraisal was completed for this property – see pg XXXX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX . The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/30/2025 |  |  |  | AZ | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304684617 | Closed | 2025-06-30 03:08 | 2025-07-07 10:16 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income/Employment General | Waived-Lender provided approved exception in file, p. 3305, for borrower provide transcripts is approved. Transcripts match W2s used to qualify. Please allow to use broker/borrower provided W2 transcript, results match the W2s. Exception is extended to 1040 transcripts as well as W2. Finding waived. <br> - Due Diligence Vendor-06/30/2025 |  | Waived-Lender provided approved exception in file, p. XXXX , for borrower provide transcripts is approved. Transcripts match XXXX used to qualify. Please allow to use broker/borrower provided W2 transcript, results match the W2s. Exception is extended to XXXX transcripts as well as XXXX . Finding waived. <br> - Due Diligence Vendor-06/30/2025 |  |  | Qualifying FICO XXXX , GL FICO XXXX <br> Qualifying Reserves XXXX months, GL reserves XXXX months<br> Qualifying DTI XXXX %, GL DTI XXXX % | CA | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 304735912 | Closed | 2025-06-30 09:19 | 2025-07-23 12:07 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Resolved-Updated 1008 received. IO DTI has been confirmed and verified. - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. updated 1008 showing correct payment - Seller-07/21/2025 <br> Open-Audited DTI of XXXX % exceeds Guideline DTI of XXXX % DTI discrepancy is due to P&I amount. Provided 1008 doc reflects P&I as $XXXXwhereas per I/O note pg-XXXX, P&I for first XXXXmonths is $XXXX , which is impacting HTI, DTI. <br> - Due Diligence Vendor-06/30/2025 | Ready for Review-Document Uploaded. updated 1008 showing correct payment - Seller-07/21/2025<br>| Resolved-Updated 1008 received. IO DTI has been confirmed and verified. - Due Diligence Vendor-07/23/2025 | XXXX |  |  | MN | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304735912 | Closed | 2025-06-30 08:37 | 2025-07-22 07:34 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 uploaded with corrected IO payment in 1008. - Due Diligence Vendor-07/22/2025 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. updated 1008 showing correct payment - Seller-07/21/2025 <br> Counter-Value should reflect the IO period amount - $XXXX - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Agree that the amount is incorrect, but please clarify if it should be showing $XXXXor if it should be showing the full payment of $XXXXafter the first XXXX months. - Seller-07/11/2025 <br> Open-The 1008 document is missing from the loan file. Provided XXXXdoc reflects P&I as $XXXX whereas per I/O note pg-XXXX, P&I for first XXXXmonths is $XXXX, which is impacting HTI, DTI. - Due Diligence Vendor-06/30/2025 | Ready for Review-Document Uploaded. updated 1008 showing correct payment - Seller-07/21/2025 <br> Ready for Review-Agree that the amount is incorrect, but please clarify if it should be showing $XXXX or if it should be showing the full payment of $XXXX after the first XXXX months. - Seller-07/11/2025 | Resolved-Updated 1008 uploaded with corrected IO payment in XXXX . - Due Diligence Vendor-07/22/2025 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/22/2025 | XXXX |  |  | MN | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304735912 | Closed | 2025-06-30 08:26 | 2025-07-17 08:34 | Resolved | 1 - Information C A | Credit | Doc Issue | Missing asset documentation (ATR) | Resolved-Provide a copy of the checks to verify the values - Due Diligence Vendor-07/17/2025 <br> Ready for Review-the e-mail chain shows that XXXXk was received on XXXX and the other XXXXk was received on XXXX. Are you asking for a copy of the actual checks? Please clarify - Seller-07/15/2025 <br> Counter-Email chain for EMD values provided. However, confirmation of receipt and check confirming the XXXX deposits is pending - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. see e-mail chain for EMD. - Seller-07/10/2025 <br> Open-Proof of EMD $XXXX is missing in file.<br> - Due Diligence Vendor-06/30/2025 | Ready for Review-the e-mail chain shows that XXXXk was received on XXXX and the other XXXXk was received on XXXX. Are you asking for a copy of the actual checks? Please clarify - Seller-07/15/2025 <br> Ready for Review-Document Uploaded. see e-mail chain for EMD. - Seller-07/10/2025 | Resolved-Provide a copy of the checks to verify the values - Due Diligence Vendor-07/17/2025<br>| XXXX |  |  | MN | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304735912 | Closed | 2025-06-30 10:07 | 2025-07-14 04:09 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Updated Lender Approval Form with corrected HTI & DTI uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. updated NQM screenshot - Seller-07/11/2025 <br> Open-DTI and HTI values provide on lender approval sheet is wrong which was calculated based wrong P&I $XXXX. Require updated Lender Approval Form with corrected HTI and DTI. - Due Diligence Vendor-06/30/2025 | Ready for Review-Document Uploaded. updated NQM screenshot - Seller-07/11/2025<br>| Resolved-Updated Lender Approval Form with corrected HTI & DTI uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-07/14/2025<br>| XXXX |  |  | MN | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304734499 | Closed | 2025-06-29 22:59 | 2025-07-09 06:59 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-XXXX provided and updated in LM - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. Please review upload - Buyer-07/08/2025 <br> Open-Qualifying FICO on the XXXX Page is 'XXXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Updated as per latest credit report mid score showing XXXX. - Due Diligence Vendor-06/30/2025 |  | Resolved-XXXX provided and updated in LM - Due Diligence Vendor-07/09/2025 | XXXX |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304719897 | Closed | 2025-07-08 08:48 | 2025-07-21 06:34 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of XXXX month(s) - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. Please see the attached supporting document from the Greenbox transaction, where the borrower completed a cash-out refinance and received $XXXX at closing.<br>This supports that the borrower received at least the required minimum additional $XXXX from the Greenbox refinance.<br>Let me know if any further information is needed. - Buyer-07/17/2025 <br> Open-Audited Reserves ofXXXX month(s) are less than Guideline Required Reserves of XXXX month(s) Per final XXXX reflects Greenbox account for $XXXX however no supporting documentation in file to verify - Due Diligence Vendor-07/08/2025 |  | Resolved-Audited Reserves ofXXXX month(s) are greater than or equal to Guideline Required Reserves of XXXX month(s) - Due Diligence Vendor-07/21/2025 | XXXX |  |  | AZ | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304730956 | Closed | 2025-07-08 14:13 | 2025-07-28 21:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Partially Provided | Resolved-Lender provided HOI and flood invoice to confirm premium amounts. Finding resolved. - Due Diligence Vendor-07/29/2025 <br>Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-07/29/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/24/2025 <br>Open-Flood Insurance Policy Partially Provided Premium listed on EOI does not confirm flood insurance premium. Provide updated hazard document. (hazard doc includes hazard , wind, flood insurance amounts) - Due Diligence Vendor-07/08/2025 |  | Resolved-Lender provided HOI and flood invoice to confirm premium amounts. Finding resolved. - Due Diligence Vendor-07/29/2025 <br>Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-07/29/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304730956 | Closed | 2025-07-01 06:54 | 2025-07-28 21:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Lender provided HOI and flood invoice to confirm premium amounts. Finding resolved. - Due Diligence Vendor-07/29/2025 <br> Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. HOI and Flood are on same policy - Seller-07/24/2025 <br> Open-Hazard Insurance Policy Partially Provided As per final doc hazard amount is $XXXX = $XXXX however hazard document doesn't confirm premium amount for Hazard. Provide updated hazard document. (hazard doc includes hazard , wind, flood insurance amounts) - Due Diligence Vendor-07/01/2025 | Ready for Review-Document Uploaded. HOI and Flood are on same policy - Seller-07/24/2025<br>| Resolved-Lender provided HOI and flood invoice to confirm premium amounts. Finding resolved. - Due Diligence Vendor-07/29/2025 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-07/29/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304730956 | Closed | 2025-07-01 05:35 | 2025-07-28 21:48 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved-Lender provided Initial CD executedXXXX. Finding resolved. - Due Diligence Vendor-07/29/2025 <br> Resolved-Lender provided Initial CD executedXXXX. Finding resolved. - Due Diligence Vendor-07/29/2025 <br> Resolved- - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. Please find signed CD dated and signed on XXXX, loan closed XXXX within allowable time frame - Buyer-07/24/2025 <br> Open-The Initial Closing Disclosure Received Date of (XXXX) is not three business days before the consummation date of (XXXX). Three business days before the consummation date is (XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR XXXX(f)(1)(ii)(A)); XXXX(f)(1)(iii)) ICD's received on XXXX, Revised CD's on XXXX final one XXXX which is not more than XXXX days - Due Diligence Vendor-07/01/2025 <br> Open- - Due Diligence Vendor-07/01/2025 |  | Resolved-Lender provided Initial CD executed XXXX. Finding resolved. - Due Diligence Vendor-07/29/2025 <br> Resolved-Lender provided Initial CD executedXXXX. Finding resolved. - Due Diligence Vendor-07/29/2025 | XXXX |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304730956 | Closed | 2025-07-01 06:58 | 2025-07-25 05:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Proof for XXXX/XXXX-XXXX payment provided. LOE not required. - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. XXXX was not excluded; it's under XXXX liabilities. - Buyer-07/24/2025 <br> Open-B2 credit liabilities are showing amount of $XXXX XXXX/XXXX-XXXX there is no proof for paying mortgage hence excluded in credit liabilities . Need proof for that - Due Diligence Vendor-07/01/2025 |  | Resolved-Proof for XXXX/XXXX-XXXX payment provided. LOE not required. - Due Diligence Vendor-07/25/2025 | XXXX |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304730927 | Closed | 2025-07-02 23:17 | 2025-07-17 23:34 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Updated Assets provided. Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of 6 month(s).<br> - Due Diligence Vendor-07/18/2025 <br> Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of XXXX month(s) - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. additional reserves provided - Buyer-07/17/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of XXXX month(s) Provided assets are not sufficient . provide more assets . - Due Diligence Vendor-07/03/2025 |  | Resolved-Updated Assets provided. Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of XXXX month(s).<br> - Due Diligence Vendor-07/18/2025 <br> Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of XXXX month(s) - Due Diligence Vendor-07/18/2025 | XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304709133 | Closed | 2025-07-02 03:31 | 2025-07-23 04:05 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-As HTI & DTI are well within the Guidelines we don't require updated XXXX for change in all other Monthly Payments hence resolved. - Due Diligence Vendor-07/23/2025 <br> Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. - Buyer-07/22/2025 <br> Open-The XXXX document is missing from the loan file. All other monthly payments are different than the calculated monthly payments - Due Diligence Vendor-07/02/2025 |  | Resolved-As HTI & DTI are well within the Guidelines we don't require updated XXXX for change in all other Monthly Payments hence resolved. - Due Diligence Vendor-07/23/2025 <br> Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-07/23/2025 | XXXX |  |  | GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304730923 | Closed | 2025-07-08 16:34 | 2025-07-24 12:17 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Hazard Insurance Policy is Missing | Waived-Exception Approved - Due Diligence Vendor-07/24/2025 <br> Unable to Resolve-Unable to Resolve-XXXX approves exception. Borrower has an individual policy that provides full coverage of the property. - Buyer-07/23/2025 <br> Open-The subject property is a XXXX. Provide XXXX/XXXX master insurance policy as required per XXXX. - Due Diligence Vendor-07/08/2025 |  | Waived-Exception Approved - Due Diligence Vendor-07/24/2025<br>|  |  | XXXX FICO<br> XXXX months reserves, min is XXXX<br> Borrower has an individual policy that provides full coverage of the property | FL | Investment | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXX | XXXX |  | 304730923 | Closed | 2025-07-08 16:07 | 2025-07-10 07:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Lender provided Initial Business Purpose and Occupancy Affidavit Disclosure. Condition resolved. - Due Diligence Vendor-07/10/2025 <br> Ready for Review-Document Uploaded. please review upload, per Paramount guidelines Initial Business Purpose and Occupancy Affidavit Disclosure isn't required.<br>- Buyer-07/09/2025 <br> Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose V2 Page is 'Present'. Business Purpose Affidavit is required for a DSCR loan. - Due Diligence Vendor-07/08/2025 |  | Resolved-Lender provided Initial Business Purpose and Occupancy Affidavit Disclosure. Condition resolved. - Due Diligence Vendor-07/10/2025<br>| XXXX |  | Provide an executed Initial Business Purpose and Occupancy Affidavit Disclosure. Final Business Purpose and Occupancy Affidavit Disclosure dated XXXX in file. | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304734510 | Closed | 2025-07-11 07:53 | 2025-08-11 10:55 | Waived | 2 - Non-Material C B | Credit | Credit | DSCR Does Not Meet Guideline Requirements | Waived-Exception Approved - Due Diligence Vendor-08/11/2025 <br> Ready for Review-XXXX agrees to utilize the STR feasibility report ($XXXX) over the XXXX.<br> - Buyer-08/11/2025 <br> Open-Per guidelines for short term rental- use the lower of the short term rental income $XXXX or XXXX. Third party market rent on the XXXX $XXXX is the lower of the two. If XXXX is used to qualify DSCR would be under XXXX. No exception provided. - Due Diligence Vendor-07/11/2025 |  | Waived-Exception Approved - Due Diligence Vendor-08/11/2025<br>|  |  | XXXX FICO<br> XXXX months reserves, min is XXXX | GA | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | Investor Post-Close | No |
| XXXX | XXXX |  | 304734510 | Closed | 2025-07-07 23:47 | 2025-07-17 23:46 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-07/17/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount Title Coverage Amount of $XXXXs is Less than Loan Amount $XXXX. - Due Diligence Vendor-07/08/2025 |  | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/18/2025 | XXXX |  |  | GA | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304734514 | Closed | 2025-07-14 11:43 | 2025-07-22 07:23 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. Please review upload - Buyer-07/21/2025 <br> Open-Title coverage is not sufficient. Title coverage for lender is XXXX, loan amount is XXXX. Upload title showing correct coverage - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. attached - Buyer-07/15/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount - Due Diligence Vendor-07/14/2025 |  | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/22/2025 | XXXX |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304734514 | Closed | 2025-07-09 03:16 | 2025-07-17 07:05 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-XXXX approves exception. - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. Unable to Resolve-XXXX agrees with exception approved by LBontekoe on 6/27/2025<br> - Seller-07/15/2025 <br> Open- As per guidelines we required XXXX months of Reserve, however audited reserve is XXXX , there is a Mail confirmation avaible page no-XXXX regarding exception request review: <br> • Expanded Prime: Borrower has < XXXX months reserves - total reserves = XXXX months" , however Exceptions Documents is missing in the file . - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. Unable to Resolve-XXXX agrees with exception approved by LBontekoe on 6/27/2025<br> - Seller-07/15/2025 | Resolved-XXXX approves exception. - Due Diligence Vendor-07/17/2025 | XXXX |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304734514 | Closed | 2025-07-09 02:24 | 2025-07-16 02:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Photo Identification Type Missing | Resolved-Borrower XXXX Photo Identification (Driver's License) Provided. - Due Diligence Vendor-07/16/2025 <br> Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. IDs attached - Seller-07/15/2025 <br> Open-Borrower XXXX Photo Identification Missing. Please provide valid photo identification per guideline requirements. Borrower ID proof is missing in the file - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. IDs attached - Seller-07/15/2025<br>| Resolved-Borrower XXXX Photo Identification (Driver's License) Provided. - Due Diligence Vendor-07/16/2025 <br> Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-07/16/2025 | XXXX |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304734514 | Closed | 2025-07-09 02:24 | 2025-07-16 02:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Borrower XXXX Photo Identification (Driver's License) Provided. - Due Diligence Vendor-07/16/2025 <br> Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. IDs attached - Seller-07/15/2025 <br> Open-Borrower XXXX Photo Identification Missing. Please provide valid photo identification per guideline requirements. Borrower ID proof is missing in the file - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. IDs attached - Seller-07/15/2025<br>| Resolved-Borrower XXXX Photo Identification (Driver's License) Provided. - Due Diligence Vendor-07/16/2025 <br> Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-07/16/2025 | XXXX |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304734514 | Closed | 2025-07-08 23:45 | 2025-07-16 02:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower XXXX Citizenship Documentation Provided or Not Required - Due Diligence Vendor-07/16/2025 <br> Open-Borrower XXXX Citizenship Documentation Is Missing Borrower ID proof is missing in the file Finding added - Due Diligence Vendor-07/09/2025 |  | Resolved-Borrower XXXX Citizenship Documentation Provided or Not Required - Due Diligence Vendor-07/16/2025 |  |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304734514 | Closed | 2025-07-08 23:45 | 2025-07-16 02:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Citizenship Documentation Not Provided | Resolved-Borrower XXXX Citizenship Documentation Provided or Not Required - Due Diligence Vendor-07/16/2025 <br> Open-Borrower XXXX Citizenship Documentation Is Missing Borrower ID proof is missing in the file Finding added - Due Diligence Vendor-07/09/2025 |  | Resolved-Borrower XXXX Citizenship Documentation Provided or Not Required - Due Diligence Vendor-07/16/2025 |  |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304734514 | Closed | 2025-07-09 01:55 | 2025-07-16 02:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower XXXX Gap Credit Report Provided. - Due Diligence Vendor-07/16/2025 <br> Resolved-Borrower XXXX Gap Credit Report is not missing. - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. gap credit attached - Seller-07/15/2025 <br> Open-Borrower XXXX Gap Credit Report is Missing Borrower XXXX Gap Credit Report is Missing is missing in the file - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. gap credit attached - Seller-07/15/2025<br>| Resolved-Borrower XXXX Gap Credit Report Provided. - Due Diligence Vendor-07/16/2025 <br> Resolved-Borrower XXXX Gap Credit Report is not missing. - Due Diligence Vendor-07/16/2025 | XXXX |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304734514 | Closed | 2025-07-09 01:55 | 2025-07-16 02:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower XXXX Gap Credit Report Provided. - Due Diligence Vendor-07/16/2025 <br> Resolved-Borrower XXXX Gap Credit Report is not missing. - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. attached - Buyer-07/15/2025 <br> Open-Borrower XXXX Gap Credit Report is Missing Borrower XXXX Gap Credit Report is Missing in the file - Due Diligence Vendor-07/09/2025 |  | Resolved-Borrower XXXX Gap Credit Report Provided. - Due Diligence Vendor-07/16/2025 <br> Resolved-Borrower XXXX Gap Credit Report is not missing. - Due Diligence Vendor-07/16/2025 | XXXX |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304719808 | Closed | 2025-07-09 23:49 | 2025-07-17 07:10 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-in findings - Due Diligence Vendor-07/17/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/17/2025 <br>Open-Consumer Caution and Home Owner Counseling Notice is Missing. - Due Diligence Vendor-07/10/2025 |  | Resolved-in findings - Due Diligence Vendor-07/17/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304725148 | Closed | 2025-07-10 04:03 | 2025-07-25 04:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax provided. Tax amount is now Matching with Final CD.<br> - Due Diligence Vendor-07/25/2025 <br> Resolved-Evidence of Property Tax is present - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. Underwriter's Write-Up – Property Tax Calculation Approach (Jarjour Files)<br> Per guidance from management, it was confirmed that we are to utilize the appraised value multiplied by the actual property tax rate of XXXX% for the purposes of calculating monthly property tax escrows. This approach has been applied consistently across all Jarjour loan files.<br> Supporting documentation includes an email from escrow/title confirming the current property tax rate ofXXXX% as accurate and applicable for the subject properties.<br> Accordingly, for each file, we calculated the monthly property tax payment using the following formula:<br> Appraised Value x XXXX% ÷ XXXX months<br> This method ensures consistency with internal underwriting standards and aligns with the tax auditor's rate. All figures have been documented in the respective loan files for audit and compliance purposes.<br> - Buyer-07/24/2025 <br> Open-Missing Evidence of Property Tax Require updated Tax amount with corrected tax amount. Used assessed value with 1.25% as tax rate to qualify monthly tax amount. - Due Diligence Vendor-07/10/2025 |  | Resolved-Evidence of Property Tax provided. Tax amount is now Matching with Final CD.<br> - Due Diligence Vendor-07/25/2025 <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-07/25/2025<br>| XXXX |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304725148 | Closed | 2025-07-14 20:10 | 2025-07-14 20:11 | Waived | 2 - Non-Material B | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | Waived- Exception on page XXXX – Approved to allow XXXX loans for XXXX borrower. Per guidelines maximum of XXXX loans are allowed per borrower. - Due Diligence Vendor-07/15/2025 |  | Waived- Exception on page XXXX – Approved to allow XXXX loans for XXXX borrower. Per guidelines maximum of XXXX loans are allowed per borrower. - Due Diligence Vendor-07/15/2025 |  |  | Credit Score is XXXX. Minimum required per guidelines is XXXX.<br> LTV is XXXX%. Maximum allowed per guidelines is XXXX%.<br> Borrower(s) have XXXXmonths Reserves. Minimum required per guidelines is XXXX months.<br> Housing hsitory-XXXXx> XXXX months minimum per guidelines is XXXX | CA | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 304725148 | Closed | 2025-07-14 20:08 | 2025-07-14 20:09 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is ineligible | Waived- Exception Exception letter is on pg-XXXX– Approved to allow a Condo that does not meet non warrantable condo guidelines as the borrower is XXXX% owner of the condo(XXXX units). - Due Diligence Vendor-07/15/2025 |  | Waived- Exception Exception letter is on pg-XXXX– Approved to allow a Condo that does not meet non warrantable condo guidelines as the borrower is XXXX% owner of the condo(XXXX units). - Due Diligence Vendor-07/15/2025 |  |  | Credit Score is XXXX. Minimum required per guidelines is XXXX.<br> LTV is XXXX%. Maximum allowed per guidelines is XXXX%.<br> Borrower(s) have XXXX months Reserves. Minimum required per guidelines is XXXX months.<br> Housing hsitory-XXXXmonths minimum per guidelines isXXXX | CA | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 304730951 | Closed | 2025-07-10 05:41 | 2025-08-04 09:55 | Resolved | 1 - Information A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Deephaven's broker agreement contractually obligates the broker to comply with anti-steering. Finding resolved. - Due Diligence Vendor-08/04/2025 <br>Ready for Review-It's our understanding that this disclosure is required of the broker, not the lender and therefore we do not expect Selene to test for the presence of this disclosure and would not expect to have a finding for a lack thereof. This is from our legal department. Please escalate to have this cleared, thank you <br>- Buyer-07/26/2025 <br>Open-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. Missing Anti-Steering Disclosure - Due Diligence Vendor-07/10/2025 |  | Resolved-XXXX broker agreement contractually obligates the broker to comply with anti-steering. Finding resolved. - Due Diligence Vendor-08/04/2025 |  |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304730951 | Closed | 2025-08-04 09:38 | 2025-08-04 09:54 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-Resolved - Due Diligence Vendor-08/04/2025 <br> Open-The Homeownership Counseling Disclosure Sent Date (XXXX) is more than XXXX business days from the Application Date (XXXX). Three business days from the Application Date is (XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR XXXX) open - Due Diligence Vendor-08/04/2025 <br> Open- - Due Diligence Vendor-08/04/2025 |  | Resolved-Resolved - Due Diligence Vendor-08/04/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304730951 | Closed | 2025-07-13 21:29 | 2025-08-04 09:53 | Resolved | 1 - Information C A | Compliance | Disclosure | Escrow Waiver is Not Executed | Resolved-Escrow Waiver is Executed Lender provided fully executed escrow waiver. Finding resolved. - Due Diligence Vendor-07/29/2025 <br>Resolved-Lender provided fully executed Escrow waiver. Finding resolved. - Due Diligence Vendor-07/29/2025 <br>Ready for Review-Document Uploaded. - Seller-07/26/2025 <br>Open-Escrow Waiver is Not Executed Provide Borrower signed Escrow Waiver document. - Due Diligence Vendor-07/14/2025 | Ready for Review-Document Uploaded. - Seller-07/26/2025<br>| Resolved-Escrow Waiver is Executed Lender provided fully executed escrow waiver. Finding resolved. - Due Diligence Vendor-07/29/2025 <br>Resolved-Lender provided fully executed Escrow waiver. Finding resolved. - Due Diligence Vendor-07/29/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304730951 | Closed | 2025-07-10 05:45 | 2025-08-04 09:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Lender provided fully executed Final CD, finding rescinded. - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/01/2025 <br>Counter-Document Uploaded. Final CD missing, unable to read upload. Finding countered. - Due Diligence Vendor-07/29/2025 <br>Ready for Review-Document Uploaded. - Seller-07/26/2025 <br>Open-TRID: Missing Closing Disclosure TRID: Borrower signed Final Closing Disclosure is missing from file. - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. - Seller-07/26/2025<br>| Resolved-Lender provided fully executed Final CD, finding rescinded. - Due Diligence Vendor-08/04/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304730951 | Closed | 2025-07-10 03:51 | 2025-07-29 11:18 | Resolved | 1 - Information C A | Compliance | Closing | The Deed of Trust is Not Executed | Resolved-The Deed of Trust is Executed - Due Diligence Vendor-07/29/2025 <br>Resolved-Lender provided fully executed DOT. Finding resolved. - Due Diligence Vendor-07/29/2025 <br>Ready for Review-Document Uploaded. - Seller-07/26/2025 <br>Open-The Deed of Trust is Not Executed Borrower signed Deed of Trust is missing from file. - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. - Seller-07/26/2025<br>| Resolved-The Deed of Trust is Executed - Due Diligence Vendor-07/29/2025 <br>Resolved-Lender provided fully executed DOT. Finding resolved. - Due Diligence Vendor-07/29/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304730951 | Closed | 2025-07-10 03:48 | 2025-07-29 10:50 | Resolved | 1 - Information C A | Compliance | Closing | The Note is Not Executed | Resolved-The Note is Executed - Due Diligence Vendor-07/29/2025 <br>Resolved-Lender provided fully executed Note. Finding resolved. - Due Diligence Vendor-07/29/2025 <br>Ready for Review-Document Uploaded. - Seller-07/26/2025 <br>Open-The Note is Not Executed Borrower signed Note Document is missing from file. - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. - Seller-07/26/2025<br>| Resolved-The Note is Executed - Due Diligence Vendor-07/29/2025 <br>Resolved-Lender provided fully executed Note. Finding resolved. - Due Diligence Vendor-07/29/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304730951 | Closed | 2025-07-10 03:45 | 2025-07-29 10:48 | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-The Final XXXX is Executed - Due Diligence Vendor-07/29/2025 <br> Resolved-Lender provided fully executed Final XXXX. Finding resolved. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. - Buyer-07/26/2025 <br> Open-The Final XXXX is Not Executed Borrower Signed Final XXXX is missing from file. - Due Diligence Vendor-07/10/2025 |  | Resolved-The Final XXXX is Executed - Due Diligence Vendor-07/29/2025 <br> Resolved-Lender provided fully executed Final XXXX. Finding resolved. - Due Diligence Vendor-07/29/2025 | XXXX |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304730951 | Closed | 2025-07-13 21:38 | 2025-07-28 02:52 | Resolved | 1 - Information B A | Credit | Doc Issue | Occupancy Certification is Unexecuted | Resolved-Occupancy cert is unexecuted, provided executed Occupancy cert, changes made in system, Finding Resolved<br> - Due Diligence Vendor-07/28/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/26/2025 <br>Open-Missing executed affidavit of occupancy. <br> - Due Diligence Vendor-07/14/2025 |  | Resolved-Occupancy cert is unexecuted, provided executed Occupancy cert, changes made in system, Finding Resolved<br> - Due Diligence Vendor-07/28/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304730951 | Closed | 2025-07-13 21:25 | 2025-07-28 02:52 | Resolved | 1 - Information B A | Credit | Doc Issue | Condo / PUD rider Missing | Resolved-Condo rider is unexecuted, provided executed Condo rider, changes made in system, Finding Resolved<br> - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. See DOT and rider signed and attached to DOT. - Seller-07/26/2025 <br> Open-Condo / PUD rider Missing Provided Condo rider on page XXXX is unexecuted. Provide updated document with signature. - Due Diligence Vendor-07/14/2025 | Ready for Review-Document Uploaded. See DOT and rider signed and attached to DOT. - Seller-07/26/2025<br>| Resolved-Condo rider is unexecuted, provided executed Condo rider, changes made in system, Finding Resolved<br> - Due Diligence Vendor-07/28/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304730964 | Closed | 2025-07-09 01:15 | 2025-07-09 01:25 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXXX and the Final Closing disclosure on Pg#'s XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX. An interior and exterior appraisal was completed for this property – see pg XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/09/2025 <br> Open- - Due Diligence Vendor-07/09/2025 <br> Open- - Due Diligence Vendor-07/09/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXXX and the Final Closing disclosure on Pg#'s XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX. An interior and exterior appraisal was completed for this property – see pg XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/09/2025 |  |  |  | PA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304734519 | Closed | 2025-07-11 00:51 | 2025-07-23 14:36 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-07/23/2025 <br> Unable to Resolve-Unable to Resolve-XXXX Agrees to waive; please downgrade to a Non-Material Grade 2. - Buyer-07/22/2025 <br> Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Initial Business Purpose Affidavit Disclosure is missing in file. - Due Diligence Vendor-07/11/2025 |  | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-07/23/2025 |  |  |  | NY | Investment | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | XXXX |  | 304734519 | Closed | 2025-07-11 02:11 | 2025-07-22 08:53 | Resolved | 1 - Information C A | Compliance | Disclosure | Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect | Resolved-Provided a corrected CD with the correct PPP amount listed - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. Corrected PCCD uploaded for review. - Buyer-07/21/2025 <br> Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. Prepayment Penalty on Closing Disclosure is $XXXX does not match the prepayment penalty calculation on the Note is $XXXX . - Due Diligence Vendor-07/11/2025 |  | Resolved-Provided a corrected CD with the correct PPP amount listed - Due Diligence Vendor-07/22/2025<br>| XXXX |  |  | NY | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304692754 | Closed | 2025-07-15 07:39 | 2025-08-15 10:43 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-08/08/2025 <br> Open-The XXXX Page Loan Type is 'Conventional' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Occupancy is Investment property, Business Purpose Affidavit is required. - Due Diligence Vendor-07/15/2025 |  | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-08/08/2025 |  |  |  | NC | Investment | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | XXXX |  | 304692754 | Closed | 2025-07-15 08:07 | 2025-08-13 12:33 | Acknowledged | 2 - Non-Material A B | Compliance | HigherPriced:APR | North Carolina - Rate Spread Home Loan (First Lien 10/13)(Conforming) | Acknowledged-XXXX Acknowledged - Due Diligence Vendor-08/13/2025 <br> Ready for Review-So long as a NC Rate Spread Loan does not violate any Federal Laws, then there is no legal consequence in originating or purchasing a NC Rate Spread Loan. - Buyer-08/13/2025 <br> Open- - Due Diligence Vendor-08/11/2025 <br> Open- - Due Diligence Vendor-08/11/2025 <br> Open- - Due Diligence Vendor-08/11/2025 <br> Open- - Due Diligence Vendor-08/11/2025 <br> Open- - Due Diligence Vendor-08/11/2025 <br> Open- - Due Diligence Vendor-08/07/2025 <br> Open- - Due Diligence Vendor-08/07/2025 <br> Open- - Due Diligence Vendor-08/07/2025 <br> Open- - Due Diligence Vendor-08/07/2025 <br> Open-The loan's (XXXX%) APR equals or exceeds the North Carolina Rate Spread Home Loan first lien conforming loan threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a XXXX unit dwelling is (6.88%).(N.C. Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-08/07/2025 <br> Open- - Due Diligence Vendor-08/07/2025 <br> Rescinded-Unexpectedly run the compliance, Compliance Test Not required for Investment loan. - Due Diligence Vendor-07/15/2025 <br> Open- - Due Diligence Vendor-07/15/2025 |  | Acknowledged-XXXX Acknowledged - Due Diligence Vendor-08/13/2025 <br> Rescinded-Unexpectedly run the compliance, Compliance Test Not required for Investment loan. - Due Diligence Vendor-07/15/2025 |  |  |  | NC | Investment | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | XXXX |  | 304692754 | Closed | 2025-07-16 08:19 | 2025-07-29 08:44 | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Document received for clarification meeting requirements. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. Uploaded for review - Buyer-07/28/2025 <br> Open-Cash Out is not completed according to the guideline requirements A minimum of XXXX months has not elapsed since the most recent mortgage transaction on the subject property. - Due Diligence Vendor-07/16/2025 |  | Resolved-Document received for clarification meeting requirements. - Due Diligence Vendor-07/29/2025<br>| XXXX |  |  | NC | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304730932 | Closed | 2025-07-17 12:02 | 2025-07-22 13:26 | Resolved | 1 - Information C A | Compliance | Compliance | RESPA violation; missing Written Settlement Services Provider List. | Resolved-Lender provided WSPL relevant to initial LE. Finding resolved. - Due Diligence Vendor-07/22/2025 <br>Ready for Review-Document Uploaded. Settlement Ser Dis uploaded for review. - Seller-07/21/2025 <br>Open-Written service provider list relevant to Initial LE is missing from file. - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. Settlement Ser Dis uploaded for review. - Seller-07/21/2025<br>| Resolved-Lender provided WSPL relevant to initial LE. Finding resolved. - Due Diligence Vendor-07/22/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304730932 | Closed | 2025-07-14 01:41 | 2025-07-22 13:20 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Lender provided the fully executed ITP. Finding resolved. - Due Diligence Vendor-07/22/2025 <br>Ready for Review-Document Uploaded. Intent to Proceed uploaded for review. - Buyer-07/21/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Intent to Proceed Missing in File Required on Primary Residence and Second Homes. - Due Diligence Vendor-07/14/2025 |  | Resolved-Lender provided the fully executed ITP. Finding resolved. - Due Diligence Vendor-07/22/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304730932 | Closed | 2025-07-14 01:54 | 2025-07-22 13:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Requested Consumer Caution (Toolkit) and Homeowner Counseling Provided hence resolved. - Due Diligence Vendor-07/22/2025 <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-07/22/2025 <br>Ready for Review-Document Uploaded. HO Counseling and Toolkit uploaded for review. - Buyer-07/21/2025 <br>Open-Consumer Caution (Toolkit) and Home Owner Counseling Notice is Missing in File. - Due Diligence Vendor-07/14/2025 |  | Resolved-Requested Consumer Caution (Toolkit) and Homeowner Counseling Provided hence resolved. - Due Diligence Vendor-07/22/2025 <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-07/22/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304730932 | Closed | 2025-07-14 01:42 | 2025-07-22 02:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial & Revised Loan Estimate Provided. Updated & Resolved. - Due Diligence Vendor-07/22/2025 <br>Ready for Review-Document Uploaded. LE uploaded for review. - Buyer-07/21/2025 <br>Open-Provide Initial Loan Estimate Missing in File Required to Run Compliance. - Due Diligence Vendor-07/14/2025 |  | Resolved-Initial & Revised Loan Estimate Provided. Updated & Resolved. - Due Diligence Vendor-07/22/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304730940 | Closed | 2025-07-15 00:41 | 2025-07-30 08:12 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Intent to Proceed provided in Findings: INTENT TO PROCEED.PDF. Resolved. - Due Diligence Vendor-07/30/2025 <br>Ready for Review-Document Uploaded. - Seller-07/29/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Intent to Proceed Disclosure. Required on Primary Residence, Missing in File - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. - Seller-07/29/2025<br>| Resolved-Intent to Proceed provided in Findings: INTENT TO PROCEED.PDF. Resolved. - Due Diligence Vendor-07/30/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304730940 | Closed | 2025-07-21 17:17 | 2025-07-30 08:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-07/30/2025 <br>Resolved-Toolkit provided in Findings. Resolved. - Due Diligence Vendor-07/23/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/22/2025 <br>Open-Consumer Caution and Home Owner Counseling Notice / Toolkit is missing. - Due Diligence Vendor-07/21/2025 |  | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-07/30/2025 <br>Resolved-Toolkit provided in Findings. Resolved. - Due Diligence Vendor-07/23/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304730940 | Closed | 2025-07-21 17:18 | 2025-07-30 08:12 | Resolved | 1 - Information A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-07/30/2025 <br>Resolved-Homeownership Counseling Disclosure provided in Findings. Resolved. - Due Diligence Vendor-07/23/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/22/2025 <br>Open-Homeownership Counseling Disclosure is missing. - Due Diligence Vendor-07/21/2025 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-07/30/2025 <br>Resolved-Homeownership Counseling Disclosure provided in Findings. Resolved. - Due Diligence Vendor-07/23/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304730940 | Closed | 2025-07-15 00:40 | 2025-07-30 07:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Service providers list missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-07/30/2025 <br>Ready for Review-Document Uploaded. - Seller-07/29/2025 <br>Open-Provide Service Provider List, Missing in File - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. - Seller-07/29/2025<br>| Resolved-Service providers list missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-07/30/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304730940 | Closed | 2025-07-15 00:40 | 2025-07-23 14:33 | Acknowledged | 2 - Non-Material B | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-07/23/2025 <br> Unable to Resolve-Unable to Resolve-XXXX agrees to accept this as a grade XXXX - Seller-07/22/2025 <br> Open-Provide Affiliated Business Arrangement Disclosure, Missing in File - Due Diligence Vendor-07/15/2025 | Unable to Resolve-Unable to Resolve-XXXX agrees to accept this as a grade XXXX - Seller-07/22/2025 | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-07/23/2025 |  |  |  | FL | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXX | XXXX |  | 304730940 | Closed | 2025-07-15 00:24 | 2025-07-23 05:47 | Resolved | 1 - Information D A | Property | Missing Doc | Missing Updated Completion Report (442/1004D) | Resolved-Requested XXXX Completion Report Provided hence resolved. - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. - Seller-07/22/2025 <br> Open-This appraisal is made "subject to completion per plans and specifications". The Appraisal Update or Completion Report (XXXX) is missing. - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. - Seller-07/22/2025<br>| Resolved-Requested XXXX Completion Report Provided hence resolved. - Due Diligence Vendor-07/23/2025 | XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304730940 | Closed | 2025-07-14 22:31 | 2025-07-23 05:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Requested XXXX Party VOE that is within the XXXX Business days from closing provided hence resolved. - Due Diligence Vendor-07/23/2025 <br> Resolved-Borrower XXXXrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXXX) - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. - Seller-07/22/2025 <br> Open-BorrowerXXXXrd Party VOE Prior to Close Missing Provide Borrower XXXXrd Party VOE Prior to Close - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. - Seller-07/22/2025<br>| Resolved-Requested XXXX Party VOE that is within the XXXX Business days from closing provided hence resolved. - Due Diligence Vendor-07/23/2025 <br> Resolved-BorrowerXXXXrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXXX) - Due Diligence Vendor-07/23/2025 | XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304730940 | Closed | 2025-07-14 22:31 | 2025-07-23 05:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested XXXX Party VOE that is within the XXXX Business days from closing provided hence resolved. - Due Diligence Vendor-07/23/2025 <br> Resolved-Borrower XXXXrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. - Buyer-07/22/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide Borrower 1 3rd Party VOE Prior to Close - Due Diligence Vendor-07/15/2025 |  | Resolved-Requested XXXX Party VOE that is within the XXXX Business days from closing provided hence resolved. - Due Diligence Vendor-07/23/2025 <br> Resolved-Borrower XXXXrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/23/2025 | XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304730940 | Closed | 2025-07-15 02:01 | 2025-07-23 05:39 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Requested updated XXXX Provided with the updated Proposed Monthly Payments hence resolved. - Due Diligence Vendor-07/23/2025 <br> Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. - Seller-07/22/2025 <br> Open-The XXXX document is missing from the loan file. On the XXXX provided, there is an "Other" amount of $XXXX reflected in the Proposed Monthly Payments column but no supporting documentation for what that figure is for. It is not included on the Final CD in the Estimated Taxes, Insurance & Assessments so not sure if it is a valid figure. (The $XXXX HOA is correctly reflected on the XXXX and is included in the Estimated Taxes, Insurance & Assessments.)<br> - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. - Seller-07/22/2025<br>| Resolved-Requested updated XXXX Provided with the updated Proposed Monthly Payments hence resolved. - Due Diligence Vendor-07/23/2025 <br> Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-07/23/2025 | XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304757440 | Closed | 2025-07-23 15:07 | 2025-07-23 15:07 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived- Exception on page XXXX for transferred appraisal not ordered thru an AMC is approved. Broker is also licensed lender - Due Diligence Vendor-07/23/2025 |  | Waived- Exception on page XXXX for transferred appraisal not ordered thru an AMC is approved. Broker is also licensed lender - Due Diligence Vendor-07/23/2025 |  |  | Credit Score is XXXX. Minimum required per guidelines is XXXX.<br> DTI is XXXX%. Maximum allowed per guidelines is XXXX%.<br> Residual Income is $XXXX. Minimum Residual Income required per guidelines is $XXXX. <br> Housing history-XXXX minimum per guidelines is 1XXXX | NH | Second Home | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 304757440 | Closed | 2025-07-21 01:52 | 2025-07-23 15:06 | Waived | 2 - Non-Material B | Property | Appraisal | Collateral Documentation | Waived-Exception page XXXX approved for collateral characteristics. GLA < XXXX sq ft min and newly converted condo < XXXX yrs with developer still in control and XXXX% ownership. Scenario and condo reviewed and approved by SVP UW prior to submission. Subject GLA is bracketed in appraisal and comps used are similar in functional utility and bed/bath count. Subject has full sized kitchen/appliances. <br> - Due Diligence Vendor-07/21/2025 |  | Waived-Exception page XXXX approved for collateral characteristics. GLA < XXXX sq ft min and newly converted condo < XXXX yrs with developer still in control and XXXX% ownership. Scenario and condo reviewed and approved by SVP UW prior to submission. Subject GLA is bracketed in appraisal and comps used are similar in functional utility and bed/bath count. Subject has full sized kitchen/appliances. <br> - Due Diligence Vendor-07/21/2025 |  |  | Credit Score is XXXX. Minimum required per guidelines is XXXX.<br> DTI is XXXX%. Maximum allowed per guidelines is XXXX%.<br> Residual Income is $XXXX. Minimum Residual Income required per guidelines is $XXXX. <br> Housing history-XXXX minimum per guidelines is XXXX | NH | Second Home | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 304757437 | Closed | 2025-07-18 08:37 | 2025-07-23 12:38 | Waived | 2 - Non-Material B | Property | Appraisal | Collateral Documentation | Waived-Lender provided approved exception in file, pg. XXXX, for : Exception approved for collateral, NW condo due to recent conversion < 3 yrs and for GLA < XXXX sq ft min. Condo vetted with SVP UW prior to submission and approved. Appraiser has documented market acceptance with use of multiple comps similarly sized at under XXXX sq ft and all comps with same XXXX functional utility. Appraisal shows kitchen with full sized appliances, separate bedrooms, bath, and living areas. Finding waived. - Due Diligence Vendor-07/18/2025 |  | Waived-Lender provided approved exception in file, pg. XXXX, for : Exception approved for collateral, NW condo due to recent conversion < XXXX yrs and for GLA < XXXX sq ft min. Condo vetted with SVP UW prior to submission and approved. Appraiser has documented market acceptance with use of multiple comps similarly sized at under XXXX sq ft and all comps with sameXXXXfunctional utility. Appraisal shows kitchen with full sized appliances, separate bedrooms, bath, and living areas. Finding waived. - Due Diligence Vendor-07/18/2025 |  |  | DTI is XXXX%. Maximum allowed per guidelines is XXXX%.<br> Credit Score is XXXX. Minimum required per guidelines is XXXX.<br> Borrower(s) have XXXXmonths Reserves. Minimum required per guidelines is XXXX months.<br> Residual Income is $XXXX. Minimum Residual Income required per guidelines is $XXXX.  | NH | Second Home | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 304734525 | Closed | 2025-07-21 02:19 | 2025-07-29 07:29 | Resolved | 1 - Information C A | Compliance | Disclosure | Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect | Resolved-PCCD provided, finding resolved. - Due Diligence Vendor-07/29/2025 <br>Ready for Review-Document Uploaded. attached - Buyer-07/28/2025 <br>Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. Prepayment on Final Closing Disclosure is not matching with Note addendum. - Due Diligence Vendor-07/21/2025 |  | Resolved-PCCD provided, finding resolved. - Due Diligence Vendor-07/29/2025<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304730935 | Closed | 2025-07-22 06:15 | 2025-08-01 05:27 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Aba is missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-08/01/2025 <br>Ready for Review-Document Uploaded. Processor Cert from seller uploaded for review. - Seller-07/31/2025 <br>Open-Affiliated RESPA Business Disclosure is missing in file. - Due Diligence Vendor-07/22/2025 | Ready for Review-Document Uploaded. Processor Cert from seller uploaded for review. - Seller-07/31/2025<br>| Resolved-Aba is missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-08/01/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304730935 | Closed | 2025-07-22 06:13 | 2025-08-01 05:26 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-08/01/2025 <br>Resolved-Duplicate - Due Diligence Vendor-07/31/2025 <br>Ready for Review-Duplicate - Seller-07/29/2025 <br>Open-Consumer Caution and Home Owner Counseling Notice document is missing in file. - Due Diligence Vendor-07/22/2025 | Ready for Review-Duplicate - Seller-07/29/2025<br>| Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-08/01/2025 <br>Resolved-Duplicate - Due Diligence Vendor-07/31/2025<br>|  |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304730935 | Closed | 2025-07-22 06:13 | 2025-08-01 05:26 | Resolved | 1 - Information A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Requested Homeownership Counseling Disclosure Provided, Updated & Condition resolved. - Due Diligence Vendor-07/31/2025 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-07/31/2025 <br>Ready for Review-Document Uploaded. Homeowner Counseling Disclosure uploaded for review. - Buyer-07/30/2025 <br>Open-Homeownership Counseling Disclosure is missing in file. - Due Diligence Vendor-07/22/2025 |  | Resolved-Requested Homeownership Counseling Disclosure Provided, Updated & Condition resolved. - Due Diligence Vendor-07/31/2025 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-07/31/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304730935 | Closed | 2025-07-22 06:14 | 2025-07-31 07:26 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-intent to proceed provided. - Due Diligence Vendor-07/31/2025 <br>Ready for Review-Document Uploaded. Intent to Proceed uploaded for review. - Buyer-07/30/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Intent to Proceed Disclosure is missing in file. - Due Diligence Vendor-07/22/2025 |  | Resolved-intent to proceed provided. - Due Diligence Vendor-07/31/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304730935 | Closed | 2025-07-22 06:11 | 2025-07-31 04:11 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial Loan estimate document provided.<br> - Due Diligence Vendor-07/31/2025 <br>Ready for Review-Document Uploaded. LE uploaded for review. - Buyer-07/30/2025 <br>Open-Loan loan estimate is missing in file to run the compliance we need initial LE. - Due Diligence Vendor-07/22/2025 |  | Resolved-Initial Loan estimate document provided.<br> - Due Diligence Vendor-07/31/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304730938 | Closed | 2025-07-22 04:33 | 2025-07-29 07:04 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Signed Intent to Proceed provided. - Due Diligence Vendor-07/29/2025 <br>Ready for Review-Document Uploaded. Please review upload - Buyer-07/28/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing Intent to Proceed from docs - Due Diligence Vendor-07/22/2025 |  | Resolved-Signed Intent to Proceed provided. - Due Diligence Vendor-07/29/2025<br>| XXXX |  |  | FL | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304730938 | Closed | 2025-07-24 02:21 | 2025-07-29 05:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Requested Initial CD Provided, Updated & Condition resolved. - Due Diligence Vendor-07/29/2025 <br>Ready for Review-Document Uploaded. Please review upload - Seller-07/28/2025 <br>Open-TRID: Missing Closing Disclosure Missing Initial Closing Disclosure. - Due Diligence Vendor-07/24/2025 | Ready for Review-Document Uploaded. Please review upload - Seller-07/28/2025<br>| Resolved-Requested Initial CD Provided, Updated & Condition resolved. - Due Diligence Vendor-07/29/2025<br>| XXXX |  |  | FL | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304730938 | Closed | 2025-07-22 03:40 | 2025-07-29 05:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Requested Final CD Provided, Updated & Condition resolved. - Due Diligence Vendor-07/29/2025 <br>Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-07/29/2025 <br>Ready for Review-Document Uploaded. Please review upload - Seller-07/28/2025 <br>Open-TRID: Missing Final Closing Disclosure Final CD is missing from docs. - Due Diligence Vendor-07/22/2025 | Ready for Review-Document Uploaded. Please review upload - Seller-07/28/2025<br>| Resolved-Requested Final CD Provided, Updated & Condition resolved. - Due Diligence Vendor-07/29/2025 <br>Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-07/29/2025<br>| XXXX |  |  | FL | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304730938 | Closed | 2025-07-22 04:58 | 2025-07-29 05:18 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Requested Settlement Service Provider List Provided hence condition resolved. - Due Diligence Vendor-07/29/2025 <br>Ready for Review-Document Uploaded. Please review upload - Buyer-07/28/2025 <br>Open-SPL is missing from docs - Due Diligence Vendor-07/22/2025 |  | Resolved-Requested Settlement Service Provider List Provided hence condition resolved. - Due Diligence Vendor-07/29/2025<br>| XXXX |  |  | FL | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304727939 | Closed | 2025-07-31 08:23 | 2025-08-04 07:47 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Acknowledged-XXXX Acknowledged. - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Seller cannot produce, XXXX acknowledged. Please downgrade to Non-Material Grade 2<br> - Buyer-08/01/2025 <br> Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose XXXX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Initial Business Purpose affidavit is missing - Due Diligence Vendor-07/31/2025 |  | Acknowledged-XXXX Acknowledged. - Due Diligence Vendor-08/04/2025 |  |  |  | CA | Investment | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | XXXX |  | 304750529 | Closed | 2025-07-25 01:40 | 2025-07-30 13:50 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Seller cannot produce, XXXX acknowledged. Please downgrade to Non-Material Grade XXXX - Buyer-07/28/2025 <br> Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. initial Business Purpose Affidavit Disclosure is missing in FIle. - Due Diligence Vendor-07/25/2025 |  | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-07/30/2025 |  |  |  | MA | Investment | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | XXXX |  | 304750529 | Closed | 2025-07-25 03:23 | 2025-07-29 04:51 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Condition raised for missing appraisal report, but commercial appraisal is already present in file on page #XXXX, Updated & Condition resolved. - Due Diligence Vendor-07/29/2025 <br> Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-07/28/2025 <br> Open-Appraisal is Missing Appraisal is missing in file. - Due Diligence Vendor-07/25/2025 |  | Resolved-Condition raised for missing appraisal report, but commercial appraisal is already present in file on page #XXXX, Updated & Condition resolved. - Due Diligence Vendor-07/29/2025 <br> Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-07/29/2025 | XXXX |  |  | MA | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304731335 | Closed | 2025-07-25 05:22 | 2025-08-04 09:50 | Acknowledged | 2 - Non-Material D B | Compliance | Missing Doc | The Final 1003 is Missing | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-08/04/2025 <br> Unable to Resolve-Unable to Resolve-XXXX Agrees to waive; please downgrade to a Non-Material Grade 2. - Buyer-07/31/2025 <br> Open-The Final XXXX is Missing Entity XXXX is missing from file. - Due Diligence Vendor-07/25/2025 |  | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-08/04/2025 |  |  |  | NY | Investment | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | XXXX |  | 304730937 | Closed | 2025-07-29 16:07 | 2025-08-04 09:20 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-XXXX appraisal provided in Findings was considered the primary by the lender and LTV was based off this lower value. All appropriate LM screens have been updated and LTV now aligns with XXXX. Resolved. - Due Diligence Vendor-08/04/2025 <br> Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. XXXX correct. Appraisal value matches 2nd appraisal - Buyer-07/31/2025 <br> Open-The XXXX document is missing from the loan file. The XXXX provided on p XXXX reflects an Appraised Value of $XXXX while the AV is $XXXX. The $XXXX value if from the Fannie Mae CU however the score of XXXX is greater than the XXXX max so a secondary valuation finding was opened. - Due Diligence Vendor-07/29/2025 |  | Resolved-XXXX appraisal provided in Findings was considered the primary by the lender and LTV was based off this lower value. All appropriate LM screens have been updated and LTV now aligns with XXXX. Resolved. - Due Diligence Vendor-08/04/2025 <br> Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-08/04/2025 | XXXX |  |  | OH | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304730937 | Closed | 2025-07-25 04:22 | 2025-08-04 09:19 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-XXXX appraisal provided in Findings was considered the primary by the lender and LTV was based off this lower value. All appropriate LM screens have been updated and LTV now aligns with XXXX. Resolved. - Due Diligence Vendor-08/04/2025 <br> Resolved-Second appraisal valuation provided. Updated & Resolved. - Due Diligence Vendor-08/01/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. XXXX appraisal valuation provided - Buyer-07/31/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX The Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX - Due Diligence Vendor-07/25/2025 |  | Resolved-XXXX appraisal provided in Findings was considered the primary by the lender and LTV was based off this lower value. All appropriate LM screens have been updated and LTV now aligns with XXXX. Resolved. - Due Diligence Vendor-08/04/2025 <br> Resolved-Second appraisal valuation provided. Updated & Resolved. - Due Diligence Vendor-08/01/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-08/01/2025 | XXXX |  |  | OH | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304730922 | Closed | 2025-07-29 02:06 | 2025-08-05 02:29 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Deed of Trust document provided. - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. Uploaded for review - Buyer-08/04/2025 <br> Open-The Deed of Trust is Incomplete Deed of Trust Page XXXX is Missing. - Due Diligence Vendor-07/29/2025 |  | Resolved-Deed of Trust document provided. - Due Diligence Vendor-08/05/2025<br>| XXXX |  |  | PA | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304730922 | Closed | 2025-07-29 04:04 | 2025-08-04 09:52 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception Approved - Due Diligence Vendor-08/04/2025 <br> Unable to Resolve-Unable to Resolve-XXXX Acknowledged; please downgrade to a Non-Material Grade 2 - Buyer-07/31/2025 <br> Open-Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $XXXX As per Deephaven Matrics XXXX Minimum Loan Amount is $XXXX Whereas Borrower Loan Amount $XXXX. - Due Diligence Vendor-07/29/2025 |  | Waived-Exception Approved - Due Diligence Vendor-08/04/2025<br>|  |  | XXXXDSCR, min is XXXX<br> XXXX Mtg pay history for over XXXX months. Min 0XXXXwithin the past XXXX months. | PA | Investment | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | XXXX |  | 304757430 | Closed | 2025-07-30 01:09 | 2025-08-13 17:37 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Resolved, AVM used as primary value, variance positive. - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. We used the lower of the two property valuations (AVM) was used. avm was XXXX and appraisal was XXXX. - Seller-08/07/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX An AVM has been provided but negative variance between appraisal and AVM exceeds XXXX%. - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. We used the lower of the two property valuations (AVM) was used. avm was XXXXand appraisal was XXXX. - Seller-08/07/2025 | Resolved-Resolved, AVM used as primary value, variance positive. - Due Diligence Vendor-08/13/2025<br>| XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304757430 | Closed | 2025-07-30 02:23 | 2025-08-13 14:17 | Resolved | 1 - Information C A | Compliance | Fees:Limited | Texas - Maximum Fees Allowed | Resolved-Resolved - Due Diligence Vendor-08/13/2025 <br> Open- - Due Diligence Vendor-08/13/2025 <br> Open- - Due Diligence Vendor-08/13/2025 <br> Ready for Review-We provided the updated compliance report, which was run on July XXXX, XXXX, after the inspection fee was added. The report still reflects Texas fees exceeding the XXXX% threshold per the Compliance Mavent report. We do not agree with this finding. - Buyer-08/13/2025 <br> Counter-Inspection fee added at revised CD issued XXXX is causing TX fees to exceed XXXX%. Finding countered. - Due Diligence Vendor-08/08/2025 <br> Open- - Due Diligence Vendor-08/08/2025 <br> Open- - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. Please see the attached compliance report. The relevant section demonstrates that we are in compliance with the Texas Constitution provision, which prohibits fees from exceeding XXXX%. - Seller-08/07/2025 <br> Open-The Texas Constitution prohibits fees from exceeding XXXX% of the principal balance on a non-purchase money loan. (Tex. Const. Art. 16 Sec. 50(a)(6)(E); 7 TX ADC Sec. 153.5) Texas Constitution prohibits fees from exceeding XXXX% on refinance loans - Due Diligence Vendor-07/30/2025 <br> Open- - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. Please see the attached compliance report. The relevant section demonstrates that we are in compliance with the Texas Constitution provision, which prohibits fees from exceeding XXXX%. - Seller-08/07/2025 | Resolved-Resolved - Due Diligence Vendor-08/13/2025<br>| XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304757430 | Closed | 2025-07-30 02:23 | 2025-08-13 14:17 | Resolved | 1 - Information C A | Compliance | Enterprise:FeeLimits | ER - Texas Constitution 2% Fee Limit | Resolved-Resolved - Due Diligence Vendor-08/13/2025 <br> Open- - Due Diligence Vendor-08/13/2025 <br> Open- - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. We cannot, and should not, attempt to cure any findings that are not reflected in the compliance results report. Please review your compliance alerts on your end and compare them with the compliance report we ran on July XXXX, XXXX, as well as the report used to generate this finding. - Buyer-08/13/2025 <br> Ready for Review-Document Uploaded. We cannot, and should not, attempt to cure any findings that are not reflected in the compliance results report. Please review your compliance alerts on your end and compare them with the compliance report we ran on July XXXX, XXXX, as well as the report used to generate this finding. - Buyer-08/13/2025 <br> Ready for Review-We provided the updated compliance report, which was run on July XXXX, XXXX, after the inspection fee was added. The report still reflects Texas fees exceeding the XXXX% threshold per the Compliance Mavent report. We do not agree with this finding. - Seller-08/13/2025 <br> Counter-Inspection fee added at revised CD issued XXXX is causing TX fees to exceed XXXX%. Finding countered. - Due Diligence Vendor-08/08/2025 <br> Open- - Due Diligence Vendor-08/08/2025 <br> Open- - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. Please see the attached compliance report. The relevant section demonstrates that we are in compliance with the Texas Constitution provision, which prohibits fees from exceeding XXXX%. - Buyer-08/07/2025 <br> Open-The Texas Constitution prohibits fees from exceeding XXXX% of the principal balance on a non-purchase money loan. (Tex. Const. Art. 16 Sec. 50(a)(6)(E); 7 TX ADC Sec. 153.5) Texas Constitution prohibits fees from exceeding XXXX% on refinance loans - Due Diligence Vendor-07/30/2025 <br> Open- - Due Diligence Vendor-07/30/2025 | Ready for Review-We provided the updated compliance report, which was run on July XXXX, after the inspection fee was added. The report still reflects Texas fees exceeding the XXXX% threshold per the Compliance Mavent report. We do not agree with this finding. - Seller-08/13/2025 | Resolved-Resolved - Due Diligence Vendor-08/13/2025<br>| XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304757430 | Closed | 2025-07-30 02:21 | 2025-08-08 10:18 | Resolved | 1 - Information D A | Compliance | Missing Doc | Texas Title Endorsements (T-2, T-19, T-17, T-42, T-42.1) Missing | Resolved-Lender provided XXXX from Title company confirming relevant TX endorsements are added to Final Title policy. Policy has not been issued yet. Finding resolved. - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. Good afternoon.<br> The policy has not been issued yet. Endorsements do not reflect on the title commitment if that is what you are referring to.<br> XXXX does not apply, the property is not in a PUD.<br> XXXX is the name of the type of policy, not an endorsement.<br> XXXX XXXX, XXXX were all collected for. <br> Please see attached email from the title company confirmation this. Please clear this finding. - Seller-08/07/2025 <br> Open-One or more of the docs XXXX, XXXX, XXXX, XXXX, XXXX is Missing Texas Title Endorsements are missing in file - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. Good afternoon.<br> The policy has not been issued yet. Endorsements do not reflect on the title commitment if that is what you are referring to.<br> XXXX does not apply, the property is not in a PUD.<br> XXXX is the name of the type of policy, not an endorsement.<br> XXXX, XXXX, XXXX were all collected for. <br> Please see attached email from the title company confirmation this. Please clear this finding. - Seller-08/07/2025 | Resolved-Lender provided LOX from Title company confirming relevant TX endorsements are added to Final Title policy. Policy has not been issued yet. Finding resolved. - Due Diligence Vendor-08/08/2025<br>| XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304757430 | Closed | 2025-07-31 05:58 | 2025-08-05 22:19 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Exception Approved - Due Diligence Vendor-08/06/2025 |  | Waived-Exception Approved - Due Diligence Vendor-08/06/2025<br>|  |  | Residual Income is $XXXX. Minimum Residual Income required per guidelines is $XXXX. <br> XXXX% LTV | TX | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | N/A |
| XXXX | XXXX |  | 304757430 | Closed | 2025-08-13 13:36 | 2025-08-13 14:17 | Resolved | 1 - Information A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Resolved - Due Diligence Vendor-08/13/2025 <br>Open- - Due Diligence Vendor-08/13/2025 |  | Resolved-Resolved - Due Diligence Vendor-08/13/2025<br>|  |  |  | TX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304757430 | Closed | 2025-08-13 13:36 | 2025-08-13 14:17 | Resolved | 1 - Information A | Compliance | Tolerance:FinanceCharge | Federal - Foreclosure Rescission Finance Charge Tolerance | Resolved-Resolved - Due Diligence Vendor-08/13/2025 <br>Open- - Due Diligence Vendor-08/13/2025 |  | Resolved-Resolved - Due Diligence Vendor-08/13/2025<br>|  |  |  | TX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304757415 | Closed | 2025-07-31 06:12 | 2025-08-08 01:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial Closing Disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/08/2025 <br>Ready for Review-Document Uploaded. ICD attached. - Buyer-08/07/2025 <br>Open-TRID: Missing Closing Disclosure Initial Closing disclosure is missing from the service file. - Due Diligence Vendor-07/31/2025 |  | Resolved-Initial Closing Disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/08/2025<br>| XXXX |  |  | CO | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304735922 | Closed | 2025-08-05 08:02 | 2025-08-08 06:09 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final XXXX is Present - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. - Seller-08/06/2025 <br> Open-The Final XXXX is Incomplete. Missing pages XXXXfrom final XXXX. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. - Seller-08/06/2025<br>| Resolved-The Final XXXX is Present - Due Diligence Vendor-08/07/2025 | XXXX |  |  | KY | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304735922 | Closed | 2025-08-05 08:30 | 2025-08-07 14:20 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Lender approval received - DSCR Core. - Due Diligence Vendor-08/07/2025 <br>Ready for Review-Document Uploaded. - Seller-08/06/2025 <br>Open-Lender approval is not referencing if DSCR is Core or Select. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. - Seller-08/06/2025<br>| Resolved-Lender approval received - DSCR Core. - Due Diligence Vendor-08/07/2025<br>| XXXX |  |  | KY | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304735922 | Closed | 2025-08-04 05:50 | 2025-08-07 14:18 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception is approved for minimum loan amount, approved for a loan amount of $XXXX. - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. - Seller-08/06/2025 <br> Open-Audited Loan Amount is less than Guideline Minimum Loan Amount The minimum loan amount as per XXXX G/L matrix is $XXXX, whereas the qualifying loan amount as per final note is $XXXX - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. - Seller-08/06/2025<br>| Waived-Exception is approved for minimum loan amount, approved for a loan amount of $XXXX. - Due Diligence Vendor-08/07/2025 | XXXX |  | DSCR at leastXXXX, Actual XXXX, Min DSCR XXXX<br> Experienced investor - owned investment property for at least XXXX years | KY | Investment | Refinance | Cash Out - Other | XXXX | Originator Post-Close | Yes |
| XXXX | XXXX |  | 304757432 | Closed | 2025-08-06 07:56 | 2025-08-08 18:26 | Waived | 2 - Non-Material B | Property | Appraisal | Collateral Documentation | Waived-Lender provided approved exception in file, page #XXXX <br> 1. Approved only 1 XXXX provided vs XXXX required per guides. Appraiser did supply XXXX other recent sales of XXXX to document market<br> acceptance of this property type, even though they were dissimilar in other characteristics and did not make reliable comps. True XXXX home destination/location. R/T refi at XXXX% LTV lowers risk in transaction. <br> 2. Exception approved for XXXX acres vs max of XXXX. XXXX, XXXX. True 2nd home destination/location. R/T refi at XXXX% LTV lowers risk<br> in transaction. <br>Finding waived. - Due Diligence Vendor-08/06/2025 |  | Waived-Lender provided approved exception in file, page #XXXX <br> 1. Approved only 1 XXXX vs XXXX required per guides. Appraiser did supply XXXX other recent sales of XXXX in XXXX to document market<br> acceptance of this property type, even though they were dissimilar in other characteristics and did not make reliable comps. True XXXX home destination/location. R/T refi at XXXX% LTV lowers risk in transaction. <br> 2. Exception approved for XXXX acres vs max of XXXX. XXXX, XXXX. True 2nd home destination/location. R/T refi at XXXX% LTV lowers risk<br> in transaction. <br>Finding waived. - Due Diligence Vendor-08/06/2025 |  |  | LTV is XXXX%. Maximum allowed per guidelines is XXXX%.<br> Credit Score is XXXX. Minimum required per guidelines is XXXX. | MT | Second Home | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 304812795 | Closed | 2025-08-12 06:58 | 2025-08-14 06:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-The documentation received was sufficient to resolve the finding. - Due Diligence Vendor-08/14/2025 <br> Resolved-Borrower 1 Executed XXXX-T Provided - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. - Seller-08/13/2025 <br> Open-Borrower 1 Executed XXXX-T Missing The guidelines required the XXXX-C to be executed for the wage earner qualification. The loan file does not contain the XXXX-C for the Borrower that is a wage earner. - Due Diligence Vendor-08/12/2025 | Ready for Review-Document Uploaded. - Seller-08/13/2025<br>| Resolved-The documentation received was sufficient to resolve the finding. - Due Diligence Vendor-08/14/2025 <br> Resolved-Borrower XXXX ExecutedXXXX Provided - Due Diligence Vendor-08/14/2025 | XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304818052 | Closed | 2025-08-19 10:56 | 2025-08-22 06:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial XXXX is Present - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. The initial XXXX is on the 1st page of our package. I believe the XXXX you are looking at is for their property on XXXX XXXX. - Seller-08/20/2025 <br> Open-The Initial XXXX is Missing The Initial XXXX has Income on a DSCR loan and the Loan Originating Company is different than the Final XXXX LO Company. - Due Diligence Vendor-08/19/2025 | Ready for Review-Document Uploaded. The initial XXXX is on the XXXX page of our package. I believe the XXXX you are looking at is for their property on XXXX XXXX. - Seller-08/20/2025 | Resolved-The Initial XXXX is Present - Due Diligence Vendor-08/22/2025 | XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX |  | 304763877 | Closed | 2025-08-22 13:11 | 2025-08-26 06:26 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Disbursement Date is missing or inaccurate | Resolved-The documentation received was sufficient to resolve the finding. PCCD - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. Loan did not fund untilXXXX - Seller-08/25/2025 <br> Open-The Final Closing Disclosure reflects the disbursement date of XXXX; however, the Right to Rescind expiration date is XXXX. The funds are not allowed to be disbursed prior to the expiration of the Right to Cancel. The Final Closing Disclosure does not meet the regulations for the Right to Cancel. - Due Diligence Vendor-08/22/2025 | Ready for Review-Document Uploaded. Loan did not fund until XXXX - Seller-08/25/2025 | Resolved-The documentation received was sufficient to resolve the finding. PCCD - Due Diligence Vendor-08/26/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |

---

## Exhibit 99.35

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.35**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX |  | 304481881 | XXXX D A |
| XXXX |  | 304481971 | XXXX A B |
| XXXX |  | 304481826 | XXXX A |
| XXXX |  | 304481921 | XXXX C D A B |
| XXXX |  | 304481790 | XXXX C A |
| XXXX |  | 304481859 | XXXX A |
| XXXX |  | 304498121 | XXXX D A B |
| XXXX |  | 304493486 | XXXX A |
| XXXX |  | 304498124 | XXXX C D A B |
| XXXX |  | 304493458 | XXXX A |
| XXXX |  | 304642267 | XXXX D A B |
| XXXX |  | 304639226 | XXXX D A B |
| XXXX |  | 304655035 | XXXX C A |
| XXXX |  | 304643855 | XXXX A |
| XXXX |  | 304498148 | XXXX C A |
| XXXX |  | 304643670 | XXXX A |
| XXXX |  | 304643751 | XXXX C D A |
| XXXX |  | 304643609 | XXXX A |
| XXXX |  | 304639366 | XXXX A |
| XXXX |  | 304668394 | XXXX A |
| XXXX |  | 304680563 | XXXX A D |
| XXXX |  | 304639262 | XXXX D B A |
| XXXX |  | 304639202 | XXXX D A C |
| XXXX |  | 304717858 | XXXX D A |
| XXXX |  | 304692787 | XXXX A D B |
| XXXX |  | 304677248 | XXXX D A |
| XXXX |  | 304692795 | XXXX A C |
| XXXX |  | 304684624 | XXXX C D A |
| XXXX |  | 304680575 | XXXX D A B |
| XXXX |  | 304692752 | XXXX D A |
| XXXX |  | 304680562 | XXXX A D B |
| XXXX |  | 304692741 | XXXX D A |
| XXXX |  | 304655388 | XXXX D A B |
| XXXX |  | 304702022 | XXXX A D |
| XXXX |  | 304685760 | XXXX C A |
| XXXX |  | 304691530 | XXXX A |
| XXXX |  | 304685753 | XXXX C A B |
| XXXX |  | 304701958 | XXXX C A B |
| XXXX |  | 304692883 | XXXX C D A B |
| XXXX |  | 304692840 | XXXX D B A |
| XXXX |  | 304692892 | XXXX A |
| XXXX |  | 304692889 | XXXX A |
| XXXX |  | 304692859 | XXXX A |
| XXXX |  | 304701911 | XXXX A |
| XXXX |  | 304701940 | XXXX D C A B |
| XXXX |  | 304692882 | XXXX D A B |
| XXXX |  | 304692865 | XXXX C A |
| XXXX |  | 304685278 | XXXX D A |
| XXXX |  | 304685765 | XXXX A C |
| XXXX |  | 304701903 | XXXX D A |
| XXXX |  | 304692846 | XXXX A D |
| XXXX |  | 304692812 | XXXX A |
| XXXX |  | 304709147 | XXXX A B |
| XXXX |  | 304692739 | XXXX A |
| XXXX |  | 304701957 | XXXX A D B |
| XXXX |  | 304701954 | XXXX D A |
| XXXX |  | 304685767 | XXXX D A B |
| XXXX |  | 304692847 | XXXX D A |
| XXXX |  | 304692894 | XXXX D C A |
| XXXX |  | 304701932 | XXXX C D A B |
| XXXX |  | 304709158 | XXXX A |
| XXXX |  | 304692777 | XXXX A D |
| XXXX |  | 304702023 | XXXX D A B |
| XXXX |  | 304709083 | XXXX D A |
| XXXX |  | 304709077 | XXXX D A |
| XXXX |  | 304692756 | XXXX A D |
| XXXX |  | 304717790 | XXXX C B A |
| XXXX |  | 304709142 | XXXX A C |
| XXXX |  | 304692874 | XXXX C A |
| XXXX |  | 304701904 | XXXX A |
| XXXX |  | 304709113 | XXXX C D A |
| XXXX |  | 304709145 | XXXX B A |
| XXXX |  | 304709097 | XXXX D A |
| XXXX |  | 304692781 | XXXX D B A |
| XXXX |  | 304709159 | XXXX A |
| XXXX |  | 304709152 | XXXX A C |
| XXXX |  | 304701905 | XXXX D A |
| XXXX |  | 304709073 | XXXX D A |
| XXXX |  | 304685768 | XXXX A |
| XXXX |  | 304701994 | XXXX A B |
| XXXX |  | 304709078 | XXXX D A |
| XXXX |  | 304701901 | XXXX D A |
| XXXX |  | 304709125 | XXXX D C A B |
| XXXX |  | 304719939 | XXXX A C B |
| XXXX |  | 304709154 | XXXX C A |
| XXXX |  | 304719805 | XXXX D A |
| XXXX |  | 304692755 | XXXX D C A |
| XXXX |  | 304719854 | XXXX A D B |
| XXXX |  | 304709123 | XXXX C A |
| XXXX |  | 304709081 | XXXX D C A |
| XXXX |  | 304709157 | XXXX A |
| XXXX |  | 304717847 | XXXX A D |
| XXXX |  | 304709096 | XXXX D A |
| XXXX |  | 304709093 | XXXX C D A |
| XXXX |  | 304719936 | XXXX A |
| XXXX |  | 304719929 | XXXX D A |
| XXXX |  | 304709082 | XXXX D C A |
| XXXX |  | 304692789 | XXXX A C |
| XXXX |  | 304719911 | XXXX D A B |
| XXXX |  | 304701945 | XXXX A D |
| XXXX |  | 304709120 | XXXX D C A B |
| XXXX |  | 304717868 | XXXX A |
| XXXX |  | 304709079 | XXXX D A |
| XXXX |  | 304709076 | XXXX C A |
| XXXX |  | 304709068 | XXXX A D |
| XXXX |  | 304709134 | XXXX A |
| XXXX |  | 304717891 | XXXX A |
| XXXX |  | 304717872 | XXXX A B |
| XXXX |  | 304692796 | XXXX C D A B |
| XXXX |  | 304701953 | XXXX D A |
| XXXX |  | 304717852 | XXXX A |
| XXXX |  | 304709136 | XXXX A |
| XXXX |  | 304730953 | XXXX A |
| XXXX |  | 304717898 | XXXX C A |
| XXXX |  | 304719850 | XXXX C A |
| XXXX |  | 304719769 | XXXX D A B |
| XXXX |  | 304692844 | XXXX B A |
| XXXX |  | 304719794 | XXXX A C |
| XXXX |  | 304730961 | XXXX C A |
| XXXX |  | 304719903 | XXXX B A |
| XXXX |  | 304730942 | XXXX C A B |
| XXXX |  | 304719789 | XXXX C D A |
| XXXX |  | 304709099 | XXXX A |
| XXXX |  | 304730954 | XXXX B A |
| XXXX |  | 304719845 | XXXX A |
| XXXX |  | 304719848 | XXXX D A B |
| XXXX |  | 304684617 | XXXX B A |
| XXXX |  | 304735912 | XXXX D A |
| XXXX |  | 304734499 | XXXX C A |
| XXXX |  | 304719771 | XXXX A |
| XXXX |  | 304730963 | XXXX A |
| XXXX |  | 304719897 | XXXX C A |
| XXXX |  | 304730956 | XXXX D C A |
| XXXX |  | 304730927 | XXXX C A |
| XXXX |  | 304730957 | XXXX A |
| XXXX |  | 304730946 | XXXX A |
| XXXX |  | 304709133 | XXXX D A |
| XXXX |  | 304730923 | XXXX D A B |
| XXXX |  | 304734510 | XXXX C A B |
| XXXX |  | 304730929 | XXXX A |
| XXXX |  | 304747509 | XXXX A |
| XXXX |  | 304730948 | XXXX A |
| XXXX |  | 304734514 | XXXX D A |
| XXXX |  | 304734720 | XXXX A |
| XXXX |  | 304719808 | XXXX A D |
| XXXX |  | 304725148 | XXXX D A B |
| XXXX |  | 304730951 | XXXX B D A |
| XXXX |  | 304730964 | XXXX A |
| XXXX |  | 304734519 | XXXX D C A B |
| XXXX |  | 304719843 | XXXX A |
| XXXX |  | 304692754 | XXXX D A B |
| XXXX |  | 304730932 | XXXX A D |
| XXXX |  | 304719852 | XXXX A |
| XXXX |  | 304735896 | XXXX A |
| XXXX |  | 304730940 | XXXX D B A |
| XXXX |  | 304734721 | XXXX A |
| XXXX |  | 304730952 | XXXX A |
| XXXX |  | 304757440 | XXXX A B |
| XXXX |  | 304757437 | XXXX A B |
| XXXX |  | 304747505 | XXXX A |
| XXXX |  | 304730939 | XXXX A |
| XXXX |  | 304734525 | XXXX A C |
| XXXX |  | 304730935 | XXXX A D |
| XXXX |  | 304757435 | XXXX A |
| XXXX |  | 304730938 | XXXX A D |
| XXXX |  | 304727939 | XXXX D A B |
| XXXX |  | 304750529 | XXXX D A B |
| XXXX |  | 304731335 | XXXX A D B |
| XXXX |  | 304728238 | XXXX A |
| XXXX |  | 304730937 | XXXX D A |
| XXXX |  | 304730922 | XXXX C D A B |
| XXXX |  | 304730917 | XXXX A |
| XXXX |  | 304757430 | XXXX A D B |
| XXXX |  | 304757436 | XXXX A |
| XXXX |  | 304757415 | XXXX A D |
| XXXX |  | 304757431 | XXXX A |
| XXXX |  | 304735922 | XXXX C D A B |
| XXXX |  | 304757432 | XXXX A B |
| XXXX |  | 304765997 | XXXX A |
| XXXX |  | 304812795 | XXXX D A |
| XXXX |  | 304764055 | XXXX A |
| XXXX |  | 304812833 | XXXX A |
| XXXX |  | 304757434 | XXXX A |
| XXXX |  | 304818052 | XXXX A D |
| XXXX |  | 304763877 | XXXX A C |

---

## Exhibit 99.36

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.36**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX |  | 304481881 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| XXXX |  | 304481971 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304481826 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 53.26 | 53.26 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 | XXXX |
| XXXX |  | 304481921 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 67.93 | 67.93 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0602 | 92.0 | 0.08 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 | XXXX |
| XXXX |  | 304481790 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0436 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0436 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| XXXX |  | 304481859 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 61.9 | 61.9 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXX |  | 304498121 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304493486 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 52.31 | 52.31 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXX |  | 304498124 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX |  |  | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304493458 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| XXXX |  | 304642267 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 79.85 | 79.85 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304639226 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 | XXXX |
| XXXX |  | 304655035 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304643855 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304498148 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304643670 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX |  |  | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304643751 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304643609 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 73.96 | 73.96 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304639366 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XXXX | Not Eligible |  |  |
| XXXX |  | 304668394 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304680563 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 24.67 | 24.67 | XXXX | XXXX | .0000 | Desk Review | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 2.6 | XXXX |
| XXXX |  | 304639262 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304639202 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.1087 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.1087 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  | XXXX |
| XXXX |  | 304717858 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304692787 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304677248 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 25.14 | 25.14 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX |  | 304692795 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.4 | XXXX |
| XXXX |  | 304684624 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304680575 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0638 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0638 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | XXXX |
| XXXX |  | 304692752 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX | Not Eligible | 2 | XXXX |
| XXXX |  | 304680562 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 57.5 | 57.5 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304692741 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304655388 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible | 1 | XXXX |
| XXXX |  | 304702022 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX |  | 304685760 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1 | XXXX |
| XXXX |  | 304691530 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0007 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0007 | 97.0 | 0.03 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX | Not Eligible |  |  |
| XXXX |  | 304685753 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 36.37 | 36.37 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX |  | 304701958 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 | XXXX |
| XXXX |  | 304692883 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0486 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | .0486 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.8 | XXXX |
| XXXX |  | 304692840 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0233 | 93.0 | 0.07 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304692892 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  |  |
| XXXX |  | 304692889 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  |  |
| XXXX |  | 304692859 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  |  |
| XXXX |  | 304701911 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| XXXX |  | 304701940 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 89.99 | 89.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX | Not Eligible | 1 | XXXX |
| XXXX |  | 304692882 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  |  |
| XXXX |  | 304692865 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  |  |
| XXXX |  | 304685278 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 52.0 | 52.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX | Not Eligible | 2.5 | XXXX |
| XXXX |  | 304685765 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 43.98 | 43.98 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1.3 | XXXX |
| XXXX |  | 304701903 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304692846 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 11.24 | 11.24 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304692812 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| XXXX |  | 304709147 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | -.0320 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0320 | 96.0 | 0.04 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304692739 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1 | XXXX |
| XXXX |  | 304701957 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304701954 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304685767 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Eligible |  |  |
| XXXX |  | 304692847 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 52.11 | 52.11 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  |  |
| XXXX |  | 304692894 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 59.72 | 59.72 | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | .0028 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304701932 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 89.99 | 89.99 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.3 | XXXX |
| XXXX |  | 304709158 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  |  |
| XXXX |  | 304692777 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX |  | 304702023 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 79.47 | 79.47 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304709083 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XXXX |
| XXXX |  | 304709077 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.9 | XXXX |
| XXXX |  | 304692756 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 44.83 | 44.83 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1.9 | XXXX |
| XXXX |  | 304717790 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304709142 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX | .0000 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX | Not Eligible |  |  |
| XXXX |  | 304692874 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX | Not Eligible |  |  |
| XXXX |  | 304701904 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304709113 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX |  | 304709145 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX | Not Eligible |  |  |
| XXXX |  | 304709097 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XXXX |
| XXXX |  | 304692781 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304709159 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 63.2 | 63.2 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX |  | 304709152 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304701905 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304709073 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1.4 | XXXX |
| XXXX |  | 304685768 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 68.97 | 68.97 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX |  | 304701994 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  |  |
| XXXX |  | 304709078 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304701901 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 64.86 | 64.86 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | XXXX |
| XXXX |  | 304709125 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX |  | 304719939 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 89.99 | 89.99 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304709154 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX |  | 304719805 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | .0000 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX | Not Eligible | 1.8 | XXXX |
| XXXX |  | 304692755 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 56.38 | 56.38 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX |  | 304719854 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX |  | 304709123 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 74.55 | 74.55 | XXXX | XXXX | .0654 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0654 | 93.0 | 0.07 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304709081 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX |  | 304709157 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  |  |
| XXXX |  | 304717847 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 2.6 | XXXX |
| XXXX |  | 304709096 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304709093 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304719936 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX | .0000 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  |  |
| XXXX |  | 304719929 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX |  | 304709082 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX | Not Eligible | 1 | XXXX |
| XXXX |  | 304692789 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 36.67 | 36.67 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304719911 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 2.6 | XXXX |
| XXXX |  | 304701945 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 52.31 | 52.31 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX |  | 304709120 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX |  | 304717868 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 89.99 | 89.99 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX |  | 304709079 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | XXXX |
| XXXX |  | 304709076 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.5 | XXXX |
| XXXX |  | 304709068 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304709134 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  |  |
| XXXX |  | 304717891 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 71.22 | 71.22 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  |  |
| XXXX |  | 304717872 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX |  | 304692796 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XXXX |
| XXXX |  | 304701953 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 53.33 | 53.33 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XXXX |
| XXXX |  | 304717852 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304709136 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX |  | 304730953 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 3 | XXXX |
| XXXX |  | 304717898 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX |  | 304719850 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 50.83 | 50.83 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304719769 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304692844 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  |  |
| XXXX |  | 304719794 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 89.99 | 89.99 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XXXX |
| XXXX |  | 304730961 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304719903 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  |  |
| XXXX |  | 304730942 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | .0000 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX |  | 304719789 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX |  | 304709099 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 61.7 | 61.7 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.3 | XXXX |
| XXXX |  | 304730954 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 35.09 | 35.09 | XXXX | XXXX | .0636 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0636 | 94.0 | 0.06 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  |  |
| XXXX |  | 304719845 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304719848 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 89.0 | 89.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  |  |
| XXXX |  | 304684617 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 78.75 | 78.75 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304735912 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX |
| XXXX |  | 304734499 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304719771 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XXXX |
| XXXX |  | 304730963 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  |  |
| XXXX |  | 304719897 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  |  |
| XXXX |  | 304730956 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX |  | 304730927 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible | 1.5 | XXXX |
| XXXX |  | 304730957 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0119 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0119 | 96.0 | 0.04 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304730946 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304709133 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 72.92 | 72.92 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX | Not Eligible |  |  |
| XXXX |  | 304730923 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304734510 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304730929 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 50.0 | 50.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304747509 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX |  | 304730948 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | XXXX | XXXX | .0000 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX | Not Eligible |  |  |
| XXXX |  | 304734514 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.7 | XXXX |
| XXXX |  | 304734720 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304719808 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX |
| XXXX |  | 304725148 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 44.51 | 44.51 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  |  |
| XXXX |  | 304730951 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  |  |
| XXXX |  | 304730964 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304734519 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0778 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0778 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304719843 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible | 1.3 | XXXX |
| XXXX |  | 304692754 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 16.26 | 16.26 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX |  | 304730932 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX |  | 304719852 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX | .0600 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 | XXXX |
| XXXX |  | 304735896 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX |  | 304730940 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304734721 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0789 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0789 | 94.0 | 0.06 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 3 | XXXX | Not Eligible |  |  |
| XXXX |  | 304730952 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 36.28 | 36.28 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304757440 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304757437 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304747505 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304730939 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 89.98 | 89.98 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304734525 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX |  | 304730935 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX |
| XXXX |  | 304757435 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX |  | 304730938 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0213 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0213 | 97.0 | 0.03 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304727939 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | -.0063 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0062 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304750529 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | -.0500 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0500 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304731335 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | -.0400 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0400 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304728238 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .4950 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .4950 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304730937 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 59.38 | 59.38 | XXXX | XXXX | .0302 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0302 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XXXX |
| XXXX |  | 304730922 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304730917 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 2.5 | XXXX |
| XXXX |  | 304757430 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.1998 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.1998 | 91.0 | 0.09 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304757436 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  |  |
| XXXX |  | 304757415 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304757431 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | XXXX |
| XXXX |  | 304735922 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304757432 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 37.53 | 37.53 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304765997 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 58.8 | 58.8 | XXXX | XXXX | -.0196 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0196 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304812795 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| XXXX |  | 304764055 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0299 | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304812833 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| XXXX |  | 304757434 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0657 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0657 | 96.0 | 0.04 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 304818052 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0725 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0725 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304763877 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |

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